Pulaski County
Indiana · FIPS 18131
According to CFPB HMDA 2024 application volume among U.S. counties, Pulaski County ranks #2,138 of 3,210, and #84 of 92 in Indiana.
Mortgage lending activity in Pulaski County, Indiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Pulaski County, Indiana saw 418 HMDA-reported mortgage applications in 2024. Lenders originated 224 of those loans and denied 84, producing a denial rate of 20.1% and an approval (origination) rate of 53.6%. The average loan amount was $152,584 at an average note rate of 7.45%, with applicants self-reporting average annual income of $35K. 65 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pulaski County
In Pulaski County, lead originator First Federal Savings Bank funded 14.7% of 224 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Pulaski County's 418 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pulaski County's $152,584 average loan (deduped against volume peers).
Lenders active in Pulaski County
First Federal Savings Bank funded 33 of the 224 loans originated in Pulaski County, 14.7% of the county. 65 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Federal Savings Bank | 33 | 14.7% |
| 2 | Rocket Mortgage | 24 | 10.7% |
| 3 | American Financial Network, INC. | 13 | 5.8% |
| 4 | Lake City Bank | 12 | 5.4% |
| 5 | 1st Source Bank | 12 | 5.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Pulaski County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Pulaski County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.