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2024 data HMDA 2024 disclosure official source

Scott County

1,160 mortgage applications, 17.2% denial rate. Verify FIPS 18143 with U.S. Census Bureau →

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Indiana · FIPS 18143

Local mortgage market. Scott County, Indiana saw 1,160 HMDA-reported mortgage applications in 2024. Lenders originated 596 of those loans and denied 200, producing a denial rate of 17.2% and an approval (origination) rate of 51.4%. The average loan amount was $144,940 at an average note rate of 6.93%, with applicants self-reporting average annual income of $35K. 100 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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.

FIPS 18143 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,160
Applications
596
Originated
17.2%
Denial Rate
51.4%
Approval Rate
$144,940
Avg Loan Amount
6.93%
Avg Interest Rate
$35K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Scott County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Centra Credit Union 171 28.7%
2 United Wholesale Mortgage 28 4.7%
3 Interlinc Mortgage Services, LLC 27 4.5%
4 Direct Mortgage Loans, LLC 25 4.2%
5 Rocket Mortgage 24 4.0%
Compare Centra Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Scott County?
In the 2024 HMDA reporting year, 1,160 mortgage applications were filed in Scott County, Indiana. Of these, 596 were originated (approved and funded), while 200 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in Scott County?
The mortgage denial rate in Scott County is 17.2%. The approval (origination) rate is 51.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Scott County?
The average mortgage loan amount in Scott County is $144,940. The average interest rate is 6.934%. The average applicant income is $35K.
What is the loan-to-income ratio in Scott County?
The average loan-to-income ratio in Scott County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Scott County?
The top mortgage lenders in Scott County by origination volume are Centra Credit Union, United Wholesale Mortgage, Interlinc Mortgage Services, LLC. In total, 100 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.