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2024 data HMDA 2024 disclosure official source

Whitley County

1,577 mortgage applications, 14.2% denial rate. Verify FIPS 18183 with U.S. Census Bureau →

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Indiana · FIPS 18183

Local mortgage market. Whitley County, Indiana saw 1,577 HMDA-reported mortgage applications in 2024. Lenders originated 959 of those loans and denied 224, producing a denial rate of 14.2% and an approval (origination) rate of 60.8%. The average loan amount was $168,526 at an average note rate of 7.41%, with applicants self-reporting average annual income of $36K. 111 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 18183 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,577
Applications
959
Originated
14.2%
Denial Rate
60.8%
Approval Rate
$168,526
Avg Loan Amount
7.41%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Whitley 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 Three Rivers Federal Crediit U 120 12.5%
2 Ruoff Mortgage Company 86 9.0%
3 Lake City Bank 62 6.5%
4 Profed Federal Credit Union 54 5.6%
5 STAR Financial Bank 45 4.7%
Compare Three Rivers Federal Crediit U vs Ruoff Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Whitley County?
In the 2024 HMDA reporting year, 1,577 mortgage applications were filed in Whitley County, Indiana. Of these, 959 were originated (approved and funded), while 224 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Whitley County?
The mortgage denial rate in Whitley County is 14.2%. The approval (origination) rate is 60.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Whitley County?
The average mortgage loan amount in Whitley County is $168,526. The average interest rate is 7.409%. The average applicant income is $36K.
What is the loan-to-income ratio in Whitley County?
The average loan-to-income ratio in Whitley County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Whitley County?
The top mortgage lenders in Whitley County by origination volume are Three Rivers Federal Crediit U, Ruoff Mortgage Company, Lake City Bank. In total, 111 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.