IN · Statewide HMDA 2024
Indiana mortgage lending
According to the CFPB HMDA 2024 Snapshot, 900 reporting lenders · 92 counties · 15 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Indiana ranks #15 of 54 by application volume but #15 of 52 states with 10,000+ applications on origination share (55.5%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #15
- Origination-share rank of 52
- 55.5%
- Origination share
- 162,593
- Originated
- 15.9%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
293,086reported applications
CFPB HMDA state filing plate
State IN · Indiana 15.9% denial
VOL-MID · DEN-MID · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-MID #15/54
- DEN-MID 15.9%
- NEAR-PEER Maine
- ORIG-LOW 55.5%
- BOOK-FULL 900 lenders
- LEAD-MIX 5% top
Photo-finish peer: Maine · 16.1% denial (+0.2pp vs Indiana)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Indiana
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Indiana: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.9% here).
Similar application volume
Nearest states by HMDA applications filed (293,086 here).
Top lenders by originations · Indiana
Funded loans among HMDA-reporting institutions active in this state.
Where Indiana sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
293,086 Top 28% higher than 72% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Indiana
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Indiana filed 293,086 HMDA-reported applications in 2024 (#15 of 54 by volume) with a 15.9% denial rate - near the national 17.2% baseline. White applicants (196,612 apps) show 15.9% denial; Black or African American applicants (17,923 apps) show 26.1% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Indiana
Top HMDA-reporting lenders active in Indiana. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 8,262 | 5.1% |
| 2 | Ruoff Mortgage Company | 6,395 | 3.9% |
| 3 | United Wholesale Mortgage | 4,699 | 2.9% |
| 4 | Fifth Third Bank, National Association | 3,823 | 2.4% |
| 5 | Fairway Independent Mort CORP | 3,495 | 2.1% |
Reported outcomes by applicant race in Indiana
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 196,612 | 64.0% | 15.9% |
| Black or African American | 17,923 | 49.1% | 26.1% |
| Asian | 8,531 | 58.2% | 18.3% |
| Joint | 3,764 | 65.0% | 14.0% |
| American Indian or Alaska Native | 1,217 | 48.6% | 30.7% |
| 2 or more minority races | 476 | 43.1% | 33.2% |
| Native Hawaiian or Other Pacific Islander | 306 | 40.2% | 33.7% |
Every county in Indiana, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Marion County | 41,562 | 20,907 | 17.2% | $215,912 |
| Lake County | 20,529 | 10,738 | 17.3% | $194,532 |
| Hamilton County | 19,705 | 11,455 | 11.8% | $333,756 |
| Allen County | 16,979 | 9,882 | 14.5% | $195,590 |
| St. Joseph County | 10,976 | 6,369 | 16.7% | $180,652 |
| Hendricks County | 9,686 | 5,374 | 14.5% | $249,274 |
| Johnson County | 9,575 | 5,085 | 16.4% | $248,672 |
| Porter County | 7,849 | 4,325 | 14.3% | $231,515 |
| Elkhart County | 7,729 | 4,517 | 17.2% | $170,232 |
| Vanderburgh County | 6,814 | 3,893 | 13.4% | $188,497 |
| Madison County | 6,495 | 3,441 | 16.4% | $164,626 |
| Tippecanoe County | 6,347 | 3,824 | 14.7% | $229,065 |
| Clark County | 6,335 | 3,581 | 15.0% | $210,927 |
| Hancock County | 5,144 | 2,811 | 13.4% | $328,649 |
| Delaware County | 4,444 | 2,444 | 16.3% | $128,679 |
| LaPorte County | 4,442 | 2,403 | 18.1% | $177,501 |
| Boone County | 4,363 | 2,555 | 12.4% | $356,412 |
| Morgan County | 4,118 | 2,208 | 16.7% | $204,983 |
| Howard County | 4,070 | 2,249 | 14.6% | $144,651 |
| Monroe County | 4,017 | 2,379 | 14.0% | $268,134 |
| Kosciusko County | 3,835 | 2,290 | 15.4% | $182,520 |
| Floyd County | 3,780 | 2,282 | 12.9% | $215,847 |
| Bartholomew County | 3,638 | 2,244 | 13.6% | $194,505 |
| Vigo County | 3,567 | 2,099 | 17.7% | $137,103 |
| Warrick County | 2,953 | 1,743 | 12.9% | $227,804 |
| Grant County | 2,169 | 1,162 | 18.9% | $124,876 |
| Dearborn County | 2,101 | 1,198 | 16.5% | $202,178 |
| Shelby County | 2,079 | 1,125 | 16.1% | $193,369 |
| Henry County | 2,072 | 1,118 | 16.9% | $141,433 |
| Wayne County | 2,066 | 1,176 | 17.7% | $129,027 |
| DeKalb County | 2,045 | 1,180 | 16.3% | $166,364 |
| Noble County | 1,906 | 1,108 | 16.8% | $160,803 |
| Lawrence County | 1,831 | 1,026 | 16.4% | $156,912 |
| Harrison County | 1,788 | 979 | 18.9% | $171,247 |
| Putnam County | 1,740 | 958 | 15.1% | $187,443 |
| Montgomery County | 1,701 | 940 | 14.1% | $174,465 |
| Marshall County | 1,635 | 1,047 | 15.1% | $158,303 |
| Jackson County | 1,616 | 965 | 15.2% | $170,130 |
| Whitley County | 1,577 | 959 | 14.2% | $168,526 |
| Steuben County | 1,495 | 838 | 15.7% | $198,619 |
| Huntington County | 1,446 | 837 | 16.0% | $147,061 |
| Jefferson County | 1,419 | 799 | 18.6% | $159,412 |
| Clinton County | 1,402 | 816 | 15.8% | $154,850 |
| Jasper County | 1,375 | 773 | 15.1% | $174,920 |
| Wells County | 1,361 | 798 | 16.8% | $148,755 |
| LaGrange County | 1,359 | 918 | 14.1% | $179,143 |
| Gibson County | 1,252 | 663 | 16.6% | $138,522 |
| Greene County | 1,243 | 662 | 19.9% | $152,112 |
| Miami County | 1,219 | 669 | 17.1% | $115,304 |
| Adams County | 1,210 | 775 | 14.0% | $139,223 |
| Cass County | 1,196 | 705 | 15.9% | $147,057 |
| Jennings County | 1,166 | 626 | 18.7% | $144,374 |
| Scott County | 1,160 | 596 | 17.2% | $144,940 |
| Washington County | 1,143 | 587 | 20.5% | $151,562 |
| Dubois County | 1,125 | 682 | 14.8% | $160,618 |
| White County | 1,079 | 592 | 15.3% | $160,959 |
| Knox County | 1,059 | 586 | 18.5% | $128,201 |
| Wabash County | 1,053 | 635 | 14.3% | $136,909 |
| Decatur County | 1,048 | 607 | 13.4% | $160,468 |
| Starke County | 1,020 | 562 | 16.9% | $149,167 |
| Posey County | 967 | 577 | 16.1% | $150,853 |
| Carroll County | 948 | 511 | 19.0% | $166,793 |
| Clay County | 904 | 524 | 18.4% | $132,389 |
| Ripley County | 901 | 507 | 15.8% | $166,643 |
| Fayette County | 900 | 495 | 20.4% | $125,967 |
| Owen County | 893 | 490 | 15.3% | $185,067 |
| Daviess County | 866 | 528 | 15.2% | $170,139 |
| Brown County | 859 | 494 | 14.7% | $236,618 |
| Fulton County | 827 | 458 | 23.5% | $130,671 |
| Franklin County | 772 | 471 | 15.9% | $181,179 |
| Randolph County | 753 | 418 | 19.4% | $121,082 |
| Spencer County | 713 | 416 | 14.6% | $170,863 |
| Perry County | 692 | 415 | 14.6% | $123,512 |
| Sullivan County | 692 | 377 | 20.8% | $130,838 |
| Rush County | 692 | 363 | 18.6% | $148,439 |
| Tipton County | 686 | 392 | 17.5% | $145,408 |
| Fountain County | 663 | 327 | 20.1% | $150,943 |
| Orange County | 622 | 326 | 19.8% | $139,341 |
| Jay County | 611 | 349 | 18.3% | $111,285 |
| Newton County | 602 | 348 | 13.8% | $166,047 |
| Vermillion County | 586 | 327 | 18.1% | $113,430 |
| Pike County | 502 | 277 | 17.1% | $134,960 |
| Parke County | 482 | 274 | 20.3% | $142,137 |
| Pulaski County | 418 | 224 | 20.1% | $152,584 |
| Crawford County | 414 | 221 | 21.3% | $143,696 |
| Blackford County | 394 | 214 | 19.3% | $116,878 |
| Switzerland County | 382 | 210 | 13.9% | $177,356 |
| Benton County | 377 | 193 | 14.6% | $140,305 |
| Warren County | 332 | 188 | 16.9% | $152,681 |
| Martin County | 281 | 159 | 16.7% | $141,797 |
| Union County | 249 | 155 | 15.3% | $141,586 |
| Ohio County | 219 | 125 | 16.4% | $177,009 |
Metro Areas in Indiana
Frequently Asked Questions
How many mortgage applications were filed in Indiana?
Where does Indiana sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Indiana?
What is the average mortgage loan amount in Indiana?
How many mortgage lenders operate in Indiana?
How do mortgage denial rates vary by demographics in Indiana?
Which counties in Indiana have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.