Mortgage Approval and Denial Rates in Indiana (2025 HMDA)
Mortgage denial rates in Indiana: lenders acted on 284,857 mortgage applications in Indiana in 2025 and denied 16.4% of them, down from 17.8% in 2024. The national denial rate was 17.7%.
Applications acted on
284,857
Loans originated
177,798
Denial rate
16.4%
Median loan
$165,000
Indiana against the national picture
Most-reported denial reason in Indiana: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Sullivan County | 750 | 24.5% | $105,000 |
| Blackford County | 401 | 22.7% | $105,000 |
| Orange County | 648 | 21.8% | $125,000 |
| Parke County | 597 | 21.8% | $115,000 |
| Warren County | 365 | 21.6% | $125,000 |
| Crawford County | 352 | 21.3% | $135,000 |
| Henry County | 2,000 | 21.1% | $125,000 |
| Grant County | 2,196 | 20.8% | $105,000 |
| Greene County | 1,297 | 20.8% | $135,000 |
| Fulton County | 872 | 20.6% | $95,000 |
| Pike County | 443 | 20.5% | $105,000 |
| LaPorte County | 4,349 | 20.0% | $145,000 |
| Vermillion County | 654 | 19.9% | $95,000 |
| Scott County | 1,187 | 19.8% | $135,000 |
| Owen County | 895 | 19.8% | $155,000 |
| Jennings County | 1,196 | 19.7% | $135,000 |
| Jay County | 657 | 19.6% | $85,000 |
| Fayette County | 890 | 19.4% | $115,000 |
| Shelby County | 2,093 | 19.3% | $165,000 |
| Newton County | 587 | 19.1% | $145,000 |
| Brown County | 931 | 19.0% | $195,000 |
| Benton County | 381 | 18.9% | $135,000 |
| Jefferson County | 1,405 | 18.8% | $125,000 |
| Knox County | 1,090 | 18.7% | $95,000 |
| Cass County | 1,292 | 18.5% | $105,000 |
| Miami County | 1,209 | 18.5% | $95,000 |
| Vigo County | 3,674 | 18.4% | $105,000 |
| Carroll County | 995 | 18.4% | $135,000 |
| Martin County | 348 | 18.4% | $120,000 |
| Marion County | 38,134 | 18.3% | $165,000 |
| Madison County | 6,098 | 18.3% | $125,000 |
| Howard County | 4,009 | 18.2% | $125,000 |
| Gibson County | 1,240 | 18.2% | $135,000 |
| Randolph County | 828 | 18.0% | $105,000 |
| Lake County | 20,303 | 17.9% | $165,000 |
| Wells County | 1,244 | 17.9% | $135,000 |
| Washington County | 1,236 | 17.9% | $135,000 |
| Clay County | 993 | 17.9% | $115,000 |
| Perry County | 808 | 17.9% | $105,000 |
| Lawrence County | 1,898 | 17.8% | $135,000 |
| Steuben County | 1,497 | 17.8% | $155,000 |
| Clinton County | 1,371 | 17.7% | $135,000 |
| Elkhart County | 7,689 | 17.6% | $145,000 |
| White County | 1,083 | 17.6% | $145,000 |
| Rush County | 698 | 17.6% | $125,000 |
| Fountain County | 609 | 17.6% | $155,000 |
| Pulaski County | 427 | 17.6% | $105,000 |
| Wayne County | 2,029 | 17.5% | $105,000 |
| Harrison County | 1,831 | 17.5% | $155,000 |
| Ohio County | 240 | 17.5% | $135,000 |
| Delaware County | 4,490 | 17.3% | $105,000 |
| Spencer County | 655 | 17.3% | $135,000 |
| Marshall County | 1,753 | 17.1% | $135,000 |
| St. Joseph County | 10,560 | 17.0% | $125,000 |
| Wabash County | 1,130 | 17.0% | $125,000 |
| Daviess County | 821 | 16.9% | $135,000 |
| Putnam County | 1,556 | 16.6% | $165,000 |
| Starke County | 1,014 | 16.6% | $145,000 |
| Dearborn County | 2,339 | 16.5% | $175,000 |
| Morgan County | 4,036 | 16.3% | $205,000 |
| Franklin County | 847 | 16.3% | $165,000 |
| Johnson County | 9,122 | 16.2% | $215,000 |
| DeKalb County | 1,973 | 16.2% | $155,000 |
| Noble County | 1,847 | 16.2% | $145,000 |
| Union County | 259 | 16.2% | $135,000 |
| Switzerland County | 403 | 16.1% | $155,000 |
| Jasper County | 1,419 | 15.8% | $155,000 |
| Hendricks County | 9,527 | 15.7% | $245,000 |
| LaGrange County | 1,405 | 15.7% | $155,000 |
| Ripley County | 988 | 15.6% | $155,000 |
| Tipton County | 679 | 15.6% | $125,000 |
| Jackson County | 1,499 | 15.5% | $145,000 |
| Huntington County | 1,435 | 15.5% | $125,000 |
| Montgomery County | 1,532 | 15.3% | $155,000 |
| Kosciusko County | 3,508 | 14.9% | $145,000 |
| Whitley County | 1,490 | 14.8% | $145,000 |
| Clark County | 6,410 | 14.7% | $185,000 |
| Posey County | 966 | 14.6% | $135,000 |
| Allen County | 16,334 | 14.5% | $155,000 |
| Vanderburgh County | 6,737 | 14.5% | $125,000 |
| Decatur County | 1,027 | 14.5% | $155,000 |
| Dubois County | 1,144 | 14.3% | $145,000 |
| Porter County | 7,281 | 14.0% | $205,000 |
| Hancock County | 5,471 | 13.8% | $245,000 |
| Monroe County | 4,159 | 13.6% | $195,000 |
| Warrick County | 2,655 | 13.6% | $175,000 |
| Tippecanoe County | 6,473 | 13.5% | $185,000 |
| Bartholomew County | 3,623 | 13.5% | $175,000 |
| Floyd County | 3,725 | 13.3% | $185,000 |
| Boone County | 4,240 | 13.0% | $285,000 |
| Adams County | 1,306 | 12.6% | $115,000 |
| Hamilton County | 19,000 | 11.7% | $285,000 |
Find out what you'd be approved for in Indiana
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.