Today's Indiana (IN) Mortgage Rates

Indiana (IN) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 1,583,917
Application denied by financial institution: 599,093
Loan purchased by the institution: 526,047
Application withdrawn by applicant: 271,684
Application approved but not accepted: 130,972
File closed for incompleteness: 80,719
Preapproval request denied by financial institution: 503
Preapproval request approved but not accepted: 96

Purpose of Loans

Refinancing: 1,868,028
Home purchase: 1,122,266
Home improvement: 202,737

Mortgage Types

Conventional: 2,270,834
FHA-insured: 731,271
VA-guaranteed: 118,061
FSA/RHS-guaranteed: 72,865

Mortage Actions by Applicant Race

White: 2,456,599
Not applicable: 297,138
Information not provided by applicant in mail, Internet, or telephone application: 244,987
Black or African American: 136,976
Asian: 41,138
American Indian or Alaska Native: 11,468
Native Hawaiian or Other Pacific Islander: 4,725

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 2,563,283
Not applicable: 297,984
Information not provided by applicant in mail, Internet, or telephone application: 245,413
Hispanic or Latino: 86,351

Mortage Actions by Applicant Sex

Male: 1,991,795
Female: 764,907
Not applicable: 297,225
Information not provided by applicant in mail, Internet, or telephone application: 139,104

Mortage Actions by Agency Name

Department of Housing and Urban Development: 800,282
Office of the Comptroller of the Currency: 684,826
Consumer Financial Protection Bureau: 611,061
Federal Deposit Insurance Corporation: 343,988
Federal Reserve System: 324,734
Office of Thrift Supervision: 217,780
National Credit Union Administration: 210,360

Mortage Actions by County

Marion County: 434,987
Hamilton County: 243,494
Lake County: 234,206
Allen County: 192,045
St. Joseph County: 110,561
Hendricks County: 106,241
Porter County: 96,243
Johnson County: 94,396
Vanderburgh County: 84,841
Elkhart County: 82,909
Tippecanoe County: 77,300
Clark County: 62,702
Monroe County: 61,575
Madison County: 54,446
LaPorte County: 54,442
Hancock County: 47,099
Boone County: 42,756
Bartholomew County: 42,623
Floyd County: 42,498
Morgan County: 42,428
Vigo County: 40,457
Delaware County: 40,007
Kosciusko County: 36,992
Howard County: 36,250
Warrick County: 35,783
Dearborn County: 29,252
Wayne County: 25,012
Shelby County: 20,895
Grant County: 20,473
Noble County: 20,336
DeKalb County: 20,324
Harrison County: 19,958
Steuben County: 19,126
Whitley County: 18,602
Marshall County: 18,583
Jackson County: 18,426
Henry County: 18,190
Putnam County: 18,057
Montgomery County: 17,357
Jasper County: 16,677
Huntington County: 15,628
Lawrence County: 15,384
Jefferson County: 14,904
Gibson County: 14,376
LaGrange County: 14,237
Dubois County: 14,066
Wells County: 13,960
Clinton County: 13,708
Adams County: 12,797
Posey County: 12,743
Unknown: 12,554
Knox County: 12,521
White County: 12,504
Washington County: 12,252
Ripley County: 12,193
Greene County: 12,053
Franklin County: 11,499
Miami County: 11,476
Cass County: 11,208
Wabash County: 11,174
Brown County: 11,143
Starke County: 11,023
Clay County: 10,907
Jennings County: 10,495
Decatur County: 10,067
Carroll County: 10,027
Daviess County: 9,644
Fayette County: 9,579
Scott County: 9,572
Owen County: 9,447
Randolph County: 9,215
Perry County: 8,997
Sullivan County: 7,790
Fulton County: 7,504
Tipton County: 7,127
Rush County: 6,944
Newton County: 6,915
Jay County: 6,766
Spencer County: 6,754
Vermillion County: 6,565
Parke County: 6,514
Fountain County: 6,417
Orange County: 5,337
Pike County: 4,964
Pulaski County: 4,630
Switzerland County: 4,430
Warren County: 3,974
Martin County: 3,834
Crawford County: 3,780
Benton County: 3,367
Blackford County: 3,341
Ohio County: 3,224
Union County: 2,952

Mortage Actions by City

Indianapolis, Carmel – IN: 881,872
Unknown: 565,286
Gary – IN: 353,869
Fort Wayne – IN: 223,392
Indianapolis, Carmel, Anderson – IN: 188,211
Evansville – IN, KY: 145,120
Louisville, Jefferson County – KY, IN: 139,021
South Bend, Mishawaka – IN, MI: 110,371
Elkhart, Goshen – IN: 82,725
Bloomington – IN: 80,841
Lafayette – IN: 74,068
Terre Haute – IN: 65,695
Michigan City, La Porte – IN: 54,329
Anderson – IN: 45,069
Columbus – IN: 42,600
Kokomo – IN: 42,121
Muncie – IN: 39,950
Cincinnati, Middletown – OH, KY, IN: 37,195
Lafayette, West Lafayette – IN: 15,802
Cincinnati – OH, KY, IN: 5,494

Mortage Denial Reasons

Unknown: 2,778,718
Credit history: 130,303
Collateral: 101,988
Debt-to-income ratio: 71,186
Credit application incomplete: 43,993
Other: 39,214
Unverifiable information: 12,122
Insufficient cash (downpayment, closing costs): 8,948
Employment history: 5,580
Mortgage insurance denied: 979

HOEPA Status of Mortage Loans

Not a HOEPA loan: 3,192,359
HOEPA loan: 672

Lien Status of Mortage Loans

Secured by a first lien: 2,468,857
Not applicable: 526,047
Secured by a subordinate lien: 134,073
Not secured by a lien: 64,054

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 2,991,038
Not owner-occupied as a principal dwelling: 194,669
Not applicable: 7,324

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 3,120,781
Manufactured housing: 67,012
Multifamily dwelling: 5,238

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 1,642,498
Fannie Mae (FNMA): 364,480
Ginnie Mae (GNMA): 331,949
Freddie Mac (FHLMC): 331,692
Affiliate institution: 143,507
Commercial bank, savings bank or savings association: 137,210
Other type of purchaser: 120,956
Life insurance company, credit union, mortgage bank, or finance company: 107,237
Private securitization: 13,423
Farmer Mac (FAMC): 79