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DeKalb County, Indiana
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
DeKalb County, Indiana, saw 1,828 HMDA-reported applications and 1,180 originations ($197m) in 2024.
That is 69.0 originations per 1,000 households, against 59.9 for Indiana and 48.0 nationally.
The county's denial rate was 21.0%, close to the state rate of 21.5%. The median rate spread on originated loans was 0.6 percentage points and 19.4% of originations were 1.5 points or more above the average prime offer rate.
22 lenders reached 25 applications in the county; the most active by originations were Three Rivers Federal Crediit U (122), Ruoff Mortgage Company (112) and Profed Federal Credit Union (64).
Originations were up 16% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Three Rivers Federal Crediit U | 170 | 122 | $22m | 21.3% | — |
| 2 | Ruoff Mortgage Company | 144 | 112 | $23m | 4.4% | — |
| 3 | Profed Federal Credit Union | 93 | 64 | $6.6m | 22.6% | — |
| 4 | Horizon Bank | 81 | 55 | $6.0m | 26.0% | — |
| 5 | Rocket Mortgage | 71 | 54 | $7.0m | 16.7% | — |
| 6 | Garrett State Bank | 62 | 52 | $7.2m | 5.3% | — |
| 7 | Gvc Mortgage, Inc. | 56 | 51 | $11m | 1.9% | — |
| 8 | Lake City Bank | 47 | 38 | $4.6m | 13.3% | — |
| 9 | Fort Financial Credit Union | 46 | 37 | $3.6m | 19.6% | — |
| 10 | Hallmark Home Mortgage, LLC | 40 | 29 | $5.0m | 12.1% | — |
| 11 | PNC Bank N.A. | 39 | 28 | $4.0m | 23.7% | — |
| 12 | Fifth Third Bank, National Association | 37 | 28 | $3.7m | 3.4% | — |
| 13 | Fairway Independent Mort Corp | 37 | 28 | $5.8m | 6.7% | — |
| 14 | The Farmers & Merchants State Bank | 34 | 24 | $3.5m | 25.0% | — |
| 15 | Beacon Credit Union | 25 | 18 | $1.6m | — | — |
| 16 | Newrez LLC | 35 | 15 | $2.7m | — | — |
| 17 | Mortgage Research Center | 30 | 15 | $3.0m | — | — |
| 18 | First Merchants Bank | 26 | 15 | $3.4m | — | — |
| 19 | Flagstar Bank NA | 26 | 12 | $1.0m | — | — |
| 20 | Amerisave Mortgage Company | 27 | 11 | $975k | 53.8% | — |
| 21 | Carrington Mortgage Services L | 25 | 10 | $1.5m | — | — |
| 22 | Discover Bank | 27 | 2 | $250k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 22. Denial rate is denials over decided applications in this county.
Compared with Indiana and the nation
| Measure | This county | Indiana | United States |
|---|---|---|---|
| Denial rate | 21.0% | 21.5% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.4% | 15.8% | 15.6% |
| Average originated loan | $167k | $216k | $329k |
| Originations per 1,000 households | 69.0 | 59.9 | 48.0 |
| Home purchase share of originations | 49.6% | 53.1% | 57.0% |
| FHA-insured share | 13.0% | 14.5% | 13.4% |
| VA-guaranteed share | 4.8% | 6.0% | 7.9% |
Rate spread distribution
Share of 1,073 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Indiana). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (585)Home improvement 10% (114)Refinancing 10% (117)Cash-out refinancing 17% (196)Other purpose 14% (168)
By type
Conventional 79% (930)FHA 13% (153)VA 5% (57)USDA 3% (40)
Trend by year
ApplicationsOriginations
This countyIndiana
Questions and answers
Which lenders are most active in DeKalb County, IN?
By 2024 originations: Three Rivers Federal Crediit U (122), Ruoff Mortgage Company (112), Profed Federal Credit Union (64), Horizon Bank (55), Rocket Mortgage (54). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in DeKalb County?
21.0% of decided applications were denied in 2024, against 21.5% across Indiana and 24.3% nationally.
How many mortgages were originated in DeKalb County in 2024?
1,180 loans totalling $197m, from 1,828 applications; 69.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 18033; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.