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Lawrence 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.
Lawrence County, Indiana, saw 1,647 HMDA-reported applications and 1,026 originations ($164m) in 2024.
That is 53.6 originations per 1,000 households, against 59.9 for Indiana and 48.0 nationally.
The county's denial rate was 21.8%, close to the state rate of 21.5%. The median rate spread on originated loans was 0.5 percentage points and 17.6% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Hoosier Hills Credit Union (159), CMG Mortgage Inc (95) and Ruoff Mortgage Company (85).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Hoosier Hills Credit Union | 226 | 159 | $15m | 17.7% | — |
| 2 | CMG Mortgage Inc | 131 | 95 | $16m | 4.6% | — |
| 3 | Ruoff Mortgage Company | 119 | 85 | $16m | 6.7% | — |
| 4 | Rocket Mortgage | 82 | 59 | $8.7m | 22.1% | — |
| 5 | Crane Credit Union | 56 | 48 | $11m | 7.1% | — |
| 6 | Mortgage Research Center | 72 | 39 | $8.8m | 29.1% | — |
| 7 | Jackson County Bank | 67 | 39 | $4.9m | 38.1% | — |
| 8 | German American Bank | 55 | 39 | $3.8m | 23.5% | — |
| 9 | Indiana University CU | 46 | 35 | $4.6m | 16.7% | — |
| 10 | Paramount Residential Mortgage | 38 | 30 | $5.8m | 0.0% | — |
| 11 | Flanagan State Bank | 34 | 28 | $3.7m | 0.0% | — |
| 12 | Old National Bank | 34 | 25 | $3.6m | 19.4% | — |
| 13 | Fifth Third Bank, National Association | 33 | 17 | $2.3m | 39.3% | — |
| 14 | Freedom Mortgage Corporation | 28 | 13 | $3.2m | — | — |
| 15 | Pennymac Loan Services LLC | 28 | 12 | $2.4m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Indiana and the nation
| Measure | This county | Indiana | United States |
|---|---|---|---|
| Denial rate | 21.8% | 21.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.6% | 15.8% | 15.6% |
| Average originated loan | $160k | $216k | $329k |
| Originations per 1,000 households | 53.6 | 59.9 | 48.0 |
| Home purchase share of originations | 50.4% | 53.1% | 57.0% |
| FHA-insured share | 18.3% | 14.5% | 13.4% |
| VA-guaranteed share | 12.6% | 6.0% | 7.9% |
Rate spread distribution
Share of 968 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% (517)Home improvement 9% (95)Refinancing 10% (100)Cash-out refinancing 21% (211)Other purpose 10% (103)
By type
Conventional 63% (646)FHA 18% (188)VA 13% (129)USDA 6% (63)
Trend by year
ApplicationsOriginations
This countyIndiana
Questions and answers
Which lenders are most active in Lawrence County, IN?
By 2024 originations: Hoosier Hills Credit Union (159), CMG Mortgage Inc (95), Ruoff Mortgage Company (85), Rocket Mortgage (59), Crane Credit Union (48). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lawrence County?
21.8% of decided applications were denied in 2024, against 21.5% across Indiana and 24.3% nationally.
How many mortgages were originated in Lawrence County in 2024?
1,026 loans totalling $164m, from 1,647 applications; 53.6 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 18093; 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.