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Ripley 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.
Ripley County, Indiana, saw 808 HMDA-reported applications and 507 originations ($84m) in 2024.
That is 44.0 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 0.5 percentage points and 20.0% of originations were 1.5 points or more above the average prime offer rate.
8 lenders reached 25 applications in the county; the most active by originations were First Financial Bank (80), The Friendship State Bank (47) and Civista Bank (42).
Originations were down 8% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | 124 | 80 | $11m | 27.7% | — |
| 2 | The Friendship State Bank | 66 | 47 | $7.1m | 13.6% | — |
| 3 | Civista Bank | 56 | 42 | $5.4m | 21.8% | — |
| 4 | FCN Bank, N.A. | 39 | 33 | $4.9m | 2.9% | — |
| 5 | American Pacific Mortgage Corporation | 38 | 29 | $5.7m | 6.5% | — |
| 6 | Nations Reliable Lending, LLC | 36 | 29 | $6.0m | 0.0% | — |
| 7 | Fifth Third Bank, National Association | 46 | 27 | $3.4m | 32.5% | — |
| 8 | Rocket Mortgage | 34 | 26 | $4.2m | 15.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 8. 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 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.0% | 15.8% | 15.6% |
| Average originated loan | $166k | $216k | $329k |
| Originations per 1,000 households | 44.0 | 59.9 | 48.0 |
| Home purchase share of originations | 48.3% | 53.1% | 57.0% |
| FHA-insured share | 13.0% | 14.5% | 13.4% |
| VA-guaranteed share | 4.5% | 6.0% | 7.9% |
Rate spread distribution
Share of 460 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 48% (245)Home improvement 10% (51)Refinancing 11% (57)Cash-out refinancing 15% (76)Other purpose 15% (78)
By type
Conventional 80% (404)FHA 13% (66)VA 5% (23)USDA 3% (14)
Trend by year
ApplicationsOriginations
This countyIndiana
Questions and answers
Which lenders are most active in Ripley County, IN?
By 2024 originations: First Financial Bank (80), The Friendship State Bank (47), Civista Bank (42), FCN Bank, N.A. (33), American Pacific Mortgage Corporation (29). 8 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Ripley 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 Ripley County in 2024?
507 loans totalling $84m, from 808 applications; 44.0 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 18137; 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.