Mortgage lending in Howard County, Indiana
Lenders in Howard County, Indiana reported 4,009 mortgage applications for 2025, according to the CFPB.
4,009 mortgage applications and 2,430 loans originated in 2025; the denial rate was 22.0% of 3,318 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kokomo, IN MSA.
- 4,009
- Applications
- 2,430
- Loans originated
- 22.0%
- Denial rate
- 730 denied of 3,318 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,009 | 2,430 |
| 2024 | 3,552 | 2,249 |
| 2023 | 3,145 | 1,917 |
| 2022 | 4,030 | 2,538 |
| 2021 | 5,567 | 3,710 |
| 2020 | 5,153 | 3,416 |
| 2019 | 3,461 | 2,287 |
| 2018 | 3,297 | 2,091 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Farmers Bank & Trust | 169 | 253 |
| Ruoff Mortgage Company | 166 | 208 |
| Solidarity Community Federal Credit Union | 149 | 239 |
| Rocket Mortgage | 137 | 188 |
| Plaza Home Mortgage, Inc | 123 | 160 |
| GVC Mortgage, Inc. | 113 | 137 |
| Community First Bank of IND | 85 | 108 |
| MJW Financial LLC Dba MJW Mortgage | 80 | 116 |
| X - Financial Builders FCU - Deconverted | 71 | 71 |
| BMO Harris Bank NA | 63 | 114 |
| Luminate Bank | 63 | 82 |
| Vanderbilt Mortgage and Finance, Inc | 62 | 77 |
| Mortgage Research Center | 61 | 119 |
| Star Financial Bank | 56 | 96 |
| Huntington National Bank | 52 | 74 |
| United Wholesale Mortgage | 51 | 73 |
| Freedom Mortgage Corporation | 44 | 99 |
| PNC Bank N.A. | 42 | 82 |
| Keybank National Association | 39 | 67 |
| Zippy Loans, LLC | 32 | 94 |
| loanDepot.com LLC | 27 | 57 |
| Security Federal Savings Bank | 26 | 30 |
| Horizon Bank | 26 | 46 |
| Pennymac Loan Services LLC | 23 | 52 |
| Nationstar Mortgage | 21 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 25 | no rate: base under 50 |
| Asian | 37 | no rate: base under 50 |
| Black or African American | 176 | 43.0% of 149 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,170 | 19.3% of 2,652 decided |
| 2 or more minority races | under 10 | |
| Joint | 63 | 22.4% of 58 decided |
| Race Not Available | 531 | 31.4% of 398 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 107 | 20.9% of 86 decided |
| Not Hispanic or Latino | 3,333 | 21.0% of 2,806 decided |
| Joint | 36 | no rate: base under 50 |
| Ethnicity Not Available | 533 | 29.7% of 394 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,566 | 24.6% of 1,283 decided |
| Female | 986 | 24.3% of 826 decided |
| Joint | 1,119 | 14.9% of 969 decided |
| Sex Not Available | 338 | 29.2% of 240 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2141 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved