Warrick County, IN Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 6,188 mortgage applications in Warrick County, IN totaling $1.2 billion, up 61% from 2019. The average application was for $187,000, and applicants reported an average income of $107,000. 64% of applications resulted in an originated loan and 7% were denied. The most active lender was Liberty Federal Credit Union, with 1,080 applications, followed by Heritage Federal Credit Union and Mortgage Masters of Indiana Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,188 |
| Total Mortgage Loan Application Amount | $1,163,300,000 |
| Average Mortgage Loan Application Amount | $187,000 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $6,117,000 |
Top Mortgage Lenders in Warrick County, IN (2020)
Ranked by the number of mortgage applications each lender reported in Warrick County, IN in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Liberty Federal Credit Union Louisville, KY |
1,080 | $210,170,000 | $194,000 | $106,000 |
| 2 | Heritage Federal Credit Union Newburgh, IN |
614 | $95,390,000 | $155,000 | $96,000 |
| 3 | Mortgage Masters of Indiana Inc Evansville, IN |
427 | $89,465,000 | $209,000 | $89,000 |
| 4 | Lnb Community Bank Lynnville, IN |
324 | $54,680,000 | $168,000 | $101,000 |
| 5 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
323 | $65,555,000 | $202,000 | $82,000 |
| 6 | Old National Bank Evansville, IN |
293 | $55,865,000 | $190,000 | $161,000 |
| 7 | Freedom Mortgage Corporation Boca Raton, FL |
259 | $48,075,000 | $185,000 | $84,000 |
| 8 | Fifth Third Bank, National Association Cincinnati, OH |
255 | $36,065,000 | $141,000 | $109,000 |
| 9 | German American Bank Jasper, IN |
192 | $39,180,000 | $204,000 | $202,000 |
| 10 | First Federal Savings Bank Evansville, IN |
146 | $32,340,000 | $221,000 | $122,000 |
The tables below break down 2020 mortgage applications in Warrick County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Warrick County, IN in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,935 | $562,785,000 | $191,000 | $1,935,000 | $111,000 | $1,704,000 |
| Home Purchase | 1,955 | $400,915,000 | $205,000 | $5,005,000 | $100,000 | $6,117,000 |
| Cash-out Refinancing | 895 | $166,575,000 | $186,000 | $1,505,000 | $102,000 | $713,000 |
| Home Improvement | 178 | $10,510,000 | $59,000 | $305,000 | $107,000 | $972,000 |
| Other Purpose | 175 | $16,735,000 | $95,000 | $505,000 | $149,000 | $2,015,000 |
| Not Applicable | 50 | $5,780,000 | $115,000 | $305,000 | $141,000 | $153,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,713 | $844,095,000 | $179,000 | $1,895,000 | $105,000 | $6,117,000 |
| Not applicable | 727 | $155,815,000 | $214,000 | $5,005,000 | $91,000 | $546,000 |
| Not Provided | 446 | $90,910,000 | $203,000 | $1,365,000 | $114,000 | $1,155,000 |
| Asian | 124 | $36,790,000 | $296,000 | $1,935,000 | $168,000 | $1,254,000 |
| Black or African American | 72 | $13,240,000 | $183,000 | $645,000 | $105,000 | $985,000 |
| Hispanic | 58 | $11,230,000 | $193,000 | $685,000 | $95,000 | $330,000 |
| American Indian or Alaskan Native | 18 | $3,330,000 | $185,000 | $585,000 | $102,000 | $437,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $810,000 | $202,000 | $295,000 | $107,000 | $120,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,782 | $904,320,000 | $189,000 | $5,005,000 | $114,000 | $6,117,000 |
| FHA-insured (Federal Housing Administration) | 699 | $120,355,000 | $172,000 | $335,000 | $63,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 472 | $105,660,000 | $223,000 | $815,000 | $73,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 235 | $32,965,000 | $140,000 | $275,000 | $49,000 | $89,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,944 | $753,550,000 | $191,000 | $5,005,000 | $107,000 | $6,117,000 |
| Loan Purchased By The Institution | 780 | $157,790,000 | $202,000 | $1,195,000 | $105,000 | $6,117,000 |
| Application Withdrawn By Applicant | 675 | $129,285,000 | $191,000 | $1,605,000 | $122,000 | $1,704,000 |
| Application Denied By Financial Institution | 437 | $67,285,000 | $153,000 | $1,895,000 | $94,000 | $2,015,000 |
| File Closed For Incompleteness | 232 | $38,400,000 | $165,000 | $1,325,000 | $91,000 | $1,400,000 |
| Application Approved But Not Accepted | 120 | $16,990,000 | $141,000 | $555,000 | $92,000 | $724,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,349 | $1,025,075,000 | $191,000 | $5,005,000 | $108,000 | $6,117,000 |
| Debt-To-Income Ratio | 512 | $89,610,000 | $175,000 | $715,000 | $100,000 | $1,247,000 |
| Credit History | 137 | $16,535,000 | $120,000 | $1,895,000 | $89,000 | $1,536,000 |
| Credit Application Incomplete | 60 | $10,570,000 | $176,000 | $565,000 | $142,000 | $2,015,000 |
| Collateral | 55 | $8,475,000 | $154,000 | $1,215,000 | $109,000 | $904,000 |
| Other | 48 | $8,260,000 | $172,000 | $585,000 | $103,000 | $1,089,000 |
| Unverifiable Information | 12 | $2,390,000 | $199,000 | $515,000 | $100,000 | $370,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $825,000 | $117,000 | $295,000 | $58,000 | $142,000 |
| Employment History | 6 | $1,230,000 | $205,000 | $385,000 | $115,000 | $266,000 |
| Mortgage Insurance Denied | 2 | $330,000 | $165,000 | $175,000 | $59,000 | $75,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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