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2024 data HMDA 2024 disclosure official source

Brown County

1,932 mortgage applications, 16.9% denial rate. Verify FIPS 39015 with U.S. Census Bureau →

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Ohio · FIPS 39015

Local mortgage market. Brown County, Ohio saw 1,932 HMDA-reported mortgage applications in 2024. Lenders originated 1,016 of those loans and denied 327, producing a denial rate of 16.9% and an approval (origination) rate of 52.6%. The average loan amount was $176,454 at an average note rate of 7.37%, with applicants self-reporting average annual income of $37K. 147 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 39015 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,932
Applications
1,016
Originated
16.9%
Denial Rate
52.6%
Approval Rate
$176,454
Avg Loan Amount
7.37%
Avg Interest Rate
$37K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Brown County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 First State Bank 100 9.8%
2 Crosscountry Mortgage, LLC 89 8.8%
3 Fifth Third Bank, National Association 59 5.8%
4 Rocket Mortgage 58 5.7%
5 Peoples Bank 47 4.6%
Compare First State Bank vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Brown County?
In the 2024 HMDA reporting year, 1,932 mortgage applications were filed in Brown County, Ohio. Of these, 1,016 were originated (approved and funded), while 327 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Brown County?
The mortgage denial rate in Brown County is 16.9%. The approval (origination) rate is 52.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Brown County?
The average mortgage loan amount in Brown County is $176,454. The average interest rate is 7.367%. The average applicant income is $37K.
What is the loan-to-income ratio in Brown County?
The average loan-to-income ratio in Brown County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Brown County?
The top mortgage lenders in Brown County by origination volume are First State Bank, Crosscountry Mortgage, LLC, Fifth Third Bank, National Association. In total, 147 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.