PlainLender
2024 data HMDA 2024 disclosure official source

Butler County

16,585 mortgage applications, 15.7% denial rate. Verify FIPS 39017 with U.S. Census Bureau →

PlainLender home → About this data

Ohio · FIPS 39017

Local mortgage market. Butler County, Ohio saw 16,585 HMDA-reported mortgage applications in 2024. Lenders originated 8,943 of those loans and denied 2,601, producing a denial rate of 15.7% and an approval (origination) rate of 53.9%. The average loan amount was $206,940 at an average note rate of 7.39%, with applicants self-reporting average annual income of $37K. 329 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 39017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

16,585
Applications
8,943
Originated
15.7%
Denial Rate
53.9%
Approval Rate
$206,940
Avg Loan Amount
7.39%
Avg Interest Rate
$37K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Butler 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 Fifth Third Bank, National Association 614 6.9%
2 Rocket Mortgage 530 5.9%
3 United Wholesale Mortgage 459 5.1%
4 Union Savings Bank 411 4.6%
5 Huntington National Bank 376 4.2%
Compare Fifth Third Bank, National Association vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Butler County?
In the 2024 HMDA reporting year, 16,585 mortgage applications were filed in Butler County, Ohio. Of these, 8,943 were originated (approved and funded), while 2,601 were denied, resulting in a denial rate of 15.7%.
What is the mortgage denial rate in Butler County?
The mortgage denial rate in Butler County is 15.7%. The approval (origination) rate is 53.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Butler County?
The average mortgage loan amount in Butler County is $206,940. The average interest rate is 7.389%. The average applicant income is $37K.
What is the loan-to-income ratio in Butler County?
The average loan-to-income ratio in Butler County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Butler County?
The top mortgage lenders in Butler County by origination volume are Fifth Third Bank, National Association, Rocket Mortgage, United Wholesale Mortgage. In total, 329 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.