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2024 data HMDA 2024 disclosure official source

Champaign County

1,523 mortgage applications, 20.5% denial rate. Verify FIPS 39021 with U.S. Census Bureau →

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Ohio · FIPS 39021

Local mortgage market. Champaign County, Ohio saw 1,523 HMDA-reported mortgage applications in 2024. Lenders originated 777 of those loans and denied 312, producing a denial rate of 20.5% and an approval (origination) rate of 51.0%. The average loan amount was $154,770 at an average note rate of 7.50%, with applicants self-reporting average annual income of $37K. 115 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 39021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,523
Applications
777
Originated
20.5%
Denial Rate
51.0%
Approval Rate
$154,770
Avg Loan Amount
7.50%
Avg Interest Rate
$37K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Champaign 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 Wright Patt Credit Union Inc 93 12.0%
2 Rocket Mortgage 70 9.0%
3 Crosscountry Mortgage, LLC 35 4.5%
4 Honda Federal Credit Union 32 4.1%
5 United Wholesale Mortgage 31 4.0%
Compare Wright Patt Credit Union Inc vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Champaign County?
In the 2024 HMDA reporting year, 1,523 mortgage applications were filed in Champaign County, Ohio. Of these, 777 were originated (approved and funded), while 312 were denied, resulting in a denial rate of 20.5%.
What is the mortgage denial rate in Champaign County?
The mortgage denial rate in Champaign County is 20.5%. The approval (origination) rate is 51.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Champaign County?
The average mortgage loan amount in Champaign County is $154,770. The average interest rate is 7.495%. The average applicant income is $37K.
What is the loan-to-income ratio in Champaign County?
The average loan-to-income ratio in Champaign County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Champaign County?
The top mortgage lenders in Champaign County by origination volume are Wright Patt Credit Union Inc, Rocket Mortgage, Crosscountry Mortgage, LLC. In total, 115 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.