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2024 data HMDA 2024 disclosure official source

Clark County

5,435 mortgage applications, 17.4% denial rate. Verify FIPS 39023 with U.S. Census Bureau →

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Ohio · FIPS 39023

Local mortgage market. Clark County, Ohio saw 5,435 HMDA-reported mortgage applications in 2024. Lenders originated 2,956 of those loans and denied 947, producing a denial rate of 17.4% and an approval (origination) rate of 54.4%. The average loan amount was $152,505 at an average note rate of 7.42%, with applicants self-reporting average annual income of $37K. 205 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 39023 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,435
Applications
2,956
Originated
17.4%
Denial Rate
54.4%
Approval Rate
$152,505
Avg Loan Amount
7.42%
Avg Interest Rate
$37K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Clark 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 465 15.7%
2 Crosscountry Mortgage, LLC 224 7.6%
3 Huntington National Bank 220 7.4%
4 Rocket Mortgage 197 6.7%
5 The Park National Bank 135 4.6%
Compare Wright Patt Credit Union Inc vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Clark County?
In the 2024 HMDA reporting year, 5,435 mortgage applications were filed in Clark County, Ohio. Of these, 2,956 were originated (approved and funded), while 947 were denied, resulting in a denial rate of 17.4%.
What is the mortgage denial rate in Clark County?
The mortgage denial rate in Clark County is 17.4%. The approval (origination) rate is 54.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clark County?
The average mortgage loan amount in Clark County is $152,505. The average interest rate is 7.415%. The average applicant income is $37K.
What is the loan-to-income ratio in Clark County?
The average loan-to-income ratio in Clark County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clark County?
The top mortgage lenders in Clark County by origination volume are Wright Patt Credit Union Inc, Crosscountry Mortgage, LLC, Huntington National Bank. In total, 205 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.