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2024 data HMDA 2024 disclosure official source

Clinton County

1,782 mortgage applications, 17.9% denial rate. Verify FIPS 39027 with U.S. Census Bureau →

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Ohio · FIPS 39027

Local mortgage market. Clinton County, Ohio saw 1,782 HMDA-reported mortgage applications in 2024. Lenders originated 932 of those loans and denied 319, producing a denial rate of 17.9% and an approval (origination) rate of 52.3%. The average loan amount was $175,051 at an average note rate of 7.42%, with applicants self-reporting average annual income of $37K. 139 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 39027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,782
Applications
932
Originated
17.9%
Denial Rate
52.3%
Approval Rate
$175,051
Avg Loan Amount
7.42%
Avg Interest Rate
$37K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Clinton 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 111 11.9%
2 Loandepot.Com, LLC 79 8.5%
3 Peoples Bank 55 5.9%
4 Fifth Third Bank, National Association 51 5.5%
5 Rocket Mortgage 42 4.5%
Compare Wright Patt Credit Union Inc vs Loandepot.Com, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Clinton County?
In the 2024 HMDA reporting year, 1,782 mortgage applications were filed in Clinton County, Ohio. Of these, 932 were originated (approved and funded), while 319 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Clinton County?
The mortgage denial rate in Clinton County is 17.9%. The approval (origination) rate is 52.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clinton County?
The average mortgage loan amount in Clinton County is $175,051. The average interest rate is 7.424%. The average applicant income is $37K.
What is the loan-to-income ratio in Clinton County?
The average loan-to-income ratio in Clinton County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clinton County?
The top mortgage lenders in Clinton County by origination volume are Wright Patt Credit Union Inc, Loandepot.Com, LLC, Peoples Bank. In total, 139 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.