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2024 data HMDA 2024 disclosure official source

Darke County

1,419 mortgage applications, 15.9% denial rate. Verify FIPS 39037 with U.S. Census Bureau →

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Ohio · FIPS 39037

Local mortgage market. Darke County, Ohio saw 1,419 HMDA-reported mortgage applications in 2024. Lenders originated 837 of those loans and denied 225, producing a denial rate of 15.9% and an approval (origination) rate of 59.0%. The average loan amount was $143,245 at an average note rate of 7.43%, with applicants self-reporting average annual income of $36K. 100 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 39037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,419
Applications
837
Originated
15.9%
Denial Rate
59.0%
Approval Rate
$143,245
Avg Loan Amount
7.43%
Avg Interest Rate
$36K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Darke 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 Newrez LLC 101 12.1%
2 Greenville National Bank 92 11.0%
3 The Park National Bank 91 10.9%
4 The Farmers State Bank 48 5.7%
5 Wright Patt Credit Union Inc 44 5.3%
Compare Newrez LLC vs Greenville National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Darke County?
In the 2024 HMDA reporting year, 1,419 mortgage applications were filed in Darke County, Ohio. Of these, 837 were originated (approved and funded), while 225 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Darke County?
The mortgage denial rate in Darke County is 15.9%. The approval (origination) rate is 59.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Darke County?
The average mortgage loan amount in Darke County is $143,245. The average interest rate is 7.428%. The average applicant income is $36K.
What is the loan-to-income ratio in Darke County?
The average loan-to-income ratio in Darke County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Darke County?
The top mortgage lenders in Darke County by origination volume are Newrez LLC, Greenville National Bank, The Park National Bank. In total, 100 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.