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2024 data HMDA 2024 disclosure official source

Fairfield County

8,237 mortgage applications, 16.7% denial rate. Verify FIPS 39045 with U.S. Census Bureau →

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Ohio · FIPS 39045

Local mortgage market. Fairfield County, Ohio saw 8,237 HMDA-reported mortgage applications in 2024. Lenders originated 4,400 of those loans and denied 1,373, producing a denial rate of 16.7% and an approval (origination) rate of 53.4%. The average loan amount was $252,000 at an average note rate of 7.36%, with applicants self-reporting average annual income of $38K. 269 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 39045 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,237
Applications
4,400
Originated
16.7%
Denial Rate
53.4%
Approval Rate
$252,000
Avg Loan Amount
7.36%
Avg Interest Rate
$38K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Fairfield 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 Huntington National Bank 320 7.3%
2 Rocket Mortgage 249 5.7%
3 The Park National Bank 216 4.9%
4 Union Home Mortgage Corp. 171 3.9%
5 United Wholesale Mortgage 163 3.7%
Compare Huntington National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Fairfield County?
In the 2024 HMDA reporting year, 8,237 mortgage applications were filed in Fairfield County, Ohio. Of these, 4,400 were originated (approved and funded), while 1,373 were denied, resulting in a denial rate of 16.7%.
What is the mortgage denial rate in Fairfield County?
The mortgage denial rate in Fairfield County is 16.7%. The approval (origination) rate is 53.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fairfield County?
The average mortgage loan amount in Fairfield County is $252,000. The average interest rate is 7.357%. The average applicant income is $38K.
What is the loan-to-income ratio in Fairfield County?
The average loan-to-income ratio in Fairfield County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fairfield County?
The top mortgage lenders in Fairfield County by origination volume are Huntington National Bank, Rocket Mortgage, The Park National Bank. In total, 269 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.