Franklin County
Ohio · FIPS 39049
According to CFPB HMDA 2024 application volume among U.S. counties, Franklin County ranks #23 of 3,210, and #1 of 88 in Ohio.
Mortgage lending activity in Franklin County, Ohio based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Franklin County, Ohio saw 51,733 HMDA-reported mortgage applications in 2024. Lenders originated 27,444 of those loans and denied 8,705, producing a denial rate of 16.8% and an approval (origination) rate of 53.0%. The average loan amount was $277,242 at an average note rate of 7.37%, with applicants self-reporting average annual income of $37K. 490 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Franklin County
In Franklin County, lead originator Huntington National Bank funded only 10.7% of 27,444 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Franklin County's 51,733 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Franklin County's $277,242 average loan (deduped against volume peers).
Lenders active in Franklin County
Huntington National Bank funded 2,926 of the 27,444 loans originated in Franklin County, 10.7% of the county. 490 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Huntington National Bank | 2,926 | 10.7% |
| 2 | Rocket Mortgage | 1,231 | 4.5% |
| 3 | Nfm, INC | 1,181 | 4.3% |
| 4 | United Wholesale Mortgage | 1,040 | 3.8% |
| 5 | Fifth Third Bank, National Association | 991 | 3.6% |
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; does not constitute financial advice for Franklin County borrowers.
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 Franklin County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.