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2024 data HMDA 2024 disclosure official source

Fulton County

1,462 mortgage applications, 17.0% denial rate. Verify FIPS 39051 with U.S. Census Bureau →

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Ohio · FIPS 39051

Local mortgage market. Fulton County, Ohio saw 1,462 HMDA-reported mortgage applications in 2024. Lenders originated 785 of those loans and denied 248, producing a denial rate of 17.0% and an approval (origination) rate of 53.7%. The average loan amount was $150,294 at an average note rate of 7.63%, with applicants self-reporting average annual income of $36K. 94 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 39051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,462
Applications
785
Originated
17.0%
Denial Rate
53.7%
Approval Rate
$150,294
Avg Loan Amount
7.63%
Avg Interest Rate
$36K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Fulton 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 The Farmers & Merchants State Bank 114 14.5%
2 Huntington National Bank 103 13.1%
3 Premier Bank 68 8.7%
4 The State Bank & Trust Company 65 8.3%
5 Rocket Mortgage 46 5.9%
Compare The Farmers & Merchants State Bank vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Fulton County?
In the 2024 HMDA reporting year, 1,462 mortgage applications were filed in Fulton County, Ohio. Of these, 785 were originated (approved and funded), while 248 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Fulton County?
The mortgage denial rate in Fulton County is 17.0%. The approval (origination) rate is 53.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fulton County?
The average mortgage loan amount in Fulton County is $150,294. The average interest rate is 7.629%. The average applicant income is $36K.
What is the loan-to-income ratio in Fulton County?
The average loan-to-income ratio in Fulton County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fulton County?
The top mortgage lenders in Fulton County by origination volume are The Farmers & Merchants State Bank, Huntington National Bank, Premier Bank. In total, 94 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.