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2024 data HMDA 2024 disclosure official source

Gallia County

767 mortgage applications, 28.4% denial rate. Verify FIPS 39053 with U.S. Census Bureau →

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Ohio · FIPS 39053

Local mortgage market. Gallia County, Ohio saw 767 HMDA-reported mortgage applications in 2024. Lenders originated 342 of those loans and denied 218, producing a denial rate of 28.4% and an approval (origination) rate of 44.6%. The average loan amount was $145,743 at an average note rate of 7.23%, with applicants self-reporting average annual income of $37K. 81 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 39053 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

767
Applications
342
Originated
28.4%
Denial Rate
44.6%
Approval Rate
$145,743
Avg Loan Amount
7.23%
Avg Interest Rate
$37K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Gallia 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 Ohio Valley Bank Company 34 9.9%
2 Rocket Mortgage 31 9.1%
3 Movement Mortgage, LLC 28 8.2%
4 The Farmers Bank & Savings Com 28 8.2%
5 Peoples Bank 19 5.6%
Compare The Ohio Valley Bank Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Gallia County?
In the 2024 HMDA reporting year, 767 mortgage applications were filed in Gallia County, Ohio. Of these, 342 were originated (approved and funded), while 218 were denied, resulting in a denial rate of 28.4%.
What is the mortgage denial rate in Gallia County?
The mortgage denial rate in Gallia County is 28.4%. The approval (origination) rate is 44.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gallia County?
The average mortgage loan amount in Gallia County is $145,743. The average interest rate is 7.230%. The average applicant income is $37K.
What is the loan-to-income ratio in Gallia County?
The average loan-to-income ratio in Gallia County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gallia County?
The top mortgage lenders in Gallia County by origination volume are The Ohio Valley Bank Company, Rocket Mortgage, Movement Mortgage, LLC. In total, 81 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.