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2024 data HMDA 2024 disclosure official source

Guernsey County

1,265 mortgage applications, 18.3% denial rate. Verify FIPS 39059 with U.S. Census Bureau →

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Ohio · FIPS 39059

Local mortgage market. Guernsey County, Ohio saw 1,265 HMDA-reported mortgage applications in 2024. Lenders originated 678 of those loans and denied 231, producing a denial rate of 18.3% and an approval (origination) rate of 53.6%. The average loan amount was $140,708 at an average note rate of 7.55%, with applicants self-reporting average annual income of $36K. 106 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 39059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,265
Applications
678
Originated
18.3%
Denial Rate
53.6%
Approval Rate
$140,708
Avg Loan Amount
7.55%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Guernsey 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 109 16.1%
2 Peoples Bank 89 13.1%
3 First Ohio Home Finance 45 6.6%
4 Rocket Mortgage 43 6.3%
5 The Park National Bank 41 6.0%
Compare Huntington National Bank vs Peoples Bank →

Frequently Asked Questions

How many mortgage applications were filed in Guernsey County?
In the 2024 HMDA reporting year, 1,265 mortgage applications were filed in Guernsey County, Ohio. Of these, 678 were originated (approved and funded), while 231 were denied, resulting in a denial rate of 18.3%.
What is the mortgage denial rate in Guernsey County?
The mortgage denial rate in Guernsey County is 18.3%. The approval (origination) rate is 53.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Guernsey County?
The average mortgage loan amount in Guernsey County is $140,708. The average interest rate is 7.550%. The average applicant income is $36K.
What is the loan-to-income ratio in Guernsey County?
The average loan-to-income ratio in Guernsey 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 Guernsey County?
The top mortgage lenders in Guernsey County by origination volume are Huntington National Bank, Peoples Bank, First Ohio Home Finance. In total, 106 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.