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2024 data HMDA 2024 disclosure official source

Monroe County

296 mortgage applications, 16.6% denial rate. Verify FIPS 39111 with U.S. Census Bureau →

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Ohio · FIPS 39111

Local mortgage market. Monroe County, Ohio saw 296 HMDA-reported mortgage applications in 2024. Lenders originated 175 of those loans and denied 49, producing a denial rate of 16.6% and an approval (origination) rate of 59.1%. The average loan amount was $126,993 at an average note rate of 6.63%, with applicants self-reporting average annual income of $34K. 40 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 39111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

296
Applications
175
Originated
16.6%
Denial Rate
59.1%
Approval Rate
$126,993
Avg Loan Amount
6.63%
Avg Interest Rate
$34K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Monroe 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 Woodsfield Savings Bank 28 16.0%
2 The Citizens National Bank 23 13.1%
3 Wesbanco Bank, INC. 18 10.3%
4 Rocket Mortgage 16 9.1%
5 Bayer Hfcu 15 8.6%
Compare Woodsfield Savings Bank vs The Citizens National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Monroe County?
In the 2024 HMDA reporting year, 296 mortgage applications were filed in Monroe County, Ohio. Of these, 175 were originated (approved and funded), while 49 were denied, resulting in a denial rate of 16.6%.
What is the mortgage denial rate in Monroe County?
The mortgage denial rate in Monroe County is 16.6%. The approval (origination) rate is 59.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Monroe County?
The average mortgage loan amount in Monroe County is $126,993. The average interest rate is 6.627%. The average applicant income is $34K.
What is the loan-to-income ratio in Monroe County?
The average loan-to-income ratio in Monroe County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Monroe County?
The top mortgage lenders in Monroe County by origination volume are Woodsfield Savings Bank, The Citizens National Bank, Wesbanco Bank, INC.. In total, 40 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.