Morrow County
Ohio · FIPS 39117
According to CFPB HMDA 2024 application volume among U.S. counties, Morrow County ranks #1,109 of 3,210, and #55 of 88 in Ohio.
Mortgage lending activity in Morrow 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. Morrow County, Ohio saw 1,509 HMDA-reported mortgage applications in 2024. Lenders originated 760 of those loans and denied 325, producing a denial rate of 21.5% and an approval (origination) rate of 50.4%. The average loan amount was $191,700 at an average note rate of 7.45%, with applicants self-reporting average annual income of $37K. 137 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Morrow County
In Morrow County, lead originator The Park National Bank funded only 8.9% of 760 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Morrow County's 1,509 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Morrow County's $191,700 average loan (deduped against volume peers).
Lenders active in Morrow County
The Park National Bank funded 68 of the 760 loans originated in Morrow County, 8.9% of the county. 137 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Park National Bank | 68 | 8.9% |
| 2 | Huntington National Bank | 65 | 8.6% |
| 3 | Rocket Mortgage | 43 | 5.7% |
| 4 | Union Home Mortgage Corp. | 35 | 4.6% |
| 5 | First Federal Bank of Ohio | 24 | 3.2% |
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 Morrow 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 Morrow 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.