Muskingum County
Ohio · FIPS 39119
According to CFPB HMDA 2024 application volume among U.S. counties, Muskingum County ranks #656 of 3,223, and #29 of 88 in Ohio.
Mortgage lending activity in Muskingum 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. Muskingum County, Ohio lenders denied 609 of the applications reported here, financing the rest at an average note rate of 7.60%, with applicants self-reporting average annual income of $37K. 156 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Muskingum County
In Muskingum County, lead originator The Park National Bank funded 16.7% of 1,884 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Muskingum County's 3,545 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Muskingum County's $154,408 average loan (deduped against volume peers).
Lenders active in Muskingum County
The Park National Bank funded 315 of the 1,884 loans originated in Muskingum County, 16.7% of the county. 156 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Park National Bank | 315 | 16.7% |
| 2 | Huntington National Bank | 305 | 16.2% |
| 3 | Crosscountry Mortgage, LLC | 126 | 6.7% |
| 4 | The Community Bank | 108 | 5.7% |
| 5 | Rocket Mortgage | 96 | 5.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Muskingum County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Muskingum County borrowers. 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.