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2024 data HMDA 2024 disclosure official source

Muskingum County

3,545 mortgage applications, 17.2% denial rate. Verify FIPS 39119 with U.S. Census Bureau →

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Ohio · FIPS 39119

Local mortgage market. Muskingum County, Ohio saw 3,545 HMDA-reported mortgage applications in 2024. Lenders originated 1,884 of those loans and denied 609, producing a denial rate of 17.2% and an approval (origination) rate of 53.1%. The average loan amount was $154,408 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.

FIPS 39119 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,545
Applications
1,884
Originated
17.2%
Denial Rate
53.1%
Approval Rate
$154,408
Avg Loan Amount
7.60%
Avg Interest Rate
$37K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Muskingum 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 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%
Compare The Park National Bank vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Muskingum County?
In the 2024 HMDA reporting year, 3,545 mortgage applications were filed in Muskingum County, Ohio. Of these, 1,884 were originated (approved and funded), while 609 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in Muskingum County?
The mortgage denial rate in Muskingum County is 17.2%. The approval (origination) rate is 53.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Muskingum County?
The average mortgage loan amount in Muskingum County is $154,408. The average interest rate is 7.596%. The average applicant income is $37K.
What is the loan-to-income ratio in Muskingum County?
The average loan-to-income ratio in Muskingum County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Muskingum County?
The top mortgage lenders in Muskingum County by origination volume are The Park National Bank, Huntington National Bank, Crosscountry Mortgage, LLC. In total, 156 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.