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2024 data HMDA 2024 disclosure official source

Paulding County

637 mortgage applications, 19.0% denial rate. Verify FIPS 39125 with U.S. Census Bureau →

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Ohio · FIPS 39125

Local mortgage market. Paulding County, Ohio saw 637 HMDA-reported mortgage applications in 2024. Lenders originated 364 of those loans and denied 121, producing a denial rate of 19.0% and an approval (origination) rate of 57.1%. The average loan amount was $113,210 at an average note rate of 7.33%, with applicants self-reporting average annual income of $34K. 61 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 39125 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

637
Applications
364
Originated
19.0%
Denial Rate
57.1%
Approval Rate
$113,210
Avg Loan Amount
7.33%
Avg Interest Rate
$34K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Paulding 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 State Bank & Trust Company 67 18.4%
2 Premier Bank 36 9.9%
3 Huntington National Bank 32 8.8%
4 The Antwerp Exchange Bank Company 26 7.1%
5 The Union Bank CO 24 6.6%
Compare The State Bank & Trust Company vs Premier Bank →

Frequently Asked Questions

How many mortgage applications were filed in Paulding County?
In the 2024 HMDA reporting year, 637 mortgage applications were filed in Paulding County, Ohio. Of these, 364 were originated (approved and funded), while 121 were denied, resulting in a denial rate of 19.0%.
What is the mortgage denial rate in Paulding County?
The mortgage denial rate in Paulding County is 19.0%. The approval (origination) rate is 57.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Paulding County?
The average mortgage loan amount in Paulding County is $113,210. The average interest rate is 7.332%. The average applicant income is $34K.
What is the loan-to-income ratio in Paulding County?
The average loan-to-income ratio in Paulding County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Paulding County?
The top mortgage lenders in Paulding County by origination volume are The State Bank & Trust Company, Premier Bank, Huntington National Bank. In total, 61 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.