Perry County
Ohio · FIPS 39127
According to CFPB HMDA 2024 application volume among U.S. counties, Perry County ranks #1,228 of 3,210, and #63 of 88 in Ohio.
Mortgage lending activity in Perry 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. Perry County, Ohio saw 1,293 HMDA-reported mortgage applications in 2024. Lenders originated 682 of those loans and denied 242, producing a denial rate of 18.7% and an approval (origination) rate of 52.7%. The average loan amount was $170,050 at an average note rate of 7.55%, with applicants self-reporting average annual income of $37K. 115 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 Perry County
In Perry County, lead originator The Park National Bank funded only 9.8% of 682 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Perry County's 1,293 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Perry County's $170,050 average loan (deduped against volume peers).
Lenders active in Perry County
The Park National Bank funded 67 of the 682 loans originated in Perry County, 9.8% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Park National Bank | 67 | 9.8% |
| 2 | Crosscountry Mortgage, LLC | 60 | 8.8% |
| 3 | Rocket Mortgage | 43 | 6.3% |
| 4 | Peoples State Bank | 36 | 5.3% |
| 5 | Huntington National Bank | 29 | 4.3% |
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 Perry 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 Perry 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.