PlainLender
2024 data HMDA 2024 disclosure official source

Pike County

783 mortgage applications, 19.0% denial rate. Verify FIPS 39131 with U.S. Census Bureau →

PlainLender home → About this data

Ohio · FIPS 39131

Local mortgage market. Pike County, Ohio saw 783 HMDA-reported mortgage applications in 2024. Lenders originated 364 of those loans and denied 149, producing a denial rate of 19.0% and an approval (origination) rate of 46.5%. The average loan amount was $162,229 at an average note rate of 7.26%, with applicants self-reporting average annual income of $37K. 77 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 39131 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

783
Applications
364
Originated
19.0%
Denial Rate
46.5%
Approval Rate
$162,229
Avg Loan Amount
7.26%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Pike 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 Atomic Credit Union, INC 43 11.8%
2 The Ohio Valley Bank Company 39 10.7%
3 Guaranteed Rate, INC. 33 9.1%
4 Rocket Mortgage 18 4.9%
5 Fifth Third Bank, National Association 18 4.9%
Compare Atomic Credit Union, INC vs The Ohio Valley Bank Company →

Frequently Asked Questions

How many mortgage applications were filed in Pike County?
In the 2024 HMDA reporting year, 783 mortgage applications were filed in Pike County, Ohio. Of these, 364 were originated (approved and funded), while 149 were denied, resulting in a denial rate of 19.0%.
What is the mortgage denial rate in Pike County?
The mortgage denial rate in Pike County is 19.0%. The approval (origination) rate is 46.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pike County?
The average mortgage loan amount in Pike County is $162,229. The average interest rate is 7.262%. The average applicant income is $37K.
What is the loan-to-income ratio in Pike County?
The average loan-to-income ratio in Pike County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pike County?
The top mortgage lenders in Pike County by origination volume are Atomic Credit Union, INC, The Ohio Valley Bank Company, Guaranteed Rate, INC.. In total, 77 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.