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2024 data HMDA 2024 disclosure official source

Preble County

1,460 mortgage applications, 17.3% denial rate. Verify FIPS 39135 with U.S. Census Bureau →

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Ohio · FIPS 39135

Local mortgage market. Preble County, Ohio saw 1,460 HMDA-reported mortgage applications in 2024. Lenders originated 806 of those loans and denied 252, producing a denial rate of 17.3% and an approval (origination) rate of 55.2%. The average loan amount was $149,288 at an average note rate of 7.39%, with applicants self-reporting average annual income of $37K. 121 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 39135 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,460
Applications
806
Originated
17.3%
Denial Rate
55.2%
Approval Rate
$149,288
Avg Loan Amount
7.39%
Avg Interest Rate
$37K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Preble 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 PRIMELENDING 132 16.4%
2 Rocket Mortgage 54 6.7%
3 Wright Patt Credit Union Inc 38 4.7%
4 Fifth Third Bank, National Association 34 4.2%
5 Huntington National Bank 32 4.0%
Compare PRIMELENDING vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Preble County?
In the 2024 HMDA reporting year, 1,460 mortgage applications were filed in Preble County, Ohio. Of these, 806 were originated (approved and funded), while 252 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Preble County?
The mortgage denial rate in Preble County is 17.3%. The approval (origination) rate is 55.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Preble County?
The average mortgage loan amount in Preble County is $149,288. The average interest rate is 7.390%. The average applicant income is $37K.
What is the loan-to-income ratio in Preble County?
The average loan-to-income ratio in Preble County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Preble County?
The top mortgage lenders in Preble County by origination volume are PRIMELENDING, Rocket Mortgage, Wright Patt Credit Union Inc. In total, 121 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.