Scioto County
Ohio · FIPS 39145
According to CFPB HMDA 2024 application volume among U.S. counties, Scioto County ranks #877 of 3,210, and #39 of 88 in Ohio.
Mortgage lending activity in Scioto 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. Scioto County, Ohio saw 2,217 HMDA-reported mortgage applications in 2024. Lenders originated 1,030 of those loans and denied 535, producing a denial rate of 24.1% and an approval (origination) rate of 46.5%. The average loan amount was $129,294 at an average note rate of 7.43%, with applicants self-reporting average annual income of $36K. 131 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 Scioto County
In Scioto County, lead originator Desco Federal Credit Union funded only 9.5% of 1,030 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 26.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Scioto County's 2,217 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Scioto County's $129,294 average loan (deduped against volume peers).
Lenders active in Scioto County
Desco Federal Credit Union funded 98 of the 1,030 loans originated in Scioto County, 9.5% of the county. 131 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Desco Federal Credit Union | 98 | 9.5% |
| 2 | Us Bank, N.A. | 90 | 8.7% |
| 3 | Atomic Credit Union, INC | 85 | 8.3% |
| 4 | Fifth Third Bank, National Association | 78 | 7.6% |
| 5 | Rocket Mortgage | 76 | 7.4% |
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 Scioto 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 Scioto 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.