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2024 data HMDA 2024 disclosure official source

Scioto County

2,217 mortgage applications, 24.1% denial rate. Verify FIPS 39145 with U.S. Census Bureau →

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Ohio · FIPS 39145

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.

FIPS 39145 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,217
Applications
1,030
Originated
24.1%
Denial Rate
46.5%
Approval Rate
$129,294
Avg Loan Amount
7.43%
Avg Interest Rate
$36K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Scioto 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 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%
Compare Desco Federal Credit Union vs Us Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Scioto County?
In the 2024 HMDA reporting year, 2,217 mortgage applications were filed in Scioto County, Ohio. Of these, 1,030 were originated (approved and funded), while 535 were denied, resulting in a denial rate of 24.1%.
What is the mortgage denial rate in Scioto County?
The mortgage denial rate in Scioto County is 24.1%. The approval (origination) rate is 46.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Scioto County?
The average mortgage loan amount in Scioto County is $129,294. The average interest rate is 7.428%. The average applicant income is $36K.
What is the loan-to-income ratio in Scioto County?
The average loan-to-income ratio in Scioto County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Scioto County?
The top mortgage lenders in Scioto County by origination volume are Desco Federal Credit Union, Us Bank, N.A., Atomic Credit Union, INC. In total, 131 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.