PlainLender
2024 data HMDA 2024 disclosure official source

Wood County

4,448 mortgage applications, 17.9% denial rate. Verify FIPS 39173 with U.S. Census Bureau →

PlainLender home → About this data

Ohio · FIPS 39173

Local mortgage market. Wood County, Ohio saw 4,448 HMDA-reported mortgage applications in 2024. Lenders originated 2,630 of those loans and denied 795, producing a denial rate of 17.9% and an approval (origination) rate of 59.1%. The average loan amount was $185,214 at an average note rate of 7.76%, with applicants self-reporting average annual income of $36K. 188 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 39173 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,448
Applications
2,630
Originated
17.9%
Denial Rate
59.1%
Approval Rate
$185,214
Avg Loan Amount
7.76%
Avg Interest Rate
$36K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Wood 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 Huntington National Bank 547 20.8%
2 Fifth Third Bank, National Association 158 6.0%
3 Rocket Mortgage 157 6.0%
4 Premier Bank 104 4.0%
5 Union Home Mortgage Corp. 103 3.9%
Compare Huntington National Bank vs Fifth Third Bank, National Association →

Frequently Asked Questions

How many mortgage applications were filed in Wood County?
In the 2024 HMDA reporting year, 4,448 mortgage applications were filed in Wood County, Ohio. Of these, 2,630 were originated (approved and funded), while 795 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Wood County?
The mortgage denial rate in Wood County is 17.9%. The approval (origination) rate is 59.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wood County?
The average mortgage loan amount in Wood County is $185,214. The average interest rate is 7.765%. The average applicant income is $36K.
What is the loan-to-income ratio in Wood County?
The average loan-to-income ratio in Wood County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wood County?
The top mortgage lenders in Wood County by origination volume are Huntington National Bank, Fifth Third Bank, National Association, Rocket Mortgage. In total, 188 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.