Athens County, Ohio
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Athens County, Ohio, saw 891 HMDA-reported applications and 532 originations ($95m) in 2024.
That is 23.1 originations per 1,000 households, against 50.6 for Ohio and 48.0 nationally.
The county's denial rate was 21.3%, below the state rate of 23.5%. The median rate spread on originated loans was 0.6 percentage points and 18.0% of originations were 1.5 points or more above the average prime offer rate.
7 lenders reached 25 applications in the county; the most active by originations were Peoples Bank (43), Union Home Mortgage Corp. (32) and Rocket Mortgage (31).
Originations were up 18% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Peoples Bank | 65 | 43 | $4.2m | 19.6% | — |
| 2 | Union Home Mortgage Corp. | 35 | 32 | $6.6m | 2.9% | — |
| 3 | Rocket Mortgage | 46 | 31 | $5.0m | 23.8% | — |
| 4 | The Park National Bank | 31 | 23 | $2.3m | 23.3% | — |
| 5 | The First National Bank of Mcconnelsville | 27 | 21 | $3.9m | 16.0% | — |
| 6 | Mortgage Research Center | 34 | 20 | $4.9m | 25.0% | — |
| 7 | Vanderbilt Mortgage and Finance, Inc | 33 | 7 | $1.0m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 7. Denial rate is denials over decided applications in this county.
Compared with Ohio and the nation
| Measure | This county | Ohio | United States |
|---|---|---|---|
| Denial rate | 21.3% | 23.5% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.0% | 17.7% | 15.6% |
| Average originated loan | $178k | $218k | $329k |
| Originations per 1,000 households | 23.1 | 50.6 | 48.0 |
| Home purchase share of originations | 67.1% | 51.7% | 57.0% |
| FHA-insured share | 13.9% | 12.3% | 13.4% |
| VA-guaranteed share | 9.2% | 5.9% | 7.9% |
Rate spread distribution
Share of 456 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Ohio). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 67% (357)Home improvement 8% (43)Refinancing 7% (35)Cash-out refinancing 10% (55)Other purpose 8% (42)
By type
Conventional 74% (395)FHA 14% (74)VA 9% (49)USDA 3% (14)
Trend by year
ApplicationsOriginations
This countyOhio
Questions and answers
Which lenders are most active in Athens County, OH?
By 2024 originations: Peoples Bank (43), Union Home Mortgage Corp. (32), Rocket Mortgage (31), The Park National Bank (23), The First National Bank of Mcconnelsville (21). 7 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Athens County?
21.3% of decided applications were denied in 2024, against 23.5% across Ohio and 24.3% nationally.
How many mortgages were originated in Athens County in 2024?
532 loans totalling $95m, from 891 applications; 23.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 39009; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.