Scioto 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.
Scioto County, Ohio, saw 2,041 HMDA-reported applications and 1,030 originations ($143m) in 2024.
That is 35.7 originations per 1,000 households, against 50.6 for Ohio and 48.0 nationally.
The county's denial rate was 32.8%, above the state rate of 23.5%. The median rate spread on originated loans was 0.7 percentage points and 22.4% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Desco Federal Credit Union (98), Us Bank, N.A. (90) and Atomic Credit Union, Inc (85).
Originations were up 6% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Desco Federal Credit Union | 158 | 98 | $11m | 23.2% | — |
| 2 | Us Bank, N.A. | 161 | 90 | $13m | 32.8% | — |
| 3 | Atomic Credit Union, Inc | 128 | 85 | $9.8m | 26.7% | — |
| 4 | Fifth Third Bank, National Association | 144 | 78 | $7.9m | 35.8% | — |
| 5 | Rocket Mortgage | 115 | 76 | $11m | 25.7% | — |
| 6 | Peoples Bank | 100 | 73 | $6.9m | 21.6% | — |
| 7 | CBNA Year to Date | 76 | 41 | $4.2m | 38.6% | — |
| 8 | Wesbanco Bank, Inc. | 56 | 41 | $5.1m | 16.3% | — |
| 9 | Guaranteed Rate, Inc. | 78 | 36 | $5.6m | 22.9% | — |
| 10 | Mortgage Research Center | 56 | 31 | $5.9m | 22.5% | — |
| 11 | Vanderbilt Mortgage and Finance, Inc | 149 | 28 | $3.3m | 54.3% | — |
| 12 | Bayshore Mortgage Funding | 31 | 22 | $3.2m | 12.0% | — |
| 13 | PNC Bank N.A. | 48 | 21 | $2.2m | 45.0% | — |
| 14 | Discover Bank | 41 | 5 | $305k | 84.4% | — |
| 15 | Triad Financial Services, Inc. | 38 | 1 | $65k | 71.1% | — |
| 16 | Credit Human Federal Credit Un | 35 | 1 | $85k | 91.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Ohio and the nation
| Measure | This county | Ohio | United States |
|---|---|---|---|
| Denial rate | 32.8% | 23.5% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.4% | 17.7% | 15.6% |
| Average originated loan | $139k | $218k | $329k |
| Originations per 1,000 households | 35.7 | 50.6 | 48.0 |
| Home purchase share of originations | 53.2% | 51.7% | 57.0% |
| FHA-insured share | 17.4% | 12.3% | 13.4% |
| VA-guaranteed share | 7.6% | 5.9% | 7.9% |
Rate spread distribution
Share of 884 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 53% (548)Home improvement 11% (112)Refinancing 9% (97)Cash-out refinancing 15% (156)Other purpose 11% (117)
By type
Conventional 72% (741)FHA 17% (179)VA 8% (78)USDA 3% (32)
Trend by year
ApplicationsOriginations
This countyOhio
Questions and answers
Which lenders are most active in Scioto County, OH?
By 2024 originations: Desco Federal Credit Union (98), Us Bank, N.A. (90), Atomic Credit Union, Inc (85), Fifth Third Bank, National Association (78), Rocket Mortgage (76). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Scioto County?
32.8% of decided applications were denied in 2024, against 23.5% across Ohio and 24.3% nationally.
How many mortgages were originated in Scioto County in 2024?
1,030 loans totalling $143m, from 2,041 applications; 35.7 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 39145; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.