Mortgage lending in Lake County, Ohio
Lenders in Lake County, Ohio reported 10,372 mortgage applications for 2025, according to the CFPB.
10,372 mortgage applications and 6,379 loans originated in 2025; the denial rate was 21.0% of 8,461 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Cleveland, OH HUD Metro FMR Area.
- 10,372
- Applications
- 6,379
- Loans originated
- 21.0%
- Denial rate
- 1,777 denied of 8,461 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,372 | 6,379 |
| 2024 | 9,040 | 5,546 |
| 2023 | 8,339 | 5,135 |
| 2022 | 11,836 | 7,398 |
| 2021 | 18,352 | 12,330 |
| 2020 | 16,408 | 10,970 |
| 2019 | 11,759 | 7,738 |
| 2018 | 10,837 | 7,037 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 800 | 1,348 |
| Crosscountry Mortgage, LLC | 680 | 881 |
| Third Federal Savings and Loan | 484 | 703 |
| Rocket Mortgage | 480 | 656 |
| Citizens Bank, NA | 340 | 532 |
| Fifth Third Bank, National Association | 219 | 382 |
| PNC Bank N.A. | 193 | 309 |
| United Wholesale Mortgage | 191 | 267 |
| JPMorgan Chase Bank, NA | 131 | 196 |
| Dollar Bank, FSB | 125 | 186 |
| Union Home Mortgage Corp. | 115 | 141 |
| Howard Hanna Financial Services, Inc | 111 | 127 |
| Synergy One Lending, Inc. | 99 | 143 |
| NVR Mortgage Finance, Inc. | 97 | 129 |
| First National Bank of PA | 97 | 133 |
| Cardinal Credit Union, Inc | 79 | 227 |
| Mortgage Research Center | 76 | 156 |
| First Federal S&L of Lakewood | 73 | 109 |
| US Bank, N.A. | 71 | 162 |
| Guaranteed Rate, Inc. | 68 | 107 |
| Liberty Home Mortgage Corp | 64 | 86 |
| Keybank National Association | 63 | 111 |
| Pennymac Loan Services LLC | 63 | 113 |
| Ruoff Mortgage Company | 57 | 70 |
| Freedom Mortgage Corporation | 56 | 136 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 28 | no rate: base under 50 |
| Asian | 119 | 21.1% of 95 decided |
| Black or African American | 312 | 33.3% of 258 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 8,450 | 20.0% of 6,997 decided |
| 2 or more minority races | withheld | |
| Joint | 129 | 20.8% of 96 decided |
| Race Not Available | 1,316 | 24.3% of 979 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 323 | 26.3% of 262 decided |
| Not Hispanic or Latino | 8,608 | 20.3% of 7,114 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,310 | 25.5% of 983 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,822 | 21.8% of 3,105 decided |
| Female | 2,550 | 24.8% of 2,087 decided |
| Joint | 3,228 | 16.3% of 2,708 decided |
| Sex Not Available | 772 | 25.7% of 561 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1621 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved