Mortgage lending in Lorain County, Ohio
Lenders in Lorain County, Ohio reported 14,434 mortgage applications for 2025, according to the CFPB.
14,434 mortgage applications and 8,820 loans originated in 2025; the denial rate was 21.5% of 11,775 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 housing hub: Cleveland, OH HUD Metro FMR Area.
- 14,434
- Applications
- 8,820
- Loans originated
- 21.5%
- Denial rate
- 2,531 denied of 11,775 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 14,434 | 8,820 |
| 2024 | 12,619 | 7,578 |
| 2023 | 11,728 | 7,041 |
| 2022 | 15,677 | 9,738 |
| 2021 | 22,836 | 15,220 |
| 2020 | 20,849 | 13,881 |
| 2019 | 15,159 | 9,997 |
| 2018 | 13,478 | 8,537 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 1,054 | 1,807 |
| Rocket Mortgage | 696 | 914 |
| Third Federal Savings and Loan | 603 | 868 |
| Crosscountry Mortgage, LLC | 481 | 687 |
| Fifth Third Bank, National Association | 460 | 790 |
| NVR Mortgage Finance, Inc. | 301 | 370 |
| United Wholesale Mortgage | 298 | 414 |
| PNC Bank N.A. | 229 | 360 |
| Citizens Bank, NA | 219 | 355 |
| Dollar Bank, FSB | 199 | 274 |
| Pulte Mortgage LLC | 181 | 240 |
| Union Home Mortgage Corp. | 178 | 211 |
| Ruoff Mortgage Company | 172 | 205 |
| Northwest Bank | 134 | 213 |
| Howard Hanna Financial Services, Inc | 120 | 133 |
| Pennymac Loan Services LLC | 118 | 235 |
| First National Bank of PA | 115 | 156 |
| First Federal S&L of Lakewood | 103 | 157 |
| Keybank National Association | 97 | 171 |
| Mortgage Research Center | 96 | 194 |
| loanDepot.com LLC | 92 | 157 |
| US Bank, N.A. | 92 | 184 |
| Northern Mortgage Services, LLC | 91 | 106 |
| JPMorgan Chase Bank, NA | 90 | 144 |
| Freedom Mortgage Corporation | 81 | 172 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 70 | 37.0% of 54 decided |
| Asian | 273 | 18.6% of 215 decided |
| Black or African American | 599 | 33.4% of 470 decided |
| Native Hawaiian or Other Pacific Islander | 20 | no rate: base under 50 |
| White | 11,004 | 20.5% of 9,265 decided |
| 2 or more minority races | 16 | no rate: base under 50 |
| Joint | 195 | 20.0% of 170 decided |
| Race Not Available | 2,257 | 23.6% of 1,570 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 836 | 26.6% of 685 decided |
| Not Hispanic or Latino | 11,150 | 20.8% of 9,354 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,165 | 23.5% of 1,487 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,209 | 23.6% of 4,264 decided |
| Female | 3,286 | 25.5% of 2,728 decided |
| Joint | 4,609 | 16.2% of 3,921 decided |
| Sex Not Available | 1,330 | 22.6% of 862 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. 1622 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