Mortgage lending in Ottawa County, Ohio
Lenders in Ottawa County, Ohio reported 1,722 mortgage applications for 2025, according to the CFPB.
1,722 mortgage applications and 1,095 loans originated in 2025; the denial rate was 19.0% of 1,413 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Ottawa County, OH HUD Metro FMR Area.
- 1,722
- Applications
- 1,095
- Loans originated
- 19.0%
- Denial rate
- 269 denied of 1,413 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,722 | 1,095 |
| 2024 | 1,574 | 992 |
| 2023 | 1,550 | 996 |
| 2022 | 2,048 | 1,332 |
| 2021 | 3,293 | 2,203 |
| 2020 | 3,202 | 2,208 |
| 2019 | 2,152 | 1,412 |
| 2018 | 1,969 | 1,237 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 191 | 293 |
| Rocket Mortgage | 85 | 109 |
| The Genoa Banking Company | 81 | 104 |
| Civista Bank | 43 | 50 |
| Fremont Federal Credit Union | 38 | 38 |
| Fifth Third Bank, National Association | 33 | 59 |
| Wesbanco Bank, Inc. | 32 | 43 |
| loanDepot.com LLC | 30 | 47 |
| US Bank, N.A. | 30 | 44 |
| Union Home Mortgage Corp. | 29 | 38 |
| Croghan Colonial Bank | 28 | 43 |
| Sun Federal Credit Union | 26 | 29 |
| United Wholesale Mortgage | 21 | 35 |
| Crosscountry Mortgage, LLC | 21 | 32 |
| PNC Bank N.A. | 15 | 27 |
| Citizens Bank, NA | 15 | 24 |
| Keybank National Association | 15 | 33 |
| Howard Hanna Financial Services, Inc | 13 | 16 |
| Mortgage Research Center | 12 | 27 |
| Directions Credit Union | 9 | 13 |
| Click n' Close, Inc. | 9 | 12 |
| Third Federal Savings and Loan | 9 | 17 |
| Pennymac Loan Services LLC | 9 | 20 |
| Ag Credit, ACA | 8 | 8 |
| First Federal Savings & Loan Association of Lorain | 8 | 12 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | withheld | |
| Black or African American | 13 | no rate: base under 50 |
| White | 1,501 | 18.1% of 1,234 decided |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 182 | 24.3% of 144 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 39 | no rate: base under 50 |
| Not Hispanic or Latino | 1,450 | 18.2% of 1,202 decided |
| Joint | 23 | no rate: base under 50 |
| Ethnicity Not Available | 210 | 24.4% of 164 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 664 | 22.9% of 551 decided |
| Female | 305 | 19.7% of 249 decided |
| Joint | 638 | 14.0% of 527 decided |
| Sex Not Available | 115 | 23.3% of 86 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. 1460 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