Mortgage lending in Richland County, Ohio
Lenders in Richland County, Ohio reported 4,457 mortgage applications for 2025, according to the CFPB.
4,457 mortgage applications and 2,689 loans originated in 2025; the denial rate was 21.4% of 3,656 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Mansfield, OH MSA.
- 4,457
- Applications
- 2,689
- Loans originated
- 21.4%
- Denial rate
- 781 denied of 3,656 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,457 | 2,689 |
| 2024 | 4,005 | 2,422 |
| 2023 | 3,613 | 2,175 |
| 2022 | 4,827 | 3,035 |
| 2021 | 6,378 | 4,200 |
| 2020 | 5,479 | 3,790 |
| 2019 | 4,283 | 2,758 |
| 2018 | 4,110 | 2,597 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mechanics Bank | 365 | 458 |
| The Park National Bank | 267 | 372 |
| Huntington National Bank | 203 | 348 |
| Rocket Mortgage | 191 | 277 |
| Crosscountry Mortgage, LLC | 151 | 219 |
| Fairway Independent Mort Corp | 148 | 175 |
| Directions Credit Union | 113 | 162 |
| Union Home Mortgage Corp. | 101 | 143 |
| loanDepot.com LLC | 77 | 112 |
| United Wholesale Mortgage | 71 | 111 |
| Mortgage Research Center | 59 | 120 |
| JPMorgan Chase Bank, NA | 39 | 73 |
| Freedom Mortgage Corporation | 34 | 64 |
| Navy Federal Credit Union | 26 | 54 |
| Kiavi Funding, Inc. | 25 | 48 |
| Nationstar Mortgage | 25 | 38 |
| Coastal Community Bank | 24 | 64 |
| US Bank, N.A. | 23 | 54 |
| PNC Bank N.A. | 23 | 42 |
| First Federal Bank of Ohio | 22 | 30 |
| Civista Bank | 22 | 35 |
| Lower, LLC | 22 | 35 |
| 21ST Mortgage | 21 | 67 |
| Amerisave Mortgage Company | 21 | 63 |
| Pennymac Loan Services LLC | 21 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 38 | no rate: base under 50 |
| Black or African American | 176 | 28.5% of 130 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,510 | 20.1% of 2,918 decided |
| 2 or more minority races | under 10 | |
| Joint | 47 | no rate: base under 50 |
| Race Not Available | 664 | 24.9% of 517 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | no rate: base under 50 |
| Not Hispanic or Latino | 3,623 | 20.9% of 3,011 decided |
| Joint | withheld | |
| Ethnicity Not Available | 724 | 24.2% of 562 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,692 | 22.6% of 1,401 decided |
| Female | 963 | 24.0% of 759 decided |
| Joint | 1,339 | 18.0% of 1,144 decided |
| Sex Not Available | 463 | 21.9% of 352 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. 2245 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