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2024 data HMDA 2024 disclosure official source

Ashtabula County

3,467 mortgage applications, 21.8% denial rate. Verify FIPS 39007 with U.S. Census Bureau →

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Ohio · FIPS 39007

Local mortgage market. Ashtabula County, Ohio saw 3,467 HMDA-reported mortgage applications in 2024. Lenders originated 1,749 of those loans and denied 754, producing a denial rate of 21.8% and an approval (origination) rate of 50.4%. The average loan amount was $137,818 at an average note rate of 7.63%, with applicants self-reporting average annual income of $37K. 163 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 39007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,467
Applications
1,749
Originated
21.8%
Denial Rate
50.4%
Approval Rate
$137,818
Avg Loan Amount
7.63%
Avg Interest Rate
$37K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Ashtabula County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Huntington National Bank 404 23.1%
2 Rocket Mortgage 133 7.6%
3 Crosscountry Mortgage, LLC 129 7.4%
4 The Middlefield Banking Company 120 6.9%
5 The Andover Bank 95 5.4%
Compare Huntington National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Ashtabula County?
In the 2024 HMDA reporting year, 3,467 mortgage applications were filed in Ashtabula County, Ohio. Of these, 1,749 were originated (approved and funded), while 754 were denied, resulting in a denial rate of 21.8%.
What is the mortgage denial rate in Ashtabula County?
The mortgage denial rate in Ashtabula County is 21.8%. The approval (origination) rate is 50.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ashtabula County?
The average mortgage loan amount in Ashtabula County is $137,818. The average interest rate is 7.634%. The average applicant income is $37K.
What is the loan-to-income ratio in Ashtabula County?
The average loan-to-income ratio in Ashtabula County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ashtabula County?
The top mortgage lenders in Ashtabula County by origination volume are Huntington National Bank, Rocket Mortgage, Crosscountry Mortgage, LLC. In total, 163 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.