Cuyahoga County
Ohio · FIPS 39035
According to CFPB HMDA 2024 application volume among U.S. counties, Cuyahoga County ranks #30 of 3,210, and #2 of 88 in Ohio.
Mortgage lending activity in Cuyahoga County, Ohio based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Cuyahoga County, Ohio saw 46,828 HMDA-reported mortgage applications in 2024. Lenders originated 24,083 of those loans and denied 9,233, producing a denial rate of 19.7% and an approval (origination) rate of 51.4%. The average loan amount was $192,043 at an average note rate of 7.47%, with applicants self-reporting average annual income of $37K. 480 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cuyahoga County
In Cuyahoga County, lead originator Huntington National Bank funded only 9.5% of 24,083 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cuyahoga County's 46,828 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cuyahoga County's $192,043 average loan (deduped against volume peers).
Lenders active in Cuyahoga County
Huntington National Bank funded 2,297 of the 24,083 loans originated in Cuyahoga County, 9.5% of the county. 480 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Huntington National Bank | 2,297 | 9.5% |
| 2 | Third Federal Savings and Loan | 1,998 | 8.3% |
| 3 | Crosscountry Mortgage, LLC | 1,697 | 7.0% |
| 4 | Rocket Mortgage | 1,576 | 6.5% |
| 5 | CBNA Year to Date | 1,097 | 4.6% |
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; does not constitute financial advice for Cuyahoga County borrowers.
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 Cuyahoga County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.