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2024 data HMDA 2024 disclosure official source

Geauga County

3,917 mortgage applications, 18.5% denial rate. Verify FIPS 39055 with U.S. Census Bureau →

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Ohio · FIPS 39055

Local mortgage market. Geauga County, Ohio saw 3,917 HMDA-reported mortgage applications in 2024. Lenders originated 2,235 of those loans and denied 724, producing a denial rate of 18.5% and an approval (origination) rate of 57.1%. The average loan amount was $221,137 at an average note rate of 7.75%, with applicants self-reporting average annual income of $37K. 166 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 39055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,917
Applications
2,235
Originated
18.5%
Denial Rate
57.1%
Approval Rate
$221,137
Avg Loan Amount
7.75%
Avg Interest Rate
$37K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Geauga 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 472 21.1%
2 The Middlefield Banking Company 196 8.8%
3 Third Federal Savings and Loan 147 6.6%
4 Rocket Mortgage 119 5.3%
5 Crosscountry Mortgage, LLC 110 4.9%
Compare Huntington National Bank vs The Middlefield Banking Company →

Frequently Asked Questions

How many mortgage applications were filed in Geauga County?
In the 2024 HMDA reporting year, 3,917 mortgage applications were filed in Geauga County, Ohio. Of these, 2,235 were originated (approved and funded), while 724 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Geauga County?
The mortgage denial rate in Geauga County is 18.5%. The approval (origination) rate is 57.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Geauga County?
The average mortgage loan amount in Geauga County is $221,137. The average interest rate is 7.751%. The average applicant income is $37K.
What is the loan-to-income ratio in Geauga County?
The average loan-to-income ratio in Geauga County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Geauga County?
The top mortgage lenders in Geauga County by origination volume are Huntington National Bank, The Middlefield Banking Company, Third Federal Savings and Loan. In total, 166 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.