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2024 data HMDA 2024 disclosure official source

Mahoning County

8,971 mortgage applications, 19.7% denial rate. Verify FIPS 39099 with U.S. Census Bureau →

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Ohio · FIPS 39099

Local mortgage market. Mahoning County, Ohio saw 8,971 HMDA-reported mortgage applications in 2024. Lenders originated 4,754 of those loans and denied 1,769, producing a denial rate of 19.7% and an approval (origination) rate of 53.0%. The average loan amount was $139,551 at an average note rate of 7.59%, with applicants self-reporting average annual income of $37K. 224 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 39099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,971
Applications
4,754
Originated
19.7%
Denial Rate
53.0%
Approval Rate
$139,551
Avg Loan Amount
7.59%
Avg Interest Rate
$37K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Mahoning 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 786 16.5%
2 Seven Seventeen Credit Union 418 8.8%
3 Premier Bank 301 6.3%
4 Farmers National Bank 272 5.7%
5 Rocket Mortgage 250 5.3%
Compare Huntington National Bank vs Seven Seventeen Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Mahoning County?
In the 2024 HMDA reporting year, 8,971 mortgage applications were filed in Mahoning County, Ohio. Of these, 4,754 were originated (approved and funded), while 1,769 were denied, resulting in a denial rate of 19.7%.
What is the mortgage denial rate in Mahoning County?
The mortgage denial rate in Mahoning County is 19.7%. The approval (origination) rate is 53.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Mahoning County?
The average mortgage loan amount in Mahoning County is $139,551. The average interest rate is 7.594%. The average applicant income is $37K.
What is the loan-to-income ratio in Mahoning County?
The average loan-to-income ratio in Mahoning County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Mahoning County?
The top mortgage lenders in Mahoning County by origination volume are Huntington National Bank, Seven Seventeen Credit Union, Premier Bank. In total, 224 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.