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2024 data HMDA 2024 disclosure official source

Portage County

5,741 mortgage applications, 17.8% denial rate. Verify FIPS 39133 with U.S. Census Bureau →

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Ohio · FIPS 39133

Local mortgage market. Portage County, Ohio saw 5,741 HMDA-reported mortgage applications in 2024. Lenders originated 3,120 of those loans and denied 1,023, producing a denial rate of 17.8% and an approval (origination) rate of 54.3%. The average loan amount was $194,326 at an average note rate of 7.68%, with applicants self-reporting average annual income of $37K. 218 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 39133 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,741
Applications
3,120
Originated
17.8%
Denial Rate
54.3%
Approval Rate
$194,326
Avg Loan Amount
7.68%
Avg Interest Rate
$37K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Portage 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 504 16.2%
2 Rocket Mortgage 217 7.0%
3 Crosscountry Mortgage, LLC 186 6.0%
4 Seven Seventeen Credit Union 166 5.3%
5 Third Federal Savings and Loan 139 4.5%
Compare Huntington National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Portage County?
In the 2024 HMDA reporting year, 5,741 mortgage applications were filed in Portage County, Ohio. Of these, 3,120 were originated (approved and funded), while 1,023 were denied, resulting in a denial rate of 17.8%.
What is the mortgage denial rate in Portage County?
The mortgage denial rate in Portage County is 17.8%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Portage County?
The average mortgage loan amount in Portage County is $194,326. The average interest rate is 7.680%. The average applicant income is $37K.
What is the loan-to-income ratio in Portage County?
The average loan-to-income ratio in Portage County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Portage County?
The top mortgage lenders in Portage County by origination volume are Huntington National Bank, Rocket Mortgage, Crosscountry Mortgage, LLC. In total, 218 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.