Sandusky County
Ohio · FIPS 39143
According to CFPB HMDA 2024 application volume among U.S. counties, Sandusky County ranks #1,082 of 3,223, and #51 of 88 in Ohio.
Mortgage lending activity in Sandusky 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. Sandusky County, Ohio lenders denied 292 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $36K. 115 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sandusky County
In Sandusky County, lead originator Fremont Federal Credit Union funded 15.7% of 893 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Sandusky County's 1,587 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sandusky County's $136,601 average loan (deduped against volume peers).
Lenders active in Sandusky County
Fremont Federal Credit Union funded 140 of the 893 loans originated in Sandusky County, 15.7% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Fremont Federal Credit Union | 140 | 15.7% |
| 2 | Rocket Mortgage | 88 | 9.9% |
| 3 | Huntington National Bank | 74 | 8.3% |
| 4 | Croghan Colonial Bank | 46 | 5.2% |
| 5 | Loandepot.Com, LLC | 39 | 4.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sandusky County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Sandusky County borrowers. 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.