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2024 data HMDA 2024 disclosure official source

Trumbull County

7,664 mortgage applications, 20.3% denial rate. Verify FIPS 39155 with U.S. Census Bureau →

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Ohio · FIPS 39155

Local mortgage market. Trumbull County, Ohio saw 7,664 HMDA-reported mortgage applications in 2024. Lenders originated 3,998 of those loans and denied 1,553, producing a denial rate of 20.3% and an approval (origination) rate of 52.2%. The average loan amount was $127,430 at an average note rate of 7.65%, with applicants self-reporting average annual income of $37K. 192 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 39155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

7,664
Applications
3,998
Originated
20.3%
Denial Rate
52.2%
Approval Rate
$127,430
Avg Loan Amount
7.65%
Avg Interest Rate
$37K
Avg Applicant Income
3.4x
Loan-to-Income Ratio

Nearby Lenders in Trumbull 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 Seven Seventeen Credit Union 730 18.3%
2 Huntington National Bank 540 13.5%
3 Ixonia Bank 460 11.5%
4 Rocket Mortgage 253 6.3%
5 Farmers National Bank 206 5.2%
Compare Seven Seventeen Credit Union vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Trumbull County?
In the 2024 HMDA reporting year, 7,664 mortgage applications were filed in Trumbull County, Ohio. Of these, 3,998 were originated (approved and funded), while 1,553 were denied, resulting in a denial rate of 20.3%.
What is the mortgage denial rate in Trumbull County?
The mortgage denial rate in Trumbull County is 20.3%. The approval (origination) rate is 52.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Trumbull County?
The average mortgage loan amount in Trumbull County is $127,430. The average interest rate is 7.648%. The average applicant income is $37K.
What is the loan-to-income ratio in Trumbull County?
The average loan-to-income ratio in Trumbull County is 3.4x, meaning borrowers took on loans averaging 3.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Trumbull County?
The top mortgage lenders in Trumbull County by origination volume are Seven Seventeen Credit Union, Huntington National Bank, Ixonia Bank. In total, 192 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.