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Sandusky County, Ohio
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,447 mortgage applications in Sandusky County, Ohio, for 2024, and originated 892 loans worth $131m.
That is 36.1 originations per 1,000 households, against 50.6 for Ohio and 48.0 nationally.
The county's denial rate was 23.8%, close to the state rate of 23.5%. The median rate spread on originated loans was 0.5 percentage points and 17.1% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Fremont Federal Credit Union (140), Rocket Mortgage (88) and Huntington National Bank (74).
Originations were up 11% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Fremont Federal Credit Union | 148 | 140 | $18m | 0.7% | — |
| 2 | Rocket Mortgage | 118 | 88 | $13m | 20.0% | — |
| 3 | Huntington National Bank | 154 | 74 | $8.7m | 39.5% | — |
| 4 | Croghan Colonial Bank | 67 | 46 | $7.0m | 9.6% | — |
| 5 | Loandepot.com, LLC | 57 | 39 | $5.8m | 20.4% | — |
| 6 | Fifth Third Bank, National Association | 54 | 29 | $3.9m | 34.0% | — |
| 7 | The Genoa Banking Company | 33 | 26 | $4.5m | 6.9% | — |
| 8 | Union Home Mortgage Corp. | 29 | 23 | $3.4m | — | — |
| 9 | Mortgage Research Center | 41 | 22 | $4.3m | 27.3% | — |
| 10 | Premier Bank | 36 | 20 | $2.2m | 33.3% | — |
| 11 | Union Capital Mortgage Corp | 25 | 20 | $3.2m | — | — |
| 12 | Us Bank, N.A. | 47 | 18 | $2.1m | 57.1% | — |
| 13 | Crosscountry Mortgage, LLC | 25 | 16 | $2.6m | — | — |
| 14 | Amerisave Mortgage Company | 26 | 4 | $330k | — | — |
| 15 | Discover Bank | 32 | 3 | $175k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Ohio and the nation
| Measure | This county | Ohio | United States |
|---|---|---|---|
| Denial rate | 23.8% | 23.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.1% | 17.7% | 15.6% |
| Average originated loan | $146k | $218k | $329k |
| Originations per 1,000 households | 36.1 | 50.6 | 48.0 |
| Home purchase share of originations | 62.3% | 51.7% | 57.0% |
| FHA-insured share | 14.9% | 12.3% | 13.4% |
| VA-guaranteed share | 7.4% | 5.9% | 7.9% |
Rate spread distribution
Share of 760 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Ohio). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 62% (556)Home improvement 8% (67)Refinancing 9% (79)Cash-out refinancing 15% (136)Other purpose 6% (54)
By type
Conventional 77% (686)FHA 15% (133)VA 7% (66)USDA 1% (7)
Trend by year
ApplicationsOriginations
This countyOhio
Questions and answers
Which lenders are most active in Sandusky County, OH?
By 2024 originations: Fremont Federal Credit Union (140), Rocket Mortgage (88), Huntington National Bank (74), Croghan Colonial Bank (46), Loandepot.com, LLC (39). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Sandusky County?
23.8% of decided applications were denied in 2024, against 23.5% across Ohio and 24.3% nationally.
How many mortgages were originated in Sandusky County in 2024?
892 loans totalling $131m, from 1,447 applications; 36.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 39143; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.