Lending / county
Lucas, OH
FIPS 39095. In 2024, lenders decided 10,839 mortgage applications here and denied 2,625 of them (24.2%, against a national 24.3%). They originated 7,828 loans worth $1.2B, at a median loan of $125,000 and a median reported applicant income of $81,000. Among the 1,764 counties with 500 or more decisioned applications, this one ranks 190 by volume and 759 by denial rate.
Volume and denials, 2018 to 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files County of the property, as reported. The county universe is fixed on 2024: a county is on this page because it cleared 500 decisioned applications in 2024, and its earlier years are shown whatever their size. Methodology
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Denials as a share of decisioned applications, the same definition on both lines. Methodology
Denial rate by applicant group, 2024
On the 3,649 screened applications in this county: first-lien, owner-occupied, site-built, one-unit home purchases. These are raw rates. Here the Black rate is 10.5% and the White non-Hispanic rate 5.4%, a difference of 5.2 pp. That difference is not adjusted for debt load, leverage, product or income. Nationally, reweighting on those four accounts for 44.0% of the Black/White gap; see the standardization. A group with fewer than 100 screened applications shows its count and no rate.
| Applicant group | Screened apps | Denied | Denial rate |
|---|---|---|---|
| White, non-Hispanic | 2,456 | 132 | 5.4% |
| Race not available | 414 | 38 | 9.2% |
| Black or African American | 361 | 38 | 10.5% |
| White, Hispanic or Latino | 134 | 17 | 12.7% |
| White, ethnicity not reported | 127 | 11 | 8.7% |
| Asian | 70 | 8 | n/a |
| Joint (race) | 64 | 9 | n/a |
| American Indian or Alaska Native | 13 | 1 | n/a |
| Two or more minority races | 6 | 2 | n/a |
| Native Hawaiian or Pacific Islander | 4 | 0 | n/a |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Screened applications only, so these counts are smaller than the county's decisioned total. Race is reported on some applications and not others; the 'race not available' row is where it is not. Methodology
Why applications were denied, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Primary denial reason on the 2,625 denials in this county in 2024. The national distribution is on the denials page. Methodology
Who lends here, 2024
282 distinct institutions originated a loan in this county in 2024. The largest made 14.0% of them. Lenders are identified by Legal Entity Identifier: the public register does not carry the institution’s name.
| # | LEI | Originations here | Share of county |
|---|---|---|---|
| 1 | 2WHM8VNJH63UN14OL754 | 1,095 | 14.0% |
| 2 | QFROUN1UWUYU0DVIWD51 | 660 | 8.4% |
| 3 | 549300FGXN1K3HLB1R50 | 464 | 5.9% |
| 4 | 549300RPOGWJRH63HS39 | 425 | 5.4% |
| 5 | DRMSV1Q0EKMEXLAU1P80 | 309 | 3.9% |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files The largest originators in this county, 5 shown. A lender page exists only for the 300 largest reporters nationally; the others are printed as plain identifiers, not as links to pages that do not exist. Methodology
Product mix, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Shares of this county's 7,828 originations in 2024. Nationally, FHA-insured loans were 13.4% of originations. Median contract rate here: 7.13%, national 6.88%. Methodology