Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Mahoning County, Ohio
Every institution that decided a 1–4 unit mortgage application in Mahoning County, home to Youngstown, between 2023 and 2025: 17,453 applications, 12,852 loans actually funded, across 8 kinds of borrowing.
Mahoning County at a glance
17,453Applications decided
2023–2025
12,852Loans funded
74% of decisions
75Census tracts
25 ZIP codes
227,063People
ACS 2023
What the data shows
The typical purchase mortgage here is $155K.
Investment home improvement is the hardest money to get here: lenders approved 42% of 116 applications.
Lending by loan type in Mahoning County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.4% | 6,929 | $155K | 97% | 255 |
| Home improvement loans | 61.6% | 3,805 | $65K | 93% | 85 |
| Cash-out refinance | 66.9% | 2,937 | $105K | 96% | 133 |
| Refinance | 70.6% | 2,405 | $105K | 95% | 118 |
| Investment property purchase | 90.1% | 832 | $85K | 97% | 118 |
| Investment cash-out refinance | 71.3% | 254 | $105K | 94% | 65 |
| Investment refinance | 82.9% | 175 | $55K | 96% | 34 |
| Investment home improvement | 42.2% | 116 | $65K | 92% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.