Portage Community Bank
Portage Community Bank received 314 applications in 2025 and made 264 mortgages, in 22 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $195,000. Of 285 decisions, 17 were denials — 6.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005LKELKKRLTQA25 |
|---|---|
| Applications received | 314 |
| Mortgages made | 264 |
| Denied | 17 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.243 points |
| FDIC-insured bank | Yes: Portage Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 221 | 6.500% | $205,000 | 2.6% |
| Refinancing | 17 | 7.000% | $215,000 | 19.1% |
| Cash-out refinancing | 11 | 6.750% | $195,000 | 31.3% |
| Other purposes | 15 | 7.000% | $75,000 | 11.8% |
Where Portage Community Bank lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Portage County, OH | 128 | 6.625% | 8.5% |
| Summit County, OH | 73 | 6.625% | 3.9% |
| Stark County, OH | 23 | 6.500% | 4.0% |
| Mahoning County, OH | 9 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 6 | Under 10 loans | 0.0% |
| Geauga County, OH | 4 | Under 10 loans | 0.0% |
| Ashtabula County, OH | 3 | Under 10 loans | 0.0% |
| Medina County, OH | 3 | Under 10 loans | 0.0% |
| Trumbull County, OH | 3 | Under 10 loans | 25.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, OH | 1 | Under 10 loans | 0.0% |
| Columbiana County, OH | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Madison County, OH | 1 | Under 10 loans | 0.0% |
| Noble County, OH | 1 | Under 10 loans | 0.0% |
| Sandusky County, OH | 1 | Under 10 loans | 0.0% |
| Seneca County, OH | 1 | Under 10 loans | 0.0% |
| Tuscarawas County, OH | 1 | Under 10 loans | 0.0% |
| Wayne County, OH | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.