Lorain County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lorain County, OH distress report, 2026: 24 ZIPs scored in Lorain, OH, Lorain, OH average 17/100; the top Lorain, OH ZIP is 44001 at 19/100; Lorain, OH market phase peak, Lorain, OH prices +3.8% year over year.
- Lorain, OH ranks #2,905 nationally (opportunity index); Lorain, OH #69 in Ohio; Lorain, OH index 23.8.
- Lorain, OH ninety-day mortgage delinquency 1.2% in December 2025; Lorain, OH twelve-month change +0.3%.
- Lorain, OH ZIP phases: 23 peak, 1 expansion.
- Lorain, OH residential listings tracked: 45 across 15 ZIPs; Lorain, OH candidate listings 18.
- Lorain, OH HUD assisted properties: 17 with 1,540 units.
- Lorain, OH lenders on watch: 8; largest Lorain, OH footprint Huntington National Bank (13 branches).
- Lorain, OH most distressed ZIP: 44001 at 19/100.
Lorain, OH figures: DLRadar distress index; Lorain, OH inputs: CFPB, FHFA, HUD, FDIC; Lorain, OH rebuilt as sources refresh.
| Rank | Lorain, OH ZIP | Score |
|---|---|---|
| 1 | 44001 | 19/100 |
| 2 | 44011 | 19/100 |
| 3 | 44012 | 19/100 |
| 4 | 44028 | 19/100 |
| 5 | 44035 | 19/100 |
| 6 | 44039 | 19/100 |
| 7 | 44044 | 19/100 |
| 8 | 44049 | 19/100 |
| 9 | 44050 | 19/100 |
| 10 | 44052 | 19/100 |
| 11 | 44053 | 19/100 |
| 12 | 44054 | 19/100 |
Most distressed Lorain, OH ZIPs (0-100, 2026)
Mortgage delinquency in Lorain, OH
1.2% of Lorain, OH mortgages were ninety-plus days late (Lorain, OH, December 2025); Lorain, OH thirty-to-eighty-nine days late: 2.6%; Lorain, OH twelve-month change +0.3%; Lorain, OH peak since 2008: 4.6% (January 2010); Ohio overall 1.0%. Lorain, OH ninety-day series: Dec 24 0.9, Jan 25 1.0, Feb 25 1.1 (Lorain, OH), Mar 25 1.1, Apr 25 0.9, May 25 1.1 (Lorain, OH), Jun 25 1.2, Jul 25 1.1, Aug 25 1.0 (Lorain, OH), Sep 25 1.0, Oct 25 1.0, Nov 25 1.1 (Lorain, OH), Dec 25 1.2.
Opportunity index: Lorain, OH
Lorain, OH index 23.8, Lorain, OH phase weak; Lorain, OH primary driver bank institutional, Lorain, OH second driver vacancy. Lorain, OH components: property stress 9.1, foreclosure pressure 5.9, listing discounts 31.2, bank stress 61.4, insurance 0.0; Lorain, OH pulse 25.0; Lorain, OH capital opportunity 22.1; Lorain, OH seven-day change +0.3%.
ZIP market phases inside Lorain, OH
24 Lorain, OH ZIPs carry a price-cycle phase; Lorain, OH ZIPs by phase (Lorain, OH), deepest drawdown first: peak, +3.8% YoY (Lorain, OH): 44001, 44011, 44012, 44028, Lorain, OH 44035, 44039, 44044, 44049, Lorain, OH 44050, 44052, 44053, 44054, Lorain, OH 44055, 44074, 44090; expansion, +5.1% YoY (Lorain, OH): 44089.
Residential listings by Lorain, OH ZIP
Lorain, OH ZIPs with the most tracked Lorain, OH residential listings: 44035 9 listings, 5 candidates, bank pressure 65; 44052 8 listings, 3 candidates, bank pressure 65; 44055 6 listings, 0 candidates, bank pressure 65; 44039 5 listings, 1 candidates, bank pressure 65 (Lorain, OH); 44053 5 listings, 2 candidates, bank pressure 65; 44011 3 listings, 1 candidates, bank pressure 65; 44028 3 listings, 2 candidates, bank pressure 65; 44090 2 listings, 2 candidates, bank pressure 64. Lorain, OH totals: 45 listings; Lorain, OH candidates 18; active ZIPs 12.
HUD assisted housing in Lorain, OH
17 assisted properties with 1,540 units sit in Lorain, OH; largest Lorain, OH properties: Westway Gardens (Elyria) 300 units, 300 assisted; Kensington Square Apartments (Elyria) 192 units, 85 assisted; Beachpark Tower Apts (Avon Lake) 150 units, 150 assisted in Lorain, OH; Oberlin Manor (Lorain) 150 units, 150 assisted; Midview Crossing (Elyria) 138 units, 138 assisted; Marshall Plaza Apartments (Lorain) 87 units, 87 assisted.
Lenders with branches in Lorain, OH
Lorain, OH lenders by branch count: Huntington National Bank (Lorain, OH): stress 63, 13 branches low in Lorain, OH; Fifth Third Bank Na (Lorain, OH): stress 62, 7 branches low in Lorain, OH; Keybank National Assn (Lorain, OH): stress 65, 5 branches moderate in Lorain, OH; First Fs&La Of Lorain (Lorain, OH): stress 91, 4 branches moderate in Lorain, OH; Jpmorgan Chase Bank Na (Lorain, OH): stress 65, 4 branches low in Lorain, OH; First Fs&La Of Lakewood (Lorain, OH): stress 86, 3 branches low in Lorain, OH; U S Bank National Assn (Lorain, OH): stress 67, 3 branches low in Lorain, OH; Buckeye Community Bank (Lorain, OH): stress 67, 2 branches low in Lorain, OH.
Vacancy and permits, Lorain, OH
9,004 of 136,548 Lorain, OH housing units are vacant; Lorain, OH permits, twelve months: 443 multifamily units in Lorain, OH, 995 one-to-four unit units.
Work Lorain, OH at the parcel level
Every Lorain, OH parcel carries owner and address; every Lorain, OH parcel carries APN; Lorain, OH distress scores sit on the Lorain, OH live board.
Lorain, OH figures refresh with each source.
Lorain, OH questions
Most distressed ZIP code in Lorain County, OH?
ZIP 44001 leads Lorain, OH at 19/100; next in Lorain, OH: 44011 at 19/100; the Lorain, OH average is 17/100.
Where does Lorain County, OH rank for investment opportunity?
Lorain, OH is #2,905 among all ranked counties, #69 in Ohio; the Lorain, OH driver is bank institutional; Lorain, OH moved up 141 places.
How many mortgages are delinquent in Lorain County, OH?
1.2% of Lorain, OH mortgages were ninety-plus days late in December 2025; the Lorain, OH peak since 2008 was 4.6%.
Which banks lend in Lorain County, OH?
8 watched lenders hold Lorain, OH branches; the largest Lorain, OH footprints are Huntington National Bank (13), Fifth Third Bank Na (7), Keybank National Assn (5).
More on Lorain, OH
Lorain County, OH distress report: public-record figures for Lorain, OH; not legal advice for Lorain, OH; not tax or investment advice; verify every Lorain, OH record before acting.