Mortgage lending in Hamilton County, Ohio
Lenders in Hamilton County, Ohio reported 31,885 mortgage applications for 2025, according to the CFPB.
31,885 mortgage applications and 19,310 loans originated in 2025; the denial rate was 20.5% of 25,511 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 31,885
- Applications
- 19,310
- Loans originated
- 20.5%
- Denial rate
- 5,222 denied of 25,511 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 31,885 | 19,310 |
| 2024 | 28,949 | 17,218 |
| 2023 | 25,815 | 15,722 |
| 2022 | 36,820 | 23,297 |
| 2021 | 57,469 | 37,910 |
| 2020 | 53,944 | 35,626 |
| 2019 | 36,767 | 23,632 |
| 2018 | 33,412 | 20,757 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fifth Third Bank, National Association | 1,606 | 2,888 |
| Union Savings Bank | 961 | 1,170 |
| United Wholesale Mortgage | 946 | 1,268 |
| Huntington National Bank | 838 | 1,478 |
| Rocket Mortgage | 829 | 1,169 |
| PNC Bank N.A. | 629 | 1,059 |
| Crosscountry Mortgage, LLC | 558 | 800 |
| First Financial Bank | 532 | 855 |
| Third Federal Savings and Loan | 527 | 802 |
| US Bank, N.A. | 527 | 1,140 |
| Union Home Mortgage Corp. | 417 | 562 |
| Guardian Savings Bank | 377 | 517 |
| North Side Bank & Trust Company | 312 | 389 |
| General Electric Credit Union | 311 | 495 |
| Kemba Credit Union | 279 | 411 |
| First Community Mortgage, Inc. | 278 | 371 |
| Cinfed Federal Credit Union | 276 | 393 |
| Guaranteed Rate, Inc. | 254 | 423 |
| LCNB National Bank | 244 | 296 |
| Kiavi Funding, Inc. | 216 | 416 |
| Guaranteed Rate Affinity, LLC | 209 | 329 |
| JPMorgan Chase Bank, NA | 194 | 332 |
| Superior Credit Union, Inc. | 183 | 285 |
| American Neighborhood Mortgage Acceptance Company | 176 | 270 |
| Newrez LLC | 172 | 417 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 95 | 32.0% of 78 decided |
| Asian | 792 | 19.2% of 605 decided |
| Black or African American | 5,083 | 35.1% of 3,952 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 19,891 | 16.5% of 16,407 decided |
| 2 or more minority races | 81 | 38.0% of 50 decided |
| Joint | 534 | 16.4% of 421 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 5,368 | 22.1% of 3,965 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 980 | 25.9% of 750 decided |
| Not Hispanic or Latino | 25,047 | 20.0% of 20,367 decided |
| Joint | withheld | |
| Ethnicity Not Available | 5,458 | 21.9% of 4,067 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,759 | 23.0% of 8,506 decided |
| Female | 8,445 | 24.7% of 6,790 decided |
| Joint | 9,114 | 13.8% of 7,625 decided |
| Sex Not Available | 3,567 | 20.6% of 2,590 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1177 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved