Mortgage lending in Madison County, Ohio
Lenders in Madison County, Ohio reported 2,102 mortgage applications for 2025, according to the CFPB.
2,102 mortgage applications and 1,276 loans originated in 2025; the denial rate was 20.2% of 1,702 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Columbus, OH HUD Metro FMR Area.
- 2,102
- Applications
- 1,276
- Loans originated
- 20.2%
- Denial rate
- 343 denied of 1,702 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,102 | 1,276 |
| 2024 | 1,907 | 1,130 |
| 2023 | 1,639 | 944 |
| 2022 | 2,180 | 1,301 |
| 2021 | 3,167 | 2,088 |
| 2020 | 2,973 | 2,012 |
| 2019 | 2,139 | 1,371 |
| 2018 | 1,943 | 1,239 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 119 | 201 |
| DHI Mortgage Company, LTD. | 105 | 145 |
| Vanderbilt Mortgage and Finance, Inc | 76 | 127 |
| Crosscountry Mortgage, LLC | 51 | 70 |
| Rocket Mortgage | 50 | 74 |
| United Wholesale Mortgage | 43 | 55 |
| NFM, Inc | 43 | 57 |
| Union Home Mortgage Corp. | 36 | 47 |
| Kemba Financial Credit Union | 35 | 53 |
| Fifth Third Bank, National Association | 35 | 64 |
| PNC Bank N.A. | 33 | 55 |
| Guaranteed Rate, Inc. | 26 | 42 |
| Union Savings Bank | 25 | 34 |
| M/I Financial. LLC | 25 | 30 |
| Third Federal Savings and Loan | 23 | 38 |
| 21ST Mortgage | 19 | 63 |
| Freedom Mortgage Corporation | 18 | 37 |
| Wright Patt Credit Union Inc | 18 | 44 |
| Lower, LLC | 18 | 24 |
| Pennymac Loan Services LLC | 18 | 29 |
| Mortgage Research Center | 17 | 28 |
| Merchants National Bank | 16 | 19 |
| Newrez LLC | 16 | 29 |
| First Financial Bank | 13 | 16 |
| German American Bank | 11 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 53 | no rate: base under 50 |
| Black or African American | 40 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,698 | 20.2% of 1,395 decided |
| 2 or more minority races | under 10 | |
| Joint | 42 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 251 | 16.2% of 192 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | 33.3% of 51 decided |
| Not Hispanic or Latino | 1,753 | 19.9% of 1,435 decided |
| Joint | 30 | no rate: base under 50 |
| Ethnicity Not Available | 253 | 18.8% of 192 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 728 | 24.1% of 593 decided |
| Female | 434 | 20.1% of 338 decided |
| Joint | 795 | 17.0% of 660 decided |
| Sex Not Available | 145 | 18.0% of 111 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. 917 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