Mortgage lending in Miami County, Ohio
Lenders in Miami County, Ohio reported 4,905 mortgage applications for 2025, according to the CFPB.
4,905 mortgage applications and 2,995 loans originated in 2025; the denial rate was 21.4% of 4,056 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Dayton-Kettering-Beavercreek, OH MSA.
- 4,905
- Applications
- 2,995
- Loans originated
- 21.4%
- Denial rate
- 866 denied of 4,056 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,905 | 2,995 |
| 2024 | 4,106 | 2,628 |
| 2023 | 4,021 | 2,583 |
| 2022 | 5,460 | 3,584 |
| 2021 | 8,255 | 5,647 |
| 2020 | 7,588 | 5,130 |
| 2019 | 5,226 | 3,481 |
| 2018 | 4,666 | 3,072 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Wright Patt Credit Union Inc | 384 | 626 |
| Fifth Third Bank, National Association | 256 | 431 |
| Union Savings Bank | 231 | 279 |
| Rocket Mortgage | 144 | 204 |
| loanDepot.com LLC | 111 | 158 |
| Cornerstone First Mortgage, LLC | 92 | 105 |
| US Bank, N.A. | 88 | 184 |
| Crosscountry Mortgage, LLC | 86 | 115 |
| Huntington National Bank | 82 | 150 |
| United Wholesale Mortgage | 78 | 107 |
| The Park National Bank | 77 | 109 |
| Vanderbilt Mortgage and Finance, Inc | 66 | 92 |
| Guaranteed Rate, Inc. | 57 | 84 |
| PNC Bank N.A. | 55 | 96 |
| Greenville Federal | 49 | 52 |
| NVR Mortgage Finance, Inc. | 46 | 64 |
| First Financial Bank | 44 | 64 |
| Mortgage Research Center | 43 | 86 |
| Newrez LLC | 41 | 89 |
| JPMorgan Chase Bank, NA | 38 | 58 |
| Pennymac Loan Services LLC | 37 | 78 |
| Freedom Mortgage Corporation | 31 | 74 |
| Union Home Mortgage Corp. | 31 | 44 |
| Greenville National Bank | 25 | 33 |
| Primelending | 25 | 29 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 20 | no rate: base under 50 |
| Asian | 82 | 23.8% of 63 decided |
| Black or African American | 98 | 44.7% of 76 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,012 | 20.4% of 3,375 decided |
| 2 or more minority races | under 10 | |
| Joint | 65 | no rate: base under 50 |
| Race Not Available | 620 | 25.3% of 471 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | 19.3% of 57 decided |
| Not Hispanic or Latino | 4,104 | 21.2% of 3,444 decided |
| Joint | 58 | no rate: base under 50 |
| Ethnicity Not Available | 677 | 23.7% of 510 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,738 | 22.6% of 1,449 decided |
| Female | 987 | 28.7% of 825 decided |
| Joint | 1,757 | 15.7% of 1,467 decided |
| Sex Not Available | 423 | 22.9% of 315 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. 1623 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