Mortgage lending in Montgomery County, Ohio
Lenders in Montgomery County, Ohio reported 21,722 mortgage applications for 2025, according to the CFPB.
21,722 mortgage applications and 12,895 loans originated in 2025; the denial rate was 21.8% of 17,569 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Dayton-Kettering-Beavercreek, OH MSA.
- 21,722
- Applications
- 12,895
- Loans originated
- 21.8%
- Denial rate
- 3,830 denied of 17,569 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 21,722 | 12,895 |
| 2024 | 19,600 | 11,685 |
| 2023 | 17,798 | 10,558 |
| 2022 | 22,994 | 13,983 |
| 2021 | 33,345 | 21,980 |
| 2020 | 28,611 | 18,521 |
| 2019 | 21,322 | 13,540 |
| 2018 | 19,543 | 12,099 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Wright Patt Credit Union Inc | 1,684 | 2,818 |
| Union Savings Bank | 915 | 1,160 |
| Fifth Third Bank, National Association | 821 | 1,485 |
| Rocket Mortgage | 707 | 972 |
| Huntington National Bank | 580 | 940 |
| United Wholesale Mortgage | 431 | 622 |
| Day Air Credit Union | 423 | 710 |
| Mortgage Research Center | 313 | 597 |
| Crosscountry Mortgage, LLC | 292 | 409 |
| Primelending | 252 | 317 |
| PNC Bank N.A. | 237 | 428 |
| Cornerstone First Mortgage, LLC | 221 | 280 |
| Das Acquisition Company, LLC | 211 | 284 |
| US Bank, N.A. | 194 | 452 |
| Freedom Mortgage Corporation | 187 | 368 |
| loanDepot.com LLC | 184 | 275 |
| JPMorgan Chase Bank, NA | 178 | 308 |
| New American Funding, LLC. | 167 | 334 |
| First Financial Bank | 158 | 237 |
| Guaranteed Rate, Inc. | 155 | 265 |
| Fairway Independent Mort Corp | 149 | 215 |
| Navy Federal Credit Union | 138 | 243 |
| First Community Mortgage, Inc. | 138 | 179 |
| Pennymac Loan Services LLC | 137 | 288 |
| NVR Mortgage Finance, Inc. | 133 | 233 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 95 | 37.5% of 72 decided |
| Asian | 679 | 20.9% of 532 decided |
| Black or African American | 2,758 | 34.6% of 2,173 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 13,897 | 18.9% of 11,496 decided |
| 2 or more minority races | 44 | no rate: base under 50 |
| Joint | 370 | 17.8% of 304 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,836 | 23.3% of 2,926 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 720 | 26.8% of 538 decided |
| Not Hispanic or Latino | 16,974 | 21.6% of 13,971 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,748 | 22.3% of 2,835 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,054 | 23.3% of 6,440 decided |
| Female | 5,631 | 26.2% of 4,586 decided |
| Joint | 5,729 | 15.8% of 4,817 decided |
| Sex Not Available | 2,308 | 21.3% of 1,726 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. 1829 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