Mortgage lending in Warren County, Ohio
Lenders in Warren County, Ohio reported 11,899 mortgage applications for 2025, according to the CFPB.
11,899 mortgage applications and 7,683 loans originated in 2025; the denial rate was 16.6% of 9,679 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 11,899
- Applications
- 7,683
- Loans originated
- 16.6%
- Denial rate
- 1,607 denied of 9,679 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,899 | 7,683 |
| 2024 | 10,030 | 6,386 |
| 2023 | 9,268 | 5,835 |
| 2022 | 13,587 | 8,815 |
| 2021 | 24,022 | 16,683 |
| 2020 | 24,057 | 16,694 |
| 2019 | 15,473 | 10,530 |
| 2018 | 12,658 | 8,312 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fifth Third Bank, National Association | 571 | 977 |
| Union Savings Bank | 554 | 690 |
| Huntington National Bank | 483 | 752 |
| United Wholesale Mortgage | 451 | 573 |
| Rocket Mortgage | 413 | 544 |
| Wright Patt Credit Union Inc | 320 | 485 |
| Victory Mortgage, LLC | 184 | 219 |
| Third Federal Savings and Loan | 165 | 265 |
| US Bank, N.A. | 163 | 286 |
| PNC Bank N.A. | 148 | 259 |
| First Financial Bank | 147 | 198 |
| General Electric Credit Union | 131 | 196 |
| Crosscountry Mortgage, LLC | 131 | 183 |
| 1st National Bank | 120 | 152 |
| Union Home Mortgage Corp. | 120 | 158 |
| First Community Mortgage, Inc. | 109 | 130 |
| Primelending | 108 | 131 |
| NVR Mortgage Finance, Inc. | 102 | 118 |
| Guardian Savings Bank | 91 | 130 |
| Ruoff Mortgage Company | 90 | 116 |
| JPMorgan Chase Bank, NA | 90 | 129 |
| Freedom Mortgage Corporation | 81 | 171 |
| loanDepot.com LLC | 78 | 116 |
| Pennymac Loan Services LLC | 78 | 136 |
| Nationstar Mortgage | 76 | 105 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 28 | no rate: base under 50 |
| Asian | 1,128 | 19.1% of 861 decided |
| Black or African American | 296 | 29.3% of 229 decided |
| Native Hawaiian or Other Pacific Islander | 14 | no rate: base under 50 |
| White | 8,632 | 15.5% of 7,170 decided |
| 2 or more minority races | 25 | no rate: base under 50 |
| Joint | 205 | 14.4% of 174 decided |
| Race Not Available | 1,571 | 18.7% of 1,190 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 270 | 20.3% of 217 decided |
| Not Hispanic or Latino | 9,803 | 16.2% of 8,073 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,654 | 19.1% of 1,255 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,302 | 18.1% of 3,433 decided |
| Female | 2,085 | 21.3% of 1,702 decided |
| Joint | 4,648 | 12.5% of 3,915 decided |
| Sex Not Available | 864 | 21.3% of 629 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. 563 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