Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Butler County, Ohio
Every institution that decided a 1–4 unit mortgage application in Butler County, home to Hamilton, between 2023 and 2025: 29,196 applications, 22,710 loans actually funded, across 8 kinds of borrowing.
Butler County at a glance
29,196Applications decided
2023–2025
22,710Loans funded
78% of decisions
86Census tracts
12 ZIP codes
389,910People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Investment home improvement is the hardest money to get here: lenders approved 47% of 158 applications.
Lending by loan type in Butler County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.8% | 13,750 | $255K | 96% | 367 |
| Home improvement loans | 66.4% | 4,271 | $75K | 93% | 107 |
| Cash-out refinance | 71.4% | 5,387 | $145K | 95% | 217 |
| Refinance | 80.0% | 3,588 | $205K | 94% | 219 |
| Investment property purchase | 88.7% | 1,330 | $155K | 96% | 204 |
| Investment cash-out refinance | 77.7% | 512 | $125K | 95% | 102 |
| Investment refinance | 75.0% | 200 | $155K | 99% | 62 |
| Investment home improvement | 46.8% | 158 | $115K | 91% | 38 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.