Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clermont County, Ohio
Every institution that decided a 1–4 unit mortgage application in Clermont County, home to Milford, between 2023 and 2025: 18,888 applications, 14,490 loans actually funded, across 8 kinds of borrowing.
Clermont County at a glance
18,888Applications decided
2023–2025
14,490Loans funded
77% of decisions
48Census tracts
13 ZIP codes
209,862People
ACS 2023
What the data shows
Lenders approved 86.8% of home-purchase applications in Clermont County, 3.7 points below the Ohio rate.
The typical purchase mortgage here is $265K.
Lending by loan type in Clermont County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.8% | 9,984 | $265K | 95% | 311 |
| Home improvement loans | 67.9% | 2,800 | $75K | 94% | 90 |
| Cash-out refinance | 73.5% | 3,128 | $155K | 95% | 187 |
| Refinance | 80.5% | 2,310 | $175K | 93% | 175 |
| Investment property purchase | 86.1% | 466 | $185K | 97% | 119 |
| Investment cash-out refinance | 79.0% | 100 | $155K | 94% | 53 |
| Investment refinance | 79.1% | 43 | $145K | 97% | 25 |
| Investment home improvement | 42.1% | 57 | $115K | 92% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.