Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Franklin County, Ohio
Every institution that decided a 1–4 unit mortgage application in Franklin County, home to Columbus, between 2023 and 2025: 95,233 applications, 73,243 loans actually funded, across 8 kinds of borrowing.
Franklin County at a glance
95,233Applications decided
2023–2025
73,243Loans funded
77% of decisions
328Census tracts
42 ZIP codes
1,321,635People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 42% of 635 applications.
Lending by loan type in Franklin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.5% | 42,891 | $275K | 97% | 533 |
| Home improvement loans | 62.2% | 15,701 | $85K | 93% | 167 |
| Cash-out refinance | 69.9% | 14,551 | $155K | 95% | 293 |
| Refinance | 76.1% | 12,717 | $145K | 94% | 304 |
| Investment property purchase | 90.4% | 5,319 | $185K | 96% | 324 |
| Investment cash-out refinance | 76.9% | 2,061 | $165K | 93% | 188 |
| Investment refinance | 77.1% | 1,358 | $165K | 92% | 161 |
| Investment home improvement | 42.4% | 635 | $125K | 90% | 78 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.