Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hamilton County, Ohio
Every institution that decided a 1–4 unit mortgage application in Hamilton County, home to Cincinnati, between 2023 and 2025: 58,689 applications, 45,418 loans actually funded, across 8 kinds of borrowing.
Hamilton County at a glance
58,689Applications decided
2023–2025
45,418Loans funded
77% of decisions
226Census tracts
49 ZIP codes
827,878People
ACS 2023
What the data shows
The typical purchase mortgage here is $235K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 558 applications.
Lending by loan type in Hamilton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.6% | 26,576 | $235K | 97% | 443 |
| Home improvement loans | 63.0% | 9,475 | $65K | 93% | 137 |
| Cash-out refinance | 68.3% | 8,771 | $145K | 95% | 259 |
| Refinance | 78.5% | 7,285 | $155K | 94% | 257 |
| Investment property purchase | 87.9% | 3,716 | $165K | 96% | 300 |
| Investment cash-out refinance | 78.6% | 1,448 | $165K | 93% | 173 |
| Investment refinance | 79.4% | 860 | $155K | 92% | 129 |
| Investment home improvement | 52.5% | 558 | $105K | 92% | 70 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.