Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lucas County, Ohio
Every institution that decided a 1–4 unit mortgage application in Lucas County, home to Toledo, between 2023 and 2025: 27,901 applications, 21,013 loans actually funded, across 8 kinds of borrowing.
Lucas County at a glance
27,901Applications decided
2023–2025
21,013Loans funded
75% of decisions
168Census tracts
26 ZIP codes
428,748People
ACS 2023
What the data shows
The typical purchase mortgage here is $165K.
Investment home improvement is the hardest money to get here: lenders approved 41% of 195 applications.
Lending by loan type in Lucas County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.9% | 12,595 | $165K | 97% | 325 |
| Home improvement loans | 61.1% | 4,881 | $55K | 94% | 88 |
| Cash-out refinance | 66.8% | 3,818 | $115K | 95% | 159 |
| Refinance | 74.2% | 3,366 | $95K | 95% | 149 |
| Investment property purchase | 86.7% | 2,123 | $85K | 95% | 196 |
| Investment cash-out refinance | 74.6% | 615 | $75K | 94% | 106 |
| Investment refinance | 70.1% | 308 | $85K | 90% | 69 |
| Investment home improvement | 40.5% | 195 | $75K | 96% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.