Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Miami County, Ohio
Every institution that decided a 1–4 unit mortgage application in Miami County, home to Troy, between 2023 and 2025: 9,299 applications, 7,258 loans actually funded, across 8 kinds of borrowing.
Miami County at a glance
9,299Applications decided
2023–2025
7,258Loans funded
78% of decisions
23Census tracts
7 ZIP codes
109,549People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Lending by loan type in Miami County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.3% | 4,499 | $205K | 96% | 241 |
| Home improvement loans | 69.0% | 1,498 | $55K | 93% | 66 |
| Cash-out refinance | 69.4% | 1,367 | $135K | 94% | 134 |
| Refinance | 78.2% | 1,376 | $105K | 94% | 117 |
| Investment property purchase | 92.0% | 373 | $125K | 95% | 90 |
| Investment cash-out refinance | 70.1% | 77 | $135K | 94% | 41 |
| Investment refinance | 66.2% | 77 | $205K | 98% | 25 |
| Investment home improvement | 50.0% | 32 | $105K | 94% | 14 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.