Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Montgomery County, Ohio
Every institution that decided a 1–4 unit mortgage application in Montgomery County, home to Dayton, between 2023 and 2025: 41,691 applications, 31,491 loans actually funded, across 8 kinds of borrowing.
Montgomery County at a glance
41,691Applications decided
2023–2025
31,491Loans funded
76% of decisions
156Census tracts
30 ZIP codes
535,528People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 339 applications.
Lending by loan type in Montgomery County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.6% | 20,426 | $195K | 95% | 424 |
| Home improvement loans | 63.7% | 6,694 | $45K | 92% | 106 |
| Cash-out refinance | 68.5% | 5,442 | $135K | 95% | 209 |
| Refinance | 77.3% | 5,080 | $105K | 92% | 209 |
| Investment property purchase | 89.1% | 2,358 | $125K | 93% | 258 |
| Investment cash-out refinance | 76.3% | 874 | $105K | 91% | 140 |
| Investment refinance | 74.9% | 478 | $125K | 90% | 96 |
| Investment home improvement | 40.1% | 339 | $75K | 93% | 50 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.