Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Richland County, Ohio
Every institution that decided a 1–4 unit mortgage application in Richland County, home to Mansfield, between 2023 and 2025: 8,518 applications, 6,501 loans actually funded, across 8 kinds of borrowing.
Richland County at a glance
8,518Applications decided
2023–2025
6,501Loans funded
76% of decisions
30Census tracts
11 ZIP codes
125,138People
ACS 2023
What the data shows
The typical purchase mortgage here is $165K.
Lending by loan type in Richland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.6% | 4,049 | $165K | 96% | 201 |
| Home improvement loans | 66.5% | 1,376 | $45K | 93% | 68 |
| Cash-out refinance | 66.5% | 1,367 | $125K | 96% | 111 |
| Refinance | 78.3% | 978 | $105K | 93% | 99 |
| Investment property purchase | 90.7% | 506 | $115K | 90% | 69 |
| Investment cash-out refinance | 69.2% | 120 | $85K | 93% | 45 |
| Investment refinance | 77.6% | 67 | $105K | 90% | 27 |
| Investment home improvement | 54.5% | 55 | $85K | 87% | 19 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.