Ohio mortgage data

In 2025, lenders originated 112,679 home-purchase mortgages on principal residences in Ohio, with a median loan of $235,000. One percent of that median loan is $2,350.

That one percent is the expected agent-MLO figure: what a real-estate agent who is also the licensed loan originator on a deal would expect per median loan here at an expected ~100 bps, before any adjustment for the loan or the plan. The median total loan costs the buyer paid, $5,229, is the cost of the whole loan on the Closing Disclosure, not any one party's fee.

Home-purchase loans in 2025
112,679
Median loan
$235,000
Expected agent-MLO figure, one percent of the median loan
$2,3501what the agent who is also the loan originator would expect on the median loan at an expected ~100 bps
Median total loan costs
$5,229106,792 of 112,679 loans report costs
Lenders that originated here
742
Came through a broker or other third party
11.9%109,481 loans report the channel

By county

71 counties have a page of their own. 17 more counties had fewer than 250 loans, 2,597 in all, and are counted in the state figures above without a page of their own.

Counties in Ohio with at least 250 home-purchase loans in 2025
CountyLoansMedian loan
Franklin County11,897$295,000
Cuyahoga County9,930$225,000
Hamilton County7,773$255,000
Montgomery County5,705$215,000
Summit County5,380$215,000
Butler County3,924$275,000
Lorain County3,767$245,000
Stark County3,681$205,000
Lucas County3,535$185,000
Warren County3,183$355,000
Delaware County3,171$445,000
Clermont County2,777$285,000
Lake County2,656$215,000
Fairfield County2,015$325,000
Licking County2,012$295,000
Mahoning County2,012$175,000
Greene County2,010$285,000
Medina County1,989$295,000
Trumbull County1,746$165,000
Clark County1,402$195,000
Portage County1,378$245,000
Miami County1,319$235,000
Union County1,309$425,000
Wood County1,274$235,000
Richland County1,130$185,000
Pickaway County954$325,000
Allen County945$185,000
Wayne County908$215,000
Muskingum County858$215,000
Geauga County852$305,000
Hancock County798$205,000
Ashtabula County775$175,000
Columbiana County771$175,000
Knox County678$245,000
Ross County665$215,000
Erie County618$205,000
Madison County608$295,000
Tuscarawas County601$185,000
Marion County599$185,000
Sandusky County525$165,000
Scioto County523$165,000
Brown County518$225,000
Logan County481$225,000
Darke County466$175,000
Ashland County463$195,000
Belmont County448$165,000
Clinton County427$225,000
Jefferson County426$155,000
Lawrence County423$175,000
Preble County415$195,000
Huron County412$175,000
Seneca County399$155,000
Fulton County383$185,000
Highland County383$195,000
Auglaize County382$195,000
Washington County379$195,000
Morrow County361$285,000
Williams County359$155,000
Defiance County348$155,000
Ottawa County345$195,000
Crawford County336$155,000
Perry County333$215,000
Guernsey County321$185,000
Shelby County317$205,000
Champaign County311$225,000
Coshocton County303$165,000
Putnam County282$205,000
Fayette County276$225,000
Hardin County270$165,000
Jackson County269$185,000
Van Wert County262$165,000

Who lends in the state

Loans by lender kind
Lender kindLoansShare
Banks, thrifts and their mortgage subsidiaries36,50532.4%
Independent mortgage companies69,62761.8%
Credit unions6,5475.8%
Loans by program
ProgramLoansShare
FHA21,19818.8%
VA9,1488.1%
Conventional and other82,33373.1%
Lenders with the most home-purchase loans in the state, 2025
LenderKindLoansShare
Crosscountry Mortgage, LLCIndependent mortgage company8,1267.2%
Huntington National BankBank5,7025.1%
Rocket MortgageIndependent mortgage company4,8304.3%
United Wholesale MortgageIndependent mortgage company4,6084.1%
Union Home Mortgage Corp.Independent mortgage company3,5963.2%

Counts of loans each lender filed under HMDA. A lender's place in this table is a count, not a rating or a recommendation.

See every state.

How these numbers were made

Source: the Consumer Financial Protection Bureau's public HMDA Snapshot National Loan-Level Dataset for 2025, the loan-level file every covered mortgage lender files under the Home Mortgage Disclosure Act, as published by the FFIEC. Lender names and kinds come from the same release's transmittal sheet.

Filter: loans with action taken 1 (originated), loan purpose 1 (home purchase), occupancy type 1 (principal residence), lien status 1 (first lien), and not a reverse mortgage, not an open-end line of credit and not for a business or commercial purpose (each coded 2, or 1111 where the filer is exempt from reporting it). Refinances, second homes, investment properties, second liens, reverse mortgages, home equity lines, business-purpose loans and applications that did not close are not counted. Every figure on this page is over those loans in this state, including counties too small for a page of their own.

Rounding: the public file rounds each loan amount to the midpoint of its $10,000 band, so every amount ends in 5,000. Total loan costs are reported by most but not all lenders, and the costs median is over the loans that report them. A county gets a page at 250 or more home-purchase loans in the year, and a smaller county is counted in its state's figures. Lender kind follows the agency each lender files HMDA with, read from the name where that agency supervises more than one kind. A loan came through a broker or other third party when the lender reports the application was not submitted to it directly, which HMDA does not split further.

The same row of data is available as CSV and plain text. The data refreshes each June when the prior year's file is published. Built 2026-10-15.