Miami County, Ohio
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Miami County, Ohio, saw 4,106 HMDA-reported applications and 2,628 originations ($501m) in 2024.
That is 58.5 originations per 1,000 households, against 50.6 for Ohio and 48.0 nationally.
The county's denial rate was 20.7%, below the state rate of 23.5%. The median rate spread on originated loans was 0.5 percentage points and 19.8% of originations were 1.5 points or more above the average prime offer rate.
36 lenders reached 25 applications in the county; the most active by originations were Wright Patt Credit Union Inc (370), Fifth Third Bank, National Association (213) and Union Savings Bank (163).
Originations were about level with 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 36. Denial rate is denials over decided applications in this county.
Compared with Ohio and the nation
| Measure | This county | Ohio | United States |
|---|---|---|---|
| Denial rate | 20.7% | 23.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.8% | 17.7% | 15.6% |
| Average originated loan | $191k | $218k | $329k |
| Originations per 1,000 households | 58.5 | 50.6 | 48.0 |
| Home purchase share of originations | 52.3% | 51.7% | 57.0% |
| FHA-insured share | 12.3% | 12.3% | 13.4% |
| VA-guaranteed share | 9.9% | 5.9% | 7.9% |
Rate spread distribution
Share of 2,389 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Ohio). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 52% (1,374)Home improvement 12% (320)Refinancing 13% (341)Cash-out refinancing 11% (292)Other purpose 11% (301)
By type
Conventional 77% (2,030)FHA 12% (324)VA 10% (261)USDA 0% (13)
Trend by year
ApplicationsOriginations
This countyOhio
Questions and answers
Which lenders are most active in Miami County, OH?
By 2024 originations: Wright Patt Credit Union Inc (370), Fifth Third Bank, National Association (213), Union Savings Bank (163), Rocket Mortgage (125), Huntington National Bank (96). 36 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Miami County?
20.7% of decided applications were denied in 2024, against 23.5% across Ohio and 24.3% nationally.
How many mortgages were originated in Miami County in 2024?
2,628 loans totalling $501m, from 4,106 applications; 58.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 39109; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.