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MortRadarTERMINAL
State markets/Ohio/Franklin County

COUNTY MORTGAGE MARKET · FIPS 39049

Franklin County, Ohio

Who lends in Franklin County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$9.47B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

29,514

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

16.9%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

556

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 556 lenders that originated in Franklin County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

192

unconcentrated

Top-5 lender share

21.7%

of originations

Purchase

60.9%

14,290 loans

Refinance

39.1%

9,182 loans

Origination trend

Annual mortgage origination volume and loan count in Franklin County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Franklin County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Franklin County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR FRANKLIN COUNTY →

TOP TEN LENDERS IN FRANKLIN COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

2,572$662.7M$662.7M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,360$390.8M$390.8M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,320$385.6M$385.6M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
804$316.6M$316.6M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,415$303.4M$303.4M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$262.6M$262.6M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
10$261.1M$261.1M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
971$258.4M$258.4M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,339$256.2M$256.2M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
5$221.2M$221.2M originated in Franklin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Franklin County

All 50 ZIP Code Tabulation Areas that touch Franklin County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
50 OF 50 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1616 of the 18 Franklin County tracts this ZIP area touches sit mostly inside it.73,00118.5%20,666——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 25 Franklin County tracts this ZIP area touches sit mostly inside it.57,90845.0%10,692——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 20 Franklin County tracts this ZIP area touches sit mostly inside it.57,05325.3%15,607——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 18 Franklin County tracts this ZIP area touches sit mostly inside it.57,03134.8%14,897——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 20 Franklin County tracts this ZIP area touches sit mostly inside it.55,48122.5%14,477——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Franklin County tracts this ZIP area touches sit mostly inside it.55,15830.4%11,247——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Franklin County tracts this ZIP area touches sit mostly inside it.54,71468.9%8,495——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Franklin County tracts this ZIP area touches sit mostly inside it.48,62032.4%10,511——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Franklin County tracts this ZIP area touches sit mostly inside it.47,47972.6%7,476——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 Franklin County tracts this ZIP area touches sit mostly inside it.46,50839.5%9,051——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 15 Franklin County tracts this ZIP area touches sit mostly inside it.45,51563.6%8,661——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 17 Franklin County tracts this ZIP area touches sit mostly inside it.42,43243.3%10,417——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Franklin County tracts this ZIP area touches sit mostly inside it.39,28252.0%8,756——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 20 Franklin County tracts this ZIP area touches sit mostly inside it.38,77163.0%6,143——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 17 Franklin County tracts this ZIP area touches sit mostly inside it.35,62728.5%2,065——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Franklin County tracts this ZIP area touches sit mostly inside it.34,72815.3%10,223——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Franklin County tracts this ZIP area touches sit mostly inside it.34,55531.1%7,609——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Franklin County tracts this ZIP area touches sit mostly inside it.31,71782.7%5,457——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Franklin County tracts this ZIP area touches sit mostly inside it.31,64527.9%7,048——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Franklin County tracts this ZIP area touches sit mostly inside it.31,28948.7%5,967——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Franklin County tracts this ZIP area touches sit mostly inside it.30,68632.0%7,588——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Franklin County tracts this ZIP area touches sit mostly inside it.29,37337.9%7,049——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Franklin County tracts this ZIP area touches sit mostly inside it.29,22846.4%7,697——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Franklin County tracts this ZIP area touches sit mostly inside it.28,45421.9%8,242——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Franklin County tracts this ZIP area touches sit mostly inside it.26,22041.8%4,562——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 13 Franklin County tracts this ZIP area touches sit mostly inside it.25,82117.7%7,856——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Franklin County tracts this ZIP area touches sit mostly inside it.24,88017.4%4,491——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Franklin County tracts this ZIP area touches sit mostly inside it.24,40223.5%6,035——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Franklin County tracts this ZIP area touches sit mostly inside it.23,17823.2%3,011——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Franklin County tracts this ZIP area touches sit mostly inside it.22,64748.2%5,182——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Franklin County tracts this ZIP area touches sit mostly inside it.22,56382.0%4,182——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 13 Franklin County tracts this ZIP area touches sit mostly inside it.22,31879.3%3,265——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Franklin County tracts this ZIP area touches sit mostly inside it.17,87264.2%3,265——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 14 Franklin County tracts this ZIP area touches sit mostly inside it.16,75028.1%1,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Franklin County tracts this ZIP area touches sit mostly inside it.15,39914.2%139——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Franklin County tracts this ZIP area touches sit mostly inside it.12,31232.3%2,846——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Franklin County tracts this ZIP area touches sit mostly inside it.11,67064.0%1,935——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Franklin County tracts this ZIP area touches sit mostly inside it.7,38778.9%872——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Franklin County tracts this ZIP area touches sit mostly inside it.5,32316.5%1,694——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Franklin County tracts this ZIP area touches sit mostly inside it.3,38741.0%477——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Franklin County tracts this ZIP area touches sit mostly inside it.2,75320.1%1,093——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Franklin County tract this ZIP area touches sit mostly inside it.2,66534.9%119——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Franklin County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

328 of Franklin County’s 328 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Franklin County

All 328 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

328 OF 328 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle113.5%3,4899.3%OPEN →
Upper185.0%3,2209.1%OPEN →
Upper141.3%3,04912.0%OPEN →
Upper142.1%4,18610.4%OPEN →
Moderate73.9%3,37738.8%OPEN →
Moderate55.0%2,50529.5%OPEN →
Low36.4%2,42744.3%OPEN →
Middle109.8%2,43912.8%OPEN →
Upper152.3%3,31611.3%OPEN →
Middle104.0%4,18720.2%OPEN →
Middle88.9%3,83919.6%OPEN →
Low47.7%3,33950.6%OPEN →
Low33.1%2,58379.1%OPEN →
Low21.4%3,62991.8%OPEN →
Moderate56.4%2,74746.3%OPEN →
Moderate67.7%3,19360.0%OPEN →
Low43.5%3,69377.8%OPEN →
Low37.7%2,20982.0%OPEN →
Moderate60.9%5,61323.2%OPEN →
Middle93.7%3,75131.9%OPEN →
—0.0%12,13111.4%OPEN →
Moderate66.6%3,26824.3%OPEN →
Low41.1%5,20123.8%OPEN →
—0.0%2,90330.4%OPEN →
—0.0%3,03919.3%OPEN →
Low35.7%1,53185.9%OPEN →
Low36.2%2,09293.5%OPEN →
Low40.1%2,39948.1%OPEN →
Low38.5%3,99440.4%OPEN →
Low13.2%4,32432.6%OPEN →
Upper158.1%2,47821.8%OPEN →
Upper159.8%4,05924.4%OPEN →
Middle111.1%4,06315.9%OPEN →
Upper204.2%3,25918.2%OPEN →
Upper165.2%2,45617.3%OPEN →
Middle102.6%4,27922.0%OPEN →
Low42.3%1,50377.8%OPEN →
Low47.8%3,14487.0%OPEN →
Moderate75.1%2,78468.5%OPEN →
Low31.1%3,92079.7%OPEN →
Low42.9%1,90878.5%OPEN →
Low38.3%2,18382.6%OPEN →
Upper136.0%2,44728.5%OPEN →
Low27.8%2,55481.4%OPEN →
Moderate68.3%3,33147.3%OPEN →
Low42.6%2,30084.0%OPEN →
Middle108.0%2,35343.9%OPEN →
Low40.5%2,46179.5%OPEN →
Low16.6%2,88788.5%OPEN →
Upper155.3%4,18926.0%OPEN →
Upper120.8%3,50019.8%OPEN →
Middle106.2%2,03964.6%OPEN →
Middle86.5%3,38957.3%OPEN →
—0.0%2,10541.4%OPEN →
—0.0%1,25331.2%OPEN →
Upper138.7%4,24538.7%OPEN →
Low19.1%1,10742.3%OPEN →
Upper145.3%3,53218.0%OPEN →
Low34.4%1,74045.9%OPEN →
Moderate55.0%5,04841.6%OPEN →
Middle94.9%3,29820.5%OPEN →
Low42.5%2,60946.3%OPEN →
Low49.0%5,13858.0%OPEN →
Moderate70.8%2,92934.1%OPEN →
Moderate57.4%2,68546.3%OPEN →
Low48.6%5,68647.9%OPEN →
Low35.7%1,64735.8%OPEN →
—0.0%3,09542.1%OPEN →
Low20.5%2,54867.2%OPEN →
Middle103.1%3,12514.9%OPEN →
Low47.1%2,67664.2%OPEN →
Low32.7%1,41881.6%OPEN →
—0.0%2,08285.2%OPEN →
Low43.5%4,06283.7%OPEN →
Low45.0%1,64660.8%OPEN →
Low47.0%2,42251.1%OPEN →
Upper151.0%3,71512.6%OPEN →
Upper126.0%2,71914.6%OPEN →
Middle106.3%2,12719.2%OPEN →
Low49.6%2,36573.4%OPEN →
Low48.1%2,22448.3%OPEN →
Low40.0%2,53442.1%OPEN →
Upper232.4%6,19217.6%OPEN →
Upper121.7%5,95324.7%OPEN →
Upper152.3%1,89222.0%OPEN →
Upper130.1%6,51650.0%OPEN →
Middle98.6%5,99827.5%OPEN →
Middle109.2%9,53138.3%OPEN →
Middle95.6%3,15530.0%OPEN →
Moderate65.1%4,61339.1%OPEN →
Upper222.4%4,85713.5%OPEN →
Upper179.2%4,43614.4%OPEN →
Upper165.4%3,57016.4%OPEN →
Upper137.4%4,94113.6%OPEN →
Upper172.4%3,39219.6%OPEN →
Middle97.8%4,11624.3%OPEN →
Moderate76.0%3,29041.1%OPEN →
Middle91.9%4,80637.0%OPEN →
Middle81.2%7,61441.9%OPEN →
Upper128.2%6,27626.6%OPEN →
Middle116.3%6,01433.6%OPEN →
Upper129.4%6,51229.0%OPEN →
Upper233.8%5,66415.2%OPEN →
Upper195.8%4,64414.5%OPEN →
Upper141.6%5,34322.4%OPEN →
Upper124.5%2,75320.1%OPEN →
Middle94.8%3,71336.0%OPEN →
Middle95.7%5,47230.9%OPEN →
Middle96.2%6,68035.7%OPEN →
Upper210.1%3,59233.5%OPEN →
Upper209.1%2,94313.1%OPEN →
Upper157.6%4,94617.6%OPEN →
Upper235.6%3,8278.5%OPEN →
Upper256.2%4,20410.1%OPEN →
Upper135.3%2,89414.3%OPEN →
Upper197.0%3,7639.0%OPEN →
Middle99.5%2,95318.6%OPEN →
Upper130.9%2,35410.3%OPEN →
Moderate60.8%3,61930.6%OPEN →
Middle114.5%1,90712.7%OPEN →
Upper198.2%1,6989.4%OPEN →
Moderate65.3%3,86147.9%OPEN →
Middle81.8%3,95756.4%OPEN →
Moderate65.1%4,24563.0%OPEN →
Moderate56.0%6,88274.8%OPEN →
Moderate68.6%7,12174.3%OPEN →
Low35.6%7,12489.2%OPEN →
Moderate54.5%4,67756.7%OPEN →
Middle89.1%4,33242.5%OPEN →
Low46.9%6,10277.4%OPEN →
Upper145.1%2,7978.6%OPEN →
Upper155.7%4,57617.0%OPEN →
Moderate51.7%4,44377.3%OPEN →
Middle103.5%3,99529.0%OPEN →
Middle109.3%6,54713.3%OPEN →
Middle104.9%2,74425.5%OPEN →
Middle104.5%5,55841.0%OPEN →
Upper121.9%5,88839.8%OPEN →
Middle102.2%3,76035.5%OPEN →
Upper128.5%6,38839.3%OPEN →
Moderate76.5%3,23927.7%OPEN →
Upper162.3%3,39214.0%OPEN →
Middle102.5%3,28636.3%OPEN →
Middle80.3%6,62564.0%OPEN →
Moderate69.3%5,19461.6%OPEN →
Middle92.9%5,13051.0%OPEN →
Moderate64.0%6,05366.6%OPEN →
Middle101.2%5,45130.4%OPEN →
Upper138.9%6,56311.8%OPEN →
Upper129.2%2,87529.4%OPEN →
Middle84.4%6,26349.6%OPEN →
Middle119.0%3,64554.8%OPEN →
Upper120.6%6,54025.6%OPEN →
Upper127.1%9,77038.1%OPEN →
Upper296.0%4,54919.6%OPEN →
Upper257.7%5,38822.6%OPEN →
Upper194.2%5,39824.5%OPEN →
Middle105.1%3,87730.7%OPEN →
Middle115.8%5,55024.7%OPEN →
Middle113.7%5,98655.4%OPEN →
Middle95.0%4,86248.3%OPEN →
Upper127.5%6,63242.3%OPEN →
Upper130.9%4,48025.3%OPEN →
Upper193.2%4,52617.9%OPEN →
Upper198.1%3,49919.2%OPEN →
Middle99.5%3,53764.4%OPEN →
Middle111.0%8,24953.6%OPEN →
Middle84.5%6,24041.5%OPEN →
Middle102.3%2,71223.7%OPEN →
Middle109.6%3,35720.5%OPEN →
Upper120.4%6,71431.3%OPEN →
Upper157.5%6,42129.4%OPEN →
Upper120.9%4,40435.2%OPEN →
Moderate59.7%1,87293.7%OPEN →
Moderate60.9%4,29591.1%OPEN →
Low37.8%3,24282.7%OPEN →
Moderate51.6%3,06580.8%OPEN →
Low46.2%2,63392.7%OPEN →
Low44.2%1,93389.8%OPEN →
Moderate52.3%3,88489.8%OPEN →
Moderate78.4%2,98370.0%OPEN →
Moderate60.2%3,99893.5%OPEN →
Moderate51.2%5,73186.5%OPEN →
Low40.6%4,62964.1%OPEN →
Low44.2%6,48581.7%OPEN →
Moderate53.3%3,67357.2%OPEN →
Moderate64.1%3,22150.4%OPEN →
Middle99.6%1,74329.0%OPEN →
Middle117.3%3,62117.8%OPEN →
Moderate79.8%4,93128.9%OPEN →
Low48.3%3,78447.4%OPEN →
Middle119.6%3,69133.2%OPEN →
Upper139.4%6,20118.2%OPEN →
Middle115.6%4,30518.4%OPEN →
Upper136.6%3,25824.4%OPEN →
Middle114.6%3,36418.1%OPEN →
Upper124.1%4,74723.4%OPEN →
Middle99.5%4,94014.2%OPEN →
Upper165.8%3,33011.9%OPEN →
Middle101.5%1,96224.1%OPEN →
Middle100.0%4,92630.2%OPEN →
Upper156.2%4,97420.4%OPEN →
Middle105.6%5,24920.8%OPEN →
Upper147.8%3,06513.1%OPEN →
Upper132.7%6,49621.1%OPEN →
Middle100.1%3,86335.5%OPEN →
Moderate71.4%5,33241.5%OPEN →
Upper181.7%3,35013.6%OPEN →
Upper134.5%3,48715.8%OPEN →
Middle84.8%4,24530.1%OPEN →
Low49.1%4,10144.9%OPEN →
Middle80.4%7,20236.9%OPEN →
Low41.1%3,62258.5%OPEN →
Moderate67.7%4,57347.5%OPEN →
Moderate61.7%2,54427.6%OPEN →
Upper150.8%5,60128.9%OPEN →
Middle107.4%4,07841.1%OPEN →
Middle84.7%3,51741.8%OPEN →
Moderate50.3%5,23539.8%OPEN →
Middle99.4%5,08324.4%OPEN →
Low44.4%3,50540.2%OPEN →
Middle98.3%5,59736.1%OPEN →
Moderate56.3%2,32148.7%OPEN →
Low37.4%3,17888.1%OPEN →
Low38.2%2,55945.5%OPEN →
Middle81.0%6,31631.7%OPEN →
Moderate67.4%4,68650.0%OPEN →
Moderate54.5%5,02757.9%OPEN →
Moderate60.3%2,53033.6%OPEN →
Moderate65.4%4,83733.1%OPEN →
Moderate55.6%1,84723.9%OPEN →
Middle80.9%6,35440.0%OPEN →
Middle86.3%7,66864.6%OPEN →
Middle90.8%6,69033.4%OPEN →
Middle97.0%5,12831.9%OPEN →
Middle95.3%4,42619.0%OPEN →
Middle104.5%3,71525.4%OPEN →
Upper239.3%3,1619.1%OPEN →
Upper165.7%5,70213.1%OPEN →
Moderate51.7%2,59385.7%OPEN →
Moderate64.4%3,50771.1%OPEN →
Low35.7%1,98777.9%OPEN →
Moderate51.0%1,77427.7%OPEN →
Middle82.3%3,39375.8%OPEN →
Moderate52.8%2,44782.8%OPEN →
Low45.9%2,59715.0%OPEN →
Moderate78.9%4,13438.6%OPEN →
Middle88.7%6,46821.8%OPEN →
Upper121.7%5,24019.0%OPEN →
Upper225.3%3,64414.8%OPEN →
Upper212.9%5,04415.4%OPEN →
Low42.6%2,61350.1%OPEN →
Moderate54.6%5,63165.7%OPEN →
Moderate74.0%2,05240.2%OPEN →
Moderate60.9%2,10352.6%OPEN →
Moderate57.1%1,16983.7%OPEN →
Moderate69.1%2,92771.9%OPEN →
Low49.9%3,32576.4%OPEN →
Moderate60.2%3,55277.6%OPEN →
Low44.3%2,45777.9%OPEN →
Moderate57.9%3,75174.9%OPEN →
Moderate52.4%3,82885.0%OPEN →
Low42.2%4,74686.7%OPEN →
Low34.3%1,68688.7%OPEN →
Middle98.9%3,32181.3%OPEN →
Moderate50.6%3,16087.3%OPEN →
Moderate59.1%2,08563.4%OPEN →
Moderate52.7%4,41689.7%OPEN →
Moderate51.1%3,51368.7%OPEN →
Middle87.6%3,04670.8%OPEN →
Middle107.7%5,42954.1%OPEN →
Moderate63.0%4,61374.8%OPEN →
Moderate71.0%6,18478.6%OPEN →
Middle98.0%6,42456.7%OPEN →
Moderate72.1%3,00231.3%OPEN →
Middle84.5%2,63644.0%OPEN →
Moderate67.6%2,91647.1%OPEN →
Middle109.1%3,90739.4%OPEN →
Moderate51.5%3,27979.0%OPEN →
Middle117.1%7,15551.7%OPEN →
Middle81.9%5,06866.8%OPEN →
Moderate72.7%3,75075.5%OPEN →
Moderate75.0%3,74288.0%OPEN →
Middle82.7%2,01436.6%OPEN →
Middle87.8%4,89542.8%OPEN →
Moderate55.4%2,82584.3%OPEN →
Moderate53.2%2,97769.8%OPEN →
Middle85.7%4,62650.2%OPEN →
Moderate68.1%3,62956.9%OPEN →
Upper138.6%2,76417.4%OPEN →
Upper137.0%4,14317.8%OPEN →
Moderate79.3%2,81047.6%OPEN →
Moderate69.0%6,09346.2%OPEN →
Middle94.7%5,05429.3%OPEN →
Middle84.2%5,25842.2%OPEN →
Upper126.1%2,00014.3%OPEN →
Middle88.1%3,82762.4%OPEN →
Middle87.0%4,61420.8%OPEN →
Middle81.5%5,32316.5%OPEN →
Moderate62.2%4,25027.0%OPEN →
Moderate68.8%4,43615.6%OPEN →
Middle86.6%2,59311.3%OPEN →
Upper145.4%6,53712.2%OPEN →
Middle116.3%7,52822.5%OPEN →
Upper149.8%5,9479.3%OPEN →
Middle111.7%3,98912.1%OPEN →
Upper135.4%7,21315.6%OPEN →
Middle81.5%2,24422.2%OPEN →
Middle107.8%4,66914.9%OPEN →
Upper132.8%3,28810.0%OPEN →
Middle85.2%3,5218.6%OPEN →
Low36.1%1,97075.8%OPEN →
Middle98.5%5,85830.5%OPEN →
Middle115.3%1,48757.2%OPEN →
Moderate57.8%4,04955.2%OPEN →
Moderate77.6%5,53450.0%OPEN →
Middle80.8%4,48657.8%OPEN →
Moderate74.7%6,68465.0%OPEN →
Moderate50.5%2,66534.9%OPEN →
Upper260.0%2,64133.9%OPEN →
Upper192.2%5,41130.9%OPEN →
Upper147.3%5,03730.5%OPEN →
Upper209.1%3,41125.6%OPEN →
Upper152.4%5,36424.1%OPEN →
Upper164.7%7,12421.1%OPEN →
Moderate67.0%1,42027.5%OPEN →
Middle111.5%4,98342.8%OPEN →
—0.0%00.0%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

1,333,048

Median household income

$75,176

Median home value

$288,400

Median gross rent

$1,302

per month

Owner-occupied

52.8%

of occupied units

Housing units

595,469

7.1% vacant

Poverty rate

14.7%

Unemployment

4.6%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 98.1

Social vulnerability

Relatively Low

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Hail Relatively High · Strong wind Relatively High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

73

Declarations recorded

20

Incident types on record: Biological, Flood, Hurricane, Severe Storm, Snowstorm, Tornado.

Everything we hold on Franklin County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Franklin County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Franklin County →Every reported application and origination in FIPS 39049, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Franklin County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,206

—

Purchase share

42.2%

509 loans

IRRRL refinances

496

Cash-out refinances

201

20261,206—509496201
20251,327—704335288
20241,029—639145245
2023878—6449225
2022——752319581
20213,174—8741,865435
20202,909—9141,570425
20191,660—978212470
20181,609—975144490
20171,973—1,037490446
20161,868—1,019497352
20151,573—903424246

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Franklin County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Franklin County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

1,829

−9.1% vs 2024

Multifamily · 2025

8,665

+41.8% vs 2024

Total authorized · 2025

10,494

+29.2% vs 2024

Permit valuation · 2025

$1.8B

authorized construction value

Units authorized by year

Franklin County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05K10K15K20K199019921994199619982000200220042006200820102012201420162018202020222024202510,494 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Franklin County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Delaware County, OH4,2157,675$430.7M
inflow2223Delaware County, OH2,9354,187$224.0M
outflow2223Fairfield County, OH2,7155,116$161.9M
inflow2223Other flows - South, DS2,1483,519$124.3M
outflow2223Licking County, OH2,0673,838$147.6M
outflow2223Other flows - South, DS2,0563,511$146.7M
inflow2223Fairfield County, OH1,9893,219$99.7M
inflow2223Licking County, OH1,6932,621$104.5M
inflow2223Other flows - Midwest, DS1,1281,710$64.6M
outflow2223Other flows - Midwest, DS1,0401,681$61.6M
inflow2223Cuyahoga County, OH1,0181,365$58.4M
outflow2223Union County, OH1,0152,097$120.8M
outflow2223Pickaway County, OH9611,795$63.3M
outflow2223Cuyahoga County, OH8341,102$50.9M
outflow2223Madison County, OH7441,351$62.4M
outflow2223Other flows - Northeast, DS7441,164$58.1M
inflow2223Montgomery County, OH702967$39.3M
inflow2223Hamilton County, OH669841$37.1M
inflow2223Other flows - Northeast, DS653953$36.2M
inflow2223Other flows - West, DS6491,007$45.8M
outflow2223Other flows - West, DS594897$62.6M
outflow2223Hamilton County, OH553712$31.9M
outflow2223Cook County, IL548669$35.7M
inflow2223Pickaway County, OH532864$24.0M
inflow2223Union County, OH521777$42.4M
outflow2223Montgomery County, OH520811$27.4M
inflow2223Summit County, OH518708$27.0M
inflow2223Madison County, OH446677$21.4M
inflow2223Cook County, IL383571$35.6M
inflow2223Lucas County, OH381509$17.6M
outflow2223Clark County, OH377627$19.5M
inflow2223Clark County, OH323473$13.9M
inflow2223Stark County, OH312419$13.8M
outflow2223Summit County, OH299432$15.1M
outflow2223Maricopa County, AZ296481$25.3M
inflow2223Maricopa County, AZ261421$18.1M
outflow2223Richland County, OH259430$11.4M
inflow2223Greene County, OH259326$14.2M
outflow2223Los Angeles County, CA259334$22.3M
inflow2223Butler County, OH255347$12.1M
inflow2223Richland County, OH254354$9.9M
outflow2223Knox County, OH253413$15.3M
inflow2223Athens County, OH245300$10.2M
outflow2223Mecklenburg County, NC245350$20.4M
inflow2223Warren County, OH239299$13.1M
inflow2223Allegheny County, PA233320$14.4M
outflow2223Greene County, OH225352$13.6M
outflow2223New York County, NY225250$21.8M
inflow2223Los Angeles County, CA224325$17.6M
outflow2223Muskingum County, OH223355$12.0M
outflow2223Stark County, OH219369$12.4M
outflow2223Foreign - Overseas, FR216367$18.9M
inflow2223Muskingum County, OH215304$8.1M
outflow2223Lucas County, OH214313$9.7M
outflow2223Ross County, OH207376$11.0M
outflow2223King County, WA206311$18.2M
inflow2223Lorain County, OH206253$9.4M
outflow2223Harris County, TX206339$12.5M
inflow2223Kings County, NY200343$9.9M
outflow2223Butler County, OH200309$10.1M
inflow2223Knox County, OH199270$12.3M
outflow2223Allegheny County, PA196300$13.7M
inflow2223Mahoning County, OH194267$7.5M
inflow2223Medina County, OH191225$10.2M
outflow2223Morrow County, OH190363$14.1M
inflow2223Ross County, OH186268$8.2M
outflow2223Marion County, OH185333$9.4M
outflow2223Dallas County, TX183272$14.5M
inflow2223Allen County, OH180254$7.7M
outflow2223Denver County, CO178200$13.4M
inflow2223Bronx County, NY170326$5.0M
outflow2223Warren County, OH168250$12.6M
outflow2223San Diego County, CA165225$11.9M
outflow2223Hillsborough County, FL163245$17.6M
inflow2223Harris County, TX162299$9.6M
outflow2223Lorain County, OH160249$9.2M
outflow2223Fulton County, GA155221$12.0M
inflow2223Marion County, OH153208$6.3M
inflow2223Wood County, OH147181$6.6M
outflow2223Travis County, TX147197$17.5M
outflow2223Athens County, OH146214$8.1M
inflow2223Marion County, IN145215$8.9M
inflow2223Oakland County, MI145202$11.9M
outflow2223Marion County, IN142212$7.8M
inflow2223Miami-Dade County, FL141239$5.5M
inflow2223Logan County, OH141171$6.3M
outflow2223Kings County, NY140193$9.0M
outflow2223Pinellas County, FL140193$18.2M
inflow2223Portage County, OH139176$6.2M
inflow2223Broward County, FL137222$6.5M
inflow2223Lake County, OH133152$6.6M
outflow2223Mahoning County, OH133218$6.1M
inflow2223Wayne County, MI132212$7.7M
outflow2223Davidson County, TN132171$7.7M
inflow2223King County, WA130187$12.3M
outflow2223District of Columbia, DC130160$10.5M
inflow2223New York County, NY128187$14.0M
inflow2223Jefferson County, KY128201$7.2M
inflow2223Mecklenburg County, NC127214$8.1M
outflow2223Perry County, OH127214$8.9M
outflow2223Fayette County, OH127191$6.0M
outflow2223Oakland County, MI126184$10.5M
outflow2223Clark County, NV125204$7.2M
inflow2223Clark County, NV124196$6.9M
outflow2223Logan County, OH121211$8.7M
inflow2223Morrow County, OH120164$5.2M
outflow2223Wood County, OH116158$6.0M
inflow2223Trumbull County, OH116153$4.9M
inflow2223Davidson County, TN115182$9.0M
outflow2223Champaign County, OH114178$7.3M
outflow2223Wayne County, MI114202$5.6M
outflow2223Orange County, FL114183$8.2M
outflow2223Broward County, FL112165$10.0M
outflow2223Hennepin County, MN111201$5.2M
outflow2223Wake County, NC110176$11.9M
outflow2223Lee County, FL109181$14.9M
outflow2223Collin County, TX108212$11.1M
inflow2223Miami County, OH107150$5.2M
outflow2223Jefferson County, KY106165$4.6M
outflow2223Tarrant County, TX105180$7.5M
inflow2223Clermont County, OH104116$5.1M
inflow2223San Diego County, CA104170$8.0M
outflow2223Miami-Dade County, FL103154$10.1M
inflow2223Lee County, FL102159$12.1M
inflow2223Wayne County, OH102123$5.3M
inflow2223Fairfax County, VA101174$8.1M
inflow2223Dallas County, TX101147$11.6M
inflow2223Washington County, OH101119$4.3M
inflow2223Philadelphia County, PA101158$6.6M
inflow2223Hancock County, OH100120$5.1M
outflow2223Duval County, FL100161$5.8M
outflow2223Clermont County, OH99149$6.0M
inflow2223Palm Beach County, FL98167$7.6M
inflow2223Pinellas County, FL97149$6.2M
outflow2223Medina County, OH96142$6.5M
inflow2223Orange County, CA95139$7.9M
inflow2223Orange County, FL95153$4.3M
outflow2223Allen County, OH94144$4.4M
outflow2223Middlesex County, MA94124$6.6M
inflow2223Tarrant County, TX94177$5.3M
inflow2223Foreign - Overseas, FR93161$8.0M
inflow2223Hillsborough County, FL92145$5.5M
inflow2223Prince George's County, MD90152$3.8M
outflow2223Santa Clara County, CA89119$9.8M
outflow2223Philadelphia County, PA89105$4.6M
inflow2223Champaign County, OH88110$3.9M
inflow2223Hocking County, OH88132$4.6M
inflow2223Perry County, OH88129$4.4M
outflow2223Suffolk County, MA87103$5.4M
inflow2223Wake County, NC85142$8.0M
inflow2223Fulton County, GA85113$4.9M
inflow2223Queens County, NY85164$3.7M
outflow2223Orange County, CA82138$10.9M
inflow2223Middlesex County, MA81127$7.2M
outflow2223Lake County, OH81106$4.9M
outflow2223Washtenaw County, MI81112$5.0M
outflow2223Palm Beach County, FL80127$25.0M
outflow2223Trumbull County, OH79127$3.3M
outflow2223Manatee County, FL79122$13.1M
inflow2223Fayette County, OH79112$4.1M
outflow2223Scioto County, OH78119$3.4M
outflow2223Erie County, OH78122$5.5M
inflow2223Erie County, OH78102$3.5M
outflow2223Miami County, OH77110$4.8M
inflow2223Bexar County, TX76131$5.2M
outflow2223Hocking County, OH75140$4.6M
inflow2223Denver County, CO7596$5.5M
inflow2223Belmont County, OH7592$2.7M
inflow2223Montgomery County, MD75125$6.1M
outflow2223Pasco County, FL74133$6.6M
outflow2223DeKalb County, GA74115$3.9M
outflow2223Hancock County, OH74120$5.4M
outflow2223Dane County, WI74108$4.3M
inflow2223Crawford County, OH7491$2.4M
outflow2223Crawford County, OH73108$3.9M
outflow2223Fairfax County, VA73116$7.2M
inflow2223Suffolk County, MA73113$6.2M
inflow2223Geauga County, OH7385$4.9M
inflow2223Travis County, TX72104$9.0M
outflow2223Sarasota County, FL71122$14.6M
inflow2223Hennepin County, MN71103$4.6M
outflow2223Charleston County, SC6982$5.7M
outflow2223Montgomery County, MD68103$4.1M
inflow2223District of Columbia, DC6791$5.7M
outflow2223Kent County, MI67119$4.7M
outflow2223Polk County, FL66119$4.4M
inflow2223Fayette County, KY66102$4.2M
outflow2223Greenville County, SC6593$4.7M
outflow2223Collier County, FL65104$20.9M
inflow2223Ashland County, OH6588$2.1M
inflow2223Scioto County, OH6599$2.9M
outflow2223Salt Lake County, UT64102$5.0M
inflow2223St. Louis County, MO6487$4.1M
inflow2223Shelby County, TN64108$4.4M
outflow2223Jefferson County, CO6376$4.5M
outflow2223Denton County, TX63123$6.5M
inflow2223Washtenaw County, MI6396$4.5M
outflow2223Alameda County, CA6287$5.4M
outflow2223Fayette County, KY6292$4.3M
outflow2223Bexar County, TX62101$3.9M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Franklin County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals9,481.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals3,255.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals12,736.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals285,000.0
2023BothNo CharacteristicAll Appraisals315,000.0
2023PurchaseNo CharacteristicAll Appraisals325,000.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals300,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals312,700.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals6,140.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals280,000.0
2022BothNo CharacteristicAll Appraisals17,824.0
2022PurchaseNo CharacteristicAll Appraisals11,684.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals290,000.0
2021BothNo CharacteristicAll Appraisals27,465.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals13,599.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals13,866.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021BothNo CharacteristicAll Appraisals285,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals278,000.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals28,791.0
2020PurchaseNo CharacteristicAll Appraisals13,849.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals263,000.0
2020RefinanceNo CharacteristicAll Appraisals280,000.0
2020RefinanceNo CharacteristicAll Appraisals14,942.0
2020PurchaseNo CharacteristicAll Appraisals245,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals244,000.0
2019PurchaseNo CharacteristicAll Appraisals13,095.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals258,000.0
2019BothNo CharacteristicAll Appraisals23,077.0
2019RefinanceNo CharacteristicAll Appraisals9,982.0
2019PurchaseNo CharacteristicAll Appraisals232,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals220,000.0
2018BothNo CharacteristicAll Appraisals18,420.0
2018PurchaseNo CharacteristicAll Appraisals12,193.0
2018RefinanceNo CharacteristicAll Appraisals6,227.0
2018BothNo CharacteristicAll Appraisals221,000.0
2018PurchaseNo CharacteristicAll Appraisals223,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals220,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals18,826.0
2017PurchaseNo CharacteristicAll Appraisals11,698.0
2017PurchaseNo CharacteristicAll Appraisals215,000.0
2017RefinanceNo CharacteristicAll Appraisals7,128.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals217,000.0
2016PurchaseNo CharacteristicAll Appraisals10,884.0
2016RefinanceNo CharacteristicAll Appraisals240,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals209,700.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals225,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals20,880.0
2016RefinanceNo CharacteristicAll Appraisals9,996.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals197,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals226,500.0
2015BothNo CharacteristicAll Appraisals18,357.0
2015RefinanceNo CharacteristicAll Appraisals7,867.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals10,490.0
2015BothNo CharacteristicAll Appraisals210,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals195,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Franklin County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05727,337707,56119,7762.7%
2026-04729,952708,82721,1252.9%
2026-03732,551707,41125,1403.4%
2026-02730,608701,22629,3824.0%
2026-01723,731694,30229,4294.1%
2025-12733,285706,79026,4953.6%
2025-11737,434709,42128,0133.8%
2025-09739,013709,73029,2834.0%
2025-08741,286709,26032,0264.3%
2025-07746,508712,03734,4714.6%
2025-06743,701709,67734,0244.6%
2025-05738,999707,26031,7394.3%
2025-04739,947707,37432,5734.4%
2025-03741,148705,69935,4494.8%
2025-02735,916699,74936,1674.9%
2025-01733,564697,92635,6384.9%
2024-12734,808703,90030,9084.2%
2024-11739,087708,28330,8044.2%
2024-10738,026709,45628,5703.9%
2024-09733,679703,17030,5094.2%
2024-08733,595701,87531,7204.3%
2024-07739,524705,98833,5364.5%
2024-06736,676703,45533,2214.5%
2024-05726,790697,33929,4514.1%
2024-04721,123693,42027,7033.8%
2024-03722,928693,07029,8584.1%
2024-02717,513688,10429,4094.1%
2024-01711,990683,85928,1314.0%
2023-12712,523690,05022,4733.2%
2023-11719,048696,87022,1783.1%
2023-10717,712694,00223,7103.3%
2023-09713,017688,66824,3493.4%
2023-08720,388695,27025,1183.5%
2023-07717,983693,86924,1143.4%
2023-06715,632690,75624,8763.5%
2023-05711,579689,61921,9603.1%
2023-04709,106688,71820,3882.9%
2023-03708,075684,08123,9943.4%
2023-02705,001679,94925,0523.6%
2023-01700,443675,27225,1713.6%
2022-12699,452678,04521,4073.1%
2022-11700,367678,71121,6563.1%
2022-10703,608679,72923,8793.4%
2022-09700,300676,28124,0193.4%
2022-08707,573680,74126,8323.8%
2022-07710,696683,85926,8373.8%
2022-06706,018678,50227,5163.9%
2022-05703,633681,16422,4693.2%
2022-04702,501680,17622,3253.2%
2022-03705,784682,32923,4553.3%
2022-02704,758679,63525,1233.6%
2022-01700,006673,56426,4423.8%
2021-12701,362680,69120,6712.9%
2021-11704,881681,84823,0333.3%
2021-10702,631677,09725,5343.6%
2021-09694,356665,37828,9784.2%
2021-08708,064675,36032,7044.6%
2021-07712,317675,19337,1245.2%
2021-06705,577664,18041,3975.9%
2021-05698,222660,50937,7135.4%
2021-04699,187657,33941,8486.0%
2021-03706,628657,66748,9616.9%
2021-02703,199656,67546,5246.6%
2021-01698,961652,24546,7166.7%
2020-12701,742662,57239,1705.6%
2020-11705,258666,29238,9665.5%
2020-10710,948666,58844,3606.2%
2020-09703,801649,37954,4227.7%
2020-08708,007651,25756,7508.0%
2020-07705,141635,10370,0389.9%
2020-06698,338621,77576,56311.0%
2020-05684,223602,57481,64911.9%
2020-04660,991576,78284,20912.7%
2020-03699,425669,38230,0434.3%
2020-02706,947681,64325,3043.6%
2020-01704,332676,31128,0214.0%
2019-12710,814687,69023,1243.3%
2019-11714,820691,39623,4243.3%
2019-10711,559687,71923,8403.4%
2019-09704,489679,28225,2073.6%
2019-08709,918683,62826,2903.7%
2019-07714,233686,22528,0083.9%
2019-06707,905680,87727,0283.8%
2019-05696,287674,43121,8563.1%
2019-04690,980669,91321,0673.0%
2019-03691,050667,12823,9223.5%
2019-02691,067665,63125,4363.7%
2019-01692,888664,19328,6954.1%
2018-12698,806672,78126,0253.7%
2018-11698,937674,74224,1953.5%
2018-10699,401673,90225,4993.6%
2018-09691,009665,85525,1543.6%
2018-08694,242668,00226,2403.8%
2018-07701,113673,56127,5523.9%
2018-06700,513670,36130,1524.3%
2018-05690,848666,48824,3603.5%
2018-04683,292658,49724,7953.6%
2018-03683,004657,35525,6493.8%
2018-02683,523656,71626,8073.9%
2018-01678,063651,17226,8914.0%

BEA Personal Income

2024$90.47B1,356,303$67K
2023$85.56B1,338,903$64K
2022$80.87B1,327,687$61K
2021$78.97B1,317,840$60K
2020$72.05B1,324,505$54K
2019$66.89B1,318,727$51K
2018$64.86B1,308,564$50K
2017$62.54B1,296,343$48K
2016$60.51B1,275,185$47K
2015$59.26B1,257,869$47K
2014$56.24B1,238,740$45K
2013$53.51B1,219,172$44K
2012$52.90B1,199,247$44K
2011$49.15B1,180,911$42K
2010$45.31B1,166,217$39K
2009$43.69B1,155,408$38K
2008$44.52B1,141,183$39K
2007$42.99B1,127,174$38K
2006$41.34B1,115,924$37K
2005$39.71B1,105,497$36K
2004$38.32B1,099,603$35K
2003$36.95B1,095,250$34K
2002$35.74B1,088,693$33K
2001$34.51B1,082,938$32K
2000$34.54B1,072,018$32K
1999$31.94B1,061,223$30K
1998$30.23B1,050,922$29K
1997$28.11B1,043,193$27K
1996$26.15B1,033,866$25K
1995$25.20B1,026,057$25K
1994$24.14B1,017,751$24K
1993$22.87B1,008,616$23K
1992$21.77B995,873$22K
1991——$21K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Franklin County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-05-28$7K$7K$0Yes
2026-05-27$0——Yes
2026-05-27$8K$8K$0Yes
2026-05-27$10K$9K$1KYes
2026-05-27$4K$4K$0Yes
2026-05-27$3K$3K$0Yes
2026-05-27$8K$8K$0Yes
2026-05-23$3K$3K$0Yes
2026-03-27$0$0$0Yes
2026-03-15$1K$1K$0Yes
2026-03-05$4K$4K$0Yes
2024-04-02$6K$5K$583.6Yes
2024-04-02$962.66$962.66$0Yes
2024-04-02$41K$39K$2KYes
2023-05-10$0——Yes
2023-05-08$0$0$0Yes
2023-04-06$0——Yes
2023-03-27$4K$4K$0Yes
2023-03-25$23K$23K$0Yes
2023-03-17$0——Yes
2023-01-03$863.3$863.3$0Yes
2022-09-04$9K$8K$448.56Yes
2022-07-06$6K$6K$0No
2022-07-06$2K$2K$0No
2022-07-06$9K$9K$0No
2022-07-06$4K$4K$0No
2022-07-06$785.35$785.35$0No
2022-07-06$6K$6K$0No
2022-07-06$648.56$648.56$0No
2022-07-06$6K$6K$0Yes
2022-07-06$521.37$521.37$0No
2022-07-06$2K$2K$0No
2022-07-06$9K$9K$0No
2022-07-06$0$0$0Yes
2022-07-06$571.04$571.04$0No
2022-07-06$567.67$567.67$0No
2022-07-06$616.21$616.21$0No
2022-07-06$0$0$0Yes
2022-07-06$647.55$647.55$0No
2022-07-06$2K$2K$0No
2022-07-06$711.69$711.69$0No
2022-07-06$4K$4K$0No
2022-07-06$12K$12K$0No
2022-07-06$5K$5K$0No
2022-07-06$13K$13K$0No
2022-07-06$9K$9K$0No
2022-07-06$9K$9K$0No
2022-03-09$1K$1K$0Yes
2022-02-21$12K$12K$0No
2022-02-21$9K$9K$0No
2022-02-21$10K$10K$0No
2022-02-21$5K$5K$0No
2022-02-21$10K$10K$0No
2022-02-21$9K$9K$0No
2022-02-21$8K$8K$0No
2022-02-21$8K$8K$0No
2022-02-17$0——No
2021-08-19$11K$11K$0No
2021-08-17$20K$19K$921.73Yes
2021-08-17$16K$16K$0Yes
2021-08-17$13K$13K$0Yes
2021-08-17$6K$6K$0Yes
2021-08-17$18K$18K$0Yes
2021-08-17$12K$12K$0Yes
2021-08-17$13K$13K$0Yes
2021-08-17$14K$12K$1KYes
2021-08-17$4K$4K$132.34Yes
2021-08-17$0——Yes
2021-08-17$4K$4K$0Yes
2021-08-17$4K$4K$0Yes
2021-08-17$60K$60K$0Yes
2021-08-17$27K$27K$0Yes
2021-08-16$13K$13K$0Yes
2021-08-13$0——Yes
2020-07-22$0——Yes
2020-05-26$9K$9K$0Yes
2020-05-20$94K$94K$0No
2020-05-20$17K$17K$0Yes
2020-05-20$94K$94K$0No
2020-05-19$7K$7K$0Yes
2020-05-19$22K$22K$0No
2020-05-19$8K$8K$0Yes
2020-05-19$8K$8K$0Yes
2020-05-19$17K$17K$0No
2020-05-19$5K$5K$0Yes
2020-05-19$17K$17K$0No
2020-05-19$32K$26K$7KYes
2020-05-19$0——Yes
2020-05-19$42K$42K$0No
2020-05-19$8K$8K$0No
2020-05-19$2K$2K$0Yes
2020-05-19$0$0$0Yes
2020-05-19$0$0$0Yes
2020-05-19$60K$60K$0No
2020-05-19$18K$18K$0No
2020-05-19$0$0$0Yes
2020-05-19$0$0$0Yes
2020-05-19$6K$6K$0Yes
2020-05-19$49K$49K$0Yes
2020-05-19$4K$4K$0No

ALSO CHECKED

18 more data areas were checked for Franklin County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the OH state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN FRANKLIN COUNTY →Opens the loan explorer already filtered to county FIPS 39049.

See the Ohio state market profile for the statewide picture, the Ohio state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.