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State markets/Ohio/Montgomery County

COUNTY MORTGAGE MARKET · FIPS 39113

Montgomery County, Ohio

Who lends in Montgomery 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

$2.77B

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

Originations · 2025

12,895

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

Denial rate · 2025

17.6%

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

Lenders active · 2025

453

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 453 lenders that originated in Montgomery County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

265

unconcentrated

Top-5 lender share

28.6%

of originations

Purchase

65.1%

6,720 loans

Refinance

34.9%

3,608 loans

Origination trend

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

Lenders in Montgomery 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 Montgomery 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 MONTGOMERY COUNTY →

TOP TEN LENDERS IN MONTGOMERY 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.

1,684$223.0M$223.0M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
915$214.4M$214.4M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
707$131.5M$131.5M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
5$111.9M$111.9M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
580$111.0M$111.0M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
431$99.1M$99.1M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
821$85.3M$85.3M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
313$77.3M$77.3M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
292$59.3M$59.3M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
252$54.7M$54.7M originated in Montgomery 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 Montgomery County

All 42 ZIP Code Tabulation Areas that touch Montgomery 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.
42 OF 42 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 11 Montgomery County tracts this ZIP area touches sit mostly inside it.47,41630.5%13,998——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.38,93222.1%10,923——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Montgomery County tracts this ZIP area touches sit mostly inside it.37,89018.1%9,324——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 17 Montgomery County tracts this ZIP area touches sit mostly inside it.27,77415.8%8,146——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Montgomery County tracts this ZIP area touches sit mostly inside it.27,25119.1%8,135——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 18 Montgomery County tracts this ZIP area touches sit mostly inside it.23,12183.0%5,336——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Montgomery County tracts this ZIP area touches sit mostly inside it.22,18316.8%6,233——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Montgomery County tracts this ZIP area touches sit mostly inside it.21,05274.7%3,351——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Montgomery County tracts this ZIP area touches sit mostly inside it.19,38426.6%5,744——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.18,14534.7%3,045——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Montgomery County tracts this ZIP area touches sit mostly inside it.17,91018.5%4,790——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Montgomery County tracts this ZIP area touches sit mostly inside it.17,76077.2%4,827——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.16,96822.9%4,715——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 14 Montgomery County tracts this ZIP area touches sit mostly inside it.16,80589.2%3,941——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.16,58053.4%4,241——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Montgomery County tracts this ZIP area touches sit mostly inside it.16,49515.0%4,130——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Montgomery County tracts this ZIP area touches sit mostly inside it.15,86830.2%3,662——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.15,53920.2%4,643——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Montgomery County tracts this ZIP area touches sit mostly inside it.14,93917.5%2,224——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Montgomery County tracts this ZIP area touches sit mostly inside it.14,7477.1%4,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Montgomery County tracts this ZIP area touches sit mostly inside it.13,30134.5%2,883——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.12,80319.1%3,389——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Montgomery County tracts this ZIP area touches sit mostly inside it.12,68674.2%1,793——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Montgomery County tracts this ZIP area touches sit mostly inside it.12,12123.1%2,775——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Montgomery County tracts this ZIP area touches sit mostly inside it.9,50628.1%3,387——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Montgomery County tracts this ZIP area touches sit mostly inside it.8,7476.6%2,729——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.7,24029.3%1,535——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Montgomery County tracts this ZIP area touches sit mostly inside it.6,0766.5%2,062——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Montgomery County tracts this ZIP area touches sit mostly inside it.4,88115.8%1,785——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Montgomery County tracts this ZIP area touches sit mostly inside it.3,18984.8%942——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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.

156 of Montgomery County’s 156 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 Montgomery County

All 156 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.

156 OF 156 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low45.0%3,00590.8%OPEN →
Low48.1%2,17589.1%OPEN →
Low46.9%2,07693.3%OPEN →
Moderate58.5%3,78392.8%OPEN →
Moderate56.1%4,08882.4%OPEN →
Middle80.3%1,67890.3%OPEN →
Low44.5%2,07191.6%OPEN →
Low47.1%3,93581.3%OPEN →
Moderate53.6%2,13082.8%OPEN →
Low47.8%2,87073.5%OPEN →
Moderate53.1%1,35886.0%OPEN →
Low40.3%4,12474.3%OPEN →
Low47.8%1,02170.3%OPEN →
Upper164.2%4,17937.8%OPEN →
Moderate57.4%1,87430.1%OPEN →
Low38.3%77534.1%OPEN →
Low30.1%2,44951.1%OPEN →
Low42.4%3,74134.1%OPEN →
Low38.5%4,07933.0%OPEN →
Moderate57.9%2,92043.9%OPEN →
Low29.4%2,98848.7%OPEN →
Low43.0%2,94937.2%OPEN →
Moderate65.1%2,71232.3%OPEN →
Moderate50.8%5,48531.1%OPEN →
Moderate64.9%5,80725.4%OPEN →
Moderate65.8%1,99716.2%OPEN →
Middle100.0%2,24615.0%OPEN →
Middle90.8%4,03013.6%OPEN →
Moderate67.7%2,82720.4%OPEN →
Moderate74.3%2,79117.8%OPEN →
Middle108.2%3,82332.6%OPEN →
Moderate55.6%5,07630.4%OPEN →
—0.0%3,68316.0%OPEN →
Upper153.5%3,32515.4%OPEN →
Moderate53.6%1,98725.7%OPEN →
Low49.9%1,93594.4%OPEN →
Low41.7%2,48195.5%OPEN →
Low32.3%1,95296.9%OPEN →
—0.0%2,07997.3%OPEN →
Moderate50.6%1,99694.7%OPEN →
Low36.2%1,95994.4%OPEN →
Low49.6%2,12095.4%OPEN →
Moderate54.4%1,46474.3%OPEN →
Upper262.3%2,21812.9%OPEN →
Upper186.6%7,35413.9%OPEN →
Middle104.0%2,94417.7%OPEN →
Middle100.9%3,00016.0%OPEN →
Upper157.8%2,65310.7%OPEN →
Upper123.5%6,81421.3%OPEN →
Moderate55.7%1,53218.1%OPEN →
Middle119.4%1,88912.9%OPEN →
Upper136.1%1,6898.7%OPEN →
Middle112.9%3,16714.5%OPEN →
Middle105.5%2,46611.8%OPEN →
Moderate76.5%2,71317.3%OPEN →
Middle81.0%1,80216.1%OPEN →
Moderate75.8%3,24720.9%OPEN →
Upper122.5%1,77818.1%OPEN →
Middle92.9%2,86213.1%OPEN →
Middle89.2%2,06716.5%OPEN →
Middle106.1%2,58115.2%OPEN →
Middle96.9%2,98119.0%OPEN →
Middle92.1%1,65620.2%OPEN →
Middle89.7%2,08215.3%OPEN →
Upper129.1%3,64013.3%OPEN →
Middle99.6%2,53420.2%OPEN →
Moderate71.0%2,28633.4%OPEN →
Middle119.0%2,26116.2%OPEN →
Moderate62.8%4,70432.5%OPEN →
Middle83.7%2,53623.5%OPEN →
Upper151.4%1,92511.4%OPEN →
Upper208.1%2,21513.5%OPEN →
Upper153.7%2,96618.4%OPEN →
Upper125.3%2,92711.4%OPEN →
Upper136.2%2,64617.5%OPEN →
Middle88.2%4,72617.7%OPEN →
Upper131.3%5,59521.1%OPEN →
Upper171.5%5,52612.7%OPEN →
Upper224.7%3,57123.3%OPEN →
Upper187.6%5,70917.3%OPEN →
Upper141.9%5,32719.6%OPEN →
Middle94.4%4,20121.5%OPEN →
Middle115.8%6,33430.6%OPEN →
Upper212.3%7,99625.6%OPEN →
Middle104.8%4,33826.6%OPEN →
Middle95.0%2,51019.0%OPEN →
Middle98.8%4,93626.5%OPEN →
Upper146.9%6,11924.4%OPEN →
Upper137.8%3,38439.5%OPEN →
Middle93.3%3,40715.5%OPEN →
Middle100.9%5,27313.7%OPEN →
Moderate66.2%3,95037.4%OPEN →
Middle104.8%5,18412.9%OPEN →
Moderate78.1%2,0129.9%OPEN →
Middle117.7%2,86414.4%OPEN →
Upper124.3%6,38411.5%OPEN →
Middle119.5%6,58121.7%OPEN →
Middle90.7%5,36210.8%OPEN →
Moderate75.3%1,23656.9%OPEN →
Low45.6%1,43450.2%OPEN →
Middle81.8%3,71877.8%OPEN →
Moderate77.5%3,68757.6%OPEN →
Moderate56.9%3,43380.0%OPEN →
Low48.8%1,41549.3%OPEN →
Moderate51.7%1,81388.1%OPEN →
Moderate50.3%2,74881.0%OPEN →
Moderate69.7%2,61776.4%OPEN →
Moderate65.0%4,09186.9%OPEN →
Middle106.7%1,18489.5%OPEN →
Middle99.7%3,18984.8%OPEN →
Moderate69.9%5,86476.7%OPEN →
Middle111.8%2,71648.8%OPEN →
Moderate79.9%2,20679.5%OPEN →
Low49.6%3,15268.2%OPEN →
Moderate60.5%6,23740.6%OPEN →
Moderate57.4%1,20511.9%OPEN →
Moderate67.2%2,0519.5%OPEN →
Moderate79.4%6,33628.5%OPEN →
Upper132.0%3,68736.0%OPEN →
Upper132.7%6,59327.4%OPEN →
Low49.0%3,14922.1%OPEN →
Moderate62.5%1,43820.6%OPEN →
Middle82.3%1,30815.4%OPEN →
Middle92.1%3,54413.6%OPEN →
Middle83.6%2,63516.4%OPEN →
Middle94.2%2,68241.8%OPEN →
Middle91.8%6,39034.7%OPEN →
Middle119.6%5,90331.2%OPEN →
Middle97.9%4,73634.3%OPEN →
Middle98.1%2,52433.6%OPEN →
Middle110.9%4,66028.1%OPEN →
Moderate67.5%4,34727.4%OPEN →
Middle81.2%3,30827.4%OPEN →
Middle113.1%5,26826.3%OPEN →
Upper135.8%1,5759.7%OPEN →
Upper131.0%4,68214.4%OPEN →
Middle92.6%3,33531.6%OPEN →
Middle89.4%3,99410.9%OPEN →
Middle84.6%5,58714.7%OPEN →
Upper168.2%5,33919.9%OPEN →
Middle116.5%5,18729.4%OPEN →
Upper133.5%4,72837.5%OPEN →
Middle85.4%3,27238.5%OPEN →
Middle93.0%6,47213.6%OPEN →
Middle82.0%6,31725.3%OPEN →
Upper140.8%2,75023.9%OPEN →
Upper135.3%4,31926.4%OPEN →
Middle95.0%2,3359.5%OPEN →
Middle105.3%6,5646.6%OPEN →
Middle98.9%5,8486.6%OPEN →
Middle95.2%6,0766.5%OPEN →
Upper128.6%1,9474.7%OPEN →
Middle108.4%6,8007.2%OPEN →
Low25.2%2,59792.3%OPEN →
Moderate79.7%1,61460.5%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

536,096

Median household income

$66,139

Median home value

$180,900

Median gross rent

$1,026

per month

Owner-occupied

62.5%

of occupied units

Housing units

252,843

8.5% vacant

Poverty rate

15.0%

Unemployment

5.7%

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 Moderate

score 92.7

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Hail Relatively High · Strong wind 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

61

Declarations recorded

13

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

Everything we hold on Montgomery 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 Montgomery County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Montgomery County →Every reported application and origination in FIPS 39113, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Montgomery 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

1,273

—

Purchase share

50.4%

642 loans

IRRRL refinances

475

Cash-out refinances

156

20261,273—642475156
20251,319—785337197
20241,089—817103169
2023954—7846164
2022——934238361
20212,508—9661,271271
20202,100—914971215
20191,292—954113225
20181,214—890113211
20171,372—871296205
20161,158—727291140
20151,153—710312131

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 Montgomery 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

Montgomery 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

630

+80.5% vs 2024

Multifamily · 2025

449

−23.1% vs 2024

Total authorized · 2025

1,079

+15.6% vs 2024

Permit valuation · 2025

$211.1M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
06251.3K1.9K2.5K19901992199419961998200020022004200620082010201220142016201820202022202420251,079 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 Montgomery County, showing population movement and wealth transfer.

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

inflow2223Greene County, OH2,2583,549$126.8M
outflow2223Greene County, OH2,2153,690$124.5M
outflow2223Other flows - South, DS1,6132,831$108.8M
inflow2223Other flows - South, DS1,6032,962$88.7M
outflow2223Warren County, OH1,0401,801$100.0M
inflow2223Warren County, OH1,0271,621$65.7M
outflow2223Miami County, OH8891,541$60.3M
inflow2223Other flows - Midwest, DS7541,253$43.7M
inflow2223Butler County, OH7371,216$33.5M
inflow2223Miami County, OH7101,158$38.0M
outflow2223Franklin County, OH702967$39.3M
outflow2223Other flows - Midwest, DS6541,106$42.7M
outflow2223Butler County, OH571931$30.2M
inflow2223Other flows - West, DS5611,048$36.4M
outflow2223Hamilton County, OH546718$26.9M
inflow2223Franklin County, OH520811$27.4M
outflow2223Other flows - West, DS494823$32.0M
inflow2223Clark County, OH483823$21.4M
inflow2223Other flows - Northeast, DS482817$27.3M
inflow2223Hamilton County, OH468732$23.5M
outflow2223Clark County, OH443758$21.6M
outflow2223Other flows - Northeast, DS381625$26.0M
outflow2223Preble County, OH221379$11.5M
inflow2223Preble County, OH210335$10.5M
outflow2223Darke County, OH152279$7.1M
inflow2223Darke County, OH122199$6.5M
outflow2223Cuyahoga County, OH119181$8.9M
outflow2223Cook County, IL116140$7.7M
inflow2223Clermont County, OH103159$5.3M
outflow2223Clermont County, OH98147$5.1M
inflow2223Cuyahoga County, OH93138$4.8M
inflow2223Maricopa County, AZ90158$5.3M
inflow2223Clinton County, OH82124$4.1M
inflow2223Foreign - APO/FPO ZIPs, FR82199$5.3M
inflow2223Marion County, IN80141$3.9M
inflow2223Cook County, IL77116$5.8M
outflow2223Maricopa County, AZ74121$4.7M
outflow2223Clinton County, OH74125$5.3M
outflow2223Marion County, IN72115$3.6M
outflow2223Shelby County, OH67105$3.7M
inflow2223Los Angeles County, CA67119$3.9M
outflow2223Foreign - APO/FPO ZIPs, FR66148$4.9M
inflow2223Shelby County, OH66107$3.0M
outflow2223Los Angeles County, CA6584$3.0M
inflow2223Bexar County, TX63135$4.7M
inflow2223Lucas County, OH6396$2.7M
outflow2223Bexar County, TX62137$4.7M
outflow2223Delaware County, OH6088$9.4M
outflow2223Harris County, TX5885$2.6M
outflow2223El Paso County, CO58120$4.0M
outflow2223Jefferson County, KY5584$3.1M
inflow2223Clark County, NV55108$3.3M
inflow2223El Paso County, CO54109$3.8M
inflow2223Wayne County, IN5393$3.0M
inflow2223Harris County, TX53109$2.7M
outflow2223Lucas County, OH5280$3.6M
outflow2223Dallas County, TX5163$3.4M
outflow2223Champaign County, OH5084$2.8M
inflow2223Kenton County, KY4976$2.2M
inflow2223Wayne County, MI4886$2.2M
inflow2223Champaign County, OH4879$2.1M
outflow2223Kenton County, KY4868$2.5M
outflow2223Pinellas County, FL4665$2.9M
outflow2223Fulton County, GA4570$2.1M
outflow2223Mecklenburg County, NC4576$3.0M
inflow2223Pinellas County, FL4563$2.5M
outflow2223Hillsborough County, FL4472$3.6M
outflow2223Clark County, NV4481$3.2M
inflow2223San Diego County, CA4382$3.1M
inflow2223Jefferson County, KY4268$2.1M
outflow2223Foreign - Other flows, FR4172$1.9M
outflow2223Honolulu County, HI4090$4.0M
outflow2223Duval County, FL4067$2.5M
outflow2223Wayne County, IN3872$1.5M
inflow2223Tarrant County, TX3875$2.3M
outflow2223Wayne County, MI3761$2.3M
inflow2223Summit County, OH3760$2.8M
inflow2223Allen County, OH3763$2.0M
outflow2223King County, WA3745$3.2M
inflow2223Auglaize County, OH3652$2.2M
outflow2223Highland County, OH3660$2.4M
inflow2223Fairfax County, VA3675$3.8M
inflow2223Delaware County, OH3662$2.6M
inflow2223Okaloosa County, FL3673$2.6M
outflow2223Sarasota County, FL3657$6.1M
outflow2223Fayette County, KY3643$2.0M
outflow2223Volusia County, FL3564$2.8M
outflow2223San Diego County, CA3456$1.9M
inflow2223Allegheny County, PA3357$1.7M
outflow2223Lee County, FL3354$3.4M
outflow2223Okaloosa County, FL3350$2.7M
outflow2223Stark County, OH3346$1.9M
inflow2223Fayette County, KY3357$1.4M
inflow2223Broward County, FL3356$2.7M
inflow2223Highland County, OH3358$1.5M
outflow2223Davidson County, TN3241$1.8M
inflow2223Logan County, OH3251$1.2M
inflow2223Pima County, AZ3252$2.9M
outflow2223Fairfax County, VA3255$3.9M
outflow2223Allegheny County, PA3254$1.8M
outflow2223Summit County, OH3241$1.5M
inflow2223Davidson County, TN3145$1.3M
inflow2223Dallas County, TX3157$1.7M
inflow2223Wood County, OH3144$1.5M
outflow2223Campbell County, KY3144$1.2M
outflow2223Travis County, TX3036$2.9M
outflow2223Orange County, FL3056$2.2M
outflow2223Tarrant County, TX3058$1.2M
inflow2223Stark County, OH2951$987K
outflow2223Brevard County, FL2940$2.4M
outflow2223Wake County, NC2953$1.8M
outflow2223Logan County, OH2951$1.9M
outflow2223Wood County, OH2935$1.3M
inflow2223Hillsborough County, FL2953$920K
inflow2223Ross County, OH2950$1.4M
inflow2223Allen County, IN2846$1.6M
outflow2223Allen County, OH2855$1.1M
outflow2223Manatee County, FL2846$2.4M
outflow2223District of Columbia, DC2745$1.6M
outflow2223New York County, NY2729$1.8M
inflow2223Miami-Dade County, FL2742$1.1M
inflow2223Palm Beach County, FL2642$1.3M
inflow2223Foreign - Other flows, FR2645$808K
outflow2223Cobb County, GA2639$1.7M
outflow2223Arapahoe County, CO2638$1.6M
inflow2223Fairfield County, OH2642$1.3M
inflow2223Oakland County, MI2634$1.1M
inflow2223Campbell County, KY2639$1.5M
outflow2223Hamilton County, IN2530$2.3M
outflow2223Allen County, IN2546$1.4M
outflow2223Oakland County, MI2536$1.8M
inflow2223San Bernardino County, CA2546$1.5M
inflow2223Mecklenburg County, NC2550$1.2M
outflow2223Madison County, OH2449$1.9M
inflow2223Lee County, FL2439$1.9M
inflow2223King County, WA2433$1.3M
outflow2223Knox County, TN2438$1.1M
outflow2223Athens County, OH2430$1.2M
outflow2223Denver County, CO2333$2.2M
outflow2223Bernalillo County, NM2342$1.3M
outflow2223Gwinnett County, GA2340$1.1M
inflow2223Fulton County, GA2336$2.3M
outflow2223Auglaize County, OH2250$1.2M
inflow2223Duval County, FL2237$489K
inflow2223Manatee County, FL2234$1.4M
inflow2223Licking County, OH2243$1.3M
outflow2223Fairfield County, OH2231$1.4M
outflow2223Charlotte County, FL2130$1.4M
inflow2223Arapahoe County, CO2140$1.3M
inflow2223Hancock County, OH2130$1.3M
inflow2223Orange County, FL2131$711K
inflow2223Boone County, KY2129$1.1M
outflow2223Collin County, TX2035$2.0M
outflow2223DuPage County, IL2034$1.8M
outflow2223Alameda County, CA2029$1.4M
outflow2223Pima County, AZ2037$1.6M
outflow2223Union County, OH2034$1.3M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Greene County, OH2,3383,965$131.5M
inflow2122Greene County, OH2,1453,575$120.0M
outflow2122Other flows - South, DS1,6672,960$112.2M
inflow2122Other flows - South, DS1,4712,715$86.7M
outflow2122Warren County, OH1,0992,006$88.9M
inflow2122Warren County, OH1,0541,763$66.8M
outflow2122Miami County, OH9141,650$57.1M
inflow2122Other flows - Midwest, DS7381,293$47.3M
inflow2122Miami County, OH7151,150$37.2M
inflow2122Butler County, OH6901,157$33.0M
outflow2122Franklin County, OH675975$37.4M
outflow2122Other flows - Midwest, DS6411,073$37.0M
inflow2122Other flows - West, DS5561,033$38.4M
outflow2122Butler County, OH548914$29.6M
outflow2122Other flows - West, DS537977$34.9M
outflow2122Hamilton County, OH523700$24.1M
inflow2122Clark County, OH501847$22.0M
inflow2122Franklin County, OH489762$26.7M
outflow2122Clark County, OH477826$22.1M
inflow2122Other flows - Northeast, DS466806$32.6M
inflow2122Hamilton County, OH440663$20.5M
outflow2122Other flows - Northeast, DS319507$19.9M
inflow2122Preble County, OH231398$10.4M
outflow2122Preble County, OH229436$14.5M
inflow2122Darke County, OH133204$6.0M
outflow2122Darke County, OH118212$6.4M
inflow2122Foreign - APO/FPO ZIPs, FR108262$8.1M
inflow2122Maricopa County, AZ100157$6.2M
outflow2122Cuyahoga County, OH94130$5.2M
inflow2122Cook County, IL92152$6.5M
outflow2122Clermont County, OH89143$4.9M
inflow2122Clermont County, OH83126$4.6M
outflow2122Cook County, IL80100$4.5M
inflow2122Cuyahoga County, OH79116$4.5M
inflow2122El Paso County, CO78153$5.4M
inflow2122Clinton County, OH77115$3.0M
outflow2122Clinton County, OH76132$4.1M
outflow2122Marion County, IN74119$3.8M
inflow2122Marion County, IN72121$3.3M
outflow2122Maricopa County, AZ68104$4.3M
outflow2122Clark County, NV67114$4.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Montgomery County.

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

2023PurchaseNo CharacteristicAll Appraisals3,976.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,237.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,213.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals198,000.0
2023BothNo CharacteristicAll Appraisals205,000.0
2023PurchaseNo CharacteristicAll Appraisals209,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals195,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals197,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,088.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals189,300.0
2022BothNo CharacteristicAll Appraisals6,873.0
2022PurchaseNo CharacteristicAll Appraisals4,785.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals195,000.0
2021BothNo CharacteristicAll Appraisals10,497.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals5,591.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals4,906.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals185,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals179,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals9,639.0
2020PurchaseNo CharacteristicAll Appraisals5,479.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals175,500.0
2020RefinanceNo CharacteristicAll Appraisals195,000.0
2020RefinanceNo CharacteristicAll Appraisals4,160.0
2020PurchaseNo CharacteristicAll Appraisals160,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals159,900.0
2019PurchaseNo CharacteristicAll Appraisals5,221.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals180,000.0
2019BothNo CharacteristicAll Appraisals8,043.0
2019RefinanceNo CharacteristicAll Appraisals2,822.0
2019PurchaseNo CharacteristicAll Appraisals148,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals153,000.0
2018BothNo CharacteristicAll Appraisals6,717.0
2018PurchaseNo CharacteristicAll Appraisals4,870.0
2018RefinanceNo CharacteristicAll Appraisals1,847.0
2018BothNo CharacteristicAll Appraisals145,000.0
2018PurchaseNo CharacteristicAll Appraisals140,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals149,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals6,692.0
2017PurchaseNo CharacteristicAll Appraisals4,397.0
2017PurchaseNo CharacteristicAll Appraisals138,000.0
2017RefinanceNo CharacteristicAll Appraisals2,295.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals141,800.0
2016PurchaseNo CharacteristicAll Appraisals4,101.0
2016RefinanceNo CharacteristicAll Appraisals166,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals150,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals7,154.0
2016RefinanceNo CharacteristicAll Appraisals3,053.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals130,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals157,000.0
2015BothNo CharacteristicAll Appraisals6,407.0
2015RefinanceNo CharacteristicAll Appraisals2,650.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals3,757.0
2015BothNo CharacteristicAll Appraisals140,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals136,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05254,374246,3867,9883.1%
2026-04255,755247,1778,5783.4%
2026-03256,975246,54410,4314.1%
2026-02257,760245,47812,2824.8%
2026-01255,244242,70112,5434.9%
2025-12257,120246,08111,0394.3%
2025-11258,060246,60811,4524.4%
2025-09257,926246,24811,6784.5%
2025-08259,286246,57212,7144.9%
2025-07261,128247,41013,7185.3%
2025-06260,157246,69013,4675.2%
2025-05258,978246,37612,6024.9%
2025-04260,218247,11113,1075.0%
2025-03261,231246,97014,2615.5%
2025-02259,436244,73614,7005.7%
2025-01257,761242,93714,8245.8%
2024-12257,915245,29112,6244.9%
2024-11258,374246,30712,0674.7%
2024-10258,464247,20311,2614.4%
2024-09258,317246,39511,9224.6%
2024-08258,981246,65512,3264.8%
2024-07261,221248,18413,0375.0%
2024-06259,852246,96112,8915.0%
2024-05256,634245,36411,2704.4%
2024-04256,632245,86610,7664.2%
2024-03258,127246,30311,8244.6%
2024-02255,897243,86012,0374.7%
2024-01253,666242,11711,5494.6%
2023-12254,462245,0999,3633.7%
2023-11255,218245,9279,2913.6%
2023-10254,340244,3809,9603.9%
2023-09252,513242,5519,9623.9%
2023-08255,251244,89410,3574.1%
2023-07253,754243,7889,9663.9%
2023-06253,484243,25910,2254.0%
2023-05251,994242,9439,0513.6%
2023-04251,739243,2818,4583.4%
2023-03253,241243,23110,0104.0%
2023-02250,938240,44910,4894.2%
2023-01249,948239,26410,6844.3%
2022-12249,309240,3628,9473.6%
2022-11248,285239,2938,9923.6%
2022-10249,589239,7999,7903.9%
2022-09249,023239,1459,8784.0%
2022-08250,921240,03210,8894.3%
2022-07251,962240,80311,1594.4%
2022-06251,402240,21711,1854.4%
2022-05249,073240,0619,0123.6%
2022-04247,434238,3959,0393.7%
2022-03249,504239,6019,9034.0%
2022-02248,202237,49110,7114.3%
2022-01246,956235,57511,3814.6%
2021-12248,181239,3598,8223.6%
2021-11248,835239,2409,5953.9%
2021-10248,936238,27410,6624.3%
2021-09248,222236,30111,9214.8%
2021-08251,966238,69013,2765.3%
2021-07253,063238,08314,9805.9%
2021-06252,880236,33716,5436.5%
2021-05249,998235,12614,8725.9%
2021-04251,127234,89416,2336.5%
2021-03252,863235,47217,3916.9%
2021-02252,277234,20118,0767.2%
2021-01251,432232,83118,6017.4%
2020-12252,708237,09315,6156.2%
2020-11253,632238,28215,3506.1%
2020-10256,386239,08617,3006.7%
2020-09254,797233,68521,1128.3%
2020-08255,232233,30521,9278.6%
2020-07255,114227,64427,47010.8%
2020-06255,040224,46530,57512.0%
2020-05249,901213,85136,05014.4%
2020-04244,315205,78038,53515.8%
2020-03257,096244,22812,8685.0%
2020-02258,061246,98511,0764.3%
2020-01257,070244,94312,1274.7%
2019-12258,116248,1769,9403.9%
2019-11258,343248,3539,9903.9%
2019-10258,884248,10810,7764.2%
2019-09257,441246,85610,5854.1%
2019-08259,023247,90911,1144.3%
2019-07260,604248,70311,9014.6%
2019-06259,007247,52311,4844.4%
2019-05255,399245,7669,6333.8%
2019-04253,758244,7479,0113.6%
2019-03254,557244,24610,3114.1%
2019-02253,993242,80311,1904.4%
2019-01254,605242,02412,5814.9%
2018-12256,849245,53011,3194.4%
2018-11255,219244,81410,4054.1%
2018-10255,659244,80110,8584.2%
2018-09253,839243,15910,6804.2%
2018-08254,674243,64811,0264.3%
2018-07258,236246,10512,1314.7%
2018-06257,534244,72412,8105.0%
2018-05254,673244,19210,4814.1%
2018-04253,784243,02510,7594.2%
2018-03254,794243,54311,2514.4%
2018-02254,373242,31712,0564.7%
2018-01252,100239,73312,3674.9%

BEA Personal Income

2024$32.67B537,443$61K
2023$31.24B535,313$58K
2022$29.46B534,355$55K
2021$29.49B536,229$55K
2020$27.60B537,139$51K
2019$25.51B537,026$47K
2018$24.56B536,312$46K
2017$23.67B535,794$44K
2016$22.73B535,576$42K
2015$22.34B534,832$42K
2014$21.61B534,953$40K
2013$20.76B536,165$39K
2012$20.62B535,653$38K
2011$20.14B535,298$38K
2010$19.16B535,751$36K
2009$18.81B535,294$35K
2008$19.19B537,664$36K
2007$18.80B540,667$35K
2006$18.46B543,620$34K
2005$17.66B546,979$32K
2004$17.45B549,713$32K
2003$17.04B551,742$31K
2002$16.89B553,170$31K
2001$16.77B555,536$30K
2000$16.43B558,522$29K
1999$15.66B561,944$28K
1998$15.32B566,715$27K
1997$14.84B568,983$26K
1996$14.18B571,942$25K
1995$13.71B573,498$24K
1994$12.97B575,200$23K
1993$12.45B578,999$22K
1992$12.03B578,604$21K
1991——$20K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-05-27$0——Yes
2026-05-27$0——Yes
2026-05-26$33K$33K$0Yes
2026-05-23$8K$8K$0Yes
2026-01-26$0——Yes
2025-06-26$0$0$0No
2025-04-08$40K$40K$0Yes
2025-04-05$7K$7K$0Yes
2025-04-01$9K$9K$0Yes
2025-03-23$88K$88K$0Yes
2022-07-27$8K$8K$0Yes
2022-03-08$0——Yes
2021-12-17$0——Yes
2021-08-26$0——Yes
2021-04-05$9K$9K$0Yes
2020-05-19$2K$2K$0Yes
2020-04-02$0——Yes
2020-03-20$9K$9K$0Yes
2020-03-20$9K$8K$1KYes
2020-03-20$12K$12K$0Yes
2020-03-20$4K$4K$0Yes
2020-03-20$2K$2K$0Yes
2020-03-20$18K$13K$5KYes
2020-03-20$0——Yes
2020-03-20$591.95$591.95$0Yes
2020-03-20$0——Yes
2020-03-20$64K$64K$0Yes
2020-03-19$36K$36K$0Yes
2020-03-08$0——Yes
2019-02-07$356.63$356.63$0Yes
2019-02-07$5K$5K$0Yes
2019-02-07$53K$53K$0No
2019-02-07$15K$15K$0Yes
2018-06-16$8K$8K$0Yes
2018-06-08$12K$12K$0Yes
2018-04-03$3K$3K$0Yes
2018-04-03$0——Yes
2018-04-03$1K$1K$0Yes
2018-04-03$49K$49K$0No
2018-03-11$4K$4K$0Yes
2018-02-25$1K$1K$0Yes
2018-01-11$3K$3K$0Yes
2017-11-05$5K$5K$0Yes
2017-11-05$25K$25K$0Yes
2017-11-05$1K$1K$0Yes
2017-11-05$8K$5K$3KYes
2017-11-05$75K$75K$0No
2017-11-05$0——Yes
2017-06-23$0——Yes
2017-06-01$6K$6K$0Yes
2015-12-28$3K$3K$0Yes
2015-06-21$3K$3K$0No
2015-06-20$0——Yes
2015-06-19$0——Yes
2015-06-17$1K$1K$0No
2015-04-19$0——Yes
2014-07-07$0——Yes
2014-06-22$0——No
2014-06-21$10K$10K$0Yes
2014-06-20$0——Yes
2014-06-20$5K$5K$0Yes
2014-06-04$0——Yes
2014-05-21$795.08$795.08$0No
2013-12-25$9K$9K$0Yes
2013-12-24$0——Yes
2013-12-23$26K$25K$965.9Yes
2013-12-23$306.19$306.19$0Yes
2013-12-23$0——Yes
2013-12-22$12K$12K$0Yes
2013-12-22$1K$1K$0No
2013-12-22$49K$47K$2KYes
2013-12-21$43K$42K$1KYes
2013-12-21$2K$2K$0Yes
2013-12-21$43K$33K$10KYes
2013-12-21$26K$26K$0Yes
2013-07-06$23K$23K$0Yes
2013-06-29$0——Yes
2013-03-18$0——Yes
2012-05-01$0——Yes
2011-12-12$8K$8K$0No
2011-12-06$2K$2K$0No
2011-10-20$0——Yes
2011-09-26$0——Yes
2011-05-24$0——No
2011-04-27$0——No
2011-04-26$0——Yes
2011-04-26$0——Yes
2011-04-20$0——Yes
2011-04-19$3K$3K$0No
2011-04-19$0——Yes
2011-04-19$0——Yes
2011-04-18$5K$5K$0No
2011-04-17$6K$6K$0Yes
2011-03-15$0——Yes
2011-03-06$10K$10K$437.16Yes
2009-07-03$0——Yes
2008-09-14$0——No
2008-06-04$3K$3K$0No
2008-06-04$0——Yes
2008-06-04$15K$15K$0No

ALSO CHECKED

18 more data areas were checked for Montgomery 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 MONTGOMERY COUNTY →Opens the loan explorer already filtered to county FIPS 39113.

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.