Applications / Mortgage Analytics / Lenders / Ohio / M/I Financial
Columbus, OH · Independent non-bank lender · CFPB · 7,003 loans in 2025
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7,003
loans originated, 2025
8,501
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
M/I Financial lends to home buyers: home purchase made up 100.0% of its 7,003 loans in 2025, with a typical loan of $395,000, larger than nearly nine in ten similar lenders'.
Home purchase made up 100.0% of its lending and refinancing 0.0%. Its typical loan was $395,000, against $315,000 at similar lenders (independent non-bank lenders making between half and twice as many loans). FHA loans (insured by the Federal Housing Administration) were 32.4%, against 24.9%, and VA loans (guaranteed by the Department of Veterans Affairs) 10.6%, against 7.6%.
Its typical rate was 5.88%, against 6.62% at similar lenders, lower than about nine in ten of them. Its higher-priced share (a rate well above the average for similar loans) was 0.0%, against 3.1%.
Only 7.3% of its loans were in LMI (low- and moderate-income) areas, against 20.5%, the lowest share among similar lenders, and 14.0% went to LMI borrowers, against 29.8%. Its share in majority-minority areas, 25.1%, was near the middle. One possibility is its loan size: larger purchase loans go less often to lower-income buyers and areas.
Originations rose 7%, against 14% for similar lenders and 10% for the whole market, and were 5,812 five years earlier. It has lent in Columbus, OH since before 1990 and ranked 11 of 596 there, with an unchanged share of 1.8%. In Orlando-Kissimmee-Sanford its share rose to 0.9% from 0.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. M/I Financial took 8,501 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0% · Refinance 0.0%
Conventional 57.0% · FHA 32.4% · VA 10.6% · USDA (RHS or FSA) 0.0% · of 7,003 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,129 | 30.4% |
| Florida | 1,223 | 17.5% |
| Ohio | 1,088 | 15.5% |
| North Carolina | 723 | 10.3% |
| Minnesota | 571 | 8.2% |
| Illinois | 566 | 8.1% |
| Indiana | 437 | 6.2% |
| Michigan | 185 | 2.6% |
| Tennessee | 74 | 1.1% |
| South Carolina | 7 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 712 |
| Dallas-Plano-Irving | 625 |
| Houston-Pasadena-The Woodlands | 577 |
| Minneapolis-St. Paul-Bloomington | 571 |
| San Antonio-New Braunfels | 483 |
| Orlando-Kissimmee-Sanford | 444 |
| Indianapolis-Carmel-Greenwood | 437 |
| Charlotte-Concord-Gastonia | 423 |
| Tampa | 420 |
| Austin-Round Rock-San Marcos | 332 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PXL1KA5TOL2O82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3837412 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7311076317 | |
| Respondent ID (the HMDA filer code before 2018) | 77071000005 | 1990–2010 |
Established 3 October 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: M/I Financial's data.
M/I Financial's data
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M/I Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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