Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Baldwin County, Alabama
Every institution that decided a 1–4 unit mortgage application in Baldwin County, home to Daphne, between 2023 and 2025: 29,616 applications, 22,143 loans actually funded, across 8 kinds of borrowing.
Baldwin County at a glance
29,616Applications decided
2023–2025
22,143Loans funded
75% of decisions
43Census tracts
14 ZIP codes
239,945People
ACS 2023
What the data shows
The typical purchase mortgage here is $295K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 234 applications.
Lending by loan type in Baldwin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.8% | 15,551 | $295K | 95% | 457 |
| Home improvement loans | 64.2% | 2,459 | $65K | 91% | 106 |
| Cash-out refinance | 68.8% | 3,458 | $185K | 95% | 224 |
| Refinance | 77.6% | 2,688 | $255K | 93% | 231 |
| Investment property purchase | 87.2% | 4,234 | $325K | 95% | 480 |
| Investment cash-out refinance | 70.2% | 373 | $265K | 94% | 129 |
| Investment refinance | 87.2% | 619 | $195K | 96% | 173 |
| Investment home improvement | 52.6% | 234 | $155K | 92% | 64 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.