Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Contra Costa County, California
Every institution that decided a 1–4 unit mortgage application in Contra Costa County, home to Concord, between 2023 and 2025: 62,227 applications, 47,212 loans actually funded, across 8 kinds of borrowing.
Contra Costa County at a glance
62,227Applications decided
2023–2025
47,212Loans funded
76% of decisions
241Census tracts
40 ZIP codes
1,161,458People
ACS 2023
What the data shows
The typical purchase mortgage here is $625K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 546 applications.
Lending by loan type in Contra Costa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.2% | 28,823 | $625K | 96% | 488 |
| Home improvement loans | 63.2% | 9,346 | $155K | 90% | 178 |
| Cash-out refinance | 67.6% | 9,362 | $255K | 94% | 322 |
| Refinance | 78.8% | 9,850 | $665K | 94% | 348 |
| Investment property purchase | 87.8% | 2,292 | $525K | 96% | 248 |
| Investment cash-out refinance | 74.3% | 1,164 | $375K | 90% | 194 |
| Investment refinance | 74.8% | 844 | $445K | 94% | 164 |
| Investment home improvement | 56.0% | 546 | $175K | 88% | 85 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.