Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for El Dorado County, California
Every institution that decided a 1–4 unit mortgage application in El Dorado County, home to South Lake Tahoe, between 2023 and 2025: 14,603 applications, 11,155 loans actually funded, across 8 kinds of borrowing.
El Dorado County at a glance
14,603Applications decided
2023–2025
11,155Loans funded
76% of decisions
55Census tracts
15 ZIP codes
192,299People
ACS 2023
What the data shows
The typical purchase mortgage here is $485K.
Investment home improvement is the hardest money to get here: lenders approved 55% of 165 applications.
Lending by loan type in El Dorado County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.6% | 6,538 | $485K | 95% | 351 |
| Home improvement loans | 66.2% | 2,416 | $105K | 93% | 119 |
| Cash-out refinance | 70.3% | 2,205 | $165K | 94% | 198 |
| Refinance | 78.4% | 1,749 | $475K | 95% | 211 |
| Investment property purchase | 88.7% | 999 | $425K | 95% | 205 |
| Investment cash-out refinance | 73.8% | 313 | $275K | 89% | 103 |
| Investment refinance | 78.9% | 218 | $445K | 94% | 95 |
| Investment home improvement | 55.1% | 165 | $205K | 92% | 51 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.