Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Fresno County, California
Every institution that decided a 1–4 unit mortgage application in Fresno County between 2023 and 2025: 47,452 applications, 34,170 loans actually funded, across 8 kinds of borrowing.
Fresno County at a glance
47,452Applications decided
2023–2025
34,170Loans funded
72% of decisions
225Census tracts
43 ZIP codes
1,012,152People
ACS 2023
What the data shows
The typical purchase mortgage here is $365K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 479 applications.
Lending by loan type in Fresno County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.5% | 22,658 | $365K | 96% | 405 |
| Home improvement loans | 54.0% | 6,618 | $75K | 87% | 131 |
| Cash-out refinance | 66.8% | 8,280 | $205K | 94% | 285 |
| Refinance | 66.5% | 4,238 | $345K | 90% | 242 |
| Investment property purchase | 87.5% | 3,157 | $285K | 96% | 244 |
| Investment cash-out refinance | 73.0% | 1,396 | $215K | 94% | 174 |
| Investment refinance | 74.9% | 626 | $265K | 91% | 141 |
| Investment home improvement | 47.8% | 479 | $85K | 85% | 58 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.