Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Humboldt County, California
Every institution that decided a 1–4 unit mortgage application in Humboldt County, home to Eureka, between 2023 and 2025: 4,339 applications, 3,244 loans actually funded, across 8 kinds of borrowing.
Humboldt County at a glance
4,339Applications decided
2023–2025
3,244Loans funded
75% of decisions
35Census tracts
15 ZIP codes
135,418People
ACS 2023
What the data shows
The typical purchase mortgage here is $355K.
Lending by loan type in Humboldt County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.0% | 2,242 | $355K | 94% | 171 |
| Home improvement loans | 58.3% | 398 | $75K | 91% | 54 |
| Cash-out refinance | 64.3% | 756 | $225K | 94% | 100 |
| Refinance | 72.8% | 427 | $315K | 94% | 98 |
| Investment property purchase | 86.7% | 270 | $315K | 95% | 90 |
| Investment cash-out refinance | 68.7% | 134 | $235K | 92% | 61 |
| Investment refinance | 54.8% | 62 | $195K | 100% | 35 |
| Investment home improvement | 50.0% | 50 | $65K | 96% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.