Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Imperial County, California
Every institution that decided a 1–4 unit mortgage application in Imperial County, home to El Centro, between 2023 and 2025: 6,185 applications, 4,471 loans actually funded, across 8 kinds of borrowing.
Imperial County at a glance
6,185Applications decided
2023–2025
4,471Loans funded
72% of decisions
40Census tracts
11 ZIP codes
179,319People
ACS 2023
What the data shows
The typical purchase mortgage here is $335K.
Lending by loan type in Imperial County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.1% | 3,051 | $335K | 95% | 160 |
| Home improvement loans | 50.5% | 582 | $75K | 91% | 61 |
| Cash-out refinance | 69.3% | 1,428 | $215K | 95% | 145 |
| Refinance | 65.7% | 528 | $335K | 90% | 98 |
| Investment property purchase | 79.8% | 218 | $235K | 94% | 77 |
| Investment cash-out refinance | 78.6% | 248 | $205K | 93% | 76 |
| Investment refinance | 69.1% | 68 | $205K | 77% | 31 |
| Investment home improvement | 41.9% | 62 | $105K | 92% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.