Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Merced County, California
Every institution that decided a 1–4 unit mortgage application in Merced County between 2023 and 2025: 12,407 applications, 9,104 loans actually funded, across 8 kinds of borrowing.
Merced County at a glance
12,407Applications decided
2023–2025
9,104Loans funded
73% of decisions
63Census tracts
15 ZIP codes
285,597People
ACS 2023
What the data shows
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 38% of 105 applications.
Lending by loan type in Merced County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.8% | 6,308 | $375K | 96% | 247 |
| Home improvement loans | 58.2% | 1,322 | $75K | 89% | 91 |
| Cash-out refinance | 66.3% | 2,342 | $215K | 94% | 184 |
| Refinance | 70.4% | 1,086 | $345K | 88% | 161 |
| Investment property purchase | 89.0% | 779 | $295K | 96% | 159 |
| Investment cash-out refinance | 70.0% | 327 | $255K | 87% | 97 |
| Investment refinance | 71.0% | 138 | $265K | 89% | 64 |
| Investment home improvement | 38.1% | 105 | $135K | 92% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.