Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Bernardino County, California
Every institution that decided a 1–4 unit mortgage application in San Bernardino County between 2023 and 2025: 126,642 applications, 89,452 loans actually funded, across 8 kinds of borrowing.
San Bernardino County at a glance
126,642Applications decided
2023–2025
89,452Loans funded
71% of decisions
466Census tracts
71 ZIP codes
2,187,816People
ACS 2023
What the data shows
The typical purchase mortgage here is $455K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 1,206 applications.
Lending by loan type in San Bernardino County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.6% | 55,905 | $455K | 94% | 562 |
| Home improvement loans | 53.4% | 18,269 | $85K | 90% | 207 |
| Cash-out refinance | 68.9% | 25,147 | $215K | 93% | 400 |
| Refinance | 73.0% | 12,463 | $435K | 88% | 398 |
| Investment property purchase | 87.7% | 8,312 | $365K | 94% | 407 |
| Investment cash-out refinance | 74.0% | 3,672 | $295K | 89% | 277 |
| Investment refinance | 75.7% | 1,668 | $375K | 89% | 252 |
| Investment home improvement | 50.4% | 1,206 | $105K | 90% | 106 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.