Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Diego County, California
Every institution that decided a 1–4 unit mortgage application in San Diego County between 2023 and 2025: 167,371 applications, 124,054 loans actually funded, across 8 kinds of borrowing.
San Diego County at a glance
167,371Applications decided
2023–2025
124,054Loans funded
74% of decisions
736Census tracts
90 ZIP codes
3,282,782People
ACS 2023
What the data shows
The typical purchase mortgage here is $675K.
Investment home improvement is the hardest money to get here: lenders approved 51% of 2,155 applications.
Lending by loan type in San Diego County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 67,276 | $675K | 95% | 626 |
| Home improvement loans | 65.5% | 29,529 | $105K | 92% | 231 |
| Cash-out refinance | 71.7% | 28,483 | $235K | 94% | 407 |
| Refinance | 78.7% | 23,191 | $695K | 93% | 459 |
| Investment property purchase | 86.8% | 9,161 | $605K | 95% | 424 |
| Investment cash-out refinance | 75.2% | 4,694 | $445K | 92% | 291 |
| Investment refinance | 77.0% | 2,882 | $605K | 92% | 292 |
| Investment home improvement | 50.9% | 2,155 | $135K | 91% | 126 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.