Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Stanislaus County, California
Every institution that decided a 1–4 unit mortgage application in Stanislaus County, home to Modesto, between 2023 and 2025: 25,777 applications, 18,924 loans actually funded, across 8 kinds of borrowing.
Stanislaus County at a glance
25,777Applications decided
2023–2025
18,924Loans funded
73% of decisions
112Census tracts
19 ZIP codes
552,250People
ACS 2023
What the data shows
The typical purchase mortgage here is $415K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 265 applications.
Lending by loan type in Stanislaus County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.8% | 12,786 | $415K | 96% | 335 |
| Home improvement loans | 54.6% | 3,144 | $75K | 90% | 120 |
| Cash-out refinance | 68.8% | 5,018 | $185K | 94% | 243 |
| Refinance | 70.0% | 2,502 | $375K | 91% | 214 |
| Investment property purchase | 85.3% | 1,158 | $305K | 95% | 180 |
| Investment cash-out refinance | 69.2% | 627 | $245K | 89% | 123 |
| Investment refinance | 71.8% | 277 | $275K | 90% | 91 |
| Investment home improvement | 48.3% | 265 | $135K | 88% | 51 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.