Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Alachua County, Florida
Every institution that decided a 1–4 unit mortgage application in Alachua County, home to Gainesville, between 2023 and 2025: 16,586 applications, 11,909 loans actually funded, across 8 kinds of borrowing.
Alachua County at a glance
16,586Applications decided
2023–2025
11,909Loans funded
72% of decisions
58Census tracts
16 ZIP codes
281,751People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Lending by loan type in Alachua County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.0% | 9,236 | $285K | 97% | 388 |
| Home improvement loans | 55.8% | 1,818 | $75K | 90% | 82 |
| Cash-out refinance | 66.1% | 2,606 | $155K | 93% | 149 |
| Refinance | 73.2% | 1,194 | $215K | 93% | 145 |
| Investment property purchase | 81.6% | 1,202 | $195K | 97% | 219 |
| Investment cash-out refinance | 63.8% | 296 | $175K | 95% | 82 |
| Investment refinance | 64.3% | 143 | $155K | 86% | 60 |
| Investment home improvement | 45.1% | 91 | $105K | 88% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.