Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Flagler County, Florida
Every institution that decided a 1–4 unit mortgage application in Flagler County, home to Palm Coast, between 2023 and 2025: 16,236 applications, 12,016 loans actually funded, across 8 kinds of borrowing.
Flagler County at a glance
16,236Applications decided
2023–2025
12,016Loans funded
74% of decisions
23Census tracts
4 ZIP codes
121,710People
ACS 2023
What the data shows
Lenders approved 86.7% of home-purchase applications in Flagler County, 3.0 points above the Florida rate.
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 44% of 106 applications.
Lending by loan type in Flagler County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.7% | 8,550 | $305K | 97% | 421 |
| Home improvement loans | 55.3% | 1,543 | $65K | 89% | 86 |
| Cash-out refinance | 61.7% | 2,736 | $165K | 95% | 181 |
| Refinance | 70.7% | 1,326 | $325K | 90% | 167 |
| Investment property purchase | 87.9% | 1,584 | $295K | 97% | 299 |
| Investment cash-out refinance | 67.6% | 247 | $235K | 92% | 83 |
| Investment refinance | 70.8% | 144 | $275K | 84% | 60 |
| Investment home improvement | 44.3% | 106 | $125K | 94% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.