Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Highlands County, Florida
Every institution that decided a 1–4 unit mortgage application in Highlands County between 2023 and 2025: 8,847 applications, 6,200 loans actually funded, across 8 kinds of borrowing.
Highlands County at a glance
8,847Applications decided
2023–2025
6,200Loans funded
70% of decisions
35Census tracts
8 ZIP codes
103,808People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Home improvement loans is the hardest money to get here: lenders approved 48% of 1,017 applications.
Lending by loan type in Highlands County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.9% | 4,478 | $225K | 97% | 313 |
| Home improvement loans | 48.1% | 1,017 | $55K | 93% | 67 |
| Cash-out refinance | 62.4% | 1,350 | $155K | 94% | 133 |
| Refinance | 70.5% | 808 | $195K | 91% | 104 |
| Investment property purchase | 81.6% | 837 | $185K | 97% | 193 |
| Investment cash-out refinance | 73.5% | 204 | $145K | 95% | 67 |
| Investment refinance | 75.0% | 92 | $175K | 91% | 31 |
| Investment home improvement | 52.5% | 61 | $155K | 94% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.