Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Indian River County, Florida
Every institution that decided a 1–4 unit mortgage application in Indian River County, home to Sebastian, between 2023 and 2025: 14,787 applications, 10,565 loans actually funded, across 8 kinds of borrowing.
Indian River County at a glance
14,787Applications decided
2023–2025
10,565Loans funded
71% of decisions
44Census tracts
8 ZIP codes
163,856People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 127 applications.
Lending by loan type in Indian River County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.7% | 7,140 | $305K | 96% | 408 |
| Home improvement loans | 59.0% | 2,299 | $75K | 90% | 109 |
| Cash-out refinance | 64.8% | 2,318 | $165K | 94% | 183 |
| Refinance | 69.0% | 1,286 | $175K | 92% | 155 |
| Investment property purchase | 86.6% | 1,228 | $255K | 95% | 263 |
| Investment cash-out refinance | 66.7% | 237 | $205K | 94% | 90 |
| Investment refinance | 64.5% | 152 | $245K | 88% | 58 |
| Investment home improvement | 49.6% | 127 | $105K | 89% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.