Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Osceola County, Florida
Every institution that decided a 1–4 unit mortgage application in Osceola County, home to Kissimmee, between 2023 and 2025: 48,140 applications, 33,627 loans actually funded, across 8 kinds of borrowing.
Osceola County at a glance
48,140Applications decided
2023–2025
33,627Loans funded
70% of decisions
59Census tracts
14 ZIP codes
406,943People
ACS 2023
What the data shows
Lenders approved 80.3% of home-purchase applications in Osceola County, 3.3 points below the Florida rate.
The typical purchase mortgage here is $365K.
Investment home improvement is the hardest money to get here: lenders approved 36% of 301 applications.
Lending by loan type in Osceola County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 80.3% | 25,350 | $365K | 97% | 520 |
| Home improvement loans | 43.7% | 3,733 | $75K | 88% | 113 |
| Cash-out refinance | 57.8% | 6,131 | $195K | 93% | 267 |
| Refinance | 62.7% | 2,831 | $355K | 85% | 229 |
| Investment property purchase | 83.6% | 8,205 | $295K | 95% | 492 |
| Investment cash-out refinance | 67.8% | 1,070 | $215K | 90% | 174 |
| Investment refinance | 63.8% | 519 | $305K | 88% | 165 |
| Investment home improvement | 36.2% | 301 | $135K | 91% | 64 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.