Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Palm Beach County, Florida
Every institution that decided a 1–4 unit mortgage application in Palm Beach County, home to West Palm Beach, between 2023 and 2025: 107,694 applications, 73,493 loans actually funded, across 8 kinds of borrowing.
Palm Beach County at a glance
107,694Applications decided
2023–2025
73,493Loans funded
68% of decisions
372Census tracts
53 ZIP codes
1,507,453People
ACS 2023
What the data shows
The typical purchase mortgage here is $395K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 1,171 applications.
Lending by loan type in Palm Beach County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.0% | 48,466 | $395K | 97% | 812 |
| Home improvement loans | 51.2% | 16,751 | $105K | 89% | 252 |
| Cash-out refinance | 61.2% | 17,065 | $235K | 94% | 436 |
| Refinance | 63.1% | 10,260 | $255K | 92% | 412 |
| Investment property purchase | 82.5% | 9,695 | $345K | 95% | 608 |
| Investment cash-out refinance | 69.1% | 3,080 | $275K | 92% | 280 |
| Investment refinance | 63.5% | 1,206 | $325K | 89% | 248 |
| Investment home improvement | 44.8% | 1,171 | $165K | 90% | 131 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.