Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Seminole County, Florida
Every institution that decided a 1–4 unit mortgage application in Seminole County, home to Sanford, between 2023 and 2025: 33,952 applications, 24,603 loans actually funded, across 8 kinds of borrowing.
Seminole County at a glance
33,952Applications decided
2023–2025
24,603Loans funded
72% of decisions
89Census tracts
16 ZIP codes
474,912People
ACS 2023
What the data shows
Lenders approved 87.5% of home-purchase applications in Seminole County, 3.8 points above the Florida rate.
The typical purchase mortgage here is $355K.
Investment home improvement is the hardest money to get here: lenders approved 41% of 182 applications.
Lending by loan type in Seminole County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.5% | 16,719 | $355K | 96% | 546 |
| Home improvement loans | 58.1% | 5,218 | $85K | 91% | 142 |
| Cash-out refinance | 66.9% | 5,952 | $155K | 94% | 269 |
| Refinance | 69.0% | 3,211 | $245K | 91% | 259 |
| Investment property purchase | 84.9% | 1,798 | $265K | 96% | 274 |
| Investment cash-out refinance | 66.5% | 573 | $205K | 92% | 135 |
| Investment refinance | 70.2% | 299 | $245K | 77% | 101 |
| Investment home improvement | 41.2% | 182 | $105K | 93% | 52 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.