Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Lucie County, Florida
Every institution that decided a 1–4 unit mortgage application in St. Lucie County, home to Port St. Lucie, between 2023 and 2025: 41,802 applications, 28,918 loans actually funded, across 8 kinds of borrowing.
St. Lucie County at a glance
41,802Applications decided
2023–2025
28,918Loans funded
69% of decisions
67Census tracts
15 ZIP codes
346,237People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 262 applications.
Lending by loan type in St. Lucie County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.6% | 22,964 | $345K | 97% | 518 |
| Home improvement loans | 47.0% | 5,042 | $75K | 90% | 140 |
| Cash-out refinance | 61.2% | 6,231 | $175K | 94% | 292 |
| Refinance | 65.0% | 3,453 | $325K | 87% | 256 |
| Investment property purchase | 84.1% | 2,890 | $265K | 95% | 357 |
| Investment cash-out refinance | 67.3% | 661 | $215K | 91% | 137 |
| Investment refinance | 66.6% | 299 | $265K | 88% | 111 |
| Investment home improvement | 45.4% | 262 | $105K | 96% | 56 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.