Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Elkhart County, Indiana
Every institution that decided a 1–4 unit mortgage application in Elkhart County between 2023 and 2025: 15,892 applications, 11,964 loans actually funded, across 8 kinds of borrowing.
Elkhart County at a glance
15,892Applications decided
2023–2025
11,964Loans funded
75% of decisions
45Census tracts
11 ZIP codes
206,868People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Lending by loan type in Elkhart County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.3% | 8,113 | $205K | 92% | 207 |
| Home improvement loans | 71.2% | 2,217 | $55K | 94% | 73 |
| Cash-out refinance | 70.2% | 2,658 | $135K | 95% | 144 |
| Refinance | 82.1% | 2,302 | $75K | 94% | 123 |
| Investment property purchase | 90.7% | 364 | $155K | 95% | 80 |
| Investment cash-out refinance | 64.0% | 100 | $125K | 91% | 49 |
| Investment refinance | 81.6% | 87 | $115K | 94% | 33 |
| Investment home improvement | 54.9% | 51 | $85K | 96% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.