Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lake County, Indiana
Every institution that decided a 1–4 unit mortgage application in Lake County, home to Hammond, between 2023 and 2025: 38,591 applications, 29,241 loans actually funded, across 8 kinds of borrowing.
Lake County at a glance
38,591Applications decided
2023–2025
29,241Loans funded
76% of decisions
131Census tracts
26 ZIP codes
498,990People
ACS 2023
What the data shows
The typical purchase mortgage here is $235K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 311 applications.
Lending by loan type in Lake County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 17,903 | $235K | 98% | 407 |
| Home improvement loans | 60.7% | 5,577 | $55K | 94% | 121 |
| Cash-out refinance | 65.0% | 6,506 | $135K | 95% | 234 |
| Refinance | 78.3% | 4,324 | $145K | 93% | 235 |
| Investment property purchase | 87.4% | 2,279 | $145K | 96% | 227 |
| Investment cash-out refinance | 78.2% | 1,169 | $115K | 94% | 140 |
| Investment refinance | 77.8% | 522 | $135K | 92% | 99 |
| Investment home improvement | 39.6% | 311 | $75K | 89% | 56 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.