Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Joseph County, Indiana
Every institution that decided a 1–4 unit mortgage application in St. Joseph County, home to South Bend, between 2023 and 2025: 21,793 applications, 16,890 loans actually funded, across 8 kinds of borrowing.
St. Joseph County at a glance
21,793Applications decided
2023–2025
16,890Loans funded
78% of decisions
82Census tracts
20 ZIP codes
272,574People
ACS 2023
What the data shows
The typical purchase mortgage here is $185K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 120 applications.
Lending by loan type in St. Joseph County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 9,725 | $185K | 95% | 297 |
| Home improvement loans | 70.1% | 3,459 | $55K | 93% | 84 |
| Cash-out refinance | 73.3% | 3,991 | $125K | 95% | 155 |
| Refinance | 82.3% | 2,898 | $75K | 94% | 143 |
| Investment property purchase | 89.5% | 1,101 | $145K | 95% | 177 |
| Investment cash-out refinance | 73.2% | 329 | $105K | 94% | 95 |
| Investment refinance | 82.9% | 170 | $135K | 98% | 54 |
| Investment home improvement | 47.5% | 120 | $105K | 91% | 33 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.