Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Essex County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Essex County, home to Lynn, between 2023 and 2025: 47,579 applications, 36,799 loans actually funded, across 8 kinds of borrowing.
Essex County at a glance
47,579Applications decided
2023–2025
36,799Loans funded
77% of decisions
173Census tracts
40 ZIP codes
807,258People
ACS 2023
What the data shows
The typical purchase mortgage here is $515K.
Investment home improvement is the hardest money to get here: lenders approved 54% of 413 applications.
Lending by loan type in Essex County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.0% | 20,111 | $515K | 98% | 401 |
| Home improvement loans | 65.0% | 9,996 | $105K | 95% | 187 |
| Cash-out refinance | 70.6% | 5,726 | $255K | 96% | 262 |
| Refinance | 77.6% | 8,130 | $215K | 95% | 278 |
| Investment property purchase | 88.5% | 2,113 | $485K | 96% | 249 |
| Investment cash-out refinance | 73.2% | 600 | $455K | 94% | 147 |
| Investment refinance | 81.0% | 490 | $455K | 96% | 135 |
| Investment home improvement | 53.8% | 413 | $265K | 93% | 83 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.