Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hampden County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Hampden County, home to Springfield, between 2023 and 2025: 28,988 applications, 22,354 loans actually funded, across 8 kinds of borrowing.
Hampden County at a glance
28,988Applications decided
2023–2025
22,354Loans funded
77% of decisions
104Census tracts
30 ZIP codes
462,853People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 179 applications.
Lending by loan type in Hampden County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.3% | 13,701 | $275K | 97% | 319 |
| Home improvement loans | 65.9% | 4,991 | $65K | 95% | 127 |
| Cash-out refinance | 68.6% | 4,091 | $165K | 95% | 170 |
| Refinance | 76.6% | 4,117 | $125K | 94% | 184 |
| Investment property purchase | 86.5% | 1,241 | $255K | 95% | 200 |
| Investment cash-out refinance | 73.0% | 433 | $215K | 92% | 111 |
| Investment refinance | 72.3% | 235 | $245K | 92% | 80 |
| Investment home improvement | 53.1% | 179 | $95K | 96% | 53 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.