Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hampshire County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Hampshire County, home to Amherst Town, between 2023 and 2025: 7,516 applications, 6,138 loans actually funded, across 8 kinds of borrowing.
Hampshire County at a glance
7,516Applications decided
2023–2025
6,138Loans funded
82% of decisions
35Census tracts
15 ZIP codes
156,595People
ACS 2023
What the data shows
Lenders approved 94.4% of home-purchase applications in Hampshire County, 3.3 points above the Massachusetts rate.
The typical purchase mortgage here is $315K.
Lending by loan type in Hampshire County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 94.4% | 3,138 | $315K | 97% | 225 |
| Home improvement loans | 78.6% | 1,670 | $75K | 94% | 80 |
| Cash-out refinance | 73.7% | 820 | $165K | 95% | 101 |
| Refinance | 81.7% | 1,313 | $165K | 94% | 107 |
| Investment property purchase | 89.7% | 387 | $325K | 96% | 101 |
| Investment cash-out refinance | 77.6% | 58 | $245K | 89% | 36 |
| Investment refinance | 73.9% | 65 | $355K | 96% | 32 |
| Investment home improvement | 60.0% | 65 | $155K | 95% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.