Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Middlesex County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Middlesex County, home to Cambridge, between 2023 and 2025: 85,641 applications, 69,490 loans actually funded, across 8 kinds of borrowing.
Middlesex County at a glance
85,641Applications decided
2023–2025
69,490Loans funded
81% of decisions
357Census tracts
79 ZIP codes
1,622,896People
ACS 2023
What the data shows
The typical purchase mortgage here is $565K.
Investment home improvement is the hardest money to get here: lenders approved 62% of 758 applications.
Lending by loan type in Middlesex County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.4% | 38,737 | $565K | 98% | 484 |
| Home improvement loans | 70.9% | 15,179 | $135K | 95% | 213 |
| Cash-out refinance | 74.2% | 8,797 | $225K | 97% | 323 |
| Refinance | 79.6% | 15,427 | $305K | 96% | 334 |
| Investment property purchase | 89.8% | 4,730 | $555K | 97% | 292 |
| Investment cash-out refinance | 78.8% | 1,040 | $455K | 94% | 189 |
| Investment refinance | 80.4% | 973 | $545K | 94% | 202 |
| Investment home improvement | 62.4% | 758 | $405K | 97% | 113 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.