Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Worcester County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Worcester County between 2023 and 2025: 58,466 applications, 46,038 loans actually funded, across 8 kinds of borrowing.
Worcester County at a glance
58,466Applications decided
2023–2025
46,038Loans funded
79% of decisions
191Census tracts
73 ZIP codes
861,664People
ACS 2023
What the data shows
The typical purchase mortgage here is $395K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 431 applications.
Lending by loan type in Worcester County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.0% | 26,360 | $395K | 98% | 455 |
| Home improvement loans | 70.2% | 10,804 | $75K | 96% | 183 |
| Cash-out refinance | 70.5% | 9,359 | $185K | 96% | 297 |
| Refinance | 79.0% | 7,474 | $285K | 94% | 298 |
| Investment property purchase | 87.4% | 2,654 | $325K | 97% | 276 |
| Investment cash-out refinance | 74.6% | 842 | $325K | 91% | 153 |
| Investment refinance | 74.7% | 542 | $325K | 93% | 149 |
| Investment home improvement | 56.1% | 431 | $155K | 96% | 80 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.