Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Berrien County, Michigan
Every institution that decided a 1–4 unit mortgage application in Berrien County, home to Niles, between 2023 and 2025: 13,463 applications, 9,814 loans actually funded, across 8 kinds of borrowing.
Berrien County at a glance
13,463Applications decided
2023–2025
9,814Loans funded
73% of decisions
53Census tracts
16 ZIP codes
153,411People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Investment home improvement is the hardest money to get here: lenders approved 58% of 236 applications.
Lending by loan type in Berrien County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.5% | 5,427 | $205K | 94% | 262 |
| Home improvement loans | 70.3% | 2,788 | $45K | 91% | 83 |
| Cash-out refinance | 69.1% | 2,118 | $125K | 95% | 145 |
| Refinance | 76.7% | 1,386 | $105K | 95% | 141 |
| Investment property purchase | 91.3% | 1,145 | $305K | 96% | 211 |
| Investment cash-out refinance | 69.2% | 208 | $175K | 95% | 88 |
| Investment refinance | 72.3% | 155 | $285K | 96% | 67 |
| Investment home improvement | 57.6% | 236 | $105K | 96% | 49 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.