Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ottawa County, Michigan
Every institution that decided a 1–4 unit mortgage application in Ottawa County, home to Holland, between 2023 and 2025: 24,583 applications, 18,933 loans actually funded, across 8 kinds of borrowing.
Ottawa County at a glance
24,583Applications decided
2023–2025
18,933Loans funded
77% of decisions
64Census tracts
15 ZIP codes
298,614People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 71% of 104 applications.
Lending by loan type in Ottawa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.6% | 12,083 | $305K | 92% | 284 |
| Home improvement loans | 79.2% | 4,250 | $55K | 95% | 95 |
| Cash-out refinance | 77.9% | 2,968 | $155K | 96% | 175 |
| Refinance | 82.0% | 4,385 | $115K | 96% | 185 |
| Investment property purchase | 91.5% | 586 | $295K | 98% | 133 |
| Investment cash-out refinance | 74.7% | 95 | $175K | 96% | 51 |
| Investment refinance | 83.9% | 112 | $215K | 96% | 45 |
| Investment home improvement | 71.2% | 104 | $65K | 95% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.