Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Dutchess County, New York
Every institution that decided a 1–4 unit mortgage application in Dutchess County, home to Poughkeepsie, between 2023 and 2025: 17,696 applications, 12,518 loans actually funded, across 8 kinds of borrowing.
Dutchess County at a glance
17,696Applications decided
2023–2025
12,518Loans funded
71% of decisions
82Census tracts
24 ZIP codes
297,144People
ACS 2023
What the data shows
The typical purchase mortgage here is $365K.
Investment home improvement is the hardest money to get here: lenders approved 42% of 161 applications.
Lending by loan type in Dutchess County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.8% | 7,502 | $365K | 95% | 231 |
| Home improvement loans | 66.2% | 4,533 | $75K | 84% | 74 |
| Cash-out refinance | 68.9% | 2,352 | $205K | 95% | 115 |
| Refinance | 72.2% | 1,932 | $115K | 89% | 99 |
| Investment property purchase | 84.8% | 807 | $295K | 96% | 138 |
| Investment cash-out refinance | 79.7% | 271 | $285K | 94% | 77 |
| Investment refinance | 76.1% | 138 | $285K | 92% | 48 |
| Investment home improvement | 42.2% | 161 | $185K | 96% | 35 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.