Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Jefferson County, New York
Every institution that decided a 1–4 unit mortgage application in Jefferson County, home to Watertown, between 2023 and 2025: 6,452 applications, 4,965 loans actually funded, across 8 kinds of borrowing.
Jefferson County at a glance
6,452Applications decided
2023–2025
4,965Loans funded
77% of decisions
36Census tracts
19 ZIP codes
116,130People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Lending by loan type in Jefferson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.6% | 3,494 | $205K | 95% | 116 |
| Home improvement loans | 71.2% | 1,078 | $45K | 94% | 43 |
| Cash-out refinance | 68.4% | 531 | $155K | 97% | 48 |
| Refinance | 77.7% | 588 | $95K | 94% | 47 |
| Investment property purchase | 89.6% | 512 | $165K | 94% | 79 |
| Investment cash-out refinance | 80.2% | 91 | $135K | 95% | 33 |
| Investment refinance | 73.2% | 71 | $105K | 96% | 27 |
| Investment home improvement | 57.5% | 87 | $85K | 98% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.