Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Orange County, New York
Every institution that decided a 1–4 unit mortgage application in Orange County, home to Kiryas Joel, between 2023 and 2025: 25,734 applications, 18,425 loans actually funded, across 8 kinds of borrowing.
Orange County at a glance
25,734Applications decided
2023–2025
18,425Loans funded
72% of decisions
92Census tracts
27 ZIP codes
403,840People
ACS 2023
What the data shows
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 44% of 226 applications.
Lending by loan type in Orange County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.7% | 10,323 | $375K | 96% | 247 |
| Home improvement loans | 59.8% | 5,223 | $85K | 88% | 84 |
| Cash-out refinance | 69.3% | 3,406 | $205K | 95% | 130 |
| Refinance | 71.5% | 2,555 | $155K | 92% | 124 |
| Investment property purchase | 85.9% | 2,419 | $335K | 94% | 168 |
| Investment cash-out refinance | 77.9% | 951 | $295K | 93% | 104 |
| Investment refinance | 82.9% | 631 | $385K | 94% | 77 |
| Investment home improvement | 44.2% | 226 | $125K | 94% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.