Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Richmond County, New York
Every institution that decided a 1–4 unit mortgage application in Richmond County, home to Staten Island, between 2023 and 2025: 18,556 applications, 13,759 loans actually funded, across 8 kinds of borrowing.
Richmond County at a glance
18,556Applications decided
2023–2025
13,759Loans funded
74% of decisions
125Census tracts
12 ZIP codes
492,734People
ACS 2023
What the data shows
The typical purchase mortgage here is $495K.
Investment home improvement is the hardest money to get here: lenders approved 38% of 105 applications.
Lending by loan type in Richmond County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.6% | 9,682 | $495K | 96% | 206 |
| Home improvement loans | 47.7% | 2,851 | $115K | 96% | 65 |
| Cash-out refinance | 70.9% | 2,229 | $205K | 95% | 130 |
| Refinance | 64.7% | 1,643 | $225K | 94% | 110 |
| Investment property purchase | 89.3% | 1,479 | $475K | 95% | 131 |
| Investment cash-out refinance | 79.8% | 382 | $485K | 92% | 92 |
| Investment refinance | 75.7% | 185 | $525K | 91% | 58 |
| Investment home improvement | 38.1% | 105 | $155K | 98% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.