Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Westchester County, New York
Every institution that decided a 1–4 unit mortgage application in Westchester County, home to Yonkers, between 2023 and 2025: 39,161 applications, 29,645 loans actually funded, across 8 kinds of borrowing.
Westchester County at a glance
39,161Applications decided
2023–2025
29,645Loans funded
76% of decisions
241Census tracts
60 ZIP codes
996,888People
ACS 2023
What the data shows
The typical purchase mortgage here is $515K.
Investment home improvement is the hardest money to get here: lenders approved 46% of 199 applications.
Lending by loan type in Westchester County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.3% | 21,385 | $515K | 97% | 290 |
| Home improvement loans | 57.3% | 6,604 | $155K | 93% | 115 |
| Cash-out refinance | 71.0% | 3,984 | $235K | 94% | 163 |
| Refinance | 71.9% | 4,215 | $305K | 95% | 173 |
| Investment property purchase | 82.2% | 1,690 | $525K | 95% | 176 |
| Investment cash-out refinance | 74.7% | 720 | $505K | 88% | 112 |
| Investment refinance | 76.6% | 364 | $615K | 92% | 98 |
| Investment home improvement | 45.7% | 199 | $165K | 95% | 43 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.