Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cabarrus County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Cabarrus County, home to Concord, between 2023 and 2025: 23,022 applications, 17,651 loans actually funded, across 8 kinds of borrowing.
Cabarrus County at a glance
23,022Applications decided
2023–2025
17,651Loans funded
77% of decisions
47Census tracts
9 ZIP codes
231,262People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 128 applications.
Lending by loan type in Cabarrus County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.5% | 11,150 | $345K | 96% | 392 |
| Home improvement loans | 63.9% | 3,058 | $75K | 95% | 102 |
| Cash-out refinance | 70.2% | 3,521 | $195K | 95% | 211 |
| Refinance | 79.8% | 3,316 | $315K | 95% | 200 |
| Investment property purchase | 91.3% | 1,270 | $255K | 97% | 181 |
| Investment cash-out refinance | 76.4% | 254 | $195K | 93% | 82 |
| Investment refinance | 78.1% | 325 | $215K | 94% | 82 |
| Investment home improvement | 53.1% | 128 | $65K | 93% | 40 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.