Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Durham County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Durham County between 2023 and 2025: 24,769 applications, 19,436 loans actually funded, across 8 kinds of borrowing.
Durham County at a glance
24,769Applications decided
2023–2025
19,436Loans funded
78% of decisions
68Census tracts
11 ZIP codes
329,405People
ACS 2023
What the data shows
Lenders approved 92.3% of home-purchase applications in Durham County, 4.7 points above the North Carolina rate.
The typical purchase mortgage here is $355K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 260 applications.
Lending by loan type in Durham County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.3% | 11,589 | $355K | 98% | 412 |
| Home improvement loans | 65.8% | 3,836 | $85K | 92% | 104 |
| Cash-out refinance | 67.1% | 2,906 | $205K | 94% | 193 |
| Refinance | 75.3% | 3,002 | $205K | 93% | 193 |
| Investment property purchase | 90.3% | 2,355 | $275K | 97% | 247 |
| Investment cash-out refinance | 68.1% | 452 | $215K | 91% | 115 |
| Investment refinance | 75.3% | 369 | $255K | 93% | 108 |
| Investment home improvement | 50.4% | 260 | $65K | 95% | 49 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.