Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Henderson County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Henderson County, home to Hendersonville, between 2023 and 2025: 10,138 applications, 7,538 loans actually funded, across 8 kinds of borrowing.
Henderson County at a glance
10,138Applications decided
2023–2025
7,538Loans funded
74% of decisions
30Census tracts
10 ZIP codes
117,387People
ACS 2023
What the data shows
Lenders approved 83.1% of home-purchase applications in Henderson County, 4.5 points below the North Carolina rate.
The typical purchase mortgage here is $325K.
Lending by loan type in Henderson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.1% | 5,032 | $325K | 95% | 284 |
| Home improvement loans | 70.5% | 1,632 | $95K | 94% | 74 |
| Cash-out refinance | 68.8% | 1,305 | $175K | 96% | 140 |
| Refinance | 77.9% | 1,332 | $155K | 94% | 136 |
| Investment property purchase | 86.8% | 554 | $285K | 95% | 147 |
| Investment cash-out refinance | 71.0% | 100 | $255K | 90% | 53 |
| Investment refinance | 74.2% | 97 | $325K | 89% | 43 |
| Investment home improvement | 62.8% | 86 | $105K | 94% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.