Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Mecklenburg County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Mecklenburg County, home to Charlotte, between 2023 and 2025: 97,422 applications, 74,999 loans actually funded, across 8 kinds of borrowing.
Mecklenburg County at a glance
97,422Applications decided
2023–2025
74,999Loans funded
77% of decisions
305Census tracts
29 ZIP codes
1,130,906People
ACS 2023
What the data shows
Lenders approved 90.8% of home-purchase applications in Mecklenburg County, 3.2 points above the North Carolina rate.
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 761 applications.
Lending by loan type in Mecklenburg County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.8% | 46,706 | $375K | 97% | 671 |
| Home improvement loans | 62.8% | 14,160 | $105K | 93% | 181 |
| Cash-out refinance | 68.0% | 13,420 | $205K | 94% | 346 |
| Refinance | 75.6% | 12,765 | $265K | 94% | 361 |
| Investment property purchase | 90.2% | 6,418 | $265K | 96% | 412 |
| Investment cash-out refinance | 73.3% | 1,776 | $205K | 92% | 220 |
| Investment refinance | 76.5% | 1,416 | $255K | 93% | 189 |
| Investment home improvement | 48.5% | 761 | $105K | 91% | 100 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.