Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Orange County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Orange County, home to Chapel Hill, between 2023 and 2025: 8,742 applications, 6,911 loans actually funded, across 8 kinds of borrowing.
Orange County at a glance
8,742Applications decided
2023–2025
6,911Loans funded
79% of decisions
42Census tracts
10 ZIP codes
147,292People
ACS 2023
What the data shows
The typical purchase mortgage here is $385K.
Lending by loan type in Orange County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.0% | 3,932 | $385K | 97% | 291 |
| Home improvement loans | 75.3% | 1,571 | $95K | 94% | 79 |
| Cash-out refinance | 72.0% | 896 | $185K | 93% | 131 |
| Refinance | 76.9% | 1,522 | $205K | 95% | 135 |
| Investment property purchase | 88.4% | 545 | $255K | 97% | 140 |
| Investment cash-out refinance | 73.1% | 104 | $275K | 91% | 54 |
| Investment refinance | 78.1% | 96 | $185K | 92% | 42 |
| Investment home improvement | 60.5% | 76 | $65K | 98% | 18 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.