Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Union County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Union County, home to Indian Trail, between 2023 and 2025: 25,534 applications, 19,773 loans actually funded, across 8 kinds of borrowing.
Union County at a glance
25,534Applications decided
2023–2025
19,773Loans funded
77% of decisions
48Census tracts
7 ZIP codes
244,975People
ACS 2023
What the data shows
The typical purchase mortgage here is $395K.
Lending by loan type in Union County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.8% | 12,162 | $395K | 96% | 438 |
| Home improvement loans | 64.3% | 3,871 | $105K | 93% | 117 |
| Cash-out refinance | 73.7% | 3,954 | $205K | 95% | 238 |
| Refinance | 77.5% | 4,006 | $245K | 95% | 236 |
| Investment property purchase | 92.7% | 1,088 | $255K | 95% | 192 |
| Investment cash-out refinance | 66.3% | 190 | $215K | 96% | 75 |
| Investment refinance | 73.1% | 175 | $275K | 94% | 66 |
| Investment home improvement | 43.2% | 88 | $75K | 92% | 30 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.