Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clackamas County, Oregon
Every institution that decided a 1–4 unit mortgage application in Clackamas County, home to Lake Oswego, between 2023 and 2025: 29,092 applications, 22,381 loans actually funded, across 8 kinds of borrowing.
Clackamas County at a glance
29,092Applications decided
2023–2025
22,381Loans funded
77% of decisions
87Census tracts
24 ZIP codes
422,308People
ACS 2023
What the data shows
The typical purchase mortgage here is $485K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 248 applications.
Lending by loan type in Clackamas County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.0% | 13,814 | $485K | 94% | 361 |
| Home improvement loans | 73.6% | 5,675 | $75K | 93% | 121 |
| Cash-out refinance | 71.3% | 3,696 | $205K | 94% | 229 |
| Refinance | 80.2% | 4,093 | $255K | 94% | 236 |
| Investment property purchase | 89.4% | 1,015 | $405K | 95% | 195 |
| Investment cash-out refinance | 75.1% | 305 | $305K | 96% | 103 |
| Investment refinance | 74.8% | 246 | $415K | 93% | 94 |
| Investment home improvement | 50.4% | 248 | $105K | 95% | 44 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.