Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Deschutes County, Oregon
Every institution that decided a 1–4 unit mortgage application in Deschutes County, home to Bend, between 2023 and 2025: 19,018 applications, 15,402 loans actually funded, across 8 kinds of borrowing.
Deschutes County at a glance
19,018Applications decided
2023–2025
15,402Loans funded
81% of decisions
45Census tracts
8 ZIP codes
203,026People
ACS 2023
What the data shows
The typical purchase mortgage here is $475K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 216 applications.
Lending by loan type in Deschutes County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.0% | 8,993 | $475K | 96% | 328 |
| Home improvement loans | 76.1% | 3,378 | $105K | 94% | 108 |
| Cash-out refinance | 75.2% | 2,127 | $255K | 95% | 179 |
| Refinance | 80.3% | 2,243 | $335K | 94% | 176 |
| Investment property purchase | 90.3% | 1,548 | $445K | 97% | 217 |
| Investment cash-out refinance | 81.8% | 264 | $345K | 96% | 80 |
| Investment refinance | 79.1% | 249 | $455K | 90% | 82 |
| Investment home improvement | 56.5% | 216 | $125K | 91% | 50 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.