Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lane County, Oregon
Every institution that decided a 1–4 unit mortgage application in Lane County, home to Eugene, between 2023 and 2025: 23,817 applications, 18,152 loans actually funded, across 8 kinds of borrowing.
Lane County at a glance
23,817Applications decided
2023–2025
18,152Loans funded
76% of decisions
92Census tracts
22 ZIP codes
382,628People
ACS 2023
What the data shows
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 53% of 289 applications.
Lending by loan type in Lane County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 11,144 | $375K | 94% | 323 |
| Home improvement loans | 72.4% | 4,789 | $65K | 92% | 91 |
| Cash-out refinance | 69.7% | 3,099 | $205K | 94% | 180 |
| Refinance | 80.2% | 3,010 | $205K | 93% | 191 |
| Investment property purchase | 87.8% | 919 | $315K | 95% | 162 |
| Investment cash-out refinance | 74.9% | 347 | $225K | 91% | 98 |
| Investment refinance | 79.5% | 220 | $255K | 90% | 69 |
| Investment home improvement | 52.9% | 289 | $65K | 92% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.