Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Berks County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Berks County, home to Reading, between 2023 and 2025: 30,746 applications, 22,998 loans actually funded, across 8 kinds of borrowing.
Berks County at a glance
30,746Applications decided
2023–2025
22,998Loans funded
75% of decisions
107Census tracts
32 ZIP codes
429,989People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 223 applications.
Lending by loan type in Berks County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.6% | 12,892 | $245K | 95% | 389 |
| Home improvement loans | 66.2% | 6,221 | $65K | 94% | 130 |
| Cash-out refinance | 68.2% | 4,242 | $145K | 95% | 221 |
| Refinance | 76.5% | 4,540 | $115K | 95% | 215 |
| Investment property purchase | 86.0% | 1,545 | $155K | 97% | 194 |
| Investment cash-out refinance | 80.1% | 705 | $135K | 94% | 105 |
| Investment refinance | 77.5% | 378 | $145K | 93% | 81 |
| Investment home improvement | 48.0% | 223 | $95K | 95% | 57 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.