Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Chester County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Chester County, home to Phoenixville, between 2023 and 2025: 38,245 applications, 30,612 loans actually funded, across 8 kinds of borrowing.
Chester County at a glance
38,245Applications decided
2023–2025
30,612Loans funded
80% of decisions
124Census tracts
27 ZIP codes
540,896People
ACS 2023
What the data shows
The typical purchase mortgage here is $415K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 252 applications.
Lending by loan type in Chester County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.8% | 16,755 | $415K | 96% | 465 |
| Home improvement loans | 74.0% | 7,330 | $105K | 95% | 169 |
| Cash-out refinance | 75.4% | 5,363 | $155K | 96% | 252 |
| Refinance | 79.1% | 6,417 | $255K | 96% | 274 |
| Investment property purchase | 90.0% | 1,466 | $255K | 97% | 222 |
| Investment cash-out refinance | 70.8% | 346 | $215K | 93% | 112 |
| Investment refinance | 77.5% | 316 | $255K | 97% | 94 |
| Investment home improvement | 56.8% | 252 | $105K | 96% | 62 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.