Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cumberland County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Cumberland County, home to Carlisle, between 2023 and 2025: 20,198 applications, 15,676 loans actually funded, across 8 kinds of borrowing.
Cumberland County at a glance
20,198Applications decided
2023–2025
15,676Loans funded
78% of decisions
55Census tracts
13 ZIP codes
264,422People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 63% of 115 applications.
Lending by loan type in Cumberland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.7% | 8,929 | $275K | 96% | 335 |
| Home improvement loans | 72.0% | 4,294 | $55K | 95% | 99 |
| Cash-out refinance | 68.9% | 1,937 | $165K | 94% | 160 |
| Refinance | 77.0% | 3,545 | $105K | 95% | 165 |
| Investment property purchase | 92.4% | 1,049 | $195K | 96% | 177 |
| Investment cash-out refinance | 79.5% | 127 | $145K | 94% | 59 |
| Investment refinance | 83.2% | 202 | $175K | 97% | 54 |
| Investment home improvement | 62.6% | 115 | $95K | 89% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.