Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lancaster County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Lancaster County between 2023 and 2025: 35,664 applications, 27,169 loans actually funded, across 8 kinds of borrowing.
Lancaster County at a glance
35,664Applications decided
2023–2025
27,169Loans funded
76% of decisions
116Census tracts
35 ZIP codes
555,151People
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 58% of 297 applications.
Lending by loan type in Lancaster County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.2% | 15,176 | $275K | 96% | 385 |
| Home improvement loans | 69.9% | 7,546 | $75K | 95% | 137 |
| Cash-out refinance | 71.7% | 4,019 | $155K | 95% | 215 |
| Refinance | 75.3% | 6,182 | $155K | 95% | 227 |
| Investment property purchase | 92.2% | 1,624 | $225K | 96% | 175 |
| Investment cash-out refinance | 73.9% | 307 | $165K | 95% | 90 |
| Investment refinance | 82.1% | 513 | $145K | 95% | 79 |
| Investment home improvement | 58.2% | 297 | $105K | 93% | 44 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.