Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Philadelphia County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Philadelphia County between 2023 and 2025: 94,380 applications, 64,750 loans actually funded, across 8 kinds of borrowing.
Philadelphia County at a glance
94,380Applications decided
2023–2025
64,750Loans funded
69% of decisions
408Census tracts
47 ZIP codes
1,582,432People
ACS 2023
What the data shows
The typical purchase mortgage here is $265K.
Investment home improvement is the hardest money to get here: lenders approved 37% of 2,435 applications.
Lending by loan type in Philadelphia County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 36,045 | $265K | 97% | 501 |
| Home improvement loans | 48.1% | 15,572 | $55K | 94% | 163 |
| Cash-out refinance | 54.6% | 15,224 | $125K | 95% | 289 |
| Refinance | 64.8% | 6,793 | $135K | 94% | 280 |
| Investment property purchase | 85.5% | 8,893 | $175K | 94% | 376 |
| Investment cash-out refinance | 72.5% | 5,981 | $185K | 92% | 247 |
| Investment refinance | 76.8% | 3,437 | $175K | 91% | 234 |
| Investment home improvement | 37.2% | 2,435 | $105K | 95% | 111 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.