Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for York County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in York County between 2023 and 2025: 39,408 applications, 30,215 loans actually funded, across 8 kinds of borrowing.
York County at a glance
39,408Applications decided
2023–2025
30,215Loans funded
77% of decisions
108Census tracts
33 ZIP codes
459,312People
ACS 2023
What the data shows
The typical purchase mortgage here is $235K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 159 applications.
Lending by loan type in York County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.5% | 18,175 | $235K | 97% | 398 |
| Home improvement loans | 67.2% | 7,356 | $55K | 95% | 139 |
| Cash-out refinance | 68.2% | 4,322 | $165K | 95% | 207 |
| Refinance | 74.5% | 6,473 | $105K | 95% | 225 |
| Investment property purchase | 89.9% | 1,448 | $145K | 97% | 199 |
| Investment cash-out refinance | 85.7% | 574 | $135K | 95% | 88 |
| Investment refinance | 91.0% | 901 | $145K | 96% | 80 |
| Investment home improvement | 49.7% | 159 | $55K | 90% | 42 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.