Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Benton County, Washington
Every institution that decided a 1–4 unit mortgage application in Benton County, home to Kennewick, between 2023 and 2025: 16,388 applications, 13,037 loans actually funded, across 8 kinds of borrowing.
Benton County at a glance
16,388Applications decided
2023–2025
13,037Loans funded
80% of decisions
45Census tracts
9 ZIP codes
210,224People
ACS 2023
What the data shows
The typical purchase mortgage here is $375K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 127 applications.
Lending by loan type in Benton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.7% | 8,932 | $375K | 95% | 275 |
| Home improvement loans | 69.8% | 2,151 | $75K | 96% | 81 |
| Cash-out refinance | 72.8% | 2,782 | $175K | 96% | 148 |
| Refinance | 78.8% | 1,553 | $355K | 92% | 146 |
| Investment property purchase | 87.6% | 556 | $305K | 95% | 116 |
| Investment cash-out refinance | 79.1% | 182 | $245K | 94% | 68 |
| Investment refinance | 76.2% | 105 | $305K | 94% | 42 |
| Investment home improvement | 48.0% | 127 | $105K | 95% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.