Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for King County, Washington
Every institution that decided a 1–4 unit mortgage application in King County, home to Seattle, between 2023 and 2025: 128,727 applications, 102,915 loans actually funded, across 8 kinds of borrowing.
King County at a glance
128,727Applications decided
2023–2025
102,915Loans funded
80% of decisions
494Census tracts
80 ZIP codes
2,262,713People
ACS 2023
What the data shows
The typical purchase mortgage here is $625K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 1,494 applications.
Lending by loan type in King County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.0% | 64,813 | $625K | 97% | 541 |
| Home improvement loans | 68.4% | 19,428 | $105K | 94% | 197 |
| Cash-out refinance | 71.3% | 12,276 | $305K | 94% | 342 |
| Refinance | 79.9% | 20,579 | $585K | 95% | 385 |
| Investment property purchase | 88.3% | 5,979 | $505K | 96% | 333 |
| Investment cash-out refinance | 71.5% | 1,914 | $435K | 91% | 243 |
| Investment refinance | 74.4% | 2,244 | $525K | 93% | 234 |
| Investment home improvement | 57.0% | 1,494 | $105K | 90% | 105 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.