Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Thurston County, Washington
Every institution that decided a 1–4 unit mortgage application in Thurston County, home to Lacey, between 2023 and 2025: 23,358 applications, 18,471 loans actually funded, across 8 kinds of borrowing.
Thurston County at a glance
23,358Applications decided
2023–2025
18,471Loans funded
79% of decisions
61Census tracts
11 ZIP codes
296,640People
ACS 2023
What the data shows
The typical purchase mortgage here is $435K.
Investment home improvement is the hardest money to get here: lenders approved 55% of 220 applications.
Lending by loan type in Thurston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.7% | 11,147 | $435K | 96% | 345 |
| Home improvement loans | 70.8% | 3,607 | $65K | 95% | 109 |
| Cash-out refinance | 73.1% | 3,819 | $195K | 95% | 195 |
| Refinance | 81.9% | 3,203 | $445K | 91% | 215 |
| Investment property purchase | 89.8% | 856 | $345K | 96% | 160 |
| Investment cash-out refinance | 73.3% | 270 | $285K | 96% | 87 |
| Investment refinance | 78.8% | 236 | $355K | 88% | 86 |
| Investment home improvement | 55.0% | 220 | $105K | 96% | 42 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.