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State markets/Alabama/Jefferson County

COUNTY MORTGAGE MARKET · FIPS 01073

Jefferson County, Alabama

Who lends in Jefferson County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$3.66B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

14,244

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

19.3%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

505

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 505 lenders that originated in Jefferson County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

199

unconcentrated

Top-5 lender share

24.2%

of originations

Purchase

65.6%

7,440 loans

Refinance

34.4%

3,910 loans

Origination trend

Annual mortgage origination volume and loan count in Jefferson County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Jefferson County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Jefferson County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR JEFFERSON COUNTY →

TOP TEN LENDERS IN JEFFERSON COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

793$199.3M$199.3M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,098$193.7M$193.7M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
510$190.6M$190.6M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
489$153.4M$153.4M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$147.0M$147.0M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
674$135.9M$135.9M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
316$91.3M$91.3M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
269$89.7M$89.7M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
317$87.8M$87.8M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
738$77.3M$77.3M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Jefferson County

All 64 ZIP Code Tabulation Areas that touch Jefferson County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
64 OF 64 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 19 Jefferson County tracts this ZIP area touches sit mostly inside it.43,98585.3%9,405——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Jefferson County tracts this ZIP area touches sit mostly inside it.39,94450.4%11,375——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Jefferson County tracts this ZIP area touches sit mostly inside it.35,61431.8%7,643——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.34,95724.4%9,572——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Jefferson County tracts this ZIP area touches sit mostly inside it.32,03924.3%9,129——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 13 Jefferson County tracts this ZIP area touches sit mostly inside it.28,80240.0%6,253——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.23,14224.2%6,130——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Jefferson County tracts this ZIP area touches sit mostly inside it.22,94689.5%4,935——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Jefferson County tracts this ZIP area touches sit mostly inside it.21,51939.3%6,431——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Jefferson County tracts this ZIP area touches sit mostly inside it.20,57115.7%4,148——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Jefferson County tracts this ZIP area touches sit mostly inside it.20,47939.4%5,209——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Jefferson County tracts this ZIP area touches sit mostly inside it.19,94690.2%4,396——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Jefferson County tracts this ZIP area touches sit mostly inside it.17,91485.7%5,318——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Jefferson County tracts this ZIP area touches sit mostly inside it.15,37437.9%2,954——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.15,27681.8%2,634——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.15,20275.3%4,445——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.15,14879.5%3,300——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.14,29094.9%3,614——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 10 Jefferson County tracts this ZIP area touches sit mostly inside it.14,22451.2%1,961——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Jefferson County tracts this ZIP area touches sit mostly inside it.13,69035.1%3,526——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.13,62622.6%3,588——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Jefferson County tracts this ZIP area touches sit mostly inside it.13,4316.6%4,260——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Jefferson County tracts this ZIP area touches sit mostly inside it.11,58689.2%2,919——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Jefferson County tracts this ZIP area touches sit mostly inside it.10,56434.0%3,049——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.10,31629.0%2,815——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Jefferson County tracts this ZIP area touches sit mostly inside it.10,00870.4%3,224——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Jefferson County tracts this ZIP area touches sit mostly inside it.9,68976.8%2,280——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.8,25797.1%1,427——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Jefferson County tracts this ZIP area touches sit mostly inside it.7,91656.4%2,486——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Jefferson County tracts this ZIP area touches sit mostly inside it.7,80897.7%1,689——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.7,50195.4%1,538——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.7,34721.9%1,561——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.7,08358.5%2,282——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.6,69513.4%2,136——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.6,36667.2%1,393——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.6,34946.9%2,030——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
33 of the 10 Jefferson County tracts this ZIP area touches sit mostly inside it.6,19797.9%1,205——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.6,05214.6%1,827——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.6,0356.9%1,964——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.5,86097.9%1,540——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Jefferson County tracts this ZIP area touches sit mostly inside it.5,11390.2%1,292——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.5,09513.5%1,697——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.4,02232.7%934——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.3,91812.5%1,181——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.3,91310.6%1,173——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.3,86315.0%1,077——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.3,48862.1%348——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.3,42361.0%164——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Jefferson County tracts this ZIP area touches sit mostly inside it.3,41461.2%1,093——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.1,56578.3%299——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Jefferson County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

189 of Jefferson County’s 189 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Jefferson County

All 189 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

189 OF 189 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low48.8%2,80988.3%OPEN →
Low29.3%1,75789.0%OPEN →
Moderate53.3%2,91293.7%OPEN →
Low32.3%3,03796.2%OPEN →
Low29.0%2,25299.3%OPEN →
Low43.5%3,30698.2%OPEN →
Moderate67.3%4,42097.2%OPEN →
Middle100.8%2,49695.2%OPEN →
Middle80.6%1,79198.5%OPEN →
Moderate50.8%2,45293.8%OPEN →
Moderate60.5%2,66186.9%OPEN →
Low38.5%1,52290.8%OPEN →
Low39.6%3,47881.0%OPEN →
Moderate53.9%2,98683.3%OPEN →
Low43.5%2,39191.8%OPEN →
Moderate58.1%2,99895.6%OPEN →
Middle111.2%3,05033.8%OPEN →
Upper129.7%3,48922.4%OPEN →
Low47.1%2,69342.8%OPEN →
Low45.9%1,24694.5%OPEN →
Upper196.8%1,45428.3%OPEN →
—0.0%2,03486.3%OPEN →
Low45.2%1,83896.5%OPEN →
Moderate74.8%3,20068.5%OPEN →
Moderate62.7%2,56898.5%OPEN →
Low44.5%3,05197.1%OPEN →
Low48.6%1,12599.6%OPEN →
Moderate50.6%75497.3%OPEN →
Low47.6%1,95596.2%OPEN →
Moderate64.6%2,20692.4%OPEN →
Moderate70.1%4,35997.2%OPEN →
Low43.9%4,42396.8%OPEN →
Moderate70.3%4,60797.1%OPEN →
Moderate67.3%3,54798.3%OPEN →
Moderate54.9%97696.5%OPEN →
Low44.4%2,98495.9%OPEN →
Moderate54.2%1,74192.7%OPEN →
—0.0%——OPEN →
Low33.1%3,42361.0%OPEN →
Upper142.0%3,48223.2%OPEN →
Upper201.2%3,13615.3%OPEN →
Upper307.0%2,01113.3%OPEN →
Upper144.6%1,21131.8%OPEN →
Upper128.6%3,55539.3%OPEN →
Moderate74.2%3,37440.2%OPEN →
Low25.7%1,08196.4%OPEN →
Moderate55.0%2,57597.2%OPEN →
Moderate61.4%2,43584.0%OPEN →
Moderate56.1%3,36599.3%OPEN →
Middle104.7%3,48459.1%OPEN →
Low31.3%1,94386.2%OPEN →
Middle86.6%5,05323.4%OPEN →
Moderate68.9%1,99097.2%OPEN →
—0.0%3,07997.8%OPEN →
Moderate59.2%2,80368.7%OPEN →
Middle89.7%5,14980.7%OPEN →
Moderate66.7%5,57786.5%OPEN →
Moderate72.6%2,06081.5%OPEN →
Moderate53.2%3,64487.2%OPEN →
Moderate78.1%2,51491.8%OPEN →
Moderate77.5%5,10993.6%OPEN →
Moderate54.1%5,68153.8%OPEN →
Middle86.7%5,15548.1%OPEN →
—0.0%1,38198.3%OPEN →
Low38.7%2,28581.3%OPEN →
Moderate64.3%2,44887.0%OPEN →
—0.0%3,87098.0%OPEN →
Low49.0%3,55682.8%OPEN →
Moderate71.0%1,98283.0%OPEN →
Moderate55.1%1,58187.9%OPEN →
Moderate68.3%2,27798.2%OPEN →
Low42.6%4,59598.1%OPEN →
Moderate69.8%93695.2%OPEN →
Upper135.3%1,81741.0%OPEN →
Upper174.5%4,89820.6%OPEN →
Upper263.7%2,5529.5%OPEN →
Upper130.6%5,27955.7%OPEN →
Upper208.8%4,12512.9%OPEN →
Middle93.7%4,89342.8%OPEN →
Upper265.6%7,1127.8%OPEN →
Upper337.6%3,6334.0%OPEN →
Upper160.7%6,51438.9%OPEN →
Upper253.5%3,3125.9%OPEN →
Upper208.6%6,4868.3%OPEN →
Upper157.0%1,45022.0%OPEN →
Moderate52.6%4,71980.2%OPEN →
Moderate56.3%1,97455.2%OPEN →
Moderate59.8%2,19428.9%OPEN →
Upper131.4%3,64322.4%OPEN →
Upper124.7%5,17227.3%OPEN →
Upper197.6%4,27312.1%OPEN →
Upper131.9%5,81338.8%OPEN →
Moderate53.4%3,98768.2%OPEN →
Middle89.2%4,00672.3%OPEN →
Upper146.1%8,01918.6%OPEN →
Upper138.6%5,73623.8%OPEN →
Upper120.8%2,81916.6%OPEN →
Middle104.6%6,02041.7%OPEN →
Middle102.6%2,17243.9%OPEN →
Middle116.8%5,41331.7%OPEN →
Moderate63.7%5,10382.8%OPEN →
Middle89.6%4,55955.7%OPEN →
Middle93.0%3,23688.6%OPEN →
Moderate73.1%3,71075.2%OPEN →
Middle92.1%3,56228.2%OPEN →
Upper129.3%3,91310.6%OPEN →
Middle109.4%3,74810.7%OPEN →
Moderate62.3%2,51724.5%OPEN →
Upper141.9%4,1786.7%OPEN →
Middle82.4%6,0356.9%OPEN →
Upper120.6%3,86315.0%OPEN →
Middle107.2%4,3439.9%OPEN →
Middle87.8%2,30421.1%OPEN →
Middle80.7%3,82528.4%OPEN →
Upper139.4%6,29729.8%OPEN →
Middle108.9%4,95634.6%OPEN →
Middle113.2%3,72113.7%OPEN →
Moderate58.2%4,90289.1%OPEN →
Moderate68.4%2,98788.5%OPEN →
Moderate51.4%3,55272.8%OPEN →
Moderate61.4%3,65180.6%OPEN →
Moderate54.3%2,92658.8%OPEN →
Middle85.6%2,04494.7%OPEN →
Middle104.0%4,24967.0%OPEN →
Upper139.9%2,24649.2%OPEN →
Middle102.6%5,67059.2%OPEN →
Moderate78.4%4,27763.6%OPEN →
Middle82.3%2,80650.7%OPEN →
Middle95.6%4,02232.7%OPEN →
Middle116.3%3,91812.5%OPEN →
Middle83.2%2,52760.9%OPEN →
Middle114.5%3,58186.9%OPEN →
Middle96.0%3,90061.5%OPEN →
Middle97.9%3,66094.3%OPEN →
Moderate69.1%3,08976.9%OPEN →
Middle91.9%3,41461.2%OPEN →
Moderate77.3%4,16053.9%OPEN →
Moderate79.5%3,10649.4%OPEN →
Middle97.4%4,08143.5%OPEN →
Upper244.9%7,34721.9%OPEN →
Upper129.0%2,50517.8%OPEN →
Upper158.1%3,10912.5%OPEN →
Upper134.3%3,74711.9%OPEN →
Upper141.0%2,25533.4%OPEN →
Upper278.9%4,7677.7%OPEN →
Middle102.9%5,15134.2%OPEN →
Moderate58.0%4,35253.2%OPEN →
Upper153.6%4,70321.9%OPEN →
Upper230.2%6,7579.2%OPEN →
Middle100.7%4,42167.7%OPEN →
Upper143.5%2,20614.2%OPEN →
Upper150.1%3,94816.1%OPEN →
Upper147.2%3,06628.0%OPEN →
Middle93.0%2,47262.8%OPEN →
Middle85.5%2,84168.2%OPEN →
Middle89.3%3,23935.4%OPEN →
Upper190.5%3,57212.7%OPEN →
Low49.0%1,81198.1%OPEN →
Low42.3%3,87098.2%OPEN →
Moderate73.8%2,18994.5%OPEN →
Moderate56.0%3,07492.9%OPEN →
Moderate76.5%4,42094.0%OPEN →
Moderate74.3%2,91895.4%OPEN →
Moderate68.0%1,90791.2%OPEN →
Moderate70.7%1,56578.3%OPEN →
Middle94.0%2,26951.3%OPEN →
Middle87.2%3,8648.7%OPEN →
Upper135.7%3,51029.5%OPEN →
Middle84.1%3,82060.8%OPEN →
Middle103.0%5,05777.4%OPEN →
Middle83.7%3,00218.3%OPEN →
Middle104.1%2,0936.7%OPEN →
Upper148.9%3,21352.5%OPEN →
Upper120.5%5,25645.6%OPEN →
Upper127.9%6,34946.9%OPEN →
Upper155.1%6,43329.6%OPEN →
Upper152.8%4,61249.4%OPEN →
Middle93.0%3,01448.9%OPEN →
Upper166.1%6,55738.6%OPEN →
Middle91.0%4,50456.0%OPEN →
Upper161.8%5,91835.4%OPEN →
Middle104.8%4,22631.8%OPEN →
Upper163.7%6,21916.0%OPEN →
Middle98.7%4,23559.1%OPEN →
Upper126.6%3,34117.4%OPEN →
Upper184.4%5,56832.0%OPEN →
Upper150.7%4,32912.3%OPEN →
Upper187.4%7,00619.7%OPEN →
Upper206.1%3,91841.0%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

667,755

Median household income

$66,388

Median home value

$240,000

Median gross rent

$1,193

per month

Owner-occupied

63.9%

of occupied units

Housing units

310,789

13.2% vacant

Poverty rate

15.7%

Unemployment

4.7%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 97.6

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Very High · Strong wind Relatively High · Heat wave Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

82

Declarations recorded

39

Incident types on record: Biological, Drought, Fire, Flood, Hurricane, Severe Storm, Snowstorm, Tornado.

Everything we hold on Jefferson County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Jefferson County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Jefferson County →Every reported application and origination in FIPS 01073, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Jefferson County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

894

—

Purchase share

41.3%

369 loans

IRRRL refinances

351

Cash-out refinances

174

2026894—369351174
20251,000—518254228
2024750—471101178
2023726—51523188
2022——604230398
20212,075—6331,191251
20201,699—564917218
2019981—578126277
2018948—578128242
20171,236—564356316
20161,154—532371251
2015981—432343206

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Jefferson County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Jefferson County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

1,592

+3.6% vs 2024

Multifamily · 2025

799

+37.5% vs 2024

Total authorized · 2025

2,391

+12.9% vs 2024

Permit valuation · 2025

$743.9M

authorized construction value

Units authorized by year

Jefferson County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420252,391 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Jefferson County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Shelby County, AL2,8895,207$229.5M
inflow2223Shelby County, AL2,3793,920$188.3M
inflow2223Other flows - South, DS1,7152,803$114.5M
outflow2223Other flows - South, DS1,6142,817$126.5M
outflow2223St. Clair County, AL1,0722,090$74.1M
inflow2223St. Clair County, AL7221,305$42.1M
inflow2223Tuscaloosa County, AL6311,043$37.6M
outflow2223Tuscaloosa County, AL5741,004$28.4M
inflow2223Other flows - Midwest, DS512881$36.7M
outflow2223Madison County, AL455736$31.7M
outflow2223Other flows - Midwest, DS440753$27.3M
outflow2223Blount County, AL439847$26.8M
outflow2223Other flows - West, DS424718$32.3M
inflow2223Other flows - West, DS388646$27.1M
inflow2223Blount County, AL356666$19.0M
outflow2223Walker County, AL350693$20.9M
inflow2223Madison County, AL350529$18.6M
inflow2223Other flows - Northeast, DS330538$27.9M
outflow2223Other flows - Northeast, DS313484$25.5M
inflow2223Walker County, AL295600$13.1M
inflow2223Montgomery County, AL281452$16.5M
outflow2223Fulton County, GA246323$20.2M
outflow2223Cullman County, AL222405$17.7M
outflow2223Davidson County, TN213265$19.4M
inflow2223Mobile County, AL205322$11.2M
outflow2223Baldwin County, AL202370$17.8M
outflow2223Talladega County, AL179315$11.2M
inflow2223Fulton County, GA175263$17.6M
inflow2223Lee County, AL172253$8.3M
outflow2223Montgomery County, AL169269$8.0M
inflow2223Davidson County, TN157240$15.2M
inflow2223Talladega County, AL156252$6.4M
inflow2223Cullman County, AL154270$8.8M
outflow2223Mobile County, AL149216$7.6M
inflow2223Baldwin County, AL147224$9.7M
outflow2223Lee County, AL145220$9.0M
inflow2223Calhoun County, AL138221$6.9M
inflow2223Etowah County, AL132206$6.1M
outflow2223Dallas County, TX131202$9.6M
outflow2223Calhoun County, AL128223$5.2M
outflow2223DeKalb County, GA117170$7.6M
outflow2223Cobb County, GA117174$8.7M
outflow2223Etowah County, AL117223$6.2M
outflow2223Harris County, TX116198$9.5M
outflow2223Bibb County, AL94185$5.9M
outflow2223Cook County, IL94130$5.9M
inflow2223Cobb County, GA94158$8.8M
outflow2223Gwinnett County, GA91155$5.2M
outflow2223Chilton County, AL90183$4.8M
inflow2223Chilton County, AL86156$3.4M
inflow2223DeKalb County, GA85142$5.2M
inflow2223Gwinnett County, GA85157$4.4M
inflow2223Shelby County, TN83142$6.7M
inflow2223Harris County, TX81125$5.9M
inflow2223Los Angeles County, CA80134$4.5M
outflow2223Morgan County, AL76127$5.0M
outflow2223Limestone County, AL72133$5.8M
inflow2223Elmore County, AL72112$3.8M
inflow2223Bibb County, AL71122$2.5M
outflow2223Mecklenburg County, NC68115$6.0M
outflow2223Escambia County, FL68116$5.0M
outflow2223Los Angeles County, CA6897$5.6M
inflow2223Dallas County, TX67116$5.5M
inflow2223Limestone County, AL67100$5.4M
inflow2223Hillsborough County, FL66116$5.0M
inflow2223Marshall County, AL6494$3.5M
inflow2223Dallas County, AL62106$1.8M
inflow2223Hamilton County, TN62102$4.7M
inflow2223Autauga County, AL6191$3.9M
inflow2223Morgan County, AL6195$4.3M
outflow2223Hillsborough County, FL60114$6.5M
outflow2223Travis County, TX5976$4.8M
inflow2223Lauderdale County, AL5975$2.3M
outflow2223New York County, NY5759$3.8M
outflow2223Duval County, FL5676$3.8M
outflow2223Hamilton County, TN5692$3.9M
inflow2223Houston County, AL5676$2.8M
inflow2223Cook County, IL5695$3.8M
outflow2223Elmore County, AL5596$6.0M
outflow2223Tarrant County, TX54102$2.7M
inflow2223Escambia County, FL5384$4.6M
inflow2223Broward County, FL5382$3.5M
inflow2223Tallapoosa County, AL5280$4.7M
inflow2223Miami-Dade County, FL5298$3.1M
outflow2223Shelby County, TN5178$3.5M
outflow2223Maricopa County, AZ5075$4.1M
inflow2223Hinds County, MS4870$2.7M
outflow2223Charleston County, SC4866$4.9M
inflow2223Tarrant County, TX4771$3.2M
inflow2223Orange County, FL4673$2.1M
inflow2223Mecklenburg County, NC4572$3.8M
inflow2223Pinellas County, FL4462$2.1M
outflow2223Bay County, FL4482$3.6M
outflow2223Kings County, NY4450$2.2M
outflow2223Knox County, TN4469$2.7M
outflow2223Collin County, TX4480$4.5M
outflow2223King County, WA4464$4.8M
outflow2223District of Columbia, DC4347$3.7M
inflow2223Maricopa County, AZ4375$2.3M
outflow2223Denver County, CO4348$3.4M
outflow2223Wake County, NC4264$3.2M
outflow2223Bexar County, TX4266$3.0M
inflow2223Duval County, FL4264$2.4M
outflow2223Orange County, FL4268$2.1M
outflow2223Foreign - Overseas, FR4275$2.4M
outflow2223Pinellas County, FL4159$4.0M
outflow2223Clark County, NV4059$2.4M
inflow2223Clark County, NV4068$1.3M
outflow2223Greenville County, SC4066$3.1M
outflow2223Lauderdale County, AL3963$2.5M
outflow2223Orleans Parish, LA3856$4.0M
outflow2223Autauga County, AL3770$2.4M
inflow2223Pike County, AL3747$1.4M
outflow2223Marshall County, AL3766$2.4M
inflow2223Wayne County, MI3654$1.5M
inflow2223Palm Beach County, FL3556$3.5M
outflow2223Guilford County, NC3555$2.2M
inflow2223Charleston County, SC3458$3.1M
outflow2223Dallas County, AL3454$1.0M
inflow2223San Diego County, CA3461$3.5M
inflow2223Clayton County, GA3369$1.2M
inflow2223Orleans Parish, LA3349$1.7M
outflow2223Okaloosa County, FL3255$4.9M
outflow2223Walton County, FL3257$5.6M
outflow2223Denton County, TX3257$3.8M
inflow2223Walton County, FL3148$9.0M
inflow2223Colbert County, AL3040$1.6M
inflow2223Muscogee County, GA3043$2.8M
inflow2223Okaloosa County, FL3059$1.3M
inflow2223Foreign - Other flows, FR3062$1.9M
inflow2223DeKalb County, AL3048$1.2M
outflow2223Chatham County, GA2954$1.7M
inflow2223Williamson County, TN2950$3.1M
inflow2223Travis County, TX2939$3.5M
outflow2223Fort Bend County, TX2964$2.7M
inflow2223Bexar County, TX2846$2.0M
outflow2223Henry County, GA2853$1.3M
outflow2223El Paso County, CO2842$2.0M
inflow2223Lowndes County, MS2850$1.4M
outflow2223Colbert County, AL2750$1.7M
outflow2223San Diego County, CA2746$2.4M
outflow2223St. Louis County, MO2743$1.8M
inflow2223Marengo County, AL2737$774K
inflow2223District of Columbia, DC2740$3.6M
inflow2223Greenville County, SC2745$2.2M
inflow2223Knox County, TN2746$1.6M
outflow2223Clayton County, GA2647$1.0M
outflow2223Muscogee County, GA2648$1.3M
outflow2223Suffolk County, MA2636$1.8M
inflow2223Jefferson Parish, LA2643$1.4M
inflow2223Winston County, AL2642$2.6M
outflow2223Houston County, AL2635$1.2M
inflow2223Franklin County, OH2645$1.9M
inflow2223Kings County, NY2535$1.6M
inflow2223Collin County, TX2544$2.1M
outflow2223DeKalb County, AL2538$1.9M
outflow2223Queens County, NY2537$840K
outflow2223Wayne County, MI2551$658K
outflow2223Jefferson County, KY2552$1.3M
outflow2223Palm Beach County, FL2537$2.4M
outflow2223Winston County, AL2555$2.4M
inflow2223Coffee County, AL2527$756K
inflow2223San Bernardino County, CA2541$1.3M
inflow2223Santa Rosa County, FL2540$1.3M
inflow2223Carroll County, GA2542$1.8M
inflow2223Madison County, MS2547$2.3M
inflow2223New York County, NY2532$2.3M
inflow2223Forsyth County, GA2435$1.5M
inflow2223Marion County, AL2436$1.6M
inflow2223East Baton Rouge Parish, LA2443$2.0M
inflow2223Rankin County, MS2428$1.1M
outflow2223Franklin County, OH2442$1.3M
outflow2223Tallapoosa County, AL2446$3.4M
inflow2223Oakland County, MI2446$1.9M
inflow2223Jefferson County, KY2440$2.1M
outflow2223Douglas County, GA2344$1.4M
inflow2223Dale County, AL2341$932K
outflow2223Polk County, FL2334$1.2M
inflow2223Philadelphia County, PA2339$1.6M
outflow2223Williamson County, TX2347$2.5M
outflow2223Williamson County, TN2340$3.2M
outflow2223Paulding County, GA2340$1.4M
outflow2223Hamilton County, OH2228$1.0M
outflow2223Rutherford County, TN2235$967K
outflow2223Allegheny County, PA2229$1.7M
outflow2223Montgomery County, MD2244$4.8M
outflow2223Santa Rosa County, FL2233$2.7M
inflow2223Denver County, CO2228$1.8M
inflow2223Bay County, FL2232$1.6M
inflow2223Polk County, FL2234$1.4M
inflow2223Harrison County, MS2232$1.7M
inflow2223Lauderdale County, MS2235$1.1M
inflow2223Rutherford County, TN2233$873K
inflow2223Bibb County, GA2135$1.1M
inflow2223Middlesex County, MA2136$1.8M
inflow2223Cuyahoga County, OH2136$1.7M
outflow2223Prince George's County, MD2133$895K
outflow2223Brevard County, FL2130$915K
outflow2223Broward County, FL2133$2.0M
outflow2223Miami-Dade County, FL2142$5.8M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Jefferson County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals5,024.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals1,707.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals6,731.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals240,000.0
2023BothNo CharacteristicAll Appraisals268,000.0
2023PurchaseNo CharacteristicAll Appraisals280,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals275,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals285,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals3,217.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals250,000.0
2022BothNo CharacteristicAll Appraisals9,850.0
2022PurchaseNo CharacteristicAll Appraisals6,633.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals285,000.0
2021BothNo CharacteristicAll Appraisals14,341.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals7,914.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals6,427.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals275,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals270,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals15,504.0
2020PurchaseNo CharacteristicAll Appraisals7,850.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals284,000.0
2020RefinanceNo CharacteristicAll Appraisals322,000.0
2020RefinanceNo CharacteristicAll Appraisals7,654.0
2020PurchaseNo CharacteristicAll Appraisals250,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals253,000.0
2019PurchaseNo CharacteristicAll Appraisals6,810.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals285,000.0
2019BothNo CharacteristicAll Appraisals10,705.0
2019RefinanceNo CharacteristicAll Appraisals3,895.0
2019PurchaseNo CharacteristicAll Appraisals240,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals218,000.0
2018BothNo CharacteristicAll Appraisals8,963.0
2018PurchaseNo CharacteristicAll Appraisals6,318.0
2018RefinanceNo CharacteristicAll Appraisals2,645.0
2018BothNo CharacteristicAll Appraisals228,000.0
2018PurchaseNo CharacteristicAll Appraisals232,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals223,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals8,826.0
2017PurchaseNo CharacteristicAll Appraisals5,879.0
2017PurchaseNo CharacteristicAll Appraisals230,000.0
2017RefinanceNo CharacteristicAll Appraisals2,947.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals230,000.0
2016PurchaseNo CharacteristicAll Appraisals5,515.0
2016RefinanceNo CharacteristicAll Appraisals250,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals225,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals235,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals9,779.0
2016RefinanceNo CharacteristicAll Appraisals4,264.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals224,800.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals231,500.0
2015BothNo CharacteristicAll Appraisals8,569.0
2015RefinanceNo CharacteristicAll Appraisals3,466.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals5,103.0
2015BothNo CharacteristicAll Appraisals226,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals212,500.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Jefferson County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05318,080307,21310,8673.4%
2026-04318,273309,7308,5432.7%
2026-03322,293312,9399,3542.9%
2026-02321,610310,99710,6133.3%
2026-01320,932311,2639,6693.0%
2025-12323,050315,4647,5862.3%
2025-11324,353315,9788,3752.6%
2025-09321,868311,9809,8883.1%
2025-08321,650311,6519,9993.1%
2025-07321,678311,7499,9293.1%
2025-06321,456311,5589,8983.1%
2025-05319,911311,8098,1022.5%
2025-04320,871312,8208,0512.5%
2025-03321,784311,9659,8193.1%
2025-02321,041310,54910,4923.3%
2025-01319,661309,06710,5943.3%
2024-12319,268310,2409,0282.8%
2024-11320,634310,6949,9403.1%
2024-10320,282310,4309,8523.1%
2024-09318,887308,85310,0343.1%
2024-08321,081310,19310,8883.4%
2024-07322,056311,38510,6713.3%
2024-06321,234311,04710,1873.2%
2024-05319,248311,5537,6952.4%
2024-04320,195312,6117,5842.4%
2024-03320,209311,1749,0352.8%
2024-02319,932309,64510,2873.2%
2024-01317,158307,3419,8173.1%
2023-12317,943309,8158,1282.6%
2023-11319,643311,5598,0842.5%
2023-10317,961309,4558,5062.7%
2023-09317,482308,8758,6072.7%
2023-08318,549309,7898,7602.7%
2023-07319,293311,0508,2432.6%
2023-06317,888309,3838,5052.7%
2023-05316,740310,1986,5422.1%
2023-04316,653310,9565,6971.8%
2023-03316,336309,3496,9872.2%
2023-02315,199307,3017,8982.5%
2023-01311,883303,9167,9672.6%
2022-12315,817309,5786,2392.0%
2022-11313,955307,0516,9042.2%
2022-10314,097306,3507,7472.5%
2022-09314,173306,3707,8032.5%
2022-08316,022307,0498,9732.8%
2022-07316,805307,8788,9272.8%
2022-06317,707308,3839,3242.9%
2022-05316,876309,9446,9322.2%
2022-04315,891309,1786,7132.1%
2022-03316,132308,2757,8572.5%
2022-02314,677305,4629,2152.9%
2022-01313,580303,7379,8433.1%
2021-12317,047309,1627,8852.5%
2021-11316,891308,8328,0592.5%
2021-10313,827304,6359,1922.9%
2021-09313,075303,4689,6073.1%
2021-08314,246302,72911,5173.7%
2021-07315,543303,41612,1273.8%
2021-06315,253302,01613,2374.2%
2021-05315,234304,50110,7333.4%
2021-04316,706305,20611,5003.6%
2021-03314,042301,50612,5364.0%
2021-02314,778300,85013,9284.4%
2021-01313,407298,38115,0264.8%
2020-12317,721302,54915,1724.8%
2020-11320,508303,95716,5515.2%
2020-10322,241304,06618,1755.6%
2020-09321,433299,61221,8216.8%
2020-08323,509300,12523,3847.2%
2020-07322,003293,46028,5438.9%
2020-06321,296290,40830,8889.6%
2020-05317,752284,11333,63910.6%
2020-04307,093268,36038,73312.6%
2020-03313,971302,81111,1603.6%
2020-02315,843305,8609,9833.2%
2020-01315,808305,10810,7003.4%
2019-12320,438311,8768,5622.7%
2019-11320,728312,3258,4032.6%
2019-10321,207312,6588,5492.7%
2019-09318,310309,5028,8082.8%
2019-08320,313310,19410,1193.2%
2019-07321,335311,07610,2593.2%
2019-06320,438310,05610,3823.2%
2019-05318,540310,2278,3132.6%
2019-04318,266309,7158,5512.7%
2019-03318,826308,15810,6683.3%
2019-02318,963307,35611,6073.6%
2019-01318,199305,24412,9554.1%
2018-12321,999311,13510,8643.4%
2018-11321,048310,55810,4903.3%
2018-10319,221307,89311,3283.5%
2018-09314,951303,58611,3653.6%
2018-08316,638304,21512,4233.9%
2018-07319,360306,57812,7824.0%
2018-06318,459304,89413,5654.3%
2018-05315,130304,69010,4403.3%
2018-04315,438304,78710,6513.4%
2018-03314,728302,82211,9063.8%
2018-02314,632301,86812,7644.1%
2018-01313,055300,07612,9794.1%

BEA Personal Income

2024$50.06B664,744$75K
2023$48.02B664,084$72K
2022$44.95B665,543$68K
2021$43.74B669,677$65K
2020$39.11B674,727$58K
2019$36.85B675,357$55K
2018$35.80B674,672$53K
2017$34.38B673,076$51K
2016$32.58B671,873$48K
2015$32.06B670,261$48K
2014$30.48B667,912$46K
2013$29.41B665,344$44K
2012$29.76B662,275$45K
2011$28.55B660,446$43K
2010$27.72B658,683$42K
2009$26.51B658,441$40K
2008$27.73B656,510$42K
2007$26.92B655,163$41K
2006$26.22B655,893$40K
2005$24.67B654,919$38K
2004$23.71B656,023$36K
2003$22.20B657,513$34K
2002$21.40B657,518$33K
2001$20.77B660,197$31K
2000$20.69B662,033$31K
1999$19.21B662,845$29K
1998$18.58B664,457$28K
1997$17.44B664,268$26K
1996$16.67B665,943$25K
1995$15.98B666,106$24K
1994$15.12B665,429$23K
1993$14.26B663,178$22K
1992$13.72B660,713$21K
1991——$20K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Jefferson County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-12$6K$6K$0Yes
2026-05-27$0——Yes
2026-01-10$4K$4K$0Yes
2025-05-17$3K$3K$0Yes
2025-05-06$0$0$0No
2025-05-01$0——No
2025-03-15$1K$1K$0Yes
2025-03-14$0——Yes
2025-03-08$0——Yes
2025-03-04$0——Yes
2025-02-12$5K$5K$0Yes
2024-11-06$0——Yes
2024-09-15$18K$18K$0Yes
2024-07-27$7K$7K$0Yes
2024-07-24$3K$0$3KNo
2024-07-15$0——Yes
2024-07-08$49K$39K$10KYes
2024-07-08$0——Yes
2024-04-20$13K$13K$0No
2023-08-08$0$0$0Yes
2023-06-19$0$0$0Yes
2023-05-16$0——Yes
2023-05-15$0$0$0Yes
2023-05-15$39K$35K$4KYes
2023-05-15$318K$308K$10KNo
2023-05-15$65K$60K$5KYes
2023-03-08$0$0$0Yes
2023-02-18$0——No
2023-02-10$0$0$0Yes
2023-02-08$0——Yes
2023-01-12$38K$38K$0No
2023-01-11$7K$7K$0Yes
2022-11-15$0$0$0Yes
2022-08-07$0$0$0Yes
2022-06-08$23K$23K$0Yes
2022-06-08$26K$22K$4KNo
2022-06-08$39K$39K$0Yes
2022-06-08$184K$184K$0No
2022-06-08$11K$11K$0No
2022-06-08$4K$4K$0Yes
2022-06-08$8K$7K$894.65Yes
2022-06-08$104K$88K$16KNo
2022-06-08$13K$5K$8KYes
2022-06-08$51K$51K$0No
2022-06-08$2K$2K$0Yes
2022-06-08$378K$378K$0No
2022-06-08$10K$10K$0Yes
2022-06-08$319K$319K$0No
2022-06-08$87K$77K$10KYes
2022-06-08$19K$19K$274.5Yes
2022-06-08$0——No
2022-06-08$9K$9K$0No
2022-06-08$58K$32K$26KYes
2022-06-08$11K$11K$0Yes
2022-06-08$0——Yes
2022-06-08$36K$36K$0Yes
2022-06-08$20K$19K$1KYes
2022-06-08$0——Yes
2022-06-08$3K$3K$0Yes
2022-06-08$4K$4K$0Yes
2022-06-08$129K$129K$0No
2022-06-08$5K$3K$2KYes
2022-06-08$33K$23K$10KYes
2022-06-08$0$0$0Yes
2022-06-08$0——Yes
2022-06-08$34K$34K$0No
2022-06-08$15K$15K$0Yes
2022-06-08$14K$14K$0Yes
2022-06-08$9K$9K$0Yes
2022-06-08$13K$10K$3KYes
2022-06-08$9K$9K$0No
2022-06-08$53K$33K$19KYes
2022-06-07$18K$18K$0No
2022-06-07$7K$7K$0Yes
2022-06-07$49K$49K$0Yes
2022-06-07$8K$8K$0Yes
2022-03-24$2K$2K$0Yes
2022-03-22$1K$1K$0Yes
2022-03-16$6K$6K$0Yes
2022-03-16$987.66$987.66$0No
2022-03-16$14K$14K$0No
2022-03-16$59K$59K$0No
2022-03-16$25K$25K$0No
2022-02-20$41K$41K$0Yes
2022-02-17$14K$14K$0No
2021-12-30$1K$1K$0Yes
2021-10-20$953.7$953.7$0Yes
2021-10-13$0——Yes
2021-10-08$8K$8K$0Yes
2021-10-08$35K$21K$14KYes
2021-10-07$26K$20K$7KYes
2021-10-07$13K$13K$0Yes
2021-10-07$0$0$0Yes
2021-10-07$29K$29K$0Yes
2021-10-07$28K$28K$0Yes
2021-10-07$11K$11K$0No
2021-10-07$16K$16K$0Yes
2021-10-07$18K$18K$0Yes
2021-10-06$39K$22K$18KYes
2021-10-06$31K$28K$4KYes

ALSO CHECKED

18 more data areas were checked for Jefferson County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the AL state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN JEFFERSON COUNTY →Opens the loan explorer already filtered to county FIPS 01073.

See the Alabama state market profile for the statewide picture, the Alabama state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.