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State markets/California/Monterey County

COUNTY MORTGAGE MARKET · FIPS 06053

Monterey County, California

Who lends in Monterey 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

$2.47B

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

Originations · 2025

4,439

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

Denial rate · 2025

18.8%

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

Lenders active · 2025

363

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 363 lenders that originated in Monterey County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

296

unconcentrated

Top-5 lender share

29.6%

of originations

Purchase

50.4%

1,812 loans

Refinance

49.6%

1,783 loans

Origination trend

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

Lenders in Monterey 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 Monterey 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 MONTEREY COUNTY →

TOP TEN LENDERS IN MONTEREY 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.

521$289.8M$289.8M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
358$157.0M$157.0M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
151$108.2M$108.2M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
154$89.7M$89.7M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
134$87.1M$87.1M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
120$67.3M$67.3M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
30$52.9M$52.9M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
63$52.6M$52.6M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
63$52.3M$52.3M originated in Monterey County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
96$51.0M$51.0M originated in Monterey 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 Monterey County

All 33 ZIP Code Tabulation Areas that touch Monterey 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.
33 OF 33 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 16 Monterey County tracts this ZIP area touches sit mostly inside it.60,06388.8%8,680——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 13 Monterey County tracts this ZIP area touches sit mostly inside it.59,20796.9%4,732——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Monterey County tracts this ZIP area touches sit mostly inside it.38,36163.2%7,041——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Monterey County tracts this ZIP area touches sit mostly inside it.35,54169.6%4,337——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 19 Monterey County tracts this ZIP area touches sit mostly inside it.30,76935.7%5,775——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Monterey County tracts this ZIP area touches sit mostly inside it.29,40392.4%2,733——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Monterey County tracts this ZIP area touches sit mostly inside it.26,92675.1%4,288——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Monterey County tracts this ZIP area touches sit mostly inside it.22,83571.0%4,650——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Monterey County tracts this ZIP area touches sit mostly inside it.16,52887.8%2,231——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Monterey County tracts this ZIP area touches sit mostly inside it.16,51968.1%1,941——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Monterey County tracts this ZIP area touches sit mostly inside it.16,19694.6%1,595——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Monterey County tracts this ZIP area touches sit mostly inside it.15,08229.3%3,275——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Monterey County tracts this ZIP area touches sit mostly inside it.14,50683.0%2,116——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Monterey County tracts this ZIP area touches sit mostly inside it.12,87220.9%4,281——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Monterey County tracts this ZIP area touches sit mostly inside it.9,81088.6%1,068——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Monterey County tracts this ZIP area touches sit mostly inside it.7,62761.0%1,761——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Monterey County tracts this ZIP area touches sit mostly inside it.6,28491.8%919——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 7 Monterey County tracts this ZIP area touches sit mostly inside it.6,18921.3%1,769——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Monterey County tracts this ZIP area touches sit mostly inside it.4,14922.6%1,479——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Monterey County tracts this ZIP area touches sit mostly inside it.3,86633.8%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Monterey County tracts this ZIP area touches sit mostly inside it.3,22013.3%993——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Monterey County tract this ZIP area touches sit mostly inside it.3,11342.5%688——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 Monterey 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 3 tracts of Monterey 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.

103 of Monterey County’s 104 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. 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 Monterey County

All 104 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.

104 OF 104 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper123.7%2,32882.3%OPEN →
Moderate73.5%4,35487.8%OPEN →
Middle102.2%3,77984.4%OPEN →
Upper155.4%3,34687.3%OPEN →
Middle90.9%6,45193.7%OPEN →
Moderate76.6%7,39690.9%OPEN →
Middle89.1%4,74485.3%OPEN →
Moderate67.7%8,17588.0%OPEN →
Low48.9%4,89298.8%OPEN →
Moderate73.5%4,28192.3%OPEN →
Moderate53.5%6,85398.5%OPEN →
Moderate59.4%6,42798.7%OPEN →
Low49.6%6,19498.8%OPEN →
Moderate73.8%5,57997.7%OPEN →
Low41.4%5,91296.7%OPEN →
Upper123.0%3,29560.3%OPEN →
Moderate61.0%2,73390.3%OPEN →
Upper121.4%2,91468.3%OPEN →
Middle110.5%6,41263.0%OPEN →
Upper129.9%2,88663.9%OPEN →
Middle91.5%4,18082.1%OPEN →
Middle93.9%4,40585.8%OPEN →
Middle88.2%5,95587.7%OPEN →
Moderate62.1%4,41093.1%OPEN →
Upper173.3%3,25256.5%OPEN →
Middle102.1%4,37564.5%OPEN →
Upper129.2%4,82755.8%OPEN →
Middle91.0%1,29063.2%OPEN →
Middle80.7%7,51595.2%OPEN →
Middle116.7%6,92559.6%OPEN →
Moderate79.7%5,38888.9%OPEN →
Middle80.9%5,64988.5%OPEN →
Moderate66.3%5,54292.9%OPEN →
Upper134.7%8,29988.2%OPEN →
Middle110.9%5,95494.7%OPEN →
Middle112.0%5,16297.6%OPEN →
Middle80.4%7,92888.7%OPEN →
Moderate61.2%4,38098.7%OPEN →
Middle82.8%3,56389.9%OPEN →
Upper182.1%3,96822.7%OPEN →
Moderate65.1%5,14894.0%OPEN →
—0.0%5,97982.9%OPEN →
Upper191.3%3,63119.4%OPEN →
Upper148.5%2,55823.9%OPEN →
Moderate80.0%73054.0%OPEN →
Moderate65.1%4,63298.0%OPEN →
Middle93.4%5,10695.0%OPEN →
Moderate78.9%7,33894.1%OPEN →
Upper154.5%2,09489.7%OPEN →
Middle88.5%7,66895.8%OPEN →
Moderate75.3%7,79897.1%OPEN →
Moderate68.9%4,25494.7%OPEN →
Low44.8%5,25392.8%OPEN →
Moderate77.9%3,71667.7%OPEN →
Moderate71.9%4,11792.0%OPEN →
Moderate64.4%3,44296.7%OPEN →
Middle100.5%3,11342.5%OPEN →
Moderate69.7%1,47432.4%OPEN →
Upper130.9%2,04319.4%OPEN →
Upper140.1%2,96318.3%OPEN →
Upper199.0%2,59917.6%OPEN →
Upper223.9%3,79321.7%OPEN →
Upper185.0%1,65414.2%OPEN →
Upper262.4%1,56612.3%OPEN →
Upper220.2%2,42425.3%OPEN →
Upper231.7%1,72519.0%OPEN →
Upper147.1%3,63739.9%OPEN →
Upper164.1%2,24127.0%OPEN →
Upper169.9%2,64525.1%OPEN →
Middle117.4%1,85427.0%OPEN →
Upper164.9%1,67322.6%OPEN →
Upper154.5%3,03227.2%OPEN →
Upper126.4%2,49733.9%OPEN →
Middle114.7%2,61741.3%OPEN →
Middle109.1%3,86633.8%OPEN →
Upper130.6%3,48037.8%OPEN →
Upper194.2%5,38426.6%OPEN →
Middle94.8%3,27936.8%OPEN →
Middle109.7%1,84832.3%OPEN →
Upper197.6%4,16323.3%OPEN →
Upper121.2%5,92151.4%OPEN →
Upper141.1%1,58031.8%OPEN →
Middle106.2%4,55765.1%OPEN →
Moderate68.4%4,26074.5%OPEN →
Moderate64.7%4,89090.0%OPEN →
Middle94.9%5,36881.1%OPEN →
Upper125.2%2,58465.5%OPEN →
Moderate63.0%2,57270.1%OPEN →
Moderate75.0%3,98467.8%OPEN →
—0.0%2,52358.5%OPEN →
Middle101.2%3,38059.8%OPEN →
Middle97.1%4,98153.9%OPEN →
Middle116.7%3,80657.3%OPEN →
Upper191.6%7,00033.6%OPEN →
Middle96.2%5,15270.6%OPEN →
Middle87.7%4,00372.1%OPEN →
Upper155.7%3,65461.4%OPEN →
Upper129.1%4,25166.7%OPEN →
Middle86.6%4,96366.3%OPEN →
Middle94.7%5,40084.8%OPEN →
Upper123.6%6,99169.9%OPEN →
Middle92.3%6,28491.8%OPEN →
—0.0%10100.0%OPEN →
—0.0%00.0%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

437,613

Median household income

$97,230

Median home value

$781,000

Median gross rent

$2,055

per month

Owner-occupied

52.1%

of occupied units

Housing units

145,469

8.9% vacant

Poverty rate

12.7%

Unemployment

5.2%

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 98.7

Social vulnerability

Relatively Moderate

Community resilience

Relatively Low

ELEVATED PERILS

Inland flooding Relatively High · Wildfire Relatively High · Earthquake Relatively High · Drought Very High · Landslide 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

98

Declarations recorded

33

Incident types on record: Biological, Coastal Storm, Drought, Earthquake, Fire, Flood, Freezing, Hurricane, Severe Storm, Tsunami.

Everything we hold on Monterey 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 Monterey County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Monterey County →Every reported application and origination in FIPS 06053, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Monterey 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

153

—

Purchase share

42.5%

65 loans

IRRRL refinances

69

Cash-out refinances

19

2026153—656919
2025157—823639
2024101—681518
2023108—87219
2022——12697138
20211,145—164783198
20201,056—208649199
2019430—188106136
2018425—20364158
2017564—206143215
2016600—187230183
2015558—193201164

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 Monterey 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

Monterey 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

663

+29.5% vs 2024

Multifamily · 2025

112

−32.1% vs 2024

Total authorized · 2025

775

+14.5% vs 2024

Permit valuation · 2025

$168.7M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
06251.3K1.9K2.5K1990199219941996199820002002200420062008201020122014201620182020202220242025775 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 Monterey County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS1,1332,144$105.1M
inflow2223Other flows - South, DS8561,566$71.0M
inflow2223Santa Cruz County, CA7211,337$57.0M
outflow2223Other flows - West, DS6801,205$62.9M
outflow2223Santa Clara County, CA606967$53.5M
inflow2223Santa Clara County, CA577943$120.8M
outflow2223Santa Cruz County, CA545966$32.7M
inflow2223Other flows - West, DS457758$35.3M
outflow2223Other flows - Midwest, DS434856$31.8M
outflow2223Los Angeles County, CA346471$24.1M
outflow2223San Diego County, CA310488$14.7M
inflow2223Other flows - Midwest, DS304528$24.6M
inflow2223Los Angeles County, CA299428$31.5M
inflow2223Other flows - Northeast, DS298470$31.8M
outflow2223Other flows - Northeast, DS275457$25.6M
outflow2223Sacramento County, CA259386$15.1M
outflow2223San Benito County, CA234457$15.7M
inflow2223San Diego County, CA226385$21.3M
outflow2223Fresno County, CA212411$12.6M
outflow2223Yuma County, AZ201406$7.5M
outflow2223Alameda County, CA181258$12.5M
inflow2223Sacramento County, CA178284$13.4M
inflow2223Fresno County, CA172290$10.8M
outflow2223Merced County, CA171388$8.1M
inflow2223Alameda County, CA170256$29.6M
outflow2223San Luis Obispo County, CA166259$13.2M
inflow2223San Benito County, CA155242$13.5M
outflow2223Maricopa County, AZ153262$13.4M
outflow2223Clark County, NV152251$11.3M
outflow2223Orange County, CA143228$10.9M
outflow2223Foreign - APO/FPO ZIPs, FR130293$10.6M
outflow2223Contra Costa County, CA127212$17.0M
inflow2223Foreign - APO/FPO ZIPs, FR126306$11.2M
inflow2223San Luis Obispo County, CA126180$8.4M
outflow2223Honolulu County, HI125212$8.0M
outflow2223San Francisco County, CA124150$11.1M
inflow2223San Mateo County, CA109172$39.8M
outflow2223Riverside County, CA107188$6.5M
outflow2223Kern County, CA106224$5.6M
inflow2223Contra Costa County, CA105157$17.5M
inflow2223Orange County, CA104144$7.7M
outflow2223Ventura County, CA92165$5.0M
inflow2223San Francisco County, CA87124$20.3M
outflow2223San Mateo County, CA86124$16.2M
inflow2223Merced County, CA83148$4.5M
inflow2223Ventura County, CA83132$5.5M
inflow2223Yuma County, AZ81156$3.9M
inflow2223Riverside County, CA80146$5.3M
outflow2223Bexar County, TX80154$4.2M
outflow2223San Joaquin County, CA79133$4.9M
outflow2223Tulare County, CA78171$4.4M
inflow2223Santa Barbara County, CA76110$4.2M
outflow2223Foreign - Other flows, FR75131$8.0M
outflow2223Stanislaus County, CA75146$4.2M
inflow2223Kern County, CA74130$3.1M
outflow2223Santa Barbara County, CA74118$4.9M
inflow2223Maricopa County, AZ72115$4.8M
inflow2223San Bernardino County, CA72115$3.8M
outflow2223San Bernardino County, CA70125$3.8M
inflow2223San Joaquin County, CA68128$4.7M
inflow2223Honolulu County, HI66116$5.4M
inflow2223Clark County, NV6697$3.0M
outflow2223Sonoma County, CA6485$6.7M
outflow2223Richmond County, GA64107$3.1M
outflow2223Placer County, CA61100$6.2M
outflow2223King County, WA6082$8.5M
outflow2223Madera County, CA59129$4.6M
inflow2223Stanislaus County, CA5990$4.3M
outflow2223Anne Arundel County, MD57114$3.9M
outflow2223Yolo County, CA5469$3.4M
inflow2223Tulare County, CA4888$2.8M
outflow2223Washoe County, NV4872$4.5M
outflow2223Cook County, IL4764$3.6M
inflow2223Onslow County, NC47106$3.2M
inflow2223Placer County, CA4668$3.5M
outflow2223Tom Green County, TX4565$1.4M
inflow2223Foreign - Other flows, FR4470$1.8M
outflow2223Butte County, CA4472$2.3M
outflow2223Kings County, CA4486$2.1M
inflow2223Solano County, CA4496$3.9M
inflow2223Anne Arundel County, MD4396$4.4M
inflow2223Bexar County, TX4185$3.6M
outflow2223El Paso County, CO4190$2.7M
inflow2223Madera County, CA4076$1.9M
outflow2223Multnomah County, OR3962$2.7M
outflow2223Harris County, TX3978$3.1M
outflow2223Solano County, CA3979$2.5M
outflow2223Pierce County, WA3976$3.0M
outflow2223Pima County, AZ3759$2.7M
inflow2223Washoe County, NV3750$4.6M
inflow2223Sonoma County, CA3746$4.5M
inflow2223King County, WA3650$5.3M
inflow2223Yolo County, CA3345$1.9M
outflow2223Ada County, ID3365$3.8M
outflow2223District of Columbia, DC3245$3.6M
outflow2223Cumberland County, NC3059$2.2M
inflow2223Harris County, TX2841$1.7M
outflow2223Fairfax County, VA2870$3.1M
outflow2223Kings County, NY2832$1.5M
outflow2223Imperial County, CA2747$1.0M
inflow2223Pima County, AZ2645$1.7M
outflow2223Tuolumne County, CA2641$1.6M
outflow2223Shasta County, CA2639$2.1M
inflow2223Multnomah County, OR2633$2.4M
outflow2223Columbia County, GA2547$1.3M
outflow2223Sarpy County, NE2532$1.3M
inflow2223El Paso County, CO2442$1.6M
outflow2223Arapahoe County, CO2440$1.1M
outflow2223Clark County, WA2434$1.4M
outflow2223Tarrant County, TX2343$2.4M
outflow2223Thurston County, WA2343$2.0M
outflow2223Marin County, CA2333$5.5M
inflow2223Pierce County, WA2347$1.1M
inflow2223Cumberland County, NC2350$1.3M
inflow2223Fairfax County, VA2351$3.3M
outflow2223Onslow County, NC2343$1.4M
outflow2223Jackson County, OR2337$1.9M
outflow2223Dallas County, TX2233$1.6M
outflow2223El Paso County, TX2243$1.4M
outflow2223Howard County, MD2233$1.3M
outflow2223Okaloosa County, FL2236$1.1M
outflow2223El Dorado County, CA2235$3.1M
inflow2223El Dorado County, CA2233$2.4M
inflow2223Imperial County, CA2240$821K
inflow2223Marin County, CA2234$3.7M
inflow2223Shasta County, CA2137$1.9M
outflow2223New York County, NY2123$2.1M
outflow2223Bell County, TX2139$1.1M
inflow2223Kitsap County, WA2137$2.6M
outflow2223Humboldt County, CA2127$1.3M
outflow2223Salt Lake County, UT2133$1.0M
inflow2223Chesapeake city, VA2049$1.7M
outflow2223Stafford County, VA2077$2.2M
inflow2223Kings County, CA2030$1.0M
inflow2223Cook County, IL2036$3.2M
outflow2223Prince George's County, MD2036$1.1M
outflow2223Travis County, TX2023$1.1M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,1862,271$106.7M
inflow2122Other flows - South, DS8161,588$80.4M
inflow2122Santa Cruz County, CA7831,501$65.0M
inflow2122Santa Clara County, CA6701,147$171.0M
outflow2122Other flows - West, DS6571,235$97.8M
outflow2122Santa Clara County, CA6421,003$59.5M
outflow2122Santa Cruz County, CA5281,002$30.0M
inflow2122Other flows - West, DS465812$110.2M
outflow2122Other flows - Midwest, DS374667$31.2M
inflow2122Los Angeles County, CA373567$39.5M
outflow2122Los Angeles County, CA362487$23.7M
outflow2122San Diego County, CA327529$28.5M
outflow2122Sacramento County, CA310464$21.1M
inflow2122Other flows - Midwest, DS292510$22.7M
outflow2122Fresno County, CA271471$14.5M
outflow2122Other flows - Northeast, DS270481$24.4M
inflow2122Other flows - Northeast, DS252408$27.8M
inflow2122San Diego County, CA235393$16.9M
outflow2122San Benito County, CA217391$21.8M
inflow2122Sacramento County, CA213319$25.0M
inflow2122Alameda County, CA207342$46.0M
outflow2122Merced County, CA206448$11.7M
outflow2122Clark County, NV190313$11.3M
inflow2122Fresno County, CA182307$14.9M
outflow2122San Luis Obispo County, CA181294$12.0M
outflow2122Alameda County, CA175271$15.7M
outflow2122Yuma County, AZ172342$8.6M
outflow2122Kern County, CA156317$6.3M
inflow2122San Benito County, CA150283$10.6M
outflow2122Maricopa County, AZ149262$10.3M
inflow2122San Luis Obispo County, CA147240$10.4M
outflow2122Orange County, CA146231$9.1M
outflow2122Foreign - APO/FPO ZIPs, FR144346$12.2M
inflow2122Contra Costa County, CA142237$20.4M
outflow2122San Francisco County, CA140177$22.0M
outflow2122Riverside County, CA138247$9.5M
inflow2122San Mateo County, CA129220$54.9M
inflow2122Orange County, CA127188$34.5M
inflow2122Ventura County, CA122191$4.9M
outflow2122San Joaquin County, CA115190$6.6M
inflow2122Riverside County, CA115186$7.0M
outflow2122Contra Costa County, CA113192$13.0M
inflow2122Foreign - APO/FPO ZIPs, FR111286$11.3M
outflow2122Honolulu County, HI108196$6.5M
outflow2122Bexar County, TX104227$6.4M
outflow2122Ventura County, CA97170$8.8M
inflow2122Kern County, CA95156$3.8M
inflow2122San Francisco County, CA95145$125.2M
inflow2122Merced County, CA92184$4.5M
outflow2122Stanislaus County, CA91170$7.1M
inflow2122Stanislaus County, CA90169$11.4M
inflow2122San Joaquin County, CA87146$9.4M
inflow2122Yuma County, AZ86154$3.3M
inflow2122Maricopa County, AZ85127$11.0M
outflow2122San Mateo County, CA84115$10.8M
outflow2122Tulare County, CA81178$4.2M
outflow2122Santa Barbara County, CA78120$4.1M
inflow2122San Bernardino County, CA78120$3.6M
outflow2122Anne Arundel County, MD77163$4.5M
inflow2122Santa Barbara County, CA77118$4.1M
outflow2122King County, WA7596$7.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Monterey County.

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

2023PurchaseNo CharacteristicAll Appraisals1,315.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals643.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,958.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals805,000.0
2023BothNo CharacteristicAll Appraisals800,000.0
2023PurchaseNo CharacteristicAll Appraisals795,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals835,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals835,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,519.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals830,000.0
2022BothNo CharacteristicAll Appraisals3,391.0
2022PurchaseNo CharacteristicAll Appraisals1,872.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals795,000.0
2021BothNo CharacteristicAll Appraisals7,749.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,417.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021RefinanceNo CharacteristicAll Appraisals5,332.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals780,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals760,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals7,768.0
2020PurchaseNo CharacteristicAll Appraisals2,207.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2020BothNo CharacteristicAll Appraisals664,000.0
2020RefinanceNo CharacteristicAll Appraisals662,000.0
2020RefinanceNo CharacteristicAll Appraisals5,561.0
2020PurchaseNo CharacteristicAll Appraisals665,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals605,000.0
2019PurchaseNo CharacteristicAll Appraisals2,118.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals605,000.0
2019BothNo CharacteristicAll Appraisals6,267.0
2019RefinanceNo CharacteristicAll Appraisals4,149.0
2019PurchaseNo CharacteristicAll Appraisals604,500.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2018RefinanceNo CharacteristicAll Appraisals550,000.0
2018BothNo CharacteristicAll Appraisals4,971.0
2018PurchaseNo CharacteristicAll Appraisals2,409.0
2018RefinanceNo CharacteristicAll Appraisals2,562.0
2018BothNo CharacteristicAll Appraisals570,000.0
2018PurchaseNo CharacteristicAll Appraisals590,000.0
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals530,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals5,702.0
2017PurchaseNo CharacteristicAll Appraisals2,195.0
2017PurchaseNo CharacteristicAll Appraisals574,000.0
2017RefinanceNo CharacteristicAll Appraisals3,507.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017BothNo CharacteristicAll Appraisals544,000.0
2016PurchaseNo CharacteristicAll Appraisals1,984.0
2016RefinanceNo CharacteristicAll Appraisals500,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals525,000.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals507,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016BothNo CharacteristicAll Appraisals7,556.0
2016RefinanceNo CharacteristicAll Appraisals5,572.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals470,000.0
2015PurchaseNo CharacteristicAll Appraisals0.5
2015RefinanceNo CharacteristicAll Appraisals459,000.0
2015BothNo CharacteristicAll Appraisals6,383.0
2015RefinanceNo CharacteristicAll Appraisals4,493.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.4
2015PurchaseNo CharacteristicAll Appraisals1,890.0
2015BothNo CharacteristicAll Appraisals460,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals415,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05225,946212,62913,3175.9%
2026-04223,180207,04416,1367.2%
2026-03215,027193,42721,60010.0%
2026-02214,899191,75323,14610.8%
2026-01208,378186,32822,05010.6%
2025-12211,574191,96319,6119.3%
2025-11220,827205,62615,2016.9%
2025-09229,583216,88412,6995.5%
2025-08233,615220,06513,5505.8%
2025-07233,268218,99114,2776.1%
2025-06231,053216,59214,4616.3%
2025-05229,686214,64915,0376.5%
2025-04225,593207,09418,4998.2%
2025-03213,295190,18923,10610.8%
2025-02212,771188,93823,83311.2%
2025-01208,638186,50522,13310.6%
2024-12206,718188,34818,3708.9%
2024-11214,824201,41613,4086.2%
2024-10224,547212,72611,8215.3%
2024-09227,212215,95411,2585.0%
2024-08230,579217,57113,0085.6%
2024-07230,347216,33514,0126.1%
2024-06229,393215,63913,7546.0%
2024-05224,678211,12113,5576.0%
2024-04221,677204,39717,2807.8%
2024-03213,352191,35821,99410.3%
2024-02211,091187,26823,82311.3%
2024-01204,257182,89821,35910.5%
2023-12202,684183,92718,7579.3%
2023-11216,238203,48012,7585.9%
2023-10223,033211,62411,4095.1%
2023-09227,619216,95610,6634.7%
2023-08228,946217,05611,8905.2%
2023-07230,123218,28711,8365.1%
2023-06226,597213,82012,7775.6%
2023-05222,474208,32014,1546.4%
2023-04214,344197,78916,5557.7%
2023-03207,422186,30121,12110.2%
2023-02207,384185,91521,46910.4%
2023-01199,579180,00919,5709.8%
2022-12201,402185,52215,8807.9%
2022-11210,534198,59811,9365.7%
2022-10219,298209,5959,7034.4%
2022-09226,054217,3068,7483.9%
2022-08226,671216,7959,8764.4%
2022-07227,444217,37610,0684.4%
2022-06225,505214,90310,6024.7%
2022-05223,178212,47210,7064.8%
2022-04219,291205,21814,0736.4%
2022-03207,955189,73618,2198.8%
2022-02206,192185,97520,2179.8%
2022-01202,945182,87020,0759.9%
2021-12200,359184,23416,1258.0%
2021-11210,809198,48812,3215.8%
2021-10215,847203,94211,9055.5%
2021-09218,563206,32612,2375.6%
2021-08220,505206,02014,4856.6%
2021-07221,581205,70515,8767.2%
2021-06219,484201,69617,7888.1%
2021-05215,855198,77117,0847.9%
2021-04212,733192,23220,5019.6%
2021-03200,023176,14623,87711.9%
2021-02199,077174,01925,05812.6%
2021-01195,511170,39725,11412.8%
2020-12194,109172,75721,35211.0%
2020-11202,437185,74116,6968.2%
2020-10209,132193,63115,5017.4%
2020-09214,311197,02417,2878.1%
2020-08217,765199,43118,3348.4%
2020-07219,845196,83623,00910.5%
2020-06221,652194,84726,80512.1%
2020-05214,322181,77632,54615.2%
2020-04215,986174,03141,95519.4%
2020-03217,715187,63830,07713.8%
2020-02212,726191,05721,66910.2%
2020-01208,969187,69721,27210.2%
2019-12207,008190,79216,2167.8%
2019-11215,867205,06710,8005.0%
2019-10222,062213,0009,0624.1%
2019-09225,639217,1998,4403.7%
2019-08226,105216,2599,8464.4%
2019-07228,476217,62610,8504.7%
2019-06228,172217,10711,0654.8%
2019-05225,985214,96011,0254.9%
2019-04221,323205,39715,9267.2%
2019-03213,533192,25821,27510.0%
2019-02212,493190,12622,36710.5%
2019-01208,571186,66021,91110.5%
2018-12208,952191,45617,4968.4%
2018-11216,036205,01111,0255.1%
2018-10221,767212,3259,4424.3%
2018-09225,952216,8709,0824.0%
2018-08225,951215,90710,0444.4%
2018-07229,208218,23910,9694.8%
2018-06228,808217,17111,6375.1%
2018-05226,003214,09611,9075.3%
2018-04221,399205,67615,7237.1%
2018-03215,117194,29920,8189.7%
2018-02213,568191,51022,05810.3%
2018-01207,149186,51320,63610.0%

BEA Personal Income

2024$32.36B436,251$74K
2023$30.34B435,637$70K
2022$28.63B436,427$66K
2021$28.53B439,245$65K
2020$26.81B440,506$61K
2019$24.50B440,023$56K
2018$23.00B439,285$52K
2017$22.77B439,011$52K
2016$22.27B437,926$51K
2015$21.59B433,948$50K
2014$19.99B431,037$46K
2013$19.01B428,497$44K
2012$18.26B425,838$43K
2011$17.46B421,275$41K
2010$17.08B416,536$41K
2009$16.45B410,263$40K
2008$16.42B406,022$40K
2007$16.34B402,376$41K
2006$15.70B401,831$39K
2005$14.53B405,139$36K
2004$14.03B408,731$34K
2003$13.66B409,725$33K
2002$13.03B408,977$32K
2001$12.87B407,082$32K
2000$12.68B402,990$31K
1999$11.52B396,267$29K
1998$10.78B387,889$28K
1997$9.90B376,794$26K
1996$9.24B362,215$26K
1995$8.91B355,486$25K
1994$8.37B352,363$24K
1993$8.35B371,002$23K
1992$8.21B371,860$22K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-03-31$0$0$0No
2024-03-06$303K$212K$91KYes
2024-03-06$20K$12K$8KNo
2024-03-06$42K$30K$12KYes
2023-03-19$24K$24K$0No
2023-03-17$76K$76K$0Yes
2023-03-14$37K$37K$0No
2023-03-14$4K$4K$0No
2023-03-13$155K$155K$0No
2023-03-13$126K$126K$0No
2023-03-13$0$0$0No
2023-03-13$45K$45K$0No
2023-03-13$0——No
2023-03-12$22K$22K$0Yes
2023-03-12$195K$193K$2KNo
2023-03-12$16K$16K$0Yes
2023-03-12$105K$100K$5KYes
2023-03-12$6K$6K$0Yes
2023-03-12$23K$23K$0Yes
2023-03-12$82K$82K$0Yes
2023-03-12$83K$83K$0Yes
2023-03-12$18K$18K$0No
2023-03-11$94K$94K$0Yes
2023-03-11$75K$66K$9KNo
2023-03-11$39K$22K$17KYes
2023-03-11$5K$5K$0Yes
2023-03-11$139K$109K$0No
2023-03-11$0$0$0Yes
2023-03-11$40K$40K$0No
2023-03-11$288K$188K$100KYes
2023-03-11$134K$134K$0No
2023-03-11$455K$407K$48KNo
2023-03-11$29K$29K$0Yes
2023-03-11$72K$64K$9KYes
2023-03-11$41K$41K$0Yes
2023-03-11$17K$17K$0No
2023-03-11$40K$40K$0Yes
2023-03-11$76K$76K$0No
2023-03-11$43K$43K$0No
2023-03-11$29K$29K$0Yes
2023-03-11$62K$62K$0No
2023-03-11$929.17$929.17$0Yes
2023-03-11$20K$20K$0No
2023-03-11$81K$59K$22KNo
2023-03-11$0$0$0Yes
2023-03-11$0——No
2023-03-11$487K$487K$0No
2023-03-11$4K$4K$0No
2023-03-11$0——Yes
2023-03-11$500K$500K$0No
2023-03-11$32K$32K$0No
2023-03-11$500K$0$500KNo
2023-03-11$12K$12K$0Yes
2023-03-11$0$0$0No
2023-03-11$2K$2K$0No
2023-03-11$68K$68K$0No
2023-03-11$14K$13K$919.92Yes
2023-03-11$335K$0$335KNo
2023-03-11$0$0$0No
2023-03-11$72K$72K$0No
2023-03-11$4K$4K$0Yes
2023-03-11$4K$4K$0Yes
2023-03-11$0$0$0No
2023-03-11$14K$14K$0Yes
2023-03-11$0——No
2023-03-11$627K$500K$127KNo
2023-03-11$8K$8K$0Yes
2023-03-11$42K$42K$0No
2023-03-11$100K$100K$0No
2023-03-11$28K$28K$0Yes
2023-03-11$708$708$0No
2023-03-11$48K$31K$17KYes
2023-03-11$17K$17K$0Yes
2023-03-11$250K$250K$0Yes
2023-03-11$249K$219K$0No
2023-03-11$24K$24K$0Yes
2023-03-11$105K$105K$0Yes
2023-03-11$0——No
2023-03-11$37K$37K$0No
2023-03-11$36K$36K$0No
2023-03-11$500K$0$500KNo
2023-03-11$123K$123K$0Yes
2023-03-11$9K$9K$0No
2023-03-11$39K$39K$0No
2023-03-11$73K$73K$0Yes
2023-03-11$19K$19K$0Yes
2023-03-11$109K$109K$0Yes
2023-03-11$324K$0$324KNo
2023-03-11$25K$25K$180.91No
2023-03-11$30K$0$30KNo
2023-03-11$500K$500K$0No
2023-03-11$147K$147K$0No
2023-03-11$52K$52K$0Yes
2023-03-11$116K$116K$0No
2023-03-11$0$0$0No
2023-03-11$59K$59K$0No
2023-03-11$14K$14K$0No
2023-03-11$0$0$0No
2023-03-11$500K$0$500KNo
2023-03-11$2K$2K$0Yes

ALSO CHECKED

18 more data areas were checked for Monterey 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 CA state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN MONTEREY COUNTY →Opens the loan explorer already filtered to county FIPS 06053.

See the California state market profile for the statewide picture, the California 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.