Skip to main content
MortRadarTERMINAL
State markets/California/San Bernardino County

COUNTY MORTGAGE MARKET · FIPS 06071

San Bernardino County, California

Who lends in San Bernardino 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

$13.78B

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

Originations · 2025

35,751

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

637

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 637 lenders that originated in San Bernardino County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

303

unconcentrated

Top-5 lender share

29.0%

of originations

Purchase

58.6%

17,195 loans

Refinance

41.4%

12,170 loans

Origination trend

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

Lenders in San Bernardino 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 San Bernardino 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 SAN BERNARDINO COUNTY →

TOP TEN LENDERS IN SAN BERNARDINO 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.

4,126$1.84B$1.84B originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2,802$920.0M$920.0M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,192$499.7M$499.7M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
763$404.6M$404.6M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,725$331.3M$331.3M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
866$301.2M$301.2M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
510$277.8M$277.8M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
180$275.1M$275.1M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
650$242.6M$242.6M originated in San Bernardino County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
634$242.0M$242.0M originated in San Bernardino 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 San Bernardino County

All 100 ZIP Code Tabulation Areas that touch San Bernardino 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.
100 OF 100 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1717 of the 22 San Bernardino County tracts this ZIP area touches sit mostly inside it.97,16883.2%19,814——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1919 of the 25 San Bernardino County tracts this ZIP area touches sit mostly inside it.92,90492.4%11,367——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1717 of the 23 San Bernardino County tracts this ZIP area touches sit mostly inside it.85,10092.5%13,147——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 25 San Bernardino County tracts this ZIP area touches sit mostly inside it.84,79369.1%14,925——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 22 San Bernardino County tracts this ZIP area touches sit mostly inside it.81,83179.6%13,973——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 20 San Bernardino County tracts this ZIP area touches sit mostly inside it.75,39880.5%12,432——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 16 San Bernardino County tracts this ZIP area touches sit mostly inside it.71,25770.8%12,519——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 15 San Bernardino County tracts this ZIP area touches sit mostly inside it.69,34776.0%17,520——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 18 San Bernardino County tracts this ZIP area touches sit mostly inside it.65,71785.7%11,678——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 21 San Bernardino County tracts this ZIP area touches sit mostly inside it.65,62382.9%9,529——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 22 San Bernardino County tracts this ZIP area touches sit mostly inside it.61,17785.7%9,482——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 21 San Bernardino County tracts this ZIP area touches sit mostly inside it.60,13889.7%10,169——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 San Bernardino County tracts this ZIP area touches sit mostly inside it.57,46480.6%8,467——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 San Bernardino County tracts this ZIP area touches sit mostly inside it.55,03243.7%13,251——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 San Bernardino County tracts this ZIP area touches sit mostly inside it.54,53488.1%7,485——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 San Bernardino County tracts this ZIP area touches sit mostly inside it.54,51471.6%7,553——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 25 San Bernardino County tracts this ZIP area touches sit mostly inside it.53,73493.6%5,684——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 17 San Bernardino County tracts this ZIP area touches sit mostly inside it.50,40170.8%10,503——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 San Bernardino County tracts this ZIP area touches sit mostly inside it.47,37164.3%8,350——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 San Bernardino County tracts this ZIP area touches sit mostly inside it.47,33371.4%7,661——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 San Bernardino County tracts this ZIP area touches sit mostly inside it.44,17885.4%5,605——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 San Bernardino County tracts this ZIP area touches sit mostly inside it.42,95852.9%9,357——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 San Bernardino County tracts this ZIP area touches sit mostly inside it.42,32454.3%8,482——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 San Bernardino County tracts this ZIP area touches sit mostly inside it.41,93770.5%7,972——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.40,26855.8%10,450——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.39,92487.7%4,733——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.38,74487.8%3,890——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 San Bernardino County tracts this ZIP area touches sit mostly inside it.37,54291.7%7,521——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 San Bernardino County tracts this ZIP area touches sit mostly inside it.36,81068.8%5,680——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.35,01489.5%4,982——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 San Bernardino County tracts this ZIP area touches sit mostly inside it.32,99844.6%7,302——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.31,48890.3%5,227——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 San Bernardino County tracts this ZIP area touches sit mostly inside it.27,96749.0%7,917——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 San Bernardino County tracts this ZIP area touches sit mostly inside it.26,81334.5%7,259——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 San Bernardino County tracts this ZIP area touches sit mostly inside it.26,56496.4%3,585——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 San Bernardino County tracts this ZIP area touches sit mostly inside it.24,67373.8%3,109——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 San Bernardino County tracts this ZIP area touches sit mostly inside it.21,42770.2%3,748——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 San Bernardino County tracts this ZIP area touches sit mostly inside it.21,33379.6%2,698——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 San Bernardino County tracts this ZIP area touches sit mostly inside it.20,99457.2%5,000——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 San Bernardino County tracts this ZIP area touches sit mostly inside it.18,96546.2%3,495——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 San Bernardino County tracts this ZIP area touches sit mostly inside it.18,26651.4%5,099——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 San Bernardino County tracts this ZIP area touches sit mostly inside it.15,34069.0%2,838——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 San Bernardino County tracts this ZIP area touches sit mostly inside it.15,08147.5%1,030——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 San Bernardino County tracts this ZIP area touches sit mostly inside it.14,72082.7%3,296——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 San Bernardino County tracts this ZIP area touches sit mostly inside it.10,28629.7%2,388——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 San Bernardino County tracts this ZIP area touches sit mostly inside it.10,11232.1%2,723——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 San Bernardino County tracts this ZIP area touches sit mostly inside it.10,04555.2%2,304——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 San Bernardino County tracts this ZIP area touches sit mostly inside it.9,89890.7%1,012——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 San Bernardino County tract this ZIP area touches sit mostly inside it.8,11156.1%4——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 6 San Bernardino County tracts this ZIP area touches sit mostly inside it.7,92532.7%1,875——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 San Bernardino County tracts this ZIP area touches sit mostly inside it.7,25839.4%1,742——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 San Bernardino County tracts this ZIP area touches sit mostly inside it.6,84933.5%1,650——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 San Bernardino County tracts this ZIP area touches sit mostly inside it.6,32044.6%1,811——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.6,25829.4%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 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.5,76943.6%1,178——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 San Bernardino County tracts this ZIP area touches sit mostly inside it.5,49746.4%1,318——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 San Bernardino County tracts this ZIP area touches sit mostly inside it.4,98632.5%1,189——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.4,76126.2%1,468——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 San Bernardino County tract this ZIP area touches sit mostly inside it.3,84163.9%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.3,67893.6%736——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 San Bernardino County tracts this ZIP area touches sit mostly inside it.3,25730.9%1,007——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.3,14933.6%798——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.2,97346.0%892——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 San Bernardino County tract this ZIP area touches sit mostly inside it.2,10929.4%592——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 San Bernardino County tract this ZIP area touches sit mostly inside it.1,89035.8%470——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.1,85639.2%576——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.1,83929.4%428——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 San Bernardino County tract this ZIP area touches sit mostly inside it.1,52225.7%504——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.1,43263.3%283——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Bernardino County tracts this ZIP area touches sit mostly inside it.1,21325.6%469——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 San Bernardino County tracts this ZIP area touches sit mostly inside it.1,11847.4%146——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 4 tracts of San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 4 tracts of San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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 San Bernardino 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.

466 of San Bernardino County’s 466 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 San Bernardino County

All 466 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.

466 OF 466 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper144.2%4,30779.7%OPEN →
Upper153.2%6,10682.4%OPEN →
Upper159.1%6,08782.8%OPEN →
Upper164.6%2,80660.0%OPEN →
Middle113.8%5,06070.8%OPEN →
Upper161.1%6,48359.8%OPEN →
Upper143.3%2,75366.0%OPEN →
Middle104.7%9,72279.2%OPEN →
Upper171.9%6,73677.5%OPEN →
Upper179.2%4,84682.2%OPEN →
Middle100.2%4,68777.1%OPEN →
Upper125.5%7,64982.4%OPEN →
Upper178.9%8,63376.5%OPEN →
Upper209.5%3,19478.1%OPEN →
Middle100.0%5,35684.2%OPEN →
Middle102.4%4,18988.0%OPEN →
Middle108.6%4,85383.9%OPEN →
Middle105.2%4,19491.4%OPEN →
Middle108.3%4,14588.1%OPEN →
Middle92.2%6,16390.0%OPEN →
Low46.4%5,66097.3%OPEN →
Moderate59.5%3,41993.5%OPEN →
Moderate54.4%3,19889.9%OPEN →
Moderate67.6%3,67893.6%OPEN →
Upper128.3%6,35973.8%OPEN →
Middle118.0%4,67274.8%OPEN →
Middle117.5%5,03776.5%OPEN →
Middle108.2%6,88579.8%OPEN →
Middle97.1%5,15082.3%OPEN →
Upper131.0%5,41473.5%OPEN →
Middle111.2%5,06879.7%OPEN →
Middle93.4%5,66781.0%OPEN →
Moderate64.8%4,82993.4%OPEN →
Middle103.0%4,32586.5%OPEN →
Upper154.2%3,44141.8%OPEN →
Middle115.1%6,17363.9%OPEN →
Upper146.3%4,06955.5%OPEN →
Upper151.9%3,48148.5%OPEN →
Upper179.5%3,86744.4%OPEN →
Upper197.0%3,61254.9%OPEN →
Upper187.4%4,06948.5%OPEN →
Upper143.8%4,02157.8%OPEN →
Upper126.5%5,53155.1%OPEN →
Upper194.0%5,51856.7%OPEN →
Upper195.4%3,97944.6%OPEN →
Middle96.0%4,92975.6%OPEN →
Middle88.5%6,83976.1%OPEN →
Moderate79.0%5,30573.6%OPEN →
Moderate66.4%4,31184.7%OPEN →
Middle95.7%4,18372.7%OPEN →
Middle97.7%4,91270.2%OPEN →
Middle93.8%4,38381.5%OPEN →
Middle91.6%3,92780.5%OPEN →
Middle92.0%5,06986.3%OPEN →
Moderate60.1%5,28392.5%OPEN →
Moderate78.6%4,16191.1%OPEN →
Middle114.6%4,11372.6%OPEN →
Middle112.1%5,33878.3%OPEN →
Middle99.3%4,72870.6%OPEN →
Moderate50.5%5,28791.2%OPEN →
Middle98.0%3,96689.1%OPEN →
Moderate73.5%4,94392.3%OPEN →
Middle95.3%4,57292.8%OPEN →
Middle102.8%5,60086.4%OPEN →
Middle98.8%3,65283.0%OPEN →
Middle106.6%5,86585.9%OPEN →
Moderate52.5%3,25885.6%OPEN →
Moderate77.6%3,97494.6%OPEN →
Moderate63.4%3,75195.9%OPEN →
Moderate57.1%5,54593.4%OPEN →
Moderate62.3%5,28994.2%OPEN →
Middle100.4%5,77476.5%OPEN →
Upper126.8%5,47875.0%OPEN →
Middle115.4%5,08686.3%OPEN →
Middle86.5%6,25991.2%OPEN →
Middle107.1%5,56789.1%OPEN →
Middle84.6%3,24078.8%OPEN →
Middle116.2%6,45884.1%OPEN →
Upper131.8%4,52878.6%OPEN →
Middle105.3%4,34084.1%OPEN →
Middle88.5%4,50387.7%OPEN →
Moderate72.4%4,56192.9%OPEN →
Moderate70.6%3,81194.2%OPEN →
Middle87.4%4,04896.9%OPEN →
Upper169.2%5,49373.8%OPEN →
Upper127.6%12,05483.9%OPEN →
Middle116.2%11,61179.9%OPEN →
Upper147.0%5,10686.4%OPEN →
Upper132.7%2,86982.7%OPEN →
Middle86.2%2,23183.2%OPEN →
Upper145.0%5,58377.4%OPEN →
Upper181.5%4,05843.0%OPEN →
Upper157.8%4,12050.9%OPEN →
Upper169.9%4,77045.5%OPEN →
Upper121.8%4,74955.0%OPEN →
Middle100.5%3,78757.7%OPEN →
Upper191.7%5,68647.7%OPEN →
Middle117.2%5,24055.3%OPEN →
Middle109.0%4,81665.5%OPEN →
Upper191.4%5,25261.9%OPEN →
Middle99.1%5,31464.3%OPEN →
Middle109.4%5,07952.1%OPEN →
Upper160.0%5,59861.7%OPEN →
Middle113.6%5,50766.5%OPEN →
Upper163.4%5,86060.1%OPEN →
Upper156.9%6,31867.7%OPEN →
Upper124.1%7,44167.6%OPEN →
Upper158.7%7,72980.5%OPEN →
Upper134.7%5,59881.9%OPEN →
Upper151.2%5,99772.7%OPEN →
Upper189.3%5,15969.0%OPEN →
Upper196.0%5,17964.8%OPEN →
Upper213.4%2,55361.5%OPEN →
Upper276.5%6,29571.7%OPEN →
Upper159.8%4,69668.4%OPEN →
Upper153.9%2,79957.5%OPEN →
Upper132.6%6,86573.7%OPEN →
Upper147.3%3,68272.2%OPEN →
Upper149.9%3,95072.5%OPEN →
Middle101.8%3,20773.6%OPEN →
Middle106.5%5,76070.3%OPEN →
Upper143.4%5,14972.6%OPEN →
Moderate75.5%4,37984.5%OPEN →
Moderate67.9%4,68173.8%OPEN →
Middle103.1%5,40273.2%OPEN →
Middle93.8%5,21275.6%OPEN →
Moderate73.0%6,30381.6%OPEN →
Middle85.9%4,06679.4%OPEN →
Middle92.6%3,34772.1%OPEN →
Middle91.7%6,14192.0%OPEN →
Upper123.0%6,65480.1%OPEN →
Middle83.3%5,91880.2%OPEN →
Upper120.4%3,69690.1%OPEN →
Middle91.1%5,00490.6%OPEN →
Middle115.8%9,10990.7%OPEN →
Middle104.5%3,78188.5%OPEN →
Middle114.6%5,22982.9%OPEN →
Middle118.2%5,10278.2%OPEN →
Upper158.9%5,63883.6%OPEN →
Middle93.3%6,87489.1%OPEN →
Upper155.9%6,55876.8%OPEN →
Upper174.5%4,71282.0%OPEN →
Moderate68.5%5,12894.2%OPEN →
Middle97.0%3,41294.5%OPEN →
Middle85.2%5,50095.0%OPEN →
Moderate64.0%2,64695.7%OPEN →
Moderate64.9%5,61393.5%OPEN →
Middle89.4%3,57393.5%OPEN →
Middle95.9%4,01095.2%OPEN →
Middle81.2%7,24891.5%OPEN →
Middle115.7%5,56990.6%OPEN →
Middle113.4%7,17192.3%OPEN →
Upper121.9%6,00891.4%OPEN →
Moderate79.3%3,57790.2%OPEN →
Upper149.7%3,58994.2%OPEN →
Middle118.7%4,38091.7%OPEN →
Upper142.1%5,85679.0%OPEN →
Middle114.6%5,71885.0%OPEN →
Upper143.4%14,19478.1%OPEN →
Upper148.3%3,14685.3%OPEN →
Upper161.2%6,39779.3%OPEN →
Upper156.4%3,98681.0%OPEN →
Middle102.1%5,58093.4%OPEN →
Moderate68.3%3,97493.8%OPEN →
Moderate60.9%5,74996.3%OPEN →
Moderate72.2%4,71592.3%OPEN →
Moderate78.6%6,51488.5%OPEN →
Moderate72.6%3,15889.9%OPEN →
Middle93.4%4,92792.0%OPEN →
Moderate52.2%5,84495.3%OPEN →
Middle93.9%3,87586.8%OPEN →
Middle88.2%4,42487.3%OPEN →
Moderate61.9%5,57891.9%OPEN →
Moderate68.0%6,93787.7%OPEN →
Middle81.1%7,50089.4%OPEN →
Middle98.3%4,32087.1%OPEN →
Moderate77.7%4,77691.3%OPEN →
Moderate65.3%5,33892.2%OPEN →
Middle94.4%5,64192.3%OPEN →
Moderate71.9%6,55495.3%OPEN →
Middle82.8%5,06992.7%OPEN →
Middle117.4%4,78792.3%OPEN →
Moderate64.6%5,06692.1%OPEN →
Moderate61.7%4,82494.9%OPEN →
Middle107.6%4,25991.0%OPEN →
Middle112.8%4,30890.0%OPEN →
Moderate67.1%5,31691.5%OPEN →
Middle95.5%6,23092.2%OPEN →
Moderate68.1%5,16390.9%OPEN →
Moderate61.5%4,82795.4%OPEN →
Middle92.0%4,57489.8%OPEN →
Moderate54.8%4,01893.5%OPEN →
Middle101.1%5,12091.9%OPEN →
Middle86.4%5,02092.3%OPEN →
Middle113.5%4,95793.3%OPEN →
Middle101.8%5,51493.1%OPEN →
Middle86.8%4,43192.6%OPEN →
Middle82.9%6,17693.0%OPEN →
Middle103.6%5,78586.2%OPEN →
Moderate78.6%5,73693.3%OPEN →
Moderate75.6%5,90795.5%OPEN →
Moderate52.9%5,18393.0%OPEN →
Moderate63.3%7,12597.4%OPEN →
Moderate59.2%5,51596.8%OPEN →
Moderate77.0%4,54296.3%OPEN →
Moderate56.0%4,34893.7%OPEN →
Moderate79.7%4,40692.3%OPEN →
Moderate73.8%5,73694.3%OPEN →
Moderate62.0%6,04793.1%OPEN →
Middle113.5%3,82959.6%OPEN →
Moderate76.9%5,45680.3%OPEN →
Moderate59.4%5,54384.8%OPEN →
Middle116.0%5,21077.2%OPEN →
Moderate77.8%5,33780.7%OPEN →
Upper143.2%3,86377.9%OPEN →
Middle115.9%5,07575.6%OPEN →
Middle96.4%7,43182.5%OPEN →
—0.0%6,45480.6%OPEN →
Moderate70.3%5,70987.1%OPEN →
Moderate73.3%6,09096.8%OPEN →
Low49.2%3,48696.8%OPEN →
Moderate52.0%4,27096.6%OPEN →
Low42.1%3,29995.6%OPEN →
Middle98.0%4,60172.5%OPEN →
Low42.2%4,18983.6%OPEN →
Moderate73.6%4,52180.8%OPEN →
Moderate63.3%6,06488.8%OPEN →
Moderate53.6%6,98189.5%OPEN →
Low37.9%2,86593.9%OPEN →
Low40.8%6,48293.0%OPEN →
Moderate69.3%4,06091.8%OPEN →
Low45.8%3,35494.8%OPEN →
Low25.9%2,15086.1%OPEN →
Moderate51.3%4,03992.9%OPEN →
Moderate64.5%4,86780.8%OPEN →
Middle116.0%4,75278.7%OPEN →
Moderate76.6%4,10984.6%OPEN →
Moderate57.3%5,50088.6%OPEN →
Low45.5%4,50687.8%OPEN →
Moderate70.3%5,37084.8%OPEN →
Moderate59.5%4,98391.2%OPEN →
Moderate66.0%4,74389.1%OPEN →
Moderate52.8%3,09093.3%OPEN →
Moderate69.2%5,28692.4%OPEN →
Low48.3%3,72790.1%OPEN →
Moderate52.2%3,62892.4%OPEN →
Moderate78.8%4,53790.3%OPEN →
Moderate67.8%5,12592.0%OPEN →
Middle81.7%4,09995.3%OPEN →
Moderate72.3%4,48494.6%OPEN →
Moderate64.6%3,59695.3%OPEN →
Moderate61.1%4,95293.9%OPEN →
Upper137.2%4,03061.1%OPEN →
Upper133.6%3,25971.4%OPEN →
Middle100.1%4,25466.9%OPEN →
Moderate53.8%3,41683.0%OPEN →
Middle84.3%2,30983.2%OPEN →
Middle103.8%4,91782.2%OPEN →
Middle94.3%3,64067.2%OPEN →
Moderate68.9%3,34585.5%OPEN →
Middle80.6%3,67183.8%OPEN →
Moderate77.7%3,02791.0%OPEN →
Moderate62.8%4,96977.3%OPEN →
Moderate67.9%4,91580.5%OPEN →
Middle95.4%6,04472.5%OPEN →
Upper122.2%5,16269.0%OPEN →
Upper153.6%5,07458.4%OPEN →
Upper125.7%4,63863.1%OPEN →
Moderate67.7%3,11991.2%OPEN →
Low43.8%4,43289.5%OPEN →
Middle85.4%6,27880.2%OPEN →
Moderate53.6%6,09176.0%OPEN →
Upper135.7%1,72971.0%OPEN →
Moderate75.6%6,64579.2%OPEN →
Moderate65.5%5,05985.9%OPEN →
Middle88.6%4,84478.3%OPEN →
Moderate63.1%4,23393.4%OPEN →
Low45.8%3,55692.2%OPEN →
Middle94.8%6,63264.3%OPEN →
Upper133.5%4,93161.6%OPEN →
Upper172.3%7,06158.2%OPEN →
Upper156.6%3,60054.5%OPEN →
Upper189.9%4,34358.6%OPEN →
Middle102.6%7,03878.6%OPEN →
Low48.7%4,22287.1%OPEN →
Moderate65.0%3,25086.7%OPEN →
Moderate61.7%3,32662.3%OPEN →
Middle96.7%3,32345.6%OPEN →
Upper125.5%2,57623.6%OPEN →
Upper144.6%6,61644.6%OPEN →
Upper184.1%3,26832.4%OPEN →
Middle119.4%6,50148.5%OPEN →
Upper137.8%5,79140.7%OPEN →
Moderate69.4%2,93171.5%OPEN →
Upper124.2%5,75257.2%OPEN →
Upper133.4%5,25461.8%OPEN →
Upper157.3%3,94531.1%OPEN →
Upper267.2%4,78235.9%OPEN →
Middle100.7%6,40460.0%OPEN →
Middle92.8%3,64146.8%OPEN →
Middle108.7%4,66952.0%OPEN →
Upper131.7%4,41538.7%OPEN →
Middle104.4%4,62747.9%OPEN →
Moderate54.9%4,70055.1%OPEN →
Upper195.9%3,72028.9%OPEN →
Upper187.2%4,10228.1%OPEN →
Middle96.9%4,22444.8%OPEN →
Middle111.5%4,31448.5%OPEN →
Upper173.3%7,09141.6%OPEN →
Upper133.9%6,65043.8%OPEN →
Middle92.1%6,52046.9%OPEN →
Moderate70.1%1,89035.8%OPEN →
Middle94.6%5,92245.2%OPEN →
Upper129.2%5,76153.5%OPEN →
Moderate69.9%4,43343.9%OPEN →
Upper134.4%2,82532.3%OPEN →
Moderate59.5%3,82355.9%OPEN →
Middle85.3%2,76053.7%OPEN →
Middle86.5%5,13589.0%OPEN →
Middle90.6%6,01989.2%OPEN →
Middle109.7%6,91282.2%OPEN →
Middle89.6%8,15588.2%OPEN →
Middle91.7%5,55286.7%OPEN →
Middle81.2%6,76390.2%OPEN →
Moderate73.2%5,07590.7%OPEN →
Low37.0%4,88287.3%OPEN →
Low40.1%2,60687.5%OPEN →
Moderate72.0%8,58284.6%OPEN →
Middle80.1%86265.3%OPEN →
Middle93.0%5,56080.1%OPEN →
Moderate79.4%5,78985.0%OPEN →
Middle114.5%4,26979.1%OPEN →
Middle81.9%5,26083.4%OPEN →
—0.0%5,83386.4%OPEN →
Middle84.1%4,76126.2%OPEN →
Middle101.8%1,85639.2%OPEN →
Middle98.1%1,19356.2%OPEN →
Low42.6%3,93978.6%OPEN →
Low43.7%4,12173.5%OPEN →
Low49.4%3,82075.9%OPEN →
Middle88.3%5,10638.8%OPEN →
Moderate71.9%6,49257.9%OPEN →
Moderate52.9%6,40062.5%OPEN →
Moderate76.1%7,30355.2%OPEN →
Moderate65.1%4,26956.8%OPEN →
Middle113.7%4,47348.1%OPEN →
Moderate67.9%4,06628.6%OPEN →
Upper134.2%3,27648.2%OPEN →
Moderate66.1%1,74363.3%OPEN →
Moderate52.4%5,91168.3%OPEN →
Upper138.6%3,41355.5%OPEN →
Upper138.6%5,85349.1%OPEN →
Upper130.0%4,29849.7%OPEN →
Upper124.8%5,66652.4%OPEN →
Moderate64.1%3,47454.9%OPEN →
Low30.7%4,59973.0%OPEN →
Low42.1%5,05183.8%OPEN →
Moderate71.5%5,40180.7%OPEN →
Moderate79.7%5,27077.8%OPEN →
Middle83.5%5,24979.3%OPEN →
Middle80.2%7,09979.7%OPEN →
Low39.6%5,69577.3%OPEN →
Moderate59.7%6,58280.0%OPEN →
Low40.2%3,34883.2%OPEN →
Middle88.2%2,93085.7%OPEN →
Moderate58.8%6,30383.9%OPEN →
Moderate73.7%6,60786.5%OPEN →
Middle115.9%3,76688.3%OPEN →
Middle92.4%4,38669.4%OPEN →
Moderate54.6%7,12978.8%OPEN →
Moderate57.6%5,37779.4%OPEN →
Moderate75.2%5,22866.5%OPEN →
Moderate53.0%5,02082.5%OPEN →
Middle92.0%5,94072.6%OPEN →
Moderate78.3%6,22878.0%OPEN →
Moderate74.1%5,66470.3%OPEN →
Middle107.0%7,18957.0%OPEN →
Moderate65.9%4,54256.9%OPEN →
Moderate74.2%6,39963.8%OPEN →
Moderate76.3%5,71153.0%OPEN →
Middle101.3%3,96647.3%OPEN →
Middle98.7%4,45370.7%OPEN →
Moderate72.3%4,29566.4%OPEN →
Middle94.2%3,07068.9%OPEN →
Middle85.0%5,09977.8%OPEN →
Moderate59.0%6,54670.9%OPEN →
Low39.2%2,00267.6%OPEN →
Moderate67.1%4,86146.2%OPEN →
Moderate66.2%3,57778.8%OPEN →
Middle102.6%4,70975.3%OPEN →
Middle81.6%7,24275.3%OPEN →
Middle80.3%4,73677.0%OPEN →
Middle91.0%2,48847.3%OPEN →
Upper205.4%3,28741.1%OPEN →
Upper130.5%6,22174.8%OPEN →
Upper146.9%5,24679.6%OPEN →
Moderate76.5%2,97346.0%OPEN →
Moderate58.4%12,28051.7%OPEN →
Moderate67.9%3,08528.7%OPEN →
Moderate72.4%6,32435.2%OPEN →
Moderate62.2%5,54049.5%OPEN →
Moderate76.6%3,25730.9%OPEN →
Middle87.1%4,11232.7%OPEN →
Low47.0%3,81332.8%OPEN →
Moderate71.5%1,71646.6%OPEN →
Moderate54.5%1,73927.4%OPEN →
Moderate59.9%82629.9%OPEN →
Moderate66.2%2,02041.4%OPEN →
Moderate70.2%2,80537.5%OPEN →
Moderate65.1%4,23234.9%OPEN →
Middle80.9%4,24538.6%OPEN →
Middle116.9%3,91533.8%OPEN →
Moderate75.3%1,30729.5%OPEN →
Moderate67.5%1,75936.7%OPEN →
Low43.5%4,35455.2%OPEN →
Moderate54.9%1,44348.9%OPEN →
Low45.2%2,20729.5%OPEN →
Low47.5%1,06232.1%OPEN →
Moderate50.8%3,73140.7%OPEN →
Middle103.6%3,66932.6%OPEN →
Middle99.0%3,18034.5%OPEN →
Middle81.8%2,63443.5%OPEN →
Middle102.7%3,14933.6%OPEN →
—0.0%2,73725.0%OPEN →
Middle92.7%2,66433.7%OPEN →
Middle119.7%2,28824.5%OPEN →
Low48.9%1,15835.9%OPEN →
Middle101.1%1,74647.0%OPEN →
Middle113.0%1,43934.3%OPEN →
Moderate73.0%1,11847.4%OPEN →
Middle96.8%3,94329.3%OPEN →
Moderate79.6%2,31529.4%OPEN →
Middle84.1%1,32526.1%OPEN →
Upper121.6%1,24125.5%OPEN →
Moderate67.3%1,35550.3%OPEN →
Moderate77.6%1,06526.1%OPEN →
Middle106.8%1,52225.7%OPEN →
Moderate76.7%3,90229.0%OPEN →
Middle83.5%1,68631.6%OPEN →
Middle82.0%2,57841.0%OPEN →
Middle117.9%1,94627.0%OPEN →
Moderate56.1%1,83929.4%OPEN →
Middle92.6%2,10929.4%OPEN →
Middle103.4%6,32044.6%OPEN →
Middle119.0%1,57543.8%OPEN →
Moderate53.0%1,43263.3%OPEN →
Middle102.2%4,04960.8%OPEN →
Moderate73.6%3,27766.0%OPEN →
Moderate71.0%2,60353.3%OPEN →
Middle85.0%6,35174.0%OPEN →
Moderate68.2%5,88272.1%OPEN →
Upper121.3%5,98553.3%OPEN →
Low44.4%3,39041.6%OPEN →
Upper128.2%2,95539.0%OPEN →
Moderate79.6%2,10754.3%OPEN →
Upper125.4%9,00284.7%OPEN →
—0.0%——OPEN →
—0.0%3,84163.9%OPEN →
Moderate78.7%3,14091.2%OPEN →
Moderate78.7%4,32994.4%OPEN →
Upper120.6%4,00078.7%OPEN →
Moderate69.8%8,11156.1%OPEN →
Moderate64.4%2,03849.0%OPEN →
Moderate58.1%1,21325.6%OPEN →
—0.0%475.0%OPEN →
—0.0%3,95380.9%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

2,197,104

Median household income

$85,478

Median home value

$505,000

Median gross rent

$1,801

per month

Owner-occupied

62.1%

of occupied units

Housing units

743,886

9.3% vacant

Poverty rate

13.3%

Unemployment

7.1%

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

Very High

score 99.8

Social vulnerability

Relatively Low

Community resilience

Relatively Low

ELEVATED PERILS

Inland flooding Very High · Wildfire Very High · Earthquake Very High · Strong wind Relatively High · Heat wave Relatively High · Landslide Very 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

140

Declarations recorded

61

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

Everything we hold on San Bernardino 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 San Bernardino County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for San Bernardino County →Every reported application and origination in FIPS 06071, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in San Bernardino 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

2,125

—

Purchase share

40.5%

861 loans

IRRRL refinances

908

Cash-out refinances

356

20262,125—861908356
20252,157—1,116547494
20241,684—1,052252380
20231,640—1,08829523
2022——1,6567231,891
20219,426—1,9595,9261,541
20208,748—1,9865,2621,500
20194,144—1,7929391,413
20184,245—1,9095871,749
20175,436—1,9861,5871,863
20165,330—1,8591,9491,522
20154,629—1,7061,6761,247

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 San Bernardino 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

San Bernardino 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

3,578

−1.1% vs 2024

Multifamily · 2025

2,662

+2.0% vs 2024

Total authorized · 2025

6,240

+0.2% vs 2024

Permit valuation · 2025

$1.4B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05K10K15K20K19901992199419961998200020022004200620082010201220142016201820202022202420256,240 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 San Bernardino County, showing population movement and wealth transfer.

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

inflow2223Los Angeles County, CA18,32534,872$1.15B
outflow2223Riverside County, CA11,14120,775$688.5M
outflow2223Los Angeles County, CA10,88718,695$636.9M
inflow2223Riverside County, CA9,52017,635$534.9M
inflow2223Orange County, CA3,6476,498$262.6M
outflow2223Orange County, CA3,2455,104$251.3M
outflow2223Other flows - South, DS2,7145,381$205.4M
inflow2223Other flows - South, DS1,7613,245$93.7M
outflow2223San Diego County, CA1,7192,928$109.3M
outflow2223Clark County, NV1,6503,018$90.2M
outflow2223Other flows - Midwest, DS1,4422,795$86.0M
inflow2223San Diego County, CA1,3332,303$83.6M
outflow2223Maricopa County, AZ1,0491,865$60.7M
inflow2223Other flows - Midwest, DS1,0271,852$57.5M
inflow2223Clark County, NV9891,935$41.5M
outflow2223Other flows - West, DS9391,674$56.8M
inflow2223Other flows - West, DS7981,386$42.8M
outflow2223Other flows - Northeast, DS6731,143$41.4M
outflow2223Mohave County, AZ6161,137$52.6M
inflow2223Maricopa County, AZ566992$31.2M
inflow2223Other flows - Northeast, DS510817$32.6M
outflow2223Kern County, CA475986$23.0M
inflow2223Kern County, CA382707$15.6M
outflow2223Harris County, TX341636$19.1M
outflow2223King County, WA275402$24.1M
inflow2223Ventura County, CA271468$19.2M
outflow2223Ventura County, CA269419$18.4M
outflow2223Santa Clara County, CA255380$20.5M
outflow2223Bexar County, TX247492$12.2M
outflow2223Tarrant County, TX236464$14.8M
outflow2223Alameda County, CA229336$15.5M
outflow2223Sacramento County, CA228378$13.0M
inflow2223Santa Clara County, CA226334$22.3M
inflow2223Sacramento County, CA217342$11.4M
inflow2223Mohave County, AZ213391$12.2M
inflow2223Alameda County, CA209334$17.6M
inflow2223Foreign - APO/FPO ZIPs, FR209453$12.5M
outflow2223Foreign - APO/FPO ZIPs, FR194364$9.7M
outflow2223Dallas County, TX189286$9.4M
outflow2223Fresno County, CA185337$8.5M
inflow2223Fresno County, CA181315$8.5M
outflow2223Foreign - Overseas, FR172271$11.7M
outflow2223El Paso County, CO169318$8.4M
inflow2223Honolulu County, HI166326$9.2M
inflow2223King County, WA165278$17.7M
outflow2223Honolulu County, HI159315$9.9M
outflow2223Pima County, AZ150246$10.5M
outflow2223Pinal County, AZ149317$9.8M
outflow2223El Paso County, TX149307$7.7M
outflow2223Yavapai County, AZ147250$15.4M
outflow2223Pierce County, WA145284$7.7M
outflow2223Salt Lake County, UT137258$6.7M
inflow2223Contra Costa County, CA133252$9.1M
inflow2223Harris County, TX132254$6.5M
outflow2223Multnomah County, OR130188$6.8M
outflow2223San Francisco County, CA129152$8.4M
outflow2223Cook County, IL127197$6.2M
outflow2223Ada County, ID125230$10.8M
outflow2223Utah County, UT124252$7.2M
inflow2223Pierce County, WA124247$6.0M
outflow2223Denton County, TX121250$9.3M
inflow2223Bexar County, TX120262$6.2M
outflow2223Travis County, TX119175$7.9M
outflow2223San Luis Obispo County, CA117195$15.7M
inflow2223El Paso County, CO116257$5.7M
outflow2223Collin County, TX115235$8.5M
outflow2223Contra Costa County, CA113179$9.6M
outflow2223San Joaquin County, CA113200$6.1M
inflow2223San Joaquin County, CA112205$6.8M
inflow2223Cook County, IL111193$7.3M
outflow2223Montgomery County, TX110239$6.6M
outflow2223Washoe County, NV109179$6.3M
inflow2223Onslow County, NC106281$6.6M
outflow2223Santa Barbara County, CA106180$5.7M
inflow2223El Paso County, TX106239$4.9M
inflow2223Santa Barbara County, CA105149$6.3M
outflow2223Tulare County, CA104199$5.2M
outflow2223New York County, NY103124$8.0M
outflow2223Onslow County, NC102261$6.7M
inflow2223Foreign - Other flows, FR101181$7.5M
outflow2223Bell County, TX100208$5.1M
inflow2223San Francisco County, CA100125$8.7M
inflow2223San Mateo County, CA98144$7.4M
outflow2223Imperial County, CA98191$3.3M
outflow2223San Mateo County, CA94126$7.6M
outflow2223Placer County, CA93192$5.8M
outflow2223Washington County, OR92163$5.5M
inflow2223Tarrant County, TX90170$4.4M
outflow2223Williamson County, TX88160$7.4M
inflow2223Tulare County, CA87153$6.4M
inflow2223Queens County, NY85126$5.6M
inflow2223Solano County, CA84147$4.3M
outflow2223Snohomish County, WA83138$4.1M
outflow2223Yuma County, AZ83168$3.6M
inflow2223Imperial County, CA83152$2.9M
outflow2223Oklahoma County, OK82166$4.1M
inflow2223Dallas County, TX81131$4.2M
inflow2223Pima County, AZ79153$4.6M
outflow2223Denver County, CO77112$4.0M
inflow2223Salt Lake County, UT76132$3.4M
outflow2223Washington County, UT74148$4.8M
outflow2223Kootenai County, ID72155$6.8M
inflow2223Washoe County, NV72132$4.8M
outflow2223Clark County, WA72119$4.1M
outflow2223Monterey County, CA72115$3.8M
outflow2223Hillsborough County, FL71124$3.7M
inflow2223San Luis Obispo County, CA71120$4.2M
outflow2223Canyon County, ID70148$4.6M
inflow2223Monterey County, CA70125$3.8M
outflow2223Thurston County, WA69130$4.4M
outflow2223Orange County, FL69105$4.0M
outflow2223Solano County, CA68128$4.1M
inflow2223Multnomah County, OR6892$3.4M
outflow2223Montgomery County, TN67152$4.5M
outflow2223Cumberland County, NC67131$3.2M
outflow2223Queens County, NY65101$3.1M
outflow2223Fort Bend County, TX65153$5.9M
inflow2223Utah County, UT62135$3.5M
inflow2223Bell County, TX62118$2.8M
outflow2223Gwinnett County, GA61135$3.0M
outflow2223Duval County, FL60106$2.9M
outflow2223Fairfax County, VA60129$4.8M
outflow2223Arapahoe County, CO59113$3.5M
outflow2223Tulsa County, OK59117$3.6M
outflow2223Stanislaus County, CA59126$3.4M
outflow2223Kings County, NY5963$3.0M
inflow2223Snohomish County, WA58109$4.4M
outflow2223Spokane County, WA5797$3.6M
outflow2223Yolo County, CA5777$2.2M
inflow2223Kings County, NY5678$4.9M
outflow2223Davidson County, TN5575$3.5M
outflow2223Butte County, CA5586$2.6M
outflow2223Iron County, UT55102$2.8M
outflow2223Wake County, NC55115$4.0M
inflow2223Stanislaus County, CA5491$3.5M
inflow2223Travis County, TX5462$2.8M
inflow2223Miami-Dade County, FL5375$2.4M
outflow2223Benton County, AR52133$4.0M
outflow2223Rutherford County, TN51104$3.3M
inflow2223Washington County, OR5182$3.0M
outflow2223Bernalillo County, NM5092$2.7M
inflow2223Denton County, TX4990$2.7M
outflow2223Lane County, OR4977$3.1M
outflow2223Fulton County, GA4881$2.5M
outflow2223Weber County, UT4881$3.1M
inflow2223Middlesex County, MA4862$3.2M
outflow2223Mecklenburg County, NC4884$3.6M
outflow2223Humboldt County, CA4765$1.9M
outflow2223Davis County, UT4793$2.4M
inflow2223Prince William County, VA4699$3.4M
inflow2223Pinal County, AZ4684$1.8M
outflow2223Madera County, CA4675$1.2M
outflow2223Knox County, TN4694$2.2M
outflow2223District of Columbia, DC4551$3.7M
outflow2223Hamilton County, TN45106$3.9M
outflow2223Broward County, FL4569$2.4M
outflow2223Merced County, CA4486$2.1M
inflow2223New York County, NY4464$4.4M
inflow2223Kings County, CA4466$2.4M
outflow2223Miami-Dade County, FL4465$5.3M
outflow2223Adams County, CO4481$2.8M
outflow2223Coconino County, AZ4363$1.6M
outflow2223Sonoma County, CA4377$3.1M
outflow2223Kings County, CA4384$2.7M
inflow2223Placer County, CA4376$3.4M
inflow2223Collin County, TX4397$4.0M
outflow2223Kitsap County, WA4380$3.2M
outflow2223Hennepin County, MN4267$2.0M
outflow2223Middlesex County, MA4255$2.5M
outflow2223Douglas County, CO4282$3.8M
inflow2223Butte County, CA4261$1.4M
inflow2223Cumberland County, NC4192$2.5M
inflow2223Yavapai County, AZ4167$2.3M
inflow2223Arapahoe County, CO4182$1.9M
inflow2223Montgomery County, TN4175$2.2M
outflow2223Comal County, TX4196$3.4M
outflow2223Franklin County, OH4070$1.9M
outflow2223La Paz County, AZ4077$1.7M
outflow2223DeKalb County, GA4069$1.5M
outflow2223Jackson County, MO4078$1.8M
outflow2223Prince William County, VA3984$2.8M
inflow2223Kitsap County, WA3962$2.0M
inflow2223Orange County, FL3968$3.3M
inflow2223Sonoma County, CA3959$2.8M
inflow2223Merced County, CA3974$1.6M
inflow2223Anchorage Municipality, AK3964$2.0M
outflow2223Jackson County, OR3967$1.6M
outflow2223Hays County, TX3974$2.9M
outflow2223Nye County, NV3862$2.1M
outflow2223Virginia Beach city, VA3864$2.0M
inflow2223Oklahoma County, OK3860$1.3M
inflow2223Yuma County, AZ3862$1.4M
outflow2223Parker County, TX3784$4.1M
inflow2223Williamson County, TX3761$3.1M
inflow2223Clark County, WA3766$2.3M
inflow2223Bernalillo County, NM3763$2.0M
outflow2223Weld County, CO3762$1.9M
outflow2223Cochise County, AZ3678$2.3M
outflow2223Muscogee County, GA3693$1.7M
outflow2223Marion County, IN3663$1.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for San Bernardino County.

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

2023PurchaseNo CharacteristicAll Appraisals11,961.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals4,727.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals16,688.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals525,000.0
2023BothNo CharacteristicAll Appraisals525,000.0
2023PurchaseNo CharacteristicAll Appraisals525,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals525,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals530,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals12,358.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals515,000.0
2022BothNo CharacteristicAll Appraisals29,329.0
2022PurchaseNo CharacteristicAll Appraisals16,971.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals481,000.0
2021BothNo CharacteristicAll Appraisals58,030.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals23,549.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals34,481.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals485,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals485,000.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals55,638.0
2020PurchaseNo CharacteristicAll Appraisals20,967.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2020BothNo CharacteristicAll Appraisals423,000.0
2020RefinanceNo CharacteristicAll Appraisals430,000.0
2020RefinanceNo CharacteristicAll Appraisals34,671.0
2020PurchaseNo CharacteristicAll Appraisals410,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals392,000.0
2019PurchaseNo CharacteristicAll Appraisals17,859.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals403,000.0
2019BothNo CharacteristicAll Appraisals42,545.0
2019RefinanceNo CharacteristicAll Appraisals24,686.0
2019PurchaseNo CharacteristicAll Appraisals375,000.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2018RefinanceNo CharacteristicAll Appraisals365,000.0
2018BothNo CharacteristicAll Appraisals33,735.0
2018PurchaseNo CharacteristicAll Appraisals17,197.0
2018RefinanceNo CharacteristicAll Appraisals16,538.0
2018BothNo CharacteristicAll Appraisals365,000.0
2018PurchaseNo CharacteristicAll Appraisals365,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals355,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017PurchaseNo CharacteristicAll Appraisals0.2
2017BothNo CharacteristicAll Appraisals38,157.0
2017PurchaseNo CharacteristicAll Appraisals16,658.0
2017PurchaseNo CharacteristicAll Appraisals360,000.0
2017RefinanceNo CharacteristicAll Appraisals21,499.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017BothNo CharacteristicAll Appraisals356,000.0
2016PurchaseNo CharacteristicAll Appraisals14,230.0
2016RefinanceNo CharacteristicAll Appraisals368,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals335,000.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals360,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016BothNo CharacteristicAll Appraisals45,671.0
2016RefinanceNo CharacteristicAll Appraisals31,441.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals322,000.0
2015PurchaseNo CharacteristicAll Appraisals0.4
2015RefinanceNo CharacteristicAll Appraisals345,000.0
2015BothNo CharacteristicAll Appraisals38,661.0
2015RefinanceNo CharacteristicAll Appraisals25,698.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.5
2015PurchaseNo CharacteristicAll Appraisals12,963.0
2015BothNo CharacteristicAll Appraisals340,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals318,300.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-051,016,111969,87046,2414.6%
2026-041,026,677977,35949,3184.8%
2026-031,033,687982,16751,5205.0%
2026-021,038,673984,26254,4115.2%
2026-011,035,505980,11955,3865.3%
2025-121,049,867997,09952,7685.0%
2025-111,055,250997,59757,6535.5%
2025-091,047,846987,82960,0175.7%
2025-081,039,665977,68461,9816.0%
2025-071,040,312977,66962,6436.0%
2025-061,035,983977,11558,8685.7%
2025-051,036,281985,71050,5714.9%
2025-041,041,471990,21151,2604.9%
2025-031,050,441996,66053,7815.1%
2025-021,045,854991,55954,2955.2%
2025-011,044,621989,81354,8085.2%
2024-121,044,628994,07850,5504.8%
2024-111,047,638993,31654,3225.2%
2024-101,037,250982,81054,4405.2%
2024-091,028,857975,85952,9985.2%
2024-081,024,240965,12659,1145.8%
2024-071,023,480963,51159,9695.9%
2024-061,016,071960,84255,2295.4%
2024-051,013,481968,64344,8384.4%
2024-041,017,844971,57746,2674.5%
2024-031,025,373974,93550,4384.9%
2024-021,023,396970,75252,6445.1%
2024-011,022,289970,12752,1625.1%
2023-121,023,970975,27948,6914.8%
2023-111,034,408984,65649,7524.8%
2023-101,022,916971,08251,8345.1%
2023-091,018,114968,64549,4694.9%
2023-081,013,098960,96652,1325.1%
2023-071,009,483960,55948,9244.8%
2023-061,003,224955,06848,1564.8%
2023-051,008,041967,05340,9884.1%
2023-041,006,488967,10239,3863.9%
2023-031,017,887973,57644,3114.4%
2023-021,012,759967,55745,2024.5%
2023-011,009,535965,19344,3424.4%
2022-121,009,852971,98637,8663.7%
2022-111,010,191968,89041,3014.1%
2022-101,004,300963,39640,9044.1%
2022-09999,388960,80138,5873.9%
2022-08995,830953,33342,4974.3%
2022-07994,113952,50641,6074.2%
2022-06990,059948,35341,7064.2%
2022-05994,014959,45334,5613.5%
2022-04992,403954,59437,8093.8%
2022-031,011,841968,49043,3514.3%
2022-021,011,912963,12148,7914.8%
2022-011,005,183949,72655,4575.5%
2021-121,005,201954,60250,5995.0%
2021-111,004,551949,26155,2905.5%
2021-10997,513935,34462,1696.2%
2021-09989,180924,10965,0716.6%
2021-08988,980913,75275,2287.6%
2021-07991,914911,73580,1798.1%
2021-06987,245902,09785,1488.6%
2021-05984,296908,91775,3797.7%
2021-04982,417901,03381,3848.3%
2021-03990,102906,81483,2888.4%
2021-02990,658904,11786,5418.7%
2021-01983,503895,10588,3989.0%
2020-12987,835899,35988,4769.0%
2020-11987,370898,51988,8519.0%
2020-10983,204892,42090,7849.2%
2020-09975,036874,665100,37110.3%
2020-08971,420867,423103,99710.7%
2020-07975,389852,141123,24812.6%
2020-06975,391850,909124,48212.8%
2020-05934,163800,430133,73314.3%
2020-04942,248806,857135,39114.4%
2020-03975,346921,37853,9685.5%
2020-02984,555947,81436,7413.7%
2020-01979,072940,39038,6824.0%
2019-12981,949948,08533,8643.4%
2019-11981,393945,96835,4253.6%
2019-10971,182935,47535,7073.7%
2019-09960,504925,98934,5153.6%
2019-08956,695917,10439,5914.1%
2019-07960,700918,46842,2324.4%
2019-06951,294912,05039,2444.1%
2019-05949,132917,02632,1063.4%
2019-04950,028916,80633,2223.5%
2019-03961,169921,79439,3754.1%
2019-02961,203921,86939,3344.1%
2019-01961,278917,41343,8654.6%
2018-12960,979923,40237,5773.9%
2018-11961,799924,55637,2433.9%
2018-10954,195916,07138,1244.0%
2018-09947,966910,32537,6414.0%
2018-08939,980899,06740,9134.4%
2018-07948,997906,46642,5314.5%
2018-06942,906900,70042,2064.5%
2018-05941,251907,66133,5903.6%
2018-04939,892903,71836,1743.8%
2018-03948,275908,78439,4914.2%
2018-02947,848906,15341,6954.4%
2018-01942,743899,65043,0934.6%

BEA Personal Income

2024$119.55B2,214,281$54K
2023$111.58B2,200,805$51K
2022$108.08B2,196,029$49K
2021$109.16B2,190,877$50K
2020$99.00B2,183,526$45K
2019$89.20B2,171,521$41K
2018$83.51B2,160,491$39K
2017$80.03B2,145,333$37K
2016$77.45B2,126,834$36K
2015$74.26B2,111,085$35K
2014$69.95B2,095,700$33K
2013$66.33B2,080,078$32K
2012$64.76B2,071,687$31K
2011$63.39B2,059,818$31K
2010$60.07B2,040,648$29K
2009$58.31B2,013,960$29K
2008$60.04B2,003,735$30K
2007$59.53B1,992,161$30K
2006$57.00B1,974,140$29K
2005$53.67B1,943,924$28K
2004$50.67B1,899,065$27K
2003$46.90B1,846,115$25K
2002$43.83B1,799,791$24K
2001$41.61B1,760,731$24K
2000$39.03B1,718,037$23K
1999$36.59B1,681,601$22K
1998$34.62B1,646,304$21K
1997$32.14B1,618,438$20K
1996$30.45B1,596,584$19K
1995$29.24B1,576,773$19K
1994$28.29B1,558,854$18K
1993$27.58B1,549,427$18K
1992$27.05B1,534,977$18K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-12-27$36K$36K$0Yes
2025-12-25$14K$14K$0Yes
2025-12-25$0$0$0No
2025-12-24$93K$93K$0Yes
2025-12-24$0$0$0Yes
2025-12-24$203$203$0Yes
2025-12-24$67K$57K$10KYes
2025-12-24$40K$40K$0Yes
2025-12-24$120K$120K$0Yes
2025-12-24$27K$27K$0Yes
2025-12-24$309K$250K$59KYes
2025-12-24$20K$20K$0No
2025-12-24$0——Yes
2025-11-13$0$0$0Yes
2025-09-18$50K$50K$0Yes
2025-09-01$0——Yes
2025-08-27$0——Yes
2025-08-26$31K$23K$8KYes
2025-08-25$0——Yes
2025-08-25$38K$38K$0Yes
2025-08-25$12K$12K$0Yes
2025-08-25$39K$39K$0Yes
2025-08-25$0——Yes
2025-08-25$25K$25K$0No
2025-08-25$0——Yes
2025-08-25$9K$9K$0Yes
2025-08-25$108K$108K$0No
2025-08-25$73K$73K$0No
2025-08-25$0——Yes
2025-08-25$1K$1K$0Yes
2025-08-25$96K$96K$0No
2025-08-25$33K$33K$0No
2025-08-25$9K$9K$0Yes
2025-08-25$53K$53K$0Yes
2025-02-18$0$0$0Yes
2025-02-13$0$0$0Yes
2025-02-13$46K$46K$0No
2025-02-12$6K$6K$0Yes
2024-07-23$0——Yes
2024-07-23$17K$17K$0No
2024-07-16$63K$63K$0No
2024-07-14$676K$500K$176KNo
2024-07-14$0——Yes
2024-07-14$0——Yes
2024-02-05$12K$12K$0Yes
2024-02-05$0$0$0Yes
2023-12-23$805.69$805.69$0No
2023-08-20$0$0$0Yes
2023-08-20$0$0$0Yes
2023-08-20$73K$73K$0Yes
2023-08-20$0$0$0Yes
2023-08-20$194K$179K$15KYes
2023-08-20$0——Yes
2023-08-19$16K$16K$0Yes
2023-07-26$0$0$0Yes
2023-03-19$0$0$0Yes
2023-03-19$416.57$416.57$0Yes
2023-03-12$0——No
2023-03-12$1K$1K$0No
2023-03-09$0——Yes
2023-02-25$180K$127K$53KYes
2023-01-14$8K$8K$0Yes
2022-11-08$0——Yes
2022-09-12$0$0$0Yes
2022-09-12$0$0$0Yes
2022-09-12$258K$200K$58KYes
2022-09-12$0$0$0Yes
2022-09-12$2K$2K$0Yes
2022-09-12$144K$131K$13KYes
2022-09-12$1K$1K$0Yes
2022-09-12$310K$250K$60KYes
2022-09-11$88K$84K$5KYes
2022-09-11$67K$67K$482.56No
2022-08-13$9K$9K$0Yes
2022-06-13$0——No
2021-12-24$14K$14K$0Yes
2021-12-14$19K$19K$0Yes
2021-08-20$0$0$0Yes
2021-07-26$25K$25K$0Yes
2021-07-26$0——Yes
2021-07-25$30K$30K$0No
2021-07-25$23K$23K$0No
2021-07-19$12K$11K$1KYes
2020-11-11$0$0$0No
2020-04-06$0$0$0Yes
2020-03-12$21K$21K$0No
2019-12-04$0$0$0No
2019-11-28$6K$0$6KYes
2019-03-09$30K$30K$0No
2019-02-20$10K$10K$0Yes
2019-02-14$11K$11K$0Yes
2019-02-14$20K$20K$0Yes
2019-02-14$45K$45K$0No
2019-02-14$0——Yes
2019-01-20$18K$9K$9KYes
2019-01-17$16K$16K$0Yes
2018-12-08$0——Yes
2018-12-06$0——No
2018-10-25$0——Yes
2017-09-09$21K$21K$0Yes

ALSO CHECKED

18 more data areas were checked for San Bernardino 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 SAN BERNARDINO COUNTY →Opens the loan explorer already filtered to county FIPS 06071.

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.