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State markets/California/San Joaquin County

COUNTY MORTGAGE MARKET · FIPS 06077

San Joaquin County, California

Who lends in San Joaquin 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

$5.49B

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

Originations · 2025

13,662

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

Denial rate · 2025

18.2%

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

Lenders active · 2025

457

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

Concentration (HHI)

374

unconcentrated

Top-5 lender share

35.0%

of originations

Purchase

63.9%

7,321 loans

Refinance

36.1%

4,134 loans

Origination trend

Annual mortgage origination volume and loan count in San Joaquin 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 Joaquin 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 Joaquin 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 JOAQUIN COUNTY →

TOP TEN LENDERS IN SAN JOAQUIN 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.

1,686$744.6M$744.6M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
727$435.2M$435.2M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,145$401.9M$401.9M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
544$219.1M$219.1M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
275$119.8M$119.8M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
302$113.5M$113.5M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
258$113.2M$113.2M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
163$107.5M$107.5M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
215$99.0M$99.0M originated in San Joaquin County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
176$96.8M$96.8M originated in San Joaquin 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 Joaquin County

All 37 ZIP Code Tabulation Areas that touch San Joaquin 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.
37 OF 37 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1616 of the 19 San Joaquin County tracts this ZIP area touches sit mostly inside it.68,51493.4%9,149——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 Joaquin County tracts this ZIP area touches sit mostly inside it.53,67872.4%9,651——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 San Joaquin County tracts this ZIP area touches sit mostly inside it.52,59561.3%10,084——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 Joaquin County tracts this ZIP area touches sit mostly inside it.51,55160.8%8,490——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 Joaquin County tracts this ZIP area touches sit mostly inside it.50,46075.7%6,944——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 San Joaquin County tracts this ZIP area touches sit mostly inside it.44,75374.4%8,929——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 San Joaquin County tracts this ZIP area touches sit mostly inside it.42,89668.6%8,163——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 Joaquin County tracts this ZIP area touches sit mostly inside it.41,29788.9%5,791——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 San Joaquin County tracts this ZIP area touches sit mostly inside it.41,28990.5%4,498——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 San Joaquin County tracts this ZIP area touches sit mostly inside it.39,62051.2%8,876——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 San Joaquin County tracts this ZIP area touches sit mostly inside it.36,12373.6%6,623——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 San Joaquin County tracts this ZIP area touches sit mostly inside it.32,49067.6%6,146——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 San Joaquin County tracts this ZIP area touches sit mostly inside it.29,05566.2%6,274——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 San Joaquin County tracts this ZIP area touches sit mostly inside it.25,01880.7%3,801——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 Joaquin County tracts this ZIP area touches sit mostly inside it.23,68482.4%4,198——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 Joaquin County tracts this ZIP area touches sit mostly inside it.23,19284.2%4,260——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 San Joaquin County tracts this ZIP area touches sit mostly inside it.22,03675.7%3,464——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 Joaquin County tracts this ZIP area touches sit mostly inside it.18,72765.2%2,960——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 Joaquin County tracts this ZIP area touches sit mostly inside it.18,29537.6%4,390——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 San Joaquin County tracts this ZIP area touches sit mostly inside it.16,89080.4%1,773——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 Joaquin County tracts this ZIP area touches sit mostly inside it.13,71341.9%3,502——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 Joaquin County tracts this ZIP area touches sit mostly inside it.7,31882.2%285——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 Joaquin County tracts this ZIP area touches sit mostly inside it.6,09945.0%1,266——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 San Joaquin County tracts this ZIP area touches sit mostly inside it.5,96880.8%551——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 San Joaquin County tracts this ZIP area touches sit mostly inside it.5,50944.8%1,380——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 San Joaquin County tracts this ZIP area touches sit mostly inside it.3,74435.8%1,001——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 San Joaquin County tracts this ZIP area touches sit mostly inside it.2,81542.9%932——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of San Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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 Joaquin 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.

174 of San Joaquin County’s 174 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 Joaquin County

All 174 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.

174 OF 174 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate60.7%2,22091.2%OPEN →
Low35.4%2,67881.6%OPEN →
Low30.9%2,93883.4%OPEN →
Middle95.0%3,35168.4%OPEN →
Low44.1%4,64082.6%OPEN →
Low38.3%3,07190.8%OPEN →
Low38.0%2,30593.5%OPEN →
Low46.5%5,93993.6%OPEN →
Moderate79.6%2,03092.6%OPEN →
Middle102.0%5,24294.4%OPEN →
Moderate58.6%6,35177.8%OPEN →
Middle88.0%5,63265.5%OPEN →
Middle96.1%5,40071.4%OPEN →
Moderate74.0%5,34373.1%OPEN →
Upper125.9%5,75052.8%OPEN →
Moderate67.7%5,35070.8%OPEN →
Moderate79.0%5,01573.5%OPEN →
Middle106.7%4,88787.6%OPEN →
Moderate53.6%4,59685.4%OPEN →
Moderate56.8%2,52289.7%OPEN →
Low45.4%4,02686.8%OPEN →
Moderate70.6%4,03686.9%OPEN →
Low44.5%5,78294.1%OPEN →
Moderate50.0%4,06892.5%OPEN →
Moderate62.5%5,99696.0%OPEN →
Low39.6%3,16996.9%OPEN →
Low47.6%5,69395.7%OPEN →
Moderate63.4%5,28595.5%OPEN →
Moderate53.2%5,22696.5%OPEN →
Moderate59.9%2,28496.4%OPEN →
Moderate50.6%2,44095.0%OPEN →
Middle93.8%4,15694.8%OPEN →
Moderate58.2%7,16184.5%OPEN →
Moderate60.3%4,23785.1%OPEN →
Moderate71.9%6,99293.7%OPEN →
Middle98.0%3,86253.3%OPEN →
Middle91.7%4,65363.6%OPEN →
Middle90.6%5,96164.2%OPEN →
Moderate75.3%4,17572.0%OPEN →
Moderate77.8%4,25378.0%OPEN →
Middle111.0%3,18363.3%OPEN →
Middle87.5%3,54380.9%OPEN →
—0.0%3,01180.2%OPEN →
Upper175.1%3,60752.1%OPEN →
Upper127.0%2,92363.2%OPEN →
Upper199.4%3,75169.9%OPEN →
Middle114.4%3,88254.1%OPEN →
Middle107.7%4,01663.5%OPEN →
Upper128.0%3,96466.6%OPEN →
Middle109.2%3,02560.9%OPEN →
Middle99.8%5,00780.5%OPEN →
Upper125.8%3,22167.7%OPEN →
Middle97.1%4,07475.4%OPEN →
Middle110.6%3,04676.1%OPEN →
Moderate55.5%3,39985.0%OPEN →
Middle97.1%3,66678.9%OPEN →
Upper127.0%9,97678.5%OPEN →
Middle92.1%4,27572.9%OPEN →
Moderate79.8%4,44485.2%OPEN →
Moderate57.9%5,26280.9%OPEN →
Moderate54.5%1,66583.4%OPEN →
Moderate66.2%4,67885.5%OPEN →
Moderate62.5%3,81285.7%OPEN →
Low37.7%3,45090.5%OPEN →
Moderate61.2%3,35689.0%OPEN →
Middle93.1%5,06492.3%OPEN →
Moderate66.6%5,84985.2%OPEN →
Middle81.1%4,21690.3%OPEN →
Low46.1%3,76989.2%OPEN →
Moderate62.7%3,08388.4%OPEN →
Low48.7%4,63890.9%OPEN →
Middle82.4%6,18892.0%OPEN →
Upper326.6%2,83748.3%OPEN →
Upper123.1%3,14055.9%OPEN →
Upper128.8%9,39792.7%OPEN →
Upper127.7%8,31092.6%OPEN →
Middle102.6%3,51955.2%OPEN →
Moderate67.5%3,27462.1%OPEN →
Moderate73.7%3,84579.6%OPEN →
Middle112.4%5,96880.8%OPEN →
Middle88.1%6,40989.8%OPEN →
Middle100.6%3,36693.3%OPEN →
Middle104.2%3,77293.0%OPEN →
Middle117.8%2,25689.2%OPEN →
Middle111.9%4,79190.5%OPEN →
Moderate79.8%1,49474.7%OPEN →
Moderate67.0%2,48462.8%OPEN →
Upper141.5%5,43375.5%OPEN →
Upper134.0%6,18577.8%OPEN →
Upper161.4%4,12335.0%OPEN →
Upper145.0%4,97342.5%OPEN →
Upper128.3%1,96946.5%OPEN →
Moderate76.3%3,60453.2%OPEN →
Upper147.2%8,48086.1%OPEN →
Upper176.3%1,70723.5%OPEN →
Moderate78.6%4,00954.0%OPEN →
Middle96.9%2,98637.7%OPEN →
Moderate77.4%3,47640.5%OPEN →
Middle101.4%3,23140.9%OPEN →
Middle83.7%6,12247.6%OPEN →
Upper147.8%5,89843.8%OPEN →
Middle106.5%3,98453.7%OPEN →
Moderate68.0%3,96875.7%OPEN →
Middle108.7%2,43735.2%OPEN →
Upper169.4%2,54930.1%OPEN →
Middle92.8%5,59963.9%OPEN →
Moderate51.2%4,10888.9%OPEN →
Low48.9%3,86985.7%OPEN →
Moderate79.5%2,42255.6%OPEN →
Low43.5%4,16086.8%OPEN →
Upper131.6%6,09945.0%OPEN →
Upper123.5%2,81542.9%OPEN →
Upper127.8%3,74435.8%OPEN →
Middle112.5%5,01342.9%OPEN →
Upper133.3%5,50944.8%OPEN →
Upper135.6%2,67939.6%OPEN →
Upper122.3%4,91640.0%OPEN →
Middle85.7%3,17741.5%OPEN →
—0.0%2,94147.7%OPEN →
Middle116.8%5,78134.3%OPEN →
Upper146.4%6,55539.6%OPEN →
Upper132.2%5,95938.5%OPEN →
Upper144.8%12,64366.7%OPEN →
Moderate75.3%4,58271.2%OPEN →
Moderate77.4%3,99668.5%OPEN →
Upper120.7%9,93185.8%OPEN →
Upper138.9%7,03672.3%OPEN →
Middle111.7%4,67666.7%OPEN →
Middle86.8%3,72562.7%OPEN →
Middle92.2%1,89957.5%OPEN →
Middle91.8%4,29468.3%OPEN →
Upper131.5%6,12985.2%OPEN →
Middle81.0%3,85781.9%OPEN →
Middle103.5%3,27580.1%OPEN →
Middle100.1%7,25563.0%OPEN →
Moderate54.0%3,29568.5%OPEN →
Middle117.9%4,31965.9%OPEN →
Middle102.7%4,78358.2%OPEN →
Upper137.9%8,68049.3%OPEN →
Upper153.6%3,21063.2%OPEN →
Upper152.3%7,71773.3%OPEN →
Moderate73.4%2,96864.1%OPEN →
Upper159.3%3,58060.6%OPEN →
Middle86.4%3,74864.7%OPEN →
Moderate71.7%3,08556.0%OPEN →
Upper122.9%6,26765.8%OPEN →
Upper152.9%5,47684.2%OPEN →
Upper213.1%7,16980.5%OPEN →
Upper159.7%3,65664.8%OPEN →
Middle110.0%9,13173.1%OPEN →
Upper219.5%4,29960.9%OPEN →
Upper204.3%5,13870.1%OPEN →
Upper147.5%3,32763.6%OPEN →
Upper131.5%4,11777.2%OPEN →
Upper196.3%5,16466.4%OPEN →
Middle115.7%2,54768.5%OPEN →
Upper199.3%9,53277.8%OPEN →
Upper188.3%4,71275.5%OPEN →
Upper209.4%10,77485.5%OPEN →
Upper124.0%4,90274.8%OPEN →
Upper132.8%3,41964.1%OPEN →
Moderate74.7%4,96676.7%OPEN →
Middle91.5%3,29472.3%OPEN →
Middle106.7%4,39171.0%OPEN →
Middle119.7%3,28370.9%OPEN →
Middle115.5%4,00376.5%OPEN →
Moderate66.0%3,05678.9%OPEN →
Middle118.0%3,61571.2%OPEN →
Upper138.6%6,04666.9%OPEN →
Upper124.4%3,64479.5%OPEN →
Middle85.9%3,42881.0%OPEN →
Upper150.2%2,31262.5%OPEN →
Middle90.2%1,87839.2%OPEN →
—0.0%——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

797,334

Median household income

$92,179

Median home value

$530,700

Median gross rent

$1,734

per month

Owner-occupied

62.0%

of occupied units

Housing units

260,151

5.7% vacant

Poverty rate

12.4%

Unemployment

7.6%

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 98.6

Social vulnerability

Relatively Low

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Earthquake Relatively High · Heat wave Relatively High · Drought 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

87

Declarations recorded

25

Incident types on record: Biological, Coastal Storm, Dam/Levee Break, Drought, Earthquake, Flood, Freezing, Hurricane, Severe Storm.

Everything we hold on San Joaquin 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 Joaquin County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for San Joaquin County →Every reported application and origination in FIPS 06077, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in San Joaquin 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

531

—

Purchase share

39.4%

209 loans

IRRRL refinances

227

Cash-out refinances

95

2026531—20922795
2025572—296151125
2024425—22873124
2023421—2826133
2022——416233582
20213,014—5181,988508
20202,815—5401,780495
20191,378—509347522
20181,319—556207556
20171,902—593587722
20161,899—641694564
20151,631—621562448

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 Joaquin 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 Joaquin 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

2,520

−33.2% vs 2024

Multifamily · 2025

2

−66.7% vs 2024

Total authorized · 2025

2,522

−33.3% vs 2024

Permit valuation · 2025

$1B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,522 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 Joaquin County, showing population movement and wealth transfer.

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

inflow2223Alameda County, CA3,0926,832$331.8M
inflow2223Santa Clara County, CA2,0604,541$272.2M
outflow2223Stanislaus County, CA1,8793,474$107.7M
outflow2223Sacramento County, CA1,6372,835$98.0M
inflow2223Stanislaus County, CA1,5602,933$107.3M
outflow2223Alameda County, CA1,5282,692$114.3M
outflow2223Other flows - South, DS1,3352,604$97.8M
inflow2223Sacramento County, CA1,2682,158$94.1M
inflow2223Contra Costa County, CA9771,931$83.4M
outflow2223Santa Clara County, CA8611,535$75.4M
inflow2223Other flows - South, DS7791,357$46.8M
outflow2223Contra Costa County, CA7471,366$56.0M
outflow2223Other flows - West, DS6201,077$49.8M
outflow2223Other flows - Midwest, DS512950$28.2M
inflow2223Other flows - West, DS488854$24.0M
inflow2223San Mateo County, CA416852$37.2M
outflow2223Los Angeles County, CA375517$20.2M
inflow2223Other flows - Midwest, DS347622$24.1M
inflow2223Los Angeles County, CA343550$21.4M
outflow2223San Diego County, CA249375$15.5M
outflow2223Calaveras County, CA247490$18.8M
outflow2223Clark County, NV247483$12.1M
outflow2223San Mateo County, CA245412$17.1M
inflow2223Solano County, CA237386$13.2M
outflow2223Maricopa County, AZ228417$18.3M
inflow2223Fresno County, CA224370$12.6M
outflow2223Fresno County, CA223389$11.1M
outflow2223Other flows - Northeast, DS215336$12.5M
outflow2223Merced County, CA215403$9.5M
inflow2223Merced County, CA213367$8.8M
inflow2223Other flows - Northeast, DS209367$17.8M
outflow2223Solano County, CA206363$12.2M
outflow2223San Francisco County, CA205267$14.4M
inflow2223San Francisco County, CA192298$16.1M
inflow2223San Diego County, CA192351$12.2M
outflow2223Placer County, CA172318$16.4M
outflow2223Orange County, CA172253$11.4M
outflow2223Washoe County, NV162265$16.5M
inflow2223Calaveras County, CA159287$10.1M
inflow2223Clark County, NV151279$5.5M
outflow2223Riverside County, CA122244$8.7M
inflow2223Riverside County, CA121227$7.0M
inflow2223San Bernardino County, CA113200$6.1M
outflow2223San Bernardino County, CA112205$6.8M
outflow2223Yolo County, CA112172$5.4M
inflow2223Maricopa County, AZ110188$6.5M
outflow2223King County, WA109164$9.4M
inflow2223Orange County, CA102176$9.0M
inflow2223Placer County, CA97163$7.4M
outflow2223Kern County, CA94150$5.3M
outflow2223Amador County, CA94171$7.6M
inflow2223Kern County, CA87156$4.9M
inflow2223Washoe County, NV87143$6.0M
outflow2223El Dorado County, CA86160$10.8M
outflow2223Sonoma County, CA82129$5.4M
outflow2223Harris County, TX80157$4.0M
inflow2223Monterey County, CA79133$4.9M
inflow2223Yolo County, CA78121$3.9M
outflow2223Butte County, CA77135$3.6M
inflow2223Sonoma County, CA76118$4.5M
outflow2223Tuolumne County, CA72123$5.8M
inflow2223Amador County, CA71114$4.8M
outflow2223Monterey County, CA68128$4.7M
outflow2223Tulare County, CA62119$3.6M
inflow2223King County, WA61103$7.1M
outflow2223Foreign - Overseas, FR58115$6.6M
inflow2223Santa Cruz County, CA5889$3.8M
inflow2223El Dorado County, CA5793$3.3M
outflow2223Madera County, CA57110$2.8M
outflow2223Bexar County, TX55110$2.9M
outflow2223Pierce County, WA55113$3.9M
outflow2223Ada County, ID5490$4.8M
outflow2223Tarrant County, TX54103$3.2M
outflow2223Foreign - Other flows, FR5187$2.1M
outflow2223Santa Cruz County, CA5062$4.1M
outflow2223Ventura County, CA5075$3.6M
outflow2223Travis County, TX50104$4.8M
outflow2223Dallas County, TX4978$2.8M
outflow2223Canyon County, ID48104$4.1M
outflow2223Shasta County, CA4886$2.4M
outflow2223Multnomah County, OR4863$2.1M
inflow2223Tulare County, CA4787$2.6M
outflow2223San Luis Obispo County, CA4660$2.6M
inflow2223Queens County, NY4565$2.5M
inflow2223Tuolumne County, CA4474$2.5M
outflow2223Sutter County, CA4472$1.7M
outflow2223Pinal County, AZ4393$2.8M
outflow2223Honolulu County, HI4361$2.1M
inflow2223Butte County, CA4369$2.6M
outflow2223Santa Barbara County, CA4254$1.9M
inflow2223Harris County, TX4280$2.4M
outflow2223Collin County, TX4298$6.2M
outflow2223Cook County, IL4056$1.9M
inflow2223Sutter County, CA3962$1.3M
outflow2223Williamson County, TX3982$4.8M
inflow2223Cook County, IL3654$3.2M
inflow2223Madera County, CA3654$1.2M
outflow2223Yuba County, CA3563$2.2M
outflow2223Lyon County, NV3568$2.4M
outflow2223Jackson County, OR3451$1.4M
inflow2223Foreign - APO/FPO ZIPs, FR3348$1.3M
inflow2223Tarrant County, TX3358$2.6M
inflow2223Honolulu County, HI3358$2.7M
outflow2223New York County, NY3134$4.1M
outflow2223El Paso County, CO3155$1.3M
inflow2223Ventura County, CA3149$2.7M
outflow2223Pima County, AZ3045$1.6M
outflow2223Marin County, CA2944$2.5M
inflow2223Multnomah County, OR2843$1.9M
inflow2223Foreign - Other flows, FR2845$749K
outflow2223Washington County, OR2846$1.7M
inflow2223Marin County, CA2861$3.6M
inflow2223Dallas County, TX2839$1.7M
outflow2223Clark County, WA2741$1.8M
inflow2223Pierce County, WA2753$2.9M
outflow2223Montgomery County, TX2759$2.4M
inflow2223Shasta County, CA2746$1.3M
inflow2223Snohomish County, WA2666$4.4M
outflow2223Denton County, TX2661$2.1M
outflow2223Bell County, TX2654$1.4M
outflow2223Kings County, NY2634$1.8M
outflow2223Napa County, CA2647$1.6M
inflow2223Humboldt County, CA2535$1.7M
outflow2223Salt Lake County, UT2540$1.2M
inflow2223San Luis Obispo County, CA2536$1.1M
outflow2223Snohomish County, WA2443$1.3M
inflow2223Napa County, CA2441$1.1M
outflow2223Kings County, CA2447$1.6M
outflow2223El Paso County, TX2348$1.2M
inflow2223El Paso County, CO2334$845K
inflow2223San Benito County, CA2344$1.7M
outflow2223Utah County, UT2244$986K
outflow2223Lane County, OR2228$1.0M
outflow2223Douglas County, NV2237$2.9M
inflow2223Yuba County, CA2247$1.2M
inflow2223Washington County, OR2237$2.3M
inflow2223Salt Lake County, UT2245$1.3M
outflow2223Humboldt County, CA2128$1.2M
outflow2223Tulsa County, OK2135$1.0M
inflow2223Ada County, ID2126$770K
outflow2223Kitsap County, WA2135$946K
inflow2223Collin County, TX2136$1.8M
outflow2223Arapahoe County, CO2029$1.4M
outflow2223Orange County, FL2037$1.3M
outflow2223Nevada County, CA2029$1.6M
inflow2223Pima County, AZ2032$860K
inflow2223Santa Barbara County, CA2034$1.2M
inflow2223Travis County, TX2027$3.2M
inflow2223Spokane County, WA2047$1.2M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Alameda County, CA3,8958,884$452.7M
inflow2122Santa Clara County, CA2,5675,780$341.7M
outflow2122Stanislaus County, CA2,0464,110$134.9M
outflow2122Sacramento County, CA1,7242,967$105.6M
outflow2122Alameda County, CA1,5882,771$115.5M
inflow2122Stanislaus County, CA1,5512,865$89.2M
outflow2122Other flows - South, DS1,4893,069$123.2M
inflow2122Sacramento County, CA1,2742,198$71.9M
inflow2122Contra Costa County, CA1,0912,155$88.7M
outflow2122Santa Clara County, CA8161,445$60.4M
outflow2122Other flows - West, DS7621,461$87.4M
outflow2122Contra Costa County, CA7091,304$59.5M
inflow2122Other flows - South, DS7081,298$45.0M
inflow2122Other flows - West, DS584979$28.6M
outflow2122Other flows - Midwest, DS5581,037$34.5M
inflow2122San Mateo County, CA4841,016$45.3M
outflow2122Los Angeles County, CA388539$19.0M
outflow2122Calaveras County, CA344786$28.1M
inflow2122Los Angeles County, CA326575$20.7M
inflow2122Other flows - Midwest, DS307552$19.4M
outflow2122San Diego County, CA302475$20.5M
outflow2122Clark County, NV298554$20.9M
outflow2122Fresno County, CA288518$20.0M
inflow2122Solano County, CA273476$18.1M
outflow2122Merced County, CA269575$16.6M
outflow2122San Francisco County, CA230314$18.8M
outflow2122Other flows - Northeast, DS229375$18.7M
inflow2122Merced County, CA220435$11.4M
inflow2122Other flows - Northeast, DS214354$16.0M
outflow2122Solano County, CA207347$10.9M
outflow2122Maricopa County, AZ207385$14.7M
inflow2122Fresno County, CA204350$11.5M
inflow2122San Francisco County, CA203323$15.2M
outflow2122San Mateo County, CA200324$14.9M
outflow2122Placer County, CA193345$16.9M
inflow2122San Diego County, CA182336$11.7M
outflow2122Orange County, CA151235$11.4M
inflow2122Calaveras County, CA133237$8.2M
outflow2122Riverside County, CA132235$8.3M
outflow2122Amador County, CA130234$7.5M
inflow2122Orange County, CA128230$8.6M
outflow2122Kern County, CA126239$6.6M
inflow2122Riverside County, CA124236$7.2M
outflow2122Washoe County, NV123180$7.9M
inflow2122Clark County, NV121231$4.6M
outflow2122San Bernardino County, CA119210$7.7M
inflow2122Maricopa County, AZ116198$6.2M
inflow2122Monterey County, CA115190$6.6M
inflow2122Kern County, CA113196$5.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for San Joaquin County.

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

2023PurchaseNo CharacteristicAll Appraisals5,947.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals1,433.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals7,380.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals530,000.0
2023BothNo CharacteristicAll Appraisals595,000.0
2023PurchaseNo CharacteristicAll Appraisals610,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals624,300.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals655,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals4,095.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals550,000.0
2022BothNo CharacteristicAll Appraisals12,242.0
2022PurchaseNo CharacteristicAll Appraisals8,147.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals537,000.0
2021BothNo CharacteristicAll Appraisals21,945.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals10,109.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals11,836.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals550,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals565,000.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals20,039.0
2020PurchaseNo CharacteristicAll Appraisals8,060.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals460,000.0
2020RefinanceNo CharacteristicAll Appraisals450,000.0
2020RefinanceNo CharacteristicAll Appraisals11,979.0
2020PurchaseNo CharacteristicAll Appraisals470,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals428,600.0
2019PurchaseNo CharacteristicAll Appraisals7,210.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals423,800.0
2019BothNo CharacteristicAll Appraisals16,606.0
2019RefinanceNo CharacteristicAll Appraisals9,396.0
2019PurchaseNo CharacteristicAll Appraisals435,000.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2018RefinanceNo CharacteristicAll Appraisals380,000.0
2018BothNo CharacteristicAll Appraisals13,666.0
2018PurchaseNo CharacteristicAll Appraisals7,476.0
2018RefinanceNo CharacteristicAll Appraisals6,190.0
2018BothNo CharacteristicAll Appraisals405,000.0
2018PurchaseNo CharacteristicAll Appraisals430,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals360,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals15,249.0
2017PurchaseNo CharacteristicAll Appraisals7,239.0
2017PurchaseNo CharacteristicAll Appraisals390,000.0
2017RefinanceNo CharacteristicAll Appraisals8,010.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017BothNo CharacteristicAll Appraisals375,000.0
2016PurchaseNo CharacteristicAll Appraisals6,537.0
2016RefinanceNo CharacteristicAll Appraisals360,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals365,000.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals361,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016BothNo CharacteristicAll Appraisals18,663.0
2016RefinanceNo CharacteristicAll Appraisals12,126.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals343,000.0
2015PurchaseNo CharacteristicAll Appraisals0.5
2015RefinanceNo CharacteristicAll Appraisals330,000.0
2015BothNo CharacteristicAll Appraisals15,273.0
2015RefinanceNo CharacteristicAll Appraisals9,325.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.4
2015PurchaseNo CharacteristicAll Appraisals5,948.0
2015BothNo CharacteristicAll Appraisals333,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals313,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05373,496352,65420,8425.6%
2026-04370,732348,03022,7026.1%
2026-03373,619349,13024,4896.6%
2026-02375,876350,37025,5066.8%
2026-01374,214348,53425,6806.9%
2025-12379,734355,50924,2256.4%
2025-11382,334357,18625,1486.6%
2025-09383,203358,29624,9076.5%
2025-08379,603353,85525,7486.8%
2025-07377,719351,31226,4077.0%
2025-06376,643351,14925,4946.8%
2025-05379,586356,39323,1936.1%
2025-04375,949351,56124,3886.5%
2025-03378,570352,13326,4377.0%
2025-02376,098349,58826,5107.0%
2025-01376,275350,06826,2077.0%
2024-12372,482348,56323,9196.4%
2024-11372,567348,53024,0376.5%
2024-10373,545350,22823,3176.2%
2024-09373,731351,35422,3776.0%
2024-08373,412348,41324,9996.7%
2024-07370,397344,58425,8137.0%
2024-06366,728342,75523,9736.5%
2024-05372,578351,86120,7175.6%
2024-04364,711342,25122,4606.2%
2024-03368,760343,91324,8476.7%
2024-02368,054342,09125,9637.1%
2024-01367,326342,01625,3106.9%
2023-12366,311343,24923,0626.3%
2023-11369,371347,21222,1596.0%
2023-10367,982345,62622,3566.1%
2023-09367,957346,95421,0035.7%
2023-08366,450344,09422,3566.1%
2023-07362,627340,99021,6376.0%
2023-06365,350343,62121,7295.9%
2023-05364,258344,42219,8365.4%
2023-04358,666338,99519,6715.5%
2023-03362,815339,99622,8196.3%
2023-02360,891338,21722,6746.3%
2023-01357,751335,60722,1446.2%
2022-12357,708339,05118,6575.2%
2022-11357,062338,50018,5625.2%
2022-10358,358340,93217,4264.9%
2022-09359,561343,23916,3224.5%
2022-08358,810341,14217,6684.9%
2022-07357,404339,90817,4964.9%
2022-06352,633334,90417,7295.0%
2022-05360,266344,91315,3534.3%
2022-04353,999336,69517,3044.9%
2022-03359,447339,70219,7455.5%
2022-02359,514337,63921,8756.1%
2022-01355,496331,33324,1636.8%
2021-12352,879331,60321,2766.0%
2021-11353,009330,89422,1156.3%
2021-10352,053328,13923,9146.8%
2021-09351,068326,24324,8257.1%
2021-08350,755322,23028,5258.1%
2021-07349,879319,16930,7108.8%
2021-06350,207317,32832,8799.4%
2021-05351,591321,98929,6028.4%
2021-04346,071313,66132,4109.4%
2021-03348,899315,34533,5549.6%
2021-02349,291314,57734,7149.9%
2021-01347,856312,66135,19510.1%
2020-12346,739312,61634,1239.8%
2020-11347,003313,62933,3749.6%
2020-10347,937314,59433,3439.6%
2020-09348,979311,60137,37810.7%
2020-08347,884309,19538,68911.1%
2020-07347,132300,77546,35713.4%
2020-06349,090300,68948,40113.9%
2020-05346,113292,42453,68915.5%
2020-04343,256283,25160,00517.5%
2020-03348,017316,91931,0988.9%
2020-02347,846326,25621,5906.2%
2020-01344,928322,50322,4256.5%
2019-12342,259322,88619,3735.7%
2019-11342,083323,78118,3025.4%
2019-10342,994325,64917,3455.1%
2019-09340,767324,32016,4474.8%
2019-08341,041322,19018,8515.5%
2019-07340,068319,93420,1345.9%
2019-06339,164320,05119,1135.6%
2019-05340,461323,64516,8164.9%
2019-04335,619316,66318,9565.6%
2019-03340,671318,21322,4586.6%
2019-02341,360318,69522,6656.6%
2019-01340,331316,23224,0997.1%
2018-12338,557317,94520,6126.1%
2018-11338,050319,45818,5925.5%
2018-10339,468321,92617,5425.2%
2018-09340,773323,63217,1415.0%
2018-08338,590319,92318,6675.5%
2018-07338,332318,57819,7545.8%
2018-06336,681316,64520,0366.0%
2018-05339,249321,89117,3585.1%
2018-04334,759314,96119,7985.9%
2018-03338,270315,75822,5126.7%
2018-02339,301316,07723,2246.8%
2018-01335,071311,72423,3477.0%

BEA Personal Income

2024$51.43B816,108$63K
2023$46.87B805,909$58K
2022$44.93B795,880$56K
2021$44.19B788,096$56K
2020$40.31B780,676$52K
2019$35.00B772,845$45K
2018$32.26B762,646$42K
2017$30.74B752,124$41K
2016$29.43B740,281$40K
2015$27.99B728,317$38K
2014$25.98B716,476$36K
2013$24.54B705,793$35K
2012$23.61B702,187$34K
2011$22.92B695,787$33K
2010$22.41B687,419$33K
2009$21.66B677,736$32K
2008$21.50B671,692$32K
2007$21.35B668,080$32K
2006$20.60B662,812$31K
2005$19.51B656,985$30K
2004$18.46B642,898$29K
2003$17.31B626,778$28K
2002$16.21B609,041$27K
2001$15.50B591,207$26K
2000$14.22B567,885$25K
1999$13.05B552,424$24K
1998$12.21B540,257$23K
1997$11.49B531,908$22K
1996$10.79B524,657$21K
1995$10.22B517,923$20K
1994$9.90B512,212$19K
1993$9.54B506,385$19K
1992$9.14B500,278$18K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-11$4K$4K$0Yes
2025-08-11$0——Yes
2024-10-01$0——Yes
2024-05-11$0——Yes
2024-01-09$0$0$0Yes
2023-06-30$0——Yes
2023-04-03$9K$9K$0Yes
2023-03-12$93K$88K$5KNo
2023-03-11$261K$221K$40KYes
2023-03-09$12K$12K$0Yes
2023-02-08$0——Yes
2023-02-07$0——Yes
2023-01-31$0——Yes
2023-01-25$0——Yes
2023-01-20$0——Yes
2023-01-17$0——No
2023-01-17$0$0$0Yes
2023-01-16$0$0$0Yes
2023-01-16$0——Yes
2023-01-16$0——No
2023-01-16$118K$118K$0No
2023-01-16$6K$6K$0Yes
2023-01-16$70K$52K$18KYes
2023-01-16$25K$25K$0Yes
2023-01-16$1K$0$1KYes
2023-01-16$178K$123K$55KYes
2023-01-15$21K$21K$0Yes
2023-01-15$3K$3K$0No
2023-01-14$23K$23K$0Yes
2023-01-14$0$0$0No
2023-01-14$34K$34K$0No
2023-01-13$348K$250K$98KYes
2023-01-11$0$0$0Yes
2023-01-11$0——Yes
2023-01-10$4K$4K$0Yes
2023-01-09$0——Yes
2023-01-09$936.7$936.7$0Yes
2023-01-09$39K$39K$0Yes
2023-01-06$0——Yes
2023-01-05$43K$43K$0Yes
2023-01-04$6K$6K$0Yes
2023-01-03$6K$6K$0Yes
2023-01-03$15K$15K$0Yes
2023-01-03$10K$10K$0No
2023-01-02$0——Yes
2023-01-02$0——Yes
2023-01-01$0$0$0Yes
2023-01-01$123K$96K$27KNo
2023-01-01$8K$8K$0Yes
2023-01-01$33K$16K$17KNo
2023-01-01$0$0$0Yes
2023-01-01$36K$36K$0Yes
2022-12-31$64K$62K$2KYes
2022-12-31$23K$23K$0Yes
2022-12-31$4K$0$4KYes
2022-12-31$131K$88K$42KYes
2022-12-31$13K$13K$454.27Yes
2022-12-31$2K$2K$0Yes
2022-12-31$3K$3K$0No
2022-12-31$93K$80K$13KYes
2022-12-30$10K$10K$0Yes
2022-12-30$51K$51K$0Yes
2022-12-30$11K$11K$0Yes
2022-12-30$20K$17K$3KYes
2022-12-27$500K$500K$0No
2022-12-19$0——Yes
2022-08-22$0——Yes
2021-10-25$1K$1K$0Yes
2021-10-24$0——Yes
2021-03-03$0$0$0No
2019-05-19$67K$59K$7KNo
2019-05-18$37K$37K$0Yes
2019-02-13$0——Yes
2019-02-02$0——Yes
2019-01-27$0——No
2017-03-17$0——Yes
2017-02-21$0——Yes
2017-02-21$37K$37K$0Yes
2017-02-21$1K$1K$0Yes
2017-02-20$0——No
2017-02-20$0——No
2017-02-20$0——Yes
2017-02-18$15K$14K$630.68Yes
2017-02-11$0——Yes
2017-02-10$20K$20K$0Yes
2017-02-08$2K$1K$631.27Yes
2017-02-05$0——Yes
2017-01-28$0——Yes
2017-01-27$14K$14K$0No
2017-01-22$0——Yes
2017-01-22$0——No
2017-01-20$19K$19K$0No
2017-01-11$0——No
2017-01-11$0——No
2017-01-11$0——No
2017-01-11$3K$3K$0No
2017-01-11$0——No
2017-01-11$1K$1K$0No
2017-01-11$23K$23K$0No
2017-01-08$0——Yes

ALSO CHECKED

18 more data areas were checked for San Joaquin 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 JOAQUIN COUNTY →Opens the loan explorer already filtered to county FIPS 06077.

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.