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State markets/California/Shasta County

COUNTY MORTGAGE MARKET · FIPS 06089

Shasta County, California

Who lends in Shasta 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

$919.8M

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

Originations · 2025

3,591

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

Denial rate · 2025

17.3%

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

Lenders active · 2025

292

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

Concentration (HHI)

313

unconcentrated

Top-5 lender share

31.9%

of originations

Purchase

65.7%

1,866 loans

Refinance

34.3%

975 loans

Origination trend

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

Lenders in Shasta 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 Shasta 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 SHASTA COUNTY →

TOP TEN LENDERS IN SHASTA 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.

220$70.2M$70.2M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
162$59.6M$59.6M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
239$58.8M$58.8M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
180$53.7M$53.7M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
183$50.7M$50.7M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
123$41.3M$41.3M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
115$38.4M$38.4M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
81$34.4M$34.4M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
204$28.9M$28.9M originated in Shasta County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
74$23.0M$23.0M originated in Shasta 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 Shasta County

All 30 ZIP Code Tabulation Areas that touch Shasta 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.
30 OF 30 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1212 of the 16 Shasta County tracts this ZIP area touches sit mostly inside it.44,23923.3%11,043——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Shasta County tracts this ZIP area touches sit mostly inside it.36,68229.7%7,731——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Shasta County tracts this ZIP area touches sit mostly inside it.32,93824.6%7,610——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 13 Shasta County tracts this ZIP area touches sit mostly inside it.24,46326.7%6,217——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Shasta County tracts this ZIP area touches sit mostly inside it.9,27824.6%2,292——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Shasta County tracts this ZIP area touches sit mostly inside it.6,50016.2%2,618——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Shasta County tracts this ZIP area touches sit mostly inside it.5,57924.3%1,564——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Shasta County tracts this ZIP area touches sit mostly inside it.4,91017.5%1,498——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Shasta County tracts this ZIP area touches sit mostly inside it.4,15424.6%1,186——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Shasta County tracts this ZIP area touches sit mostly inside it.3,46419.9%1,233——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Shasta County tract this ZIP area touches sit mostly inside it.3,34624.1%1,150——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Shasta County tract this ZIP area touches sit mostly inside it.3,20926.1%754——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Shasta County tracts this ZIP area touches sit mostly inside it.1,98514.3%755——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Shasta County tracts this ZIP area touches sit mostly inside it.1,40817.3%587——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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.

50 of Shasta County’s 50 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 Shasta County

All 50 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.

50 OF 50 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle96.7%1,68033.8%OPEN →
Middle87.8%2,22520.7%OPEN →
Middle100.1%4,12529.3%OPEN →
Middle94.2%4,45226.0%OPEN →
Middle87.6%4,92729.3%OPEN →
Upper150.8%2,49521.2%OPEN →
Middle104.4%5,68322.1%OPEN →
Upper160.1%90613.4%OPEN →
Upper145.1%3,73120.2%OPEN →
Middle85.1%3,42325.3%OPEN →
Moderate59.7%4,62327.3%OPEN →
Middle87.0%5,76829.4%OPEN →
Middle114.2%2,27921.4%OPEN →
Middle117.2%5,01223.7%OPEN →
Moderate73.9%3,12822.9%OPEN →
Upper166.8%4,64720.4%OPEN →
Moderate68.5%4,24830.7%OPEN →
Upper195.8%1,67420.4%OPEN →
Middle97.4%5,42925.8%OPEN →
Upper139.0%3,46723.7%OPEN →
Moderate66.3%6,38438.3%OPEN →
Middle97.1%5,37934.7%OPEN →
Middle108.5%3,96925.9%OPEN →
Middle106.2%3,27923.9%OPEN →
Upper141.9%3,25524.9%OPEN →
Upper159.1%3,41226.7%OPEN →
Middle95.6%2,63120.3%OPEN →
Middle90.2%3,78825.6%OPEN →
Middle110.5%2,69523.1%OPEN →
Moderate77.2%3,44926.5%OPEN →
Moderate65.3%3,13423.8%OPEN →
Middle111.8%2,48216.0%OPEN →
Upper149.1%2,54018.2%OPEN →
Middle119.1%2,81819.6%OPEN →
Upper150.9%4,91017.5%OPEN →
Moderate67.0%5,35731.3%OPEN →
Middle95.3%4,91527.4%OPEN →
Middle97.2%2,15222.9%OPEN →
Middle91.0%5,57924.3%OPEN →
Middle84.6%2,60431.7%OPEN →
Middle107.3%5,42624.7%OPEN →
Upper121.3%4,00921.3%OPEN →
Upper120.8%3,46419.9%OPEN →
Moderate79.7%1,40817.3%OPEN →
Middle113.1%4,29516.1%OPEN →
Middle98.4%2,20516.6%OPEN →
Upper143.0%1,98514.3%OPEN →
Moderate66.6%3,34624.1%OPEN →
Middle82.0%4,15424.6%OPEN →
Middle88.9%3,20926.1%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

181,436

Median household income

$72,636

Median home value

$366,400

Median gross rent

$1,317

per month

Owner-occupied

65.6%

of occupied units

Housing units

80,068

11.0% vacant

Poverty rate

13.3%

Unemployment

6.3%

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 Moderate

score 93.4

Social vulnerability

Relatively Moderate

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Wildfire Relatively High

Federal disaster history

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

Months with an active declaration

100

Declarations recorded

41

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

Everything we hold on Shasta 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 Shasta County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Shasta County →Every reported application and origination in FIPS 06089, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Shasta 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

328

—

Purchase share

46.6%

153 loans

IRRRL refinances

137

Cash-out refinances

38

2026328—15313738
2025334—1889056
2024238—1613344
2023208—149455
2022——23897194
20211,217—234783200
20201,127—278646203
2019523—226110187
2018542—27459209
2017756—272245239
2016729—299237193
2015607—271186150

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 Shasta 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

Shasta 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

249

+1.2% vs 2024

Multifamily · 2025

5

—

Total authorized · 2025

254

+3.3% vs 2024

Permit valuation · 2025

$89.1M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
06251.3K1.9K2.5K1990199219941996199820002002200420062008201020122014201620182020202220242025254 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 Shasta County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Other flows - West, DS6401,116$42.8M
outflow2223Other flows - South, DS5921,047$34.5M
inflow2223Other flows - West, DS501875$28.3M
inflow2223Tehama County, CA355674$19.0M
outflow2223Tehama County, CA340639$20.0M
inflow2223Other flows - South, DS327574$22.9M
outflow2223Other flows - Midwest, DS209362$9.6M
inflow2223Sacramento County, CA206368$13.3M
outflow2223Butte County, CA172286$8.3M
inflow2223Other flows - Midwest, DS169282$8.2M
inflow2223Butte County, CA159226$10.8M
outflow2223Sacramento County, CA156239$8.0M
inflow2223Humboldt County, CA123207$7.7M
inflow2223Los Angeles County, CA114192$6.4M
inflow2223Contra Costa County, CA101182$19.5M
inflow2223Siskiyou County, CA98173$4.7M
outflow2223San Diego County, CA96129$8.0M
inflow2223Santa Clara County, CA89143$8.2M
outflow2223Humboldt County, CA88132$4.1M
inflow2223Alameda County, CA82132$7.9M
outflow2223Los Angeles County, CA78103$4.0M
outflow2223Other flows - Northeast, DS77112$3.8M
outflow2223Siskiyou County, CA73117$3.1M
inflow2223Sonoma County, CA72117$5.3M
inflow2223Trinity County, CA69113$3.2M
inflow2223San Diego County, CA68125$5.2M
inflow2223Other flows - Northeast, DS63101$3.4M
outflow2223Sonoma County, CA5692$3.6M
inflow2223Solano County, CA55113$3.6M
outflow2223Placer County, CA5494$4.8M
inflow2223Riverside County, CA5398$2.0M
outflow2223Santa Clara County, CA5173$4.0M
outflow2223Maricopa County, AZ5077$3.2M
inflow2223Placer County, CA4997$3.9M
inflow2223San Joaquin County, CA4886$2.4M
outflow2223Jackson County, OR4772$1.8M
outflow2223Washoe County, NV4659$3.1M
inflow2223Lassen County, CA4578$4.2M
inflow2223Orange County, CA4486$3.2M
outflow2223Orange County, CA4367$2.7M
outflow2223Trinity County, CA4281$2.6M
outflow2223Alameda County, CA4163$2.0M
inflow2223Maricopa County, AZ4079$3.2M
outflow2223Contra Costa County, CA3873$4.4M
outflow2223Riverside County, CA3865$1.8M
inflow2223Washoe County, NV3758$2.6M
outflow2223Lassen County, CA3767$1.6M
inflow2223San Bernardino County, CA3558$2.5M
inflow2223San Mateo County, CA3459$3.0M
inflow2223Fresno County, CA3457$1.3M
outflow2223Solano County, CA3465$2.2M
inflow2223Jackson County, OR3355$2.0M
inflow2223Yolo County, CA3255$2.3M
outflow2223El Dorado County, CA3049$2.0M
outflow2223King County, WA3042$1.6M
outflow2223Clark County, NV2948$3.3M
inflow2223Clark County, NV2947$1.5M
inflow2223Ventura County, CA2850$2.0M
outflow2223San Francisco County, CA2837$2.5M
outflow2223Foreign - Other flows, FR2736$1.4M
inflow2223Stanislaus County, CA2758$1.3M
outflow2223San Joaquin County, CA2746$1.3M
outflow2223Ada County, ID2748$1.2M
inflow2223Monterey County, CA2639$2.1M
inflow2223San Francisco County, CA2644$2.1M
inflow2223Sutter County, CA2543$1.4M
inflow2223Kern County, CA2547$1.3M
inflow2223Santa Cruz County, CA2543$1.3M
inflow2223Josephine County, OR2339$1.5M
outflow2223Multnomah County, OR2330$777K
inflow2223Glenn County, CA2348$1.3M
outflow2223San Bernardino County, CA2342$1.3M
inflow2223Mendocino County, CA2341$1.1M
outflow2223Fresno County, CA2253$1.3M
outflow2223Lane County, OR2236$1.1M
outflow2223Canyon County, ID2230$893K
outflow2223Monterey County, CA2137$1.9M
inflow2223El Dorado County, CA2026$1.4M
inflow2223Deschutes County, OR2033$1.2M
inflow2223Multnomah County, OR2036$797K
inflow2223King County, WA2034$1.2M
outflow2223Santa Cruz County, CA2026$1.0M
outflow2223Yolo County, CA2031$1.2M
outflow2223Klamath County, OR2030$1.2M
outflow2223San Luis Obispo County, CA2031$1.2M
outflow2223Del Norte County, CA2037$978K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS7221,485$51.4M
outflow2122Other flows - West, DS6611,128$45.5M
inflow2122Other flows - West, DS533955$33.5M
inflow2122Tehama County, CA384702$23.3M
outflow2122Tehama County, CA360668$19.7M
inflow2122Other flows - South, DS327574$18.0M
outflow2122Other flows - Midwest, DS225428$13.2M
inflow2122Sacramento County, CA214350$12.8M
outflow2122Sacramento County, CA194298$11.4M
inflow2122Butte County, CA175274$8.5M
outflow2122Butte County, CA167231$7.9M
inflow2122Other flows - Midwest, DS166289$7.0M
inflow2122Humboldt County, CA146260$7.2M
inflow2122Los Angeles County, CA137246$8.1M
inflow2122Alameda County, CA114195$11.1M
inflow2122Siskiyou County, CA106179$5.5M
inflow2122Contra Costa County, CA105215$10.4M
outflow2122Humboldt County, CA99167$4.1M
inflow2122Sonoma County, CA93160$7.1M
outflow2122San Diego County, CA89131$5.2M
inflow2122Other flows - Northeast, DS89135$4.4M
inflow2122Santa Clara County, CA86139$9.5M
outflow2122Siskiyou County, CA84142$4.1M
inflow2122San Diego County, CA78119$4.0M
outflow2122Other flows - Northeast, DS76126$4.0M
outflow2122Placer County, CA73139$6.3M
inflow2122Riverside County, CA73126$3.5M
inflow2122Solano County, CA70114$4.7M
outflow2122Los Angeles County, CA6897$2.9M
outflow2122Maricopa County, AZ66120$4.5M
outflow2122Jackson County, OR6595$3.8M
outflow2122Washoe County, NV5897$5.5M
inflow2122Placer County, CA57101$4.7M
inflow2122Orange County, CA5596$4.6M
outflow2122Trinity County, CA5497$3.8M
inflow2122Trinity County, CA54107$3.1M
inflow2122San Bernardino County, CA52113$2.9M
outflow2122Clark County, NV4671$6.0M
inflow2122San Joaquin County, CA4584$2.6M
outflow2122Orange County, CA4478$3.6M
outflow2122Santa Clara County, CA4367$2.8M
outflow2122Sonoma County, CA4154$1.8M
outflow2122Yolo County, CA4057$2.1M
inflow2122Santa Cruz County, CA4078$2.7M
inflow2122Lassen County, CA4065$2.1M
inflow2122Ventura County, CA3868$3.3M
outflow2122Contra Costa County, CA3860$1.9M
outflow2122Lassen County, CA3777$2.0M
inflow2122Jackson County, OR3556$1.8M
inflow2122Multnomah County, OR3548$1.5M
outflow2122Solano County, CA3464$2.7M
outflow2122Riverside County, CA3456$2.0M
outflow2122Multnomah County, OR3344$1.6M
inflow2122San Mateo County, CA3352$3.4M
outflow2122San Joaquin County, CA3356$1.8M
inflow2122Fresno County, CA3248$1.2M
outflow2122Alameda County, CA3159$2.4M
inflow2122Mendocino County, CA3160$3.4M
inflow2122Kern County, CA3061$1.9M
outflow2122El Dorado County, CA3041$2.3M
inflow2122King County, WA2945$1.2M
inflow2122Maricopa County, AZ2953$2.5M
inflow2122Clark County, NV2846$1.2M
inflow2122Washoe County, NV2743$1.9M
outflow2122Fresno County, CA2737$1.2M
inflow2122Nevada County, CA2737$1.1M
inflow2122Monterey County, CA2744$1.3M
inflow2122Glenn County, CA2755$1.6M
outflow2122Josephine County, OR2645$956K
outflow2122Canyon County, ID2653$1.2M
outflow2122San Bernardino County, CA2637$1.2M
outflow2122Clark County, WA2543$1.5M
outflow2122King County, WA2529$1.3M
outflow2122Klamath County, OR2537$1.3M
inflow2122Stanislaus County, CA2441$1.2M
inflow2122San Francisco County, CA2432$2.3M
inflow2122Santa Barbara County, CA2442$1.1M
inflow2122San Luis Obispo County, CA2347$1.3M
inflow2122Yolo County, CA2350$1.3M
inflow2122Lane County, OR2235$1.1M
outflow2122San Luis Obispo County, CA2230$1.4M
outflow2122Lane County, OR2239$1.4M
inflow2122Modoc County, CA2236$908K
outflow2122Greenville County, SC2268$1.7M
outflow2122San Francisco County, CA2124$1.6M
outflow2122Sutter County, CA2130$947K
inflow2122Pierce County, WA2041$1.2M
inflow2122El Dorado County, CA2028$1.3M
outflow2122Deschutes County, OR2041$1.3M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS6691,339$44.7M
outflow2021Other flows - West, DS6181,164$36.0M
inflow2021Other flows - West, DS5711,012$26.6M
inflow2021Tehama County, CA420760$24.9M
outflow2021Tehama County, CA347693$17.8M
inflow2021Other flows - South, DS340617$16.4M
outflow2021Other flows - Midwest, DS284498$14.9M
inflow2021Sacramento County, CA212403$10.9M
inflow2021Butte County, CA178263$9.6M
inflow2021Other flows - Midwest, DS177313$9.0M
outflow2021Butte County, CA164240$6.6M
outflow2021Sacramento County, CA163250$7.8M
inflow2021Los Angeles County, CA153230$7.7M
inflow2021Humboldt County, CA139270$7.3M
inflow2021Contra Costa County, CA136253$12.3M
inflow2021Alameda County, CA111206$10.1M
outflow2021Humboldt County, CA106169$4.3M
inflow2021Santa Clara County, CA105171$6.4M
outflow2021Los Angeles County, CA104136$5.0M
inflow2021Sonoma County, CA100157$7.8M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Shasta County.

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

2023PurchaseNo CharacteristicAll Appraisals1,130.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023RefinanceNo CharacteristicAll Appraisals346.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,476.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals382,500.0
2023BothNo CharacteristicAll Appraisals383,000.0
2023PurchaseNo CharacteristicAll Appraisals384,500.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals380,000.0
2022PurchaseNo CharacteristicAll Appraisals0.5
2022PurchaseNo CharacteristicAll Appraisals387,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,007.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.4
2022RefinanceNo CharacteristicAll Appraisals373,000.0
2022BothNo CharacteristicAll Appraisals2,594.0
2022PurchaseNo CharacteristicAll Appraisals1,587.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals360,000.0
2021BothNo CharacteristicAll Appraisals4,869.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,197.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021RefinanceNo CharacteristicAll Appraisals2,672.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals360,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals365,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals4,873.0
2020PurchaseNo CharacteristicAll Appraisals1,938.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2020BothNo CharacteristicAll Appraisals325,000.0
2020RefinanceNo CharacteristicAll Appraisals327,000.0
2020RefinanceNo CharacteristicAll Appraisals2,935.0
2020PurchaseNo CharacteristicAll Appraisals322,500.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals303,000.0
2019PurchaseNo CharacteristicAll Appraisals1,694.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals315,000.0
2019BothNo CharacteristicAll Appraisals3,493.0
2019RefinanceNo CharacteristicAll Appraisals1,799.0
2019PurchaseNo CharacteristicAll Appraisals290,000.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2018RefinanceNo CharacteristicAll Appraisals285,000.0
2018BothNo CharacteristicAll Appraisals2,865.0
2018PurchaseNo CharacteristicAll Appraisals1,752.0
2018RefinanceNo CharacteristicAll Appraisals1,113.0
2018BothNo CharacteristicAll Appraisals283,000.0
2018PurchaseNo CharacteristicAll Appraisals280,500.0
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals275,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals3,170.0
2017PurchaseNo CharacteristicAll Appraisals1,715.0
2017PurchaseNo CharacteristicAll Appraisals270,000.0
2017RefinanceNo CharacteristicAll Appraisals1,455.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017BothNo CharacteristicAll Appraisals272,000.0
2016PurchaseNo CharacteristicAll Appraisals1,692.0
2016RefinanceNo CharacteristicAll Appraisals275,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals252,000.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals265,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016BothNo CharacteristicAll Appraisals3,853.0
2016RefinanceNo CharacteristicAll Appraisals2,161.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals250,000.0
2015PurchaseNo CharacteristicAll Appraisals0.5
2015RefinanceNo CharacteristicAll Appraisals269,000.0
2015BothNo CharacteristicAll Appraisals3,268.0
2015RefinanceNo CharacteristicAll Appraisals1,809.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.4
2015PurchaseNo CharacteristicAll Appraisals1,459.0
2015BothNo CharacteristicAll Appraisals260,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals240,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0580,80177,1453,6564.5%
2026-0481,25277,1924,0605.0%
2026-0381,87777,3504,5275.5%
2026-0282,08677,2564,8305.9%
2026-0181,77876,9634,8155.9%
2025-1281,87577,6354,2405.2%
2025-1182,37777,9654,4125.4%
2025-0980,77976,4074,3725.4%
2025-0881,29876,7994,4995.5%
2025-0781,34476,7554,5895.6%
2025-0681,85177,5004,3515.3%
2025-0581,29477,3653,9294.8%
2025-0481,20976,9294,2805.3%
2025-0380,96276,0574,9056.1%
2025-0280,64175,7124,9296.1%
2025-0181,44176,6064,8355.9%
2024-1279,71275,6024,1105.2%
2024-1180,06675,9724,0945.1%
2024-1080,80976,8004,0095.0%
2024-0980,19776,3053,8924.9%
2024-0880,63276,2614,3715.4%
2024-0779,52175,0574,4645.6%
2024-0679,09174,9584,1335.2%
2024-0578,88175,3493,5324.5%
2024-0478,91474,9503,9645.0%
2024-0379,10274,4764,6265.8%
2024-0278,65673,7374,9196.3%
2024-0179,12074,5184,6025.8%
2023-1278,33574,4713,8644.9%
2023-1178,36474,6803,6844.7%
2023-1079,00675,3773,6294.6%
2023-0979,15275,6373,5154.4%
2023-0879,02375,2463,7774.8%
2023-0777,88874,3413,5474.6%
2023-0677,94074,3593,5814.6%
2023-0577,97174,6153,3564.3%
2023-0477,48673,9733,5134.5%
2023-0377,86173,6024,2595.5%
2023-0277,58273,2994,2835.5%
2023-0177,58773,3394,2485.5%
2022-1276,22072,9203,3004.3%
2022-1175,98772,6703,3174.4%
2022-1077,23274,1053,1274.0%
2022-0976,66573,7402,9253.8%
2022-0876,73873,4543,2844.3%
2022-0775,32272,1223,2004.2%
2022-0676,50873,2393,2694.3%
2022-0576,23973,4382,8013.7%
2022-0475,61772,4283,1894.2%
2022-0376,65072,9283,7224.9%
2022-0276,11671,9904,1265.4%
2022-0177,08872,5474,5415.9%
2021-1275,60171,8513,7505.0%
2021-1175,99272,0593,9335.2%
2021-1076,80572,6544,1515.4%
2021-0976,55572,2804,2755.6%
2021-0876,87171,8675,0046.5%
2021-0775,77470,4715,3037.0%
2021-0677,15171,5505,6017.3%
2021-0576,40771,4864,9216.4%
2021-0476,37170,8115,5607.3%
2021-0376,92370,8806,0437.9%
2021-0276,40570,1676,2388.2%
2021-0177,27471,1206,1548.0%
2020-1276,02870,2565,7727.6%
2020-1175,97270,4845,4887.2%
2020-1077,12471,8165,3086.9%
2020-0977,11471,3175,7977.5%
2020-0876,84070,7716,0697.9%
2020-0776,39769,0867,3119.6%
2020-0677,62669,8447,78210.0%
2020-0574,45665,1819,27512.5%
2020-0476,28064,64611,63415.3%
2020-0377,40771,7345,6737.3%
2020-0277,01373,0363,9775.2%
2020-0177,46273,3704,0925.3%
2019-1276,43273,1793,2534.3%
2019-1176,80773,7043,1034.0%
2019-1077,62974,6073,0223.9%
2019-0976,90474,0682,8363.7%
2019-0876,76373,5173,2464.2%
2019-0775,85672,3523,5044.6%
2019-0676,38872,9883,4004.5%
2019-0575,89972,9422,9573.9%
2019-0475,34071,8663,4744.6%
2019-0376,46972,1854,2845.6%
2019-0275,68671,1984,4885.9%
2019-0176,48571,7874,6986.1%
2018-1275,92672,2143,7124.9%
2018-1176,69673,3373,3594.4%
2018-1076,91473,6043,3104.3%
2018-0976,11372,8253,2884.3%
2018-0875,88672,3153,5714.7%
2018-0775,92372,2543,6694.8%
2018-0676,13772,4513,6864.8%
2018-0575,55372,3753,1784.2%
2018-0475,04271,2903,7525.0%
2018-0376,05571,6834,3725.7%
2018-0276,05371,6214,4325.8%
2018-0175,95771,6524,3055.7%

BEA Personal Income

2024$11.19B181,121$62K
2023$10.33B180,656$57K
2022$9.87B180,972$55K
2021$9.92B182,243$54K
2020$9.33B182,190$51K
2019$8.32B182,308$46K
2018$7.98B182,041$44K
2017$7.75B181,490$43K
2016$7.45B180,391$41K
2015$7.24B179,896$40K
2014$6.83B180,128$38K
2013$6.42B179,383$36K
2012$6.34B178,556$36K
2011$6.23B177,972$35K
2010$6.12B177,349$34K
2009$5.87B177,279$33K
2008$5.79B177,247$33K
2007$5.75B176,548$33K
2006$5.51B176,166$31K
2005$5.15B175,615$29K
2004$5.05B174,867$29K
2003$4.90B173,202$28K
2002$4.75B170,198$28K
2001$4.57B166,408$27K
2000$4.18B163,615$26K
1999$3.93B161,987$24K
1998$3.75B162,034$23K
1997$3.55B160,761$22K
1996$3.37B159,737$21K
1995$3.25B159,198$20K
1994$3.13B158,621$20K
1993$3.01B157,735$19K
1992$2.89B156,800$18K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-12-22$279K$183K$96KYes
2025-12-22$101K$96K$5KNo
2025-12-22$236K$236K$0No
2025-12-21$42K$42K$0Yes
2025-12-21$38K$38K$0No
2025-12-21$126K$116K$10KYes
2025-12-21$84K$81K$3KYes
2025-12-21$125K$125K$0Yes
2025-12-21$80K$80K$0Yes
2025-12-21$43K$43K$0No
2025-12-21$22K$22K$0Yes
2025-12-21$54K$22K$32KYes
2025-12-21$39K$39K$0No
2025-12-21$63K$63K$0Yes
2025-12-21$28K$28K$0Yes
2025-12-21$4K$0$4KYes
2025-12-21$21K$17K$5KYes
2025-12-21$40K$40K$0Yes
2025-12-21$0$0$0Yes
2025-12-21$13K$13K$0No
2025-12-21$440K$440K$0No
2025-12-20$104K$86K$17KNo
2025-02-04$1K$1K$0Yes
2024-11-27$10K$10K$0Yes
2024-02-06$16K$16K$689.82Yes
2023-04-14$48K$48K$0Yes
2023-03-20$0——No
2023-03-18$20K$20K$0No
2023-03-14$34K$34K$434.16Yes
2019-12-07$68K$57K$11KYes
2019-03-27$5K$2K$3KYes
2019-03-11$15K$15K$0Yes
2019-02-13$34K$34K$0Yes
2017-03-02$0——Yes
2017-02-17$20K$20K$0Yes
2017-02-17$0——Yes
2017-02-15$516.37$0$516.37Yes
2017-02-14$0——Yes
2017-02-09$0——Yes
2017-02-09$10K$4K$6KYes
2017-02-08$0——Yes
2017-02-08$14K$14K$0Yes
2017-02-06$18K$6K$12KYes
2017-02-06$7K$7K$0Yes
2017-02-06$54K$54K$0Yes
2017-02-06$48K$48K$0Yes
2017-02-06$61K$52K$9KYes
2017-02-06$0——Yes
2017-02-06$121K$49K$72KYes
2017-02-06$44K$44K$0Yes
2017-02-06$0——No
2017-02-06$70K$50K$20KYes
2017-02-06$12K$12K$0Yes
2017-02-06$27K$11K$16KYes
2017-02-06$17K$17K$0Yes
2017-02-06$9K$9K$0No
2017-02-05$1K$1K$0Yes
2017-02-05$20K$12K$8KYes
2017-02-03$19K$19K$0No
2017-01-20$50K$50K$0Yes
2017-01-19$0——Yes
2017-01-10$57K$44K$13KYes
2017-01-08$26K$26K$0No
2016-12-16$6K$0$6KYes
2016-12-16$75K$75K$0Yes
2016-12-15$15K$15K$0Yes
2016-03-20$8K$8K$0Yes
2016-03-12$106K$76K$0Yes
2016-02-01$11K$11K$0No
2016-01-18$62K$62K$0No
2014-12-17$0——Yes
2014-12-12$0——Yes
2014-12-11$25K$25K$0No
2014-12-11$3K$3K$0No
2014-12-11$15K$15K$0Yes
2014-12-11$9K$2K$7KYes
2014-12-11$0——No
2014-12-11$8K$8K$0Yes
2014-12-02$0——No
2012-12-03$0——Yes
2012-12-02$56K$31K$25KYes
2012-12-02$7K$7K$0Yes
2012-12-02$47K$47K$0Yes
2012-12-02$0——Yes
2012-12-02$12K$12K$0Yes
2012-12-02$13K$13K$0Yes
2012-12-02$15K$15K$0Yes
2012-12-02$39K$39K$0No
2012-12-02$22K$22K$0Yes
2012-12-02$4K$4K$0Yes
2012-12-02$837.89$837.89$0Yes
2012-12-02$1K$1K$0Yes
2012-12-02$7K$7K$0Yes
2012-12-02$37K$34K$3KYes
2012-12-02$31K$31K$0Yes
2012-12-02$24K$24K$0Yes
2012-12-01$8K$8K$0Yes
2012-12-01$0——Yes
2012-01-20$0——Yes
2012-01-10$0——Yes

ALSO CHECKED

18 more data areas were checked for Shasta 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 SHASTA COUNTY →Opens the loan explorer already filtered to county FIPS 06089.

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.