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State markets/Colorado/Adams County

COUNTY MORTGAGE MARKET · FIPS 08001

Adams County, Colorado

Who lends in Adams 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

$4.98B

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

Originations · 2025

13,839

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

Denial rate · 2025

19.6%

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

Lenders active · 2025

494

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

Concentration (HHI)

302

unconcentrated

Top-5 lender share

27.1%

of originations

Purchase

68.2%

7,961 loans

Refinance

31.8%

3,704 loans

Origination trend

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

Lenders in Adams 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 Adams 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 ADAMS COUNTY →

TOP TEN LENDERS IN ADAMS 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.

1,582$694.4M$694.4M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
719$222.0M$222.0M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
337$182.3M$182.3M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
283$134.2M$134.2M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
237$114.5M$114.5M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
319$112.9M$112.9M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
243$111.8M$111.8M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
276$109.5M$109.5M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
354$106.2M$106.2M originated in Adams County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
221$75.9M$75.9M originated in Adams 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 Adams County

All 35 ZIP Code Tabulation Areas that touch Adams 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.
35 OF 35 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 13 Adams County tracts this ZIP area touches sit mostly inside it.55,68363.0%10,767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 12 Adams County tracts this ZIP area touches sit mostly inside it.55,48865.8%11,956——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Adams County tracts this ZIP area touches sit mostly inside it.49,20735.8%12,649——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Adams County tracts this ZIP area touches sit mostly inside it.45,80346.0%10,150——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Adams County tracts this ZIP area touches sit mostly inside it.41,84266.5%8,464——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 Adams County tracts this ZIP area touches sit mostly inside it.40,47950.2%7,914——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Adams County tracts this ZIP area touches sit mostly inside it.36,22568.1%6,649——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Adams County tracts this ZIP area touches sit mostly inside it.31,90937.2%8,804——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Adams County tracts this ZIP area touches sit mostly inside it.29,58036.8%7,830——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Adams County tracts this ZIP area touches sit mostly inside it.28,83737.6%6,953——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Adams County tracts this ZIP area touches sit mostly inside it.22,33378.4%4,115——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Adams County tracts this ZIP area touches sit mostly inside it.20,09479.0%1,927——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Adams County tracts this ZIP area touches sit mostly inside it.19,06954.7%3,111——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Adams County tracts this ZIP area touches sit mostly inside it.15,69258.7%3,678——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Adams County tracts this ZIP area touches sit mostly inside it.5,59635.0%1,515——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Adams County tracts this ZIP area touches sit mostly inside it.5,53730.5%1,445——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Adams County tract this ZIP area touches sit mostly inside it.5,32523.2%1,364——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Adams County tract this ZIP area touches sit mostly inside it.4,02273.8%1,134——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Adams County tracts this ZIP area touches sit mostly inside it.2,89244.6%1,227——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Adams County tracts this ZIP area touches sit mostly inside it.2,58129.1%385——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Adams County tracts this ZIP area touches sit mostly inside it.1,37843.2%28——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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 Adams 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.

107 of Adams County’s 107 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 Adams County

All 107 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.

107 OF 107 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low36.8%3,93684.8%OPEN →
Low40.3%3,89387.5%OPEN →
Low48.4%5,49077.0%OPEN →
Moderate53.3%6,77572.3%OPEN →
Middle83.0%1,37843.2%OPEN →
Moderate71.5%6,52177.2%OPEN →
Low41.8%6,71481.0%OPEN →
Moderate57.7%4,27885.5%OPEN →
Middle95.5%4,02273.8%OPEN →
Moderate79.4%4,82070.1%OPEN →
Middle87.6%5,53730.5%OPEN →
Middle101.3%5,32523.2%OPEN →
Moderate76.2%7,12645.9%OPEN →
Low45.5%6,46049.7%OPEN →
Middle86.6%6,29045.5%OPEN →
Moderate78.2%5,55842.6%OPEN →
Upper122.9%9,37438.4%OPEN →
Middle114.4%7,50933.5%OPEN →
Moderate71.8%7,70649.8%OPEN →
Middle90.4%4,34446.3%OPEN →
Middle100.0%4,38956.4%OPEN →
Upper120.6%4,35345.0%OPEN →
Upper125.6%11,71244.0%OPEN →
Upper121.4%10,37640.4%OPEN →
Upper133.7%6,24236.0%OPEN →
Middle116.1%6,73130.6%OPEN →
Middle89.3%3,51741.3%OPEN →
Middle96.0%3,46843.5%OPEN →
Middle104.7%1,71344.9%OPEN →
Middle98.4%4,58144.4%OPEN →
Middle97.9%8,31942.1%OPEN →
Upper147.4%1,78839.0%OPEN →
Moderate79.7%5,18548.0%OPEN →
Upper132.8%5,59635.0%OPEN →
Middle90.7%2,50733.9%OPEN →
Moderate77.8%5,84843.0%OPEN →
Middle105.2%6,07650.3%OPEN →
Middle120.0%85245.8%OPEN →
Upper120.6%4,22052.8%OPEN →
Middle84.1%8,67257.4%OPEN →
Upper169.3%2,20322.2%OPEN →
Upper122.1%4,82420.4%OPEN →
Middle107.4%5,78739.3%OPEN →
Middle104.3%4,42939.4%OPEN →
Moderate69.0%1,19240.0%OPEN →
Middle91.2%7,01347.5%OPEN →
Low42.1%2,11871.8%OPEN →
Moderate68.3%4,55160.7%OPEN →
Middle110.7%4,10349.4%OPEN →
Moderate70.7%6,10160.5%OPEN →
Low48.8%5,39976.5%OPEN →
Low45.2%5,57279.0%OPEN →
Moderate56.6%8,13979.6%OPEN →
Moderate58.1%5,13876.8%OPEN →
Moderate55.2%4,37575.3%OPEN →
Moderate78.3%2,47874.3%OPEN →
Moderate65.0%4,77066.7%OPEN →
Moderate71.2%4,40568.5%OPEN →
Moderate66.1%5,04067.5%OPEN →
Moderate70.2%4,22065.6%OPEN →
Moderate53.5%4,38377.3%OPEN →
Moderate61.2%6,47064.6%OPEN →
Moderate57.4%4,38664.5%OPEN →
Moderate63.2%4,59472.5%OPEN →
Moderate74.8%6,91858.8%OPEN →
Middle91.5%2,63054.8%OPEN →
Moderate70.5%4,56064.6%OPEN →
Moderate65.6%5,80953.0%OPEN →
Moderate61.6%3,86366.1%OPEN →
Middle83.5%3,82868.4%OPEN →
Moderate77.1%4,37271.6%OPEN →
Moderate76.3%3,78260.2%OPEN →
Moderate68.3%6,20171.1%OPEN →
Low49.5%8,15073.5%OPEN →
Low37.6%6,41473.9%OPEN →
Low35.6%3,02674.0%OPEN →
Moderate50.0%3,20268.3%OPEN →
Moderate60.3%4,38365.6%OPEN →
Moderate60.8%5,24168.0%OPEN →
Moderate66.9%3,70453.1%OPEN →
Middle92.4%5,72130.6%OPEN →
Middle89.9%2,61928.8%OPEN →
Middle89.3%4,24842.7%OPEN →
Moderate72.5%5,06051.6%OPEN →
Moderate78.9%4,49344.1%OPEN →
Moderate70.2%5,35252.5%OPEN →
Middle106.6%4,80226.9%OPEN →
Upper141.6%5,80724.9%OPEN →
Upper140.8%3,38123.2%OPEN →
Middle103.4%3,01431.5%OPEN →
Moderate68.1%3,21566.7%OPEN →
Moderate68.8%5,76461.6%OPEN →
Moderate67.4%3,52862.5%OPEN →
Moderate63.2%6,24648.7%OPEN →
Moderate59.7%4,72452.2%OPEN →
Moderate68.6%3,44272.1%OPEN →
Moderate73.9%4,88456.9%OPEN →
Middle107.3%2,89244.6%OPEN →
Moderate73.1%4,04863.5%OPEN →
Moderate79.0%3,01467.4%OPEN →
Low47.4%3,11263.8%OPEN →
Middle98.2%2,58129.1%OPEN →
Upper155.3%4,28730.9%OPEN →
Middle117.7%7,31837.9%OPEN →
Moderate77.9%5,22734.3%OPEN →
Upper135.2%3,81933.8%OPEN →
—0.0%00.0%OPEN →

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

Housing & households

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

Population

530,225

Median household income

$94,571

Median home value

$484,200

Median gross rent

$1,781

per month

Owner-occupied

68.6%

of occupied units

Housing units

195,793

3.6% vacant

Poverty rate

9.8%

Unemployment

4.6%

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 Moderate

score 91.2

Social vulnerability

Very Low

Community resilience

Relatively Moderate

ELEVATED PERILS

Tornado Relatively High · Hail Very High · Strong wind Relatively High · Winter weather 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

60

Declarations recorded

12

Incident types on record: Biological, Coastal Storm, Fire, Flood, Snowstorm, Tornado.

Everything we hold on Adams 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 Adams County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Adams County →Every reported application and origination in FIPS 08001, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Adams 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

847

—

Purchase share

50.4%

427 loans

IRRRL refinances

306

Cash-out refinances

114

2026847—427306114
2025947—599204144
2024713—51891104
2023759—62110128
2022——709266526
20213,527—8182,243466
20203,494—8132,108573
20191,781—736406639
20181,780—810194776
20172,371—816697858
20162,284—850740694
20151,898—812549537

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 Adams 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

Adams County building permits

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

Single-family · 2025

1,884

−7.1% vs 2024

Multifamily · 2025

724

+111.1% vs 2024

Total authorized · 2025

2,608

+10.0% vs 2024

Permit valuation · 2025

$741.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,608 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 Adams County, showing population movement and wealth transfer.

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

inflow2223Denver County, CO5,1108,468$321.4M
outflow2223Denver County, CO3,6265,734$218.5M
inflow2223Jefferson County, CO3,3275,265$223.6M
inflow2223Arapahoe County, CO3,1555,540$175.9M
outflow2223Jefferson County, CO2,8334,360$182.0M
outflow2223Arapahoe County, CO2,7084,662$146.5M
outflow2223Weld County, CO2,0583,846$150.0M
outflow2223Other flows - South, DS1,6532,930$120.5M
inflow2223Other flows - South, DS1,5242,408$90.0M
outflow2223Other flows - Midwest, DS1,1921,968$89.2M
inflow2223Weld County, CO1,1231,964$68.5M
inflow2223Other flows - Midwest, DS1,0471,559$62.6M
inflow2223Broomfield County, CO1,0311,671$88.2M
outflow2223Broomfield County, CO9691,543$102.2M
inflow2223Boulder County, CO9601,396$66.9M
inflow2223Other flows - West, DS8451,321$50.4M
outflow2223Boulder County, CO7451,143$75.2M
outflow2223Other flows - West, DS7291,247$59.1M
outflow2223Douglas County, CO551897$51.6M
inflow2223Larimer County, CO498693$30.4M
outflow2223Larimer County, CO475717$27.5M
inflow2223Douglas County, CO469735$37.0M
inflow2223Other flows - Northeast, DS453618$32.4M
outflow2223El Paso County, CO433721$26.1M
outflow2223Other flows - Northeast, DS391628$28.3M
inflow2223El Paso County, CO373581$19.3M
outflow2223Maricopa County, AZ237372$16.4M
inflow2223Maricopa County, AZ237379$16.7M
inflow2223Los Angeles County, CA170268$10.2M
inflow2223Harris County, TX124208$10.1M
outflow2223Los Angeles County, CA118158$7.7M
outflow2223Clark County, NV113188$7.1M
inflow2223San Diego County, CA111186$7.8M
inflow2223Clark County, NV109179$6.6M
outflow2223Morgan County, CO104204$6.6M
outflow2223Pueblo County, CO102183$5.9M
outflow2223San Diego County, CA96160$5.9M
inflow2223Pueblo County, CO96138$3.4M
outflow2223Harris County, TX92176$8.4M
inflow2223El Paso County, TX92185$4.2M
inflow2223Orange County, CA88134$7.4M
inflow2223Dallas County, TX86135$6.4M
inflow2223Tarrant County, TX86152$5.0M
outflow2223El Paso County, TX85170$2.9M
inflow2223Cook County, IL81116$6.4M
outflow2223Mesa County, CO75114$3.7M
outflow2223Tarrant County, TX71125$4.7M
outflow2223Laramie County, WY70130$5.1M
inflow2223Mesa County, CO7099$4.0M
outflow2223Bexar County, TX69114$3.6M
outflow2223Dallas County, TX68115$5.0M
inflow2223Bernalillo County, NM68102$3.8M
inflow2223Riverside County, CA67108$4.8M
outflow2223Pima County, AZ66110$4.1M
inflow2223Bexar County, TX6493$3.8M
inflow2223Miami-Dade County, FL6486$3.4M
outflow2223Bernalillo County, NM6491$2.7M
inflow2223King County, WA6285$4.9M
outflow2223King County, WA6285$5.3M
inflow2223Morgan County, CO62108$3.3M
outflow2223Foreign - Overseas, FR6195$3.6M
outflow2223Jackson County, MO57114$3.8M
outflow2223Hillsborough County, FL55117$4.4M
inflow2223Travis County, TX5480$4.8M
outflow2223Elbert County, CO52107$5.4M
outflow2223Travis County, TX5267$8.4M
inflow2223Hennepin County, MN5266$3.8M
outflow2223Cook County, IL4764$2.9M
inflow2223Orange County, FL4676$2.9M
outflow2223Orange County, CA4672$2.9M
outflow2223Salt Lake County, UT4683$4.2M
inflow2223Pima County, AZ4569$4.3M
outflow2223Riverside County, CA4581$3.0M
inflow2223Collin County, TX4475$5.7M
inflow2223San Bernardino County, CA4481$2.8M
inflow2223Elbert County, CO4366$3.0M
outflow2223Montgomery County, TX4372$3.7M
inflow2223Eagle County, CO4362$2.3M
inflow2223Broward County, FL4364$2.4M
inflow2223Hillsborough County, FL4267$2.7M
outflow2223Douglas County, NE4175$3.0M
outflow2223Oklahoma County, OK4081$2.0M
inflow2223Laramie County, WY3953$2.1M
outflow2223Sedgwick County, KS3973$1.6M
inflow2223Santa Clara County, CA3863$6.4M
inflow2223Honolulu County, HI3754$1.9M
outflow2223Pennington County, SD3658$1.9M
inflow2223Salt Lake County, UT3652$2.0M
outflow2223Duval County, FL3565$2.4M
inflow2223Fulton County, GA3544$2.3M
inflow2223Garfield County, CO3554$2.0M
outflow2223Hennepin County, MN3459$4.0M
outflow2223Mecklenburg County, NC3449$3.3M
inflow2223Foreign - APO/FPO ZIPs, FR3350$1.9M
inflow2223Milwaukee County, WI3351$3.0M
outflow2223Orange County, FL3250$1.7M
outflow2223Williamson County, TX3250$3.5M
inflow2223Douglas County, NE3248$1.7M
inflow2223DuPage County, IL3142$3.1M
inflow2223Montgomery County, TX3155$2.8M
outflow2223Collin County, TX3162$3.5M
inflow2223Oakland County, MI3146$2.7M
outflow2223Broward County, FL3047$2.1M
outflow2223San Bernardino County, CA3058$1.9M
outflow2223Foreign - Other flows, FR3049$1.6M
outflow2223Tulsa County, OK3046$1.6M
outflow2223Ada County, ID3054$1.4M
outflow2223Pinellas County, FL3046$3.0M
inflow2223Denton County, TX2948$1.4M
outflow2223Do�a Ana County, NM2948$1.5M
outflow2223Miami-Dade County, FL2937$1.3M
outflow2223Park County, CO2951$3.0M
inflow2223Palm Beach County, FL2839$1.8M
inflow2223Jackson County, MO2839$2.0M
outflow2223Garfield County, CO2844$2.2M
inflow2223Williamson County, TX2842$1.8M
inflow2223Oklahoma County, OK2847$1.1M
inflow2223Foreign - Other flows, FR2756$1.8M
outflow2223Santa Clara County, CA2742$2.6M
outflow2223Lee County, FL2749$3.2M
outflow2223Johnson County, KS2739$1.9M
outflow2223Wake County, NC2753$1.9M
outflow2223Denton County, TX2754$2.3M
inflow2223Park County, CO2744$1.8M
inflow2223Summit County, CO2747$2.2M
inflow2223Lee County, FL2739$1.8M
inflow2223Johnson County, KS2744$2.5M
inflow2223Middlesex County, MA2736$1.9M
outflow2223Volusia County, FL2643$2.0M
outflow2223Multnomah County, OR2637$2.2M
outflow2223Albany County, WY2642$883K
outflow2223Fremont County, CO2645$1.2M
inflow2223Gwinnett County, GA2537$1.3M
inflow2223Sedgwick County, KS2534$1.0M
inflow2223Clark County, WA2541$1.9M
outflow2223Pasco County, FL2548$2.1M
outflow2223Brevard County, FL2543$2.4M
outflow2223Las Animas County, CO2542$1.3M
outflow2223Pinal County, AZ2537$1.6M
inflow2223Logan County, CO2534$741K
inflow2223Pinellas County, FL2541$1.5M
outflow2223Gallatin County, MT2429$935K
inflow2223Natrona County, WY2443$1.3M
inflow2223Franklin County, OH2436$1.7M
inflow2223Marion County, IN2431$1.2M
inflow2223La Plata County, CO2431$715K
inflow2223Tulsa County, OK2437$1.1M
outflow2223Utah County, UT2446$1.6M
outflow2223Honolulu County, HI2337$1.1M
inflow2223Sacramento County, CA2340$1.1M
outflow2223Summit County, CO2334$3.0M
outflow2223Montrose County, CO2348$1.2M
outflow2223La Plata County, CO2336$2.5M
outflow2223Snohomish County, WA2337$2.0M
inflow2223Duval County, FL2345$1.5M
outflow2223Pierce County, WA2231$1.3M
inflow2223Snohomish County, WA2228$1.6M
inflow2223Mecklenburg County, NC2232$1.1M
outflow2223Benton County, AR2236$1.7M
outflow2223New York County, NY2127$1.7M
outflow2223Fort Bend County, TX2137$1.9M
outflow2223Polk County, IA2134$1.2M
outflow2223Logan County, CO2143$1.2M
outflow2223Eagle County, CO2123$1.6M
outflow2223Sacramento County, CA2147$1.6M
inflow2223Alameda County, CA2131$2.7M
inflow2223Chaffee County, CO2131$1.4M
inflow2223Do�a Ana County, NM2143$895K
inflow2223Multnomah County, OR2126$1.0M
inflow2223Washington County, OR2135$1.5M
inflow2223Fort Bend County, TX2137$1.7M
inflow2223Allegheny County, PA2030$1.8M
outflow2223Natrona County, WY2040$1.8M
outflow2223Midland County, TX2047$2.7M
outflow2223Santa Fe County, NM2028$954K
outflow2223Sarpy County, NE2031$1.3M
outflow2223DuPage County, IL2034$1.6M
inflow2223San Juan County, NM2031$859K
inflow2223New York County, NY2022$2.2M
outflow2223Palm Beach County, FL2036$1.4M
outflow2223Alameda County, CA2030$1.7M
outflow2223Ventura County, CA2026$1.6M
outflow2223Gilpin County, CO2030$1.4M
outflow2223Manatee County, FL2040$1.7M
outflow2223Osceola County, FL2029$1.1M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Denver County, CO5,5379,295$363.2M
inflow2122Jefferson County, CO3,8516,174$236.6M
outflow2122Denver County, CO3,5465,698$184.6M
inflow2122Arapahoe County, CO3,3225,902$185.1M
outflow2122Jefferson County, CO2,8004,302$166.7M
outflow2122Arapahoe County, CO2,7034,805$131.6M
outflow2122Weld County, CO2,1514,145$153.7M
outflow2122Other flows - South, DS1,8293,496$141.5M
inflow2122Other flows - South, DS1,3992,291$82.0M
outflow2122Other flows - Midwest, DS1,3002,368$82.2M
inflow2122Weld County, CO1,1672,095$74.0M
inflow2122Boulder County, CO1,1571,688$89.4M
inflow2122Broomfield County, CO1,1431,841$89.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Adams County.

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

2023PurchaseNo CharacteristicAll Appraisals5,006.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,111.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals6,117.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals510,000.0
2023BothNo CharacteristicAll Appraisals525,000.0
2023PurchaseNo CharacteristicAll Appraisals530,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals541,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals550,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,978.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals520,000.0
2022BothNo CharacteristicAll Appraisals9,878.0
2022PurchaseNo CharacteristicAll Appraisals6,900.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals460,000.0
2021BothNo CharacteristicAll Appraisals16,224.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals8,289.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals7,935.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals472,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals481,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals17,003.0
2020PurchaseNo CharacteristicAll Appraisals7,126.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals410,000.0
2020RefinanceNo CharacteristicAll Appraisals405,000.0
2020RefinanceNo CharacteristicAll Appraisals9,877.0
2020PurchaseNo CharacteristicAll Appraisals417,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals384,000.0
2019PurchaseNo CharacteristicAll Appraisals6,448.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals376,000.0
2019BothNo CharacteristicAll Appraisals14,543.0
2019RefinanceNo CharacteristicAll Appraisals8,095.0
2019PurchaseNo CharacteristicAll Appraisals390,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals345,000.0
2018BothNo CharacteristicAll Appraisals11,652.0
2018PurchaseNo CharacteristicAll Appraisals6,389.0
2018RefinanceNo CharacteristicAll Appraisals5,263.0
2018BothNo CharacteristicAll Appraisals368,000.0
2018PurchaseNo CharacteristicAll Appraisals390,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals321,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals13,171.0
2017PurchaseNo CharacteristicAll Appraisals6,389.0
2017PurchaseNo CharacteristicAll Appraisals365,000.0
2017RefinanceNo CharacteristicAll Appraisals6,782.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals340,000.0
2016PurchaseNo CharacteristicAll Appraisals5,688.0
2016RefinanceNo CharacteristicAll Appraisals312,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals335,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals320,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals16,270.0
2016RefinanceNo CharacteristicAll Appraisals10,582.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals300,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals278,000.0
2015BothNo CharacteristicAll Appraisals13,466.0
2015RefinanceNo CharacteristicAll Appraisals7,994.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals5,472.0
2015BothNo CharacteristicAll Appraisals285,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals252,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05296,035284,40011,6353.9%
2026-04295,453284,29211,1613.8%
2026-03296,296284,26612,0304.1%
2026-02297,930284,03613,8944.7%
2026-01299,588285,85213,7364.6%
2025-12302,149290,59511,5543.8%
2025-11304,336292,31812,0183.9%
2025-09306,347294,08012,2674.0%
2025-08305,690293,28212,4084.1%
2025-07305,982292,91313,0694.3%
2025-06305,627292,65812,9694.2%
2025-05303,293290,63112,6624.2%
2025-04304,004291,37912,6254.2%
2025-03302,720289,36413,3564.4%
2025-02303,736289,20614,5304.8%
2025-01304,501290,32614,1754.7%
2024-12303,336290,00013,3364.4%
2024-11305,189291,46513,7244.5%
2024-10305,627292,33813,2894.3%
2024-09306,743293,57213,1714.3%
2024-08306,203292,19814,0054.6%
2024-07306,443292,47113,9724.6%
2024-06305,489291,98113,5084.4%
2024-05301,434289,38212,0524.0%
2024-04300,762289,04411,7183.9%
2024-03300,657288,85511,8023.9%
2024-02301,243288,14513,0984.3%
2024-01299,713286,96412,7494.3%
2023-12297,989286,80311,1863.8%
2023-11300,981290,62610,3553.4%
2023-10299,940289,73910,2013.4%
2023-09301,037291,00810,0293.3%
2023-08302,405291,77610,6293.5%
2023-07301,666291,7569,9103.3%
2023-06301,761290,83410,9273.6%
2023-05298,962289,8429,1203.1%
2023-04297,526289,2948,2322.8%
2023-03298,027288,7119,3163.1%
2023-02298,486287,74910,7373.6%
2023-01296,487286,5839,9043.3%
2022-12294,043285,7658,2782.8%
2022-11295,697287,0358,6622.9%
2022-10295,958287,2748,6842.9%
2022-09295,811287,4998,3122.8%
2022-08295,868287,1868,6822.9%
2022-07295,251286,1779,0743.1%
2022-06294,750285,7728,9783.0%
2022-05293,832285,3148,5182.9%
2022-04292,470283,4988,9723.1%
2022-03293,567282,71310,8543.7%
2022-02294,093281,71212,3814.2%
2022-01293,617280,19913,4184.6%
2021-12290,990278,66812,3224.2%
2021-11292,110279,28212,8284.4%
2021-10292,514277,53614,9785.1%
2021-09291,587276,03815,5495.3%
2021-08290,952274,17016,7825.8%
2021-07291,646273,34218,3046.3%
2021-06291,130271,39319,7376.8%
2021-05288,749270,32018,4296.4%
2021-04286,937267,78519,1526.7%
2021-03284,983265,47219,5116.8%
2021-02285,032265,44619,5866.9%
2021-01283,824263,39620,4287.2%
2020-12281,619262,02719,5927.0%
2020-11282,840263,81919,0216.7%
2020-10282,258263,97018,2886.5%
2020-09279,799260,55319,2466.9%
2020-08277,553259,04218,5116.7%
2020-07273,604253,28720,3177.4%
2020-06285,804251,67334,13111.9%
2020-05278,278244,04534,23312.3%
2020-04271,132241,49729,63510.9%
2020-03282,569271,00011,5694.1%
2020-02285,562275,51210,0503.5%
2020-01283,901274,6919,2103.2%
2019-12284,113276,6847,4292.6%
2019-11285,384278,1037,2812.6%
2019-10285,074277,9807,0942.5%
2019-09284,667277,7896,8782.4%
2019-08283,933276,4427,4912.6%
2019-07284,014276,2117,8032.7%
2019-06283,283275,5947,6892.7%
2019-05280,144273,3186,8262.4%
2019-04278,368271,3607,0082.5%
2019-03278,622270,2018,4213.0%
2019-02280,591271,3929,1993.3%
2019-01278,105268,7929,3133.3%
2018-12278,209269,8408,3693.0%
2018-11279,489271,3348,1552.9%
2018-10279,849271,6728,1772.9%
2018-09278,889270,7168,1732.9%
2018-08278,135269,2858,8503.2%
2018-07280,520271,0249,4963.4%
2018-06279,721270,4839,2383.3%
2018-05276,585268,9637,6222.8%
2018-04274,587266,5248,0632.9%
2018-03274,324265,6828,6423.2%
2018-02275,346265,8729,4743.4%
2018-01271,448262,7518,6973.2%

BEA Personal Income

2024$32.73B542,973$60K
2023$31.25B535,677$58K
2022$29.92B528,356$57K
2021$27.85B523,603$53K
2020$25.23B520,517$48K
2019$23.26B516,748$45K
2018$22.07B511,639$43K
2017$20.61B503,853$41K
2016$19.73B497,852$40K
2015$18.72B490,546$38K
2014$17.64B480,033$37K
2013$16.30B470,056$35K
2012$15.61B460,610$34K
2011$14.72B452,232$33K
2010$13.71B443,697$31K
2009$13.51B435,700$31K
2008$13.60B424,913$32K
2007$12.87B415,746$31K
2006$12.11B406,575$30K
2005$11.45B395,146$29K
2004$11.01B384,809$29K
2003$10.67B377,464$28K
2002$10.35B370,753$28K
2001$10.46B376,443$28K
2000$9.92B366,958$27K
1999$8.92B354,146$25K
1998$8.16B343,094$24K
1997$7.42B332,462$22K
1996$6.75B323,218$21K
1995$6.31B313,439$20K
1994$5.85B302,197$19K
1993$5.44B293,995$19K
1992$5.02B284,362$18K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-06-01$0——Yes
2024-04-21$0$0$0Yes
2024-04-13$0$0$0Yes
2023-06-29$8K$8K$0Yes
2023-05-12$6K$6K$0Yes
2023-05-11$0——Yes
2023-05-11$0——No
2023-05-10$0——Yes
2023-04-12$0——Yes
2022-08-07$88K$88K$0No
2022-08-07$4K$4K$0Yes
2022-08-06$0——No
2022-08-06$0——No
2022-08-06$6K$6K$0No
2022-08-06$0——No
2022-07-28$0——Yes
2020-07-05$0——Yes
2018-09-23$0——Yes
2018-07-09$0——No
2017-05-08$0——Yes
2015-08-01$0——No
2015-07-09$6K$6K$0No
2015-07-09$5K$5K$0No
2015-07-09$0——No
2015-06-13$0——No
2015-06-12$3K$3K$0Yes
2015-06-07$2K$2K$0No
2015-06-05$0——Yes
2015-05-11$366.81$366.81$0No
2015-05-10$2K$2K$0Yes
2015-05-10$2K$2K$0Yes
2015-05-09$0——Yes
2015-05-09$0——Yes
2013-09-30$0——Yes
2013-09-16$4K$4K$0Yes
2013-09-15$12K$12K$0Yes
2013-09-13$5K$5K$0No
2013-09-12$0——Yes
2013-09-12$0——No
2013-09-12$37K$37K$0No
2013-09-12$0——Yes
2013-09-12$1K$1K$0Yes
2013-09-11$11K$11K$0Yes
2013-09-11$8K$8K$0Yes
2013-09-11$8K$8K$0Yes
2013-09-11$2K$2K$0Yes
2013-09-11$4K$4K$0Yes
2013-09-10$606.81$606.81$0Yes
2011-07-13$0——Yes
2011-07-09$9K$9K$0Yes
2011-07-09$0——No
2011-07-09$0——Yes
2011-07-08$283.45$283.45$0Yes
2011-07-08$6K$6K$0Yes
2011-07-08$0——Yes
2011-07-03$840.98$840.98$0No
2011-05-18$6K$6K$0Yes
2010-06-01$0——No
2009-06-24$25K$12K$13KNo
2009-06-15$7K$7K$0Yes
2009-06-11$2K$2K$0Yes
2009-04-19$0——Yes
2007-05-11$0——Yes
2007-03-09$15K$14K$1KYes
2006-12-27$0——Yes
2005-10-11$0——No
2005-06-03$0——Yes
2004-07-23$1K$1K$0Yes
2004-07-23$936.25$936.25$0Yes
2004-07-23$0——Yes
2004-07-23$3K$3K$0No
2003-03-19$0——Yes
2002-01-01$0——Yes
2001-12-08$0——No
2001-08-01$0——Yes
2000-08-17$3K$3K$0No
1999-11-07$0——No
1999-08-04$0——Yes
1999-08-04$38$38$0No
1999-08-04$2K$2K$0No
1999-05-22$3K$3K$0Yes
1999-04-23$0——No
1999-04-21$0——Yes
1998-09-24$0——No
1998-08-10$0——No
1998-06-01$0——No
1997-08-06$0——No
1997-08-06$0——No
1991-08-27$0——No
1991-07-13$3K$3K$0No
1991-07-12$1K$1K$0Yes
1991-06-06$174.49$174.49$0No
1990-08-25$0——No
1990-07-09$2K$2K$0No
1989-06-03$0——No
1989-06-03$0——No
1987-11-01$0——No
1987-06-07$0——No
1986-04-03$0——No
1985-07-19$0——No

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN ADAMS COUNTY →Opens the loan explorer already filtered to county FIPS 08001.

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