Skip to main content
MortRadarTERMINAL
State markets/Florida/Orange County

COUNTY MORTGAGE MARKET · FIPS 12095

Orange County, Florida

Who lends in Orange 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

$11.34B

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

Originations · 2025

25,012

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

Denial rate · 2025

21.9%

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

Lenders active · 2025

752

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

Concentration (HHI)

324

unconcentrated

Top-5 lender share

32.8%

of originations

Purchase

68.5%

14,038 loans

Refinance

31.5%

6,444 loans

Origination trend

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

Lenders in Orange 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 Orange 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 ORANGE COUNTY →

TOP TEN LENDERS IN ORANGE 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.

149$1.32B$1.32B originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3,027$1.14B$1.14B originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
10$514.0M$514.0M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,673$488.2M$488.2M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
599$254.0M$254.0M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
449$230.9M$230.9M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
571$223.1M$223.1M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
412$214.3M$214.3M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
523$197.0M$197.0M originated in Orange County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
459$179.4M$179.4M originated in Orange 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 Orange County

All 49 ZIP Code Tabulation Areas that touch Orange 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.
49 OF 49 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 13 Orange County tracts this ZIP area touches sit mostly inside it.76,38346.8%15,704——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 21 Orange County tracts this ZIP area touches sit mostly inside it.64,30679.6%10,516——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Orange County tracts this ZIP area touches sit mostly inside it.64,00059.6%13,935——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 12 Orange County tracts this ZIP area touches sit mostly inside it.62,48183.5%4,644——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.57,00584.9%9,893——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Orange County tracts this ZIP area touches sit mostly inside it.56,98348.6%15,592——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Orange County tracts this ZIP area touches sit mostly inside it.54,48687.7%8,052——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Orange County tracts this ZIP area touches sit mostly inside it.53,87770.4%11,227——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.53,34674.4%8,766——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Orange County tracts this ZIP area touches sit mostly inside it.52,74454.4%6,830——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Orange County tracts this ZIP area touches sit mostly inside it.51,90769.7%11,548——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Orange County tracts this ZIP area touches sit mostly inside it.50,01367.7%7,756——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Orange County tracts this ZIP area touches sit mostly inside it.48,48787.1%10,307——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Orange County tracts this ZIP area touches sit mostly inside it.38,26388.0%3,348——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.37,29744.1%9,062——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Orange County tracts this ZIP area touches sit mostly inside it.36,92933.8%9,821——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.36,23048.5%7,623——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Orange County tracts this ZIP area touches sit mostly inside it.33,86475.0%5,486——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Orange County tracts this ZIP area touches sit mostly inside it.32,92159.1%7,675——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 13 Orange County tracts this ZIP area touches sit mostly inside it.30,76667.0%6,696——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Orange County tracts this ZIP area touches sit mostly inside it.29,46658.5%3,526——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.28,89085.6%3,367——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Orange County tracts this ZIP area touches sit mostly inside it.28,45274.7%5,205——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Orange County tracts this ZIP area touches sit mostly inside it.27,64059.9%5,476——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.27,47549.5%4,280——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Orange County tracts this ZIP area touches sit mostly inside it.26,13766.7%4,154——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Orange County tracts this ZIP area touches sit mostly inside it.25,24146.6%3,419——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Orange County tracts this ZIP area touches sit mostly inside it.24,22052.2%4,201——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Orange County tracts this ZIP area touches sit mostly inside it.23,57034.8%5,215——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Orange County tracts this ZIP area touches sit mostly inside it.22,37951.9%4,893——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Orange County tracts this ZIP area touches sit mostly inside it.21,51824.3%6,224——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Orange County tracts this ZIP area touches sit mostly inside it.21,30672.7%4,668——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Orange County tracts this ZIP area touches sit mostly inside it.20,52739.7%3,807——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Orange County tracts this ZIP area touches sit mostly inside it.18,86049.4%3,807——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Orange County tracts this ZIP area touches sit mostly inside it.18,65657.3%3,253——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 11 Orange County tracts this ZIP area touches sit mostly inside it.17,13424.9%4,774——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Orange County tracts this ZIP area touches sit mostly inside it.14,08136.4%1,912——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Orange County tracts this ZIP area touches sit mostly inside it.10,54246.3%2,509——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Orange County tracts this ZIP area touches sit mostly inside it.9,29332.0%1,414——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Orange County tract this ZIP area touches sit mostly inside it.8,24641.7%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Orange County tract this ZIP area touches sit mostly inside it.7,55360.2%734——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Orange County tracts this ZIP area touches sit mostly inside it.6,43462.0%922——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Orange 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 Orange 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 Orange 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 Orange County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Orange 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 Orange 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 Orange 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.

266 of Orange County’s 267 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Orange County

All 267 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.

267 OF 267 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper225.9%1,82929.1%OPEN →
Upper128.0%3,86131.1%OPEN →
Upper143.6%3,46936.3%OPEN →
Low32.5%1,54595.8%OPEN →
—0.0%1,37195.3%OPEN →
Upper153.2%3,29228.9%OPEN →
Moderate55.8%3,13239.4%OPEN →
Upper126.9%3,12236.8%OPEN →
Upper141.9%3,29324.1%OPEN →
Upper226.7%5,44025.8%OPEN →
Low49.0%4,81782.8%OPEN →
Moderate74.8%4,22996.6%OPEN →
Low49.3%4,36597.7%OPEN →
Low45.4%7,00393.5%OPEN →
Moderate55.3%6,59191.7%OPEN →
Moderate57.4%5,05491.8%OPEN →
Moderate58.9%5,08390.4%OPEN →
Middle101.7%7,08188.1%OPEN →
Moderate62.2%6,29492.9%OPEN →
Moderate71.2%7,31990.7%OPEN →
Moderate69.0%3,38485.9%OPEN →
Middle85.1%6,79790.9%OPEN →
Moderate56.6%5,74184.5%OPEN →
Moderate65.5%5,35886.8%OPEN →
Moderate53.2%4,65587.3%OPEN →
Moderate50.6%4,12585.5%OPEN →
Upper134.5%2,46324.1%OPEN →
Upper176.2%5,32518.7%OPEN →
Upper190.2%5,27824.5%OPEN →
Upper207.6%3,91817.1%OPEN →
Upper128.7%3,87531.1%OPEN →
Moderate65.1%4,45679.0%OPEN →
Moderate64.5%6,43579.0%OPEN →
Middle93.7%6,87262.1%OPEN →
Moderate77.1%3,19677.9%OPEN →
Middle81.8%3,58480.9%OPEN →
Moderate53.6%2,52983.8%OPEN →
Moderate72.4%4,03984.9%OPEN →
Moderate52.1%2,44184.3%OPEN →
Moderate74.4%4,55375.7%OPEN →
Moderate60.6%9,05482.8%OPEN →
Moderate65.1%2,56281.3%OPEN →
Moderate58.0%6,50078.2%OPEN →
Low48.5%5,28087.3%OPEN →
Moderate55.8%4,43181.9%OPEN →
Moderate66.2%5,19860.4%OPEN →
Moderate66.5%6,37162.1%OPEN →
Middle90.0%4,01162.9%OPEN →
Moderate62.5%3,85780.2%OPEN →
Middle101.9%5,39452.2%OPEN →
Middle85.5%4,33956.9%OPEN →
Middle83.5%5,26352.9%OPEN →
Upper127.7%2,27135.2%OPEN →
Upper122.5%2,64522.6%OPEN →
Middle109.2%2,80936.8%OPEN →
Upper167.3%4,22028.2%OPEN →
Upper157.2%6,33620.2%OPEN →
Upper126.3%6,59936.1%OPEN →
Middle93.7%5,76984.4%OPEN →
Moderate56.6%4,98288.1%OPEN →
Middle96.5%5,31765.7%OPEN →
Moderate66.2%5,25785.7%OPEN →
Upper124.8%3,40950.3%OPEN →
Low43.4%5,93492.2%OPEN →
Low43.8%6,42378.5%OPEN →
Middle84.7%6,97074.7%OPEN →
Moderate56.6%8,41996.9%OPEN →
Moderate60.9%4,56498.3%OPEN →
Moderate56.7%8,29582.4%OPEN →
Moderate76.7%7,05775.8%OPEN →
Moderate62.6%4,54091.4%OPEN →
Moderate57.5%5,38886.9%OPEN →
Moderate58.6%5,61384.0%OPEN →
Moderate78.3%6,13077.0%OPEN →
Moderate61.8%2,62781.4%OPEN →
Middle80.7%8,09772.4%OPEN →
Middle88.4%5,45968.0%OPEN →
Moderate75.6%6,43462.0%OPEN →
Moderate78.3%5,15579.5%OPEN →
Upper163.2%4,63552.0%OPEN →
Middle118.0%7,12860.5%OPEN →
Upper266.7%2,95326.7%OPEN →
Upper174.4%5,68138.0%OPEN →
Upper154.1%5,65638.0%OPEN →
Moderate78.4%6,17263.4%OPEN →
Upper120.8%4,76547.4%OPEN →
Upper180.8%6,75440.7%OPEN →
Upper249.9%5,16936.5%OPEN →
Moderate51.2%6,07092.9%OPEN →
Middle92.2%6,95561.7%OPEN →
Moderate65.7%6,50491.8%OPEN →
Middle92.8%2,89582.6%OPEN →
Moderate51.9%1,75474.2%OPEN →
Middle101.1%6,50564.6%OPEN →
Middle101.0%6,74859.9%OPEN →
Middle96.7%3,54766.3%OPEN →
Upper125.7%4,85265.6%OPEN →
Middle115.3%6,54658.3%OPEN →
Moderate59.3%5,36265.2%OPEN →
Moderate76.1%3,72367.6%OPEN →
Moderate72.5%7,42583.9%OPEN →
Moderate76.8%6,05865.5%OPEN →
Middle112.9%3,08864.3%OPEN →
Middle80.3%5,37558.1%OPEN →
Upper133.5%4,06833.9%OPEN →
Upper121.7%6,12734.8%OPEN →
Upper201.3%3,04227.8%OPEN →
Upper234.9%2,39412.9%OPEN →
Upper183.1%2,21717.9%OPEN →
Upper175.9%1,79821.2%OPEN →
Upper274.6%1,71218.0%OPEN →
Upper284.9%2,59518.2%OPEN →
Middle90.3%2,42850.0%OPEN →
Upper210.2%2,08520.6%OPEN →
Upper285.7%2,53718.7%OPEN →
Upper280.4%4,74218.4%OPEN →
Upper172.6%7,06234.5%OPEN →
Middle105.2%5,56943.2%OPEN →
Middle81.5%3,89962.4%OPEN →
Moderate65.0%2,72971.9%OPEN →
Moderate60.4%2,04560.2%OPEN →
—0.0%6,60461.4%OPEN →
Upper126.0%2,29645.0%OPEN →
Upper164.7%3,28935.1%OPEN →
Middle116.9%3,55761.3%OPEN →
Middle89.2%4,88259.7%OPEN →
Moderate72.5%4,29771.1%OPEN →
Moderate73.6%4,37864.2%OPEN →
Middle109.7%9,39744.8%OPEN →
Middle104.3%5,03161.7%OPEN →
Middle96.9%3,15163.5%OPEN →
Middle80.4%4,84544.6%OPEN →
Low46.6%8,42448.3%OPEN →
Upper120.3%6,33850.8%OPEN →
Upper152.8%7,46449.1%OPEN →
Middle80.2%5,40865.6%OPEN →
Upper145.6%6,50350.1%OPEN →
—0.0%8,24641.7%OPEN →
Upper123.2%7,51650.7%OPEN →
Middle101.1%5,17837.4%OPEN →
Moderate62.5%1,60139.5%OPEN →
Upper185.1%2,69044.2%OPEN →
Middle86.8%6,25149.0%OPEN →
Moderate79.3%6,90784.4%OPEN →
Middle98.2%4,21171.8%OPEN →
Moderate68.1%8,64578.0%OPEN →
Middle109.4%3,12171.9%OPEN →
Middle88.3%6,89175.3%OPEN →
Upper141.6%5,67050.4%OPEN →
Middle108.3%3,67070.3%OPEN →
Middle87.9%5,08568.5%OPEN →
Middle85.7%6,46478.9%OPEN →
Middle102.8%5,19848.3%OPEN →
Middle108.2%7,55360.2%OPEN →
Moderate78.6%5,84467.0%OPEN →
Upper170.5%12,74570.4%OPEN →
Upper122.6%13,39263.1%OPEN →
Upper126.8%9,68560.7%OPEN →
Moderate64.2%3,81275.6%OPEN →
Low48.9%6,75384.9%OPEN →
Middle105.8%3,59266.1%OPEN →
Middle111.4%3,46465.1%OPEN →
Moderate66.2%4,41172.0%OPEN →
Upper149.1%6,04066.8%OPEN →
Low48.5%5,16869.5%OPEN →
Middle81.0%5,36163.1%OPEN →
Upper157.7%4,27648.8%OPEN →
Upper204.7%5,60144.3%OPEN →
Upper152.9%6,01065.4%OPEN →
Upper139.9%6,27760.3%OPEN →
Upper131.6%12,19456.6%OPEN →
Upper136.6%6,42367.8%OPEN →
Upper130.6%4,45455.0%OPEN →
Middle88.3%7,67373.2%OPEN →
Moderate68.9%4,11878.1%OPEN →
Upper123.8%6,72272.8%OPEN →
Upper136.0%2,70072.2%OPEN →
Upper158.1%18,65657.3%OPEN →
Middle86.0%2,86077.5%OPEN →
Middle110.5%6,33378.5%OPEN →
Middle103.8%1,99278.3%OPEN →
Moderate58.5%7,96986.1%OPEN →
Upper121.9%11,40684.7%OPEN →
Middle87.3%11,61684.9%OPEN →
Middle83.4%6,33187.6%OPEN →
Middle91.1%3,20392.1%OPEN →
Moderate67.0%5,29590.2%OPEN →
Moderate64.6%5,84587.1%OPEN →
Moderate57.7%4,72294.6%OPEN →
Low48.8%4,63292.8%OPEN →
Low46.9%7,29694.2%OPEN →
Middle87.5%2,82983.1%OPEN →
Moderate58.4%5,17193.2%OPEN →
Moderate60.6%1,42988.9%OPEN →
—0.0%8,34986.1%OPEN →
Moderate69.9%4,96673.6%OPEN →
Middle85.9%5,90456.3%OPEN →
Middle107.9%4,51377.0%OPEN →
Moderate66.5%5,88479.2%OPEN →
Upper130.2%2,99266.1%OPEN →
Moderate66.6%7,51275.4%OPEN →
Middle117.2%8,34763.7%OPEN →
Moderate61.7%6,60581.7%OPEN →
Moderate67.8%4,29780.1%OPEN →
Middle94.8%7,00572.2%OPEN →
Middle112.5%6,19176.3%OPEN →
Moderate66.5%10,30368.4%OPEN →
Moderate69.3%2,30956.0%OPEN →
Low48.0%2,92947.4%OPEN →
Upper139.9%4,08063.2%OPEN →
Upper128.4%3,94141.1%OPEN →
Upper155.7%10,41845.9%OPEN →
Upper169.7%6,17032.8%OPEN →
Middle116.5%7,17053.7%OPEN →
Upper156.6%18,07143.8%OPEN →
Upper134.2%16,38350.8%OPEN →
Upper183.3%14,09440.0%OPEN →
Upper161.2%11,63545.7%OPEN →
Upper173.6%4,80138.9%OPEN →
Upper217.3%9,26548.0%OPEN →
Upper139.8%7,86148.4%OPEN →
Upper136.2%5,45949.7%OPEN →
Upper168.2%2,86331.5%OPEN →
Upper190.4%6,40642.3%OPEN →
—0.0%2,82050.0%OPEN →
Upper226.5%3,48449.1%OPEN →
Upper228.1%4,95857.2%OPEN →
Upper149.8%4,95738.8%OPEN →
Middle99.8%2,93535.0%OPEN →
Moderate72.5%7,35654.1%OPEN →
Upper130.0%7,58638.1%OPEN →
Moderate59.5%5,23577.2%OPEN →
Moderate59.2%6,06865.6%OPEN →
Middle83.5%8,52565.4%OPEN →
Moderate74.7%5,02084.5%OPEN →
Upper138.8%12,04366.7%OPEN →
Moderate56.2%4,92186.9%OPEN →
Upper125.4%5,62267.7%OPEN →
Middle113.7%2,43339.3%OPEN →
Moderate79.8%4,96764.3%OPEN →
Middle117.1%3,06741.6%OPEN →
Upper131.7%5,10338.7%OPEN →
Middle85.7%4,11965.2%OPEN →
Upper138.9%3,79934.3%OPEN →
Middle107.0%3,47465.3%OPEN →
Middle118.2%6,24467.0%OPEN →
Upper168.0%4,88154.8%OPEN →
Middle114.3%8,13753.5%OPEN →
Upper241.1%2,32846.3%OPEN →
Upper145.3%6,38745.0%OPEN →
Upper179.4%4,40350.7%OPEN →
Middle109.3%7,34939.5%OPEN →
Moderate56.9%3,65967.8%OPEN →
Middle92.5%3,24447.0%OPEN →
Upper219.3%4,95231.5%OPEN →
Upper214.0%4,34132.6%OPEN →
Middle82.2%1,93769.6%OPEN →
Middle92.0%2,29656.7%OPEN →
Moderate68.9%3,14981.1%OPEN →
Middle86.5%2,38149.5%OPEN →
Middle84.0%3,68478.6%OPEN →
Moderate68.9%5,74977.1%OPEN →
Upper201.6%4,67635.6%OPEN →
Moderate56.2%5,73072.6%OPEN →
Upper131.5%4,92243.4%OPEN →
Middle116.7%3,62129.5%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

1,471,937

Median household income

$79,719

Median home value

$390,100

Median gross rent

$1,775

per month

Owner-occupied

56.8%

of occupied units

Housing units

586,805

10.1% vacant

Poverty rate

13.0%

Unemployment

5.5%

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 98.4

Social vulnerability

Relatively Low

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Hurricane Relatively High · Tornado Very High · Hail Relatively High · Strong wind 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

83

Declarations recorded

39

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

Everything we hold on Orange 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 Orange County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Orange County →Every reported application and origination in FIPS 12095, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Orange 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

1,481

—

Purchase share

47.9%

710 loans

IRRRL refinances

509

Cash-out refinances

262

20261,481—710509262
20251,419—794309316
20241,228—784143301
20231,192—8587327
2022——1,0554661,030
20215,108—1,3893,061658
20204,578—1,4622,435681
20192,386—1,462325599
20182,365—1,411252702
20172,774—1,429662683
20162,626—1,327726573
20152,247—1,272596379

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 Orange 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

Orange 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

4,221

−12.2% vs 2024

Multifamily · 2025

8,919

+175.1% vs 2024

Total authorized · 2025

13,140

+63.2% vs 2024

Permit valuation · 2025

$3.1B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05K10K15K20K199019921994199619982000200220042006200820102012201420162018202020222024202513,140 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 Orange County, showing population movement and wealth transfer.

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

outflow2223Seminole County, FL7,70112,453$441.1M
outflow2223Osceola County, FL7,27113,131$379.9M
inflow2223Seminole County, FL6,2889,995$383.7M
inflow2223Osceola County, FL5,5679,317$280.0M
outflow2223Lake County, FL4,3908,287$319.6M
outflow2223Polk County, FL4,1197,567$188.3M
outflow2223Other flows - South, DS2,4274,218$146.3M
inflow2223Other flows - South, DS2,3213,777$165.1M
inflow2223Polk County, FL2,3003,842$107.6M
inflow2223Lake County, FL2,1453,559$129.7M
inflow2223Miami-Dade County, FL2,0723,362$114.3M
inflow2223Broward County, FL2,0593,290$122.2M
outflow2223Volusia County, FL2,0233,469$122.4M
outflow2223Brevard County, FL1,4582,345$100.6M
inflow2223Other flows - Midwest, DS1,4032,189$102.2M
outflow2223Other flows - Midwest, DS1,3042,155$70.4M
outflow2223Hillsborough County, FL1,2801,903$86.7M
inflow2223Brevard County, FL1,1961,785$85.9M
inflow2223Volusia County, FL1,1781,794$64.3M
inflow2223Hillsborough County, FL1,1141,652$64.4M
inflow2223Palm Beach County, FL1,1091,713$98.3M
outflow2223Broward County, FL1,0351,492$52.8M
outflow2223Miami-Dade County, FL1,0181,524$63.3M
inflow2223Other flows - West, DS6981,154$46.9M
outflow2223Palm Beach County, FL684991$43.6M
outflow2223Other flows - Northeast, DS6641,072$35.8M
outflow2223Duval County, FL6561,032$33.0M
outflow2223Marion County, FL6551,188$34.4M
outflow2223Other flows - West, DS6511,052$48.9M
inflow2223Other flows - Northeast, DS633940$42.3M
inflow2223Duval County, FL631948$34.6M
outflow2223Pinellas County, FL612832$71.5M
inflow2223Queens County, NY6001,053$36.6M
inflow2223Pinellas County, FL537753$33.9M
inflow2223Foreign - Puerto Rico, FR5171,137$16.7M
inflow2223Lee County, FL465715$26.9M
outflow2223Foreign - Overseas, FR457654$24.4M
inflow2223Foreign - Overseas, FR439634$23.6M
outflow2223Foreign - Puerto Rico, FR439695$11.5M
inflow2223Los Angeles County, CA435686$55.9M
inflow2223Kings County, NY414715$25.4M
inflow2223Bronx County, NY409728$17.8M
outflow2223Harris County, TX408741$20.5M
outflow2223Pasco County, FL391639$30.7M
outflow2223Los Angeles County, CA372539$34.8M
inflow2223Cook County, IL370573$42.2M
outflow2223Cook County, IL346475$24.8M
inflow2223Alachua County, FL339476$18.7M
inflow2223Marion County, FL318495$13.7M
outflow2223Lee County, FL317504$19.7M
outflow2223Fulton County, GA312465$28.9M
inflow2223Leon County, FL308440$15.5M
inflow2223St. Lucie County, FL307443$14.6M
outflow2223Alachua County, FL294450$16.0M
inflow2223New York County, NY283431$26.7M
outflow2223New York County, NY279350$26.0M
inflow2223Pasco County, FL278453$15.8M
outflow2223Leon County, FL276397$9.5M
inflow2223Harris County, TX266443$17.9M
outflow2223Kings County, NY264415$15.1M
outflow2223Mecklenburg County, NC263397$24.5M
outflow2223St. Lucie County, FL249390$14.3M
outflow2223Queens County, NY230338$10.1M
inflow2223Maricopa County, AZ228367$21.6M
inflow2223Suffolk County, NY228365$20.6M
inflow2223Fulton County, GA219323$24.6M
inflow2223Manatee County, FL210300$14.7M
outflow2223Dallas County, TX208289$13.0M
outflow2223Maricopa County, AZ205309$16.6M
outflow2223Manatee County, FL204349$18.4M
inflow2223Nassau County, NY203350$8.3M
outflow2223Sumter County, FL202362$19.3M
outflow2223King County, WA202274$16.5M
outflow2223St. Johns County, FL202388$20.6M
inflow2223Mecklenburg County, NC201322$20.9M
inflow2223Sarasota County, FL198293$14.5M
outflow2223Sarasota County, FL192288$16.4M
outflow2223Clark County, NV192293$12.1M
inflow2223San Diego County, CA191319$21.4M
inflow2223Clark County, NV190335$41.1M
outflow2223Wake County, NC189346$14.5M
inflow2223Collier County, FL179271$10.8M
outflow2223Gwinnett County, GA171303$8.4M
inflow2223Philadelphia County, PA168289$13.5M
outflow2223DeKalb County, GA162228$8.5M
inflow2223St. Johns County, FL161273$13.8M
inflow2223Middlesex County, MA161293$17.5M
outflow2223San Diego County, CA160253$10.4M
outflow2223Bronx County, NY158281$5.0M
inflow2223Dallas County, TX156240$12.4M
outflow2223Travis County, TX154207$14.8M
outflow2223Marion County, IN153270$4.9M
inflow2223Orange County, CA151241$18.3M
outflow2223Denver County, CO149190$9.7M
inflow2223Essex County, NJ147256$7.5M
inflow2223Middlesex County, NJ146251$12.6M
inflow2223Foreign - Other flows, FR146270$9.5M
inflow2223Gwinnett County, GA145260$7.6M
inflow2223Tarrant County, TX145246$13.0M
outflow2223Tarrant County, TX144223$10.2M
inflow2223Fairfax County, VA144249$27.8M
inflow2223Westchester County, NY144260$9.4M
outflow2223Philadelphia County, PA142236$6.9M
outflow2223Cobb County, GA142235$10.3M
inflow2223Cobb County, GA142220$9.9M
outflow2223Flagler County, FL139228$9.5M
inflow2223Hudson County, NJ137235$9.1M
outflow2223Middlesex County, MA135209$8.3M
inflow2223Indian River County, FL134187$6.9M
inflow2223Capitol Planning Region, CT131241$8.1M
inflow2223Montgomery County, MD131233$16.2M
inflow2223Escambia County, FL128204$9.6M
inflow2223Bergen County, NJ128220$19.3M
outflow2223Orange County, CA127241$12.7M
inflow2223King County, WA126228$32.9M
outflow2223Davidson County, TN126171$10.6M
outflow2223Suffolk County, MA123174$7.2M
outflow2223Clay County, FL121214$6.5M
outflow2223Fairfax County, VA119201$10.2M
inflow2223Wake County, NC119209$17.2M
inflow2223DeKalb County, GA117181$7.0M
outflow2223Collier County, FL115192$13.2M
outflow2223Bexar County, TX115188$7.1M
inflow2223Franklin County, OH114183$8.2M
inflow2223Bexar County, TX113198$7.1M
outflow2223District of Columbia, DC111133$9.5M
inflow2223Suffolk County, MA110176$8.5M
inflow2223Providence County, RI109189$5.4M
outflow2223El Paso County, CO109173$6.3M
outflow2223Hernando County, FL108159$6.7M
inflow2223Clay County, FL107156$5.3M
inflow2223Cuyahoga County, OH106165$4.6M
inflow2223Passaic County, NJ105186$5.3M
outflow2223Indian River County, FL104156$8.4M
outflow2223Citrus County, FL104190$10.2M
inflow2223Essex County, MA103184$5.3M
outflow2223Santa Clara County, CA102173$9.7M
inflow2223Allegheny County, PA100160$8.5M
inflow2223Davidson County, TN100148$7.1M
inflow2223Sumter County, FL99151$8.1M
inflow2223Marion County, IN98162$3.4M
inflow2223Flagler County, FL97138$6.0M
inflow2223Okaloosa County, FL96154$6.1M
outflow2223Foreign - APO/FPO ZIPs, FR95162$5.3M
outflow2223Franklin County, OH95153$4.3M
inflow2223Hernando County, FL95147$3.6M
outflow2223Greenville County, SC94172$7.3M
inflow2223Martin County, FL94114$4.4M
outflow2223Hudson County, NJ92143$6.0M
inflow2223Travis County, TX91143$13.0M
inflow2223Bay County, FL91139$4.2M
inflow2223Worcester County, MA91162$6.1M
inflow2223Monroe County, NY90167$5.0M
inflow2223South Central Connecticut Plannin, CT89156$5.2M
inflow2223Charlotte County, FL89119$5.1M
inflow2223Oakland County, MI89159$9.8M
outflow2223Bay County, FL89160$5.2M
outflow2223Chatham County, GA88151$4.5M
inflow2223Honolulu County, HI87159$5.5M
inflow2223Salt Lake County, UT87155$8.9M
outflow2223Allegheny County, PA87137$4.7M
outflow2223Suffolk County, NY86126$4.0M
inflow2223Union County, NJ85151$4.9M
outflow2223Arapahoe County, CO85131$5.1M
outflow2223Collin County, TX84149$14.8M
inflow2223Santa Clara County, CA83143$12.6M
inflow2223DuPage County, IL83148$9.2M
inflow2223Wayne County, MI83152$7.3M
inflow2223Highlands County, FL82123$3.9M
outflow2223Highlands County, FL81132$3.4M
outflow2223Capitol Planning Region, CT81131$5.3M
outflow2223Escambia County, FL80115$4.2M
inflow2223Monroe County, FL80129$8.5M
outflow2223Denton County, TX79150$7.4M
outflow2223Jefferson County, CO79109$5.3M
outflow2223Montgomery County, MD79122$5.2M
inflow2223Collin County, TX79133$5.4M
inflow2223Erie County, NY79137$3.9M
inflow2223El Paso County, CO79141$4.5M
inflow2223Chatham County, GA79112$3.6M
outflow2223Williamson County, TX78142$7.7M
inflow2223Riverside County, CA78144$5.9M
outflow2223Charlotte County, FL77131$3.6M
outflow2223Guilford County, NC76126$3.7M
inflow2223Citrus County, FL74110$4.7M
outflow2223Westchester County, NY73119$4.3M
outflow2223Salt Lake County, UT73127$5.1M
inflow2223Camden County, NJ73111$3.7M
inflow2223Morris County, NJ73128$7.5M
inflow2223Arapahoe County, CO73112$4.3M
inflow2223Prince George's County, MD73115$4.4M
inflow2223Lehigh County, PA72132$2.9M
outflow2223Honolulu County, HI71119$4.6M
outflow2223Jefferson County, KY71119$3.0M
outflow2223Monroe County, NY71134$2.9M
inflow2223Greater Bridgeport Planning Regio, CT71122$4.9M
inflow2223District of Columbia, DC7198$9.8M
outflow2223Hamilton County, TN71105$5.1M
outflow2223Prince George's County, MD70121$3.7M
outflow2223Cuyahoga County, OH70111$4.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Orange County.

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

2023PurchaseNo CharacteristicAll Appraisals10,736.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals2,870.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals13,606.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals434,000.0
2023BothNo CharacteristicAll Appraisals458,500.0
2023PurchaseNo CharacteristicAll Appraisals465,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals438,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals450,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals6,200.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals413,000.0
2022BothNo CharacteristicAll Appraisals18,509.0
2022PurchaseNo CharacteristicAll Appraisals12,309.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals370,000.0
2021BothNo CharacteristicAll Appraisals31,543.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals17,544.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals13,999.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021BothNo CharacteristicAll Appraisals380,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals386,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals33,313.0
2020PurchaseNo CharacteristicAll Appraisals16,742.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals340,000.0
2020RefinanceNo CharacteristicAll Appraisals345,000.0
2020RefinanceNo CharacteristicAll Appraisals16,571.0
2020PurchaseNo CharacteristicAll Appraisals337,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals312,000.0
2019PurchaseNo CharacteristicAll Appraisals16,253.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals305,000.0
2019BothNo CharacteristicAll Appraisals25,383.0
2019RefinanceNo CharacteristicAll Appraisals9,130.0
2019PurchaseNo CharacteristicAll Appraisals316,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals265,000.0
2018BothNo CharacteristicAll Appraisals22,253.0
2018PurchaseNo CharacteristicAll Appraisals15,881.0
2018RefinanceNo CharacteristicAll Appraisals6,372.0
2018BothNo CharacteristicAll Appraisals296,000.0
2018PurchaseNo CharacteristicAll Appraisals309,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals265,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals21,718.0
2017PurchaseNo CharacteristicAll Appraisals14,494.0
2017PurchaseNo CharacteristicAll Appraisals292,000.0
2017RefinanceNo CharacteristicAll Appraisals7,224.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals282,000.0
2016PurchaseNo CharacteristicAll Appraisals13,285.0
2016RefinanceNo CharacteristicAll Appraisals270,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals275,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals275,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals21,667.0
2016RefinanceNo CharacteristicAll Appraisals8,382.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals256,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals253,000.0
2015BothNo CharacteristicAll Appraisals18,643.0
2015RefinanceNo CharacteristicAll Appraisals6,653.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals11,990.0
2015BothNo CharacteristicAll Appraisals255,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals250,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05823,242787,22736,0154.4%
2026-04821,326784,88636,4404.4%
2026-03818,367783,04935,3184.3%
2026-02817,245779,31037,9354.6%
2026-01812,485773,43439,0514.8%
2025-12814,882779,15235,7304.4%
2025-11818,469779,48938,9804.8%
2025-09822,736789,56633,1704.0%
2025-08819,287785,43333,8544.1%
2025-07819,204786,38832,8164.0%
2025-06818,499787,16431,3353.8%
2025-05813,735785,43328,3023.5%
2025-04814,206787,65126,5553.3%
2025-03813,337785,70127,6363.4%
2025-02810,152782,63527,5173.4%
2025-01812,844784,50128,3433.5%
2024-12810,603785,53525,0683.1%
2024-11813,314785,10528,2093.5%
2024-10819,712791,99727,7153.4%
2024-09823,428795,69227,7363.4%
2024-08822,712791,89130,8213.7%
2024-07823,803793,52130,2823.7%
2024-06821,868792,65229,2163.6%
2024-05815,586791,00224,5843.0%
2024-04815,413792,33523,0782.8%
2024-03815,954791,26424,6903.0%
2024-02811,273786,52624,7473.1%
2024-01809,464783,72025,7443.2%
2023-12811,567788,23723,3302.9%
2023-11818,010793,03224,9783.1%
2023-10823,568797,64725,9213.1%
2023-09824,573799,16625,4073.1%
2023-08822,988796,04626,9423.3%
2023-07821,121795,88225,2393.1%
2023-06821,018795,67225,3463.1%
2023-05814,611792,45522,1562.7%
2023-04808,634789,10219,5322.4%
2023-03806,621785,50721,1142.6%
2023-02801,514779,78321,7312.7%
2023-01797,145774,49322,6522.8%
2022-12797,788778,49519,2932.4%
2022-11797,896775,38922,5072.8%
2022-10804,550781,48623,0642.9%
2022-09802,604780,17322,4312.8%
2022-08798,126773,73324,3933.1%
2022-07794,878770,71424,1643.0%
2022-06788,868763,91724,9513.2%
2022-05782,086760,15521,9312.8%
2022-04776,273754,04922,2242.9%
2022-03776,770753,17823,5923.0%
2022-02770,897744,65126,2463.4%
2022-01767,662737,39830,2643.9%
2021-12766,569740,74425,8253.4%
2021-11767,041736,52130,5204.0%
2021-10768,007735,24532,7624.3%
2021-09763,059727,90135,1584.6%
2021-08758,290719,91038,3805.1%
2021-07754,136713,53340,6035.4%
2021-06746,040701,41144,6296.0%
2021-05734,166693,33140,8355.6%
2021-04728,639687,01841,6215.7%
2021-03722,947680,61442,3335.9%
2021-02718,289673,69844,5916.2%
2021-01716,162666,40749,7556.9%
2020-12727,666677,46850,1986.9%
2020-11733,464676,62956,8357.7%
2020-10737,599672,93064,6698.8%
2020-09740,019658,87081,14911.0%
2020-08740,922651,74789,17512.0%
2020-07767,360634,815132,54517.3%
2020-06758,966612,984145,98219.2%
2020-05765,980591,429174,55122.8%
2020-04717,750597,777119,97316.7%
2020-03756,649725,26731,3824.1%
2020-02767,304747,44519,8592.6%
2020-01763,867741,18522,6823.0%
2019-12768,587749,07219,5152.5%
2019-11769,434748,17321,2612.8%
2019-10775,086752,53022,5562.9%
2019-09776,673753,46823,2053.0%
2019-08773,615748,88424,7313.2%
2019-07773,075747,32525,7503.3%
2019-06769,384744,57424,8103.2%
2019-05761,951740,31021,6412.8%
2019-04756,154735,63120,5232.7%
2019-03756,612733,93222,6803.0%
2019-02754,872732,00922,8633.0%
2019-01749,154722,84626,3083.5%
2018-12753,714730,93322,7813.0%
2018-11755,738732,73123,0073.0%
2018-10762,731738,71324,0183.1%
2018-09759,321735,20524,1163.2%
2018-08755,461729,62325,8383.4%
2018-07759,745732,67927,0663.6%
2018-06756,416728,88227,5343.6%
2018-05748,287725,22923,0583.1%
2018-04743,650720,16723,4833.2%
2018-03743,356718,46224,8943.3%
2018-02741,237715,55125,6863.5%
2018-01736,004708,49727,5073.7%

BEA Personal Income

2024$96.40B1,533,646$63K
2023$90.33B1,501,265$60K
2022$83.02B1,465,146$57K
2021$77.97B1,427,909$55K
2020$70.66B1,431,720$49K
2019$65.59B1,420,258$46K
2018$61.51B1,405,854$44K
2017$58.01B1,377,229$42K
2016$53.83B1,344,595$40K
2015$51.70B1,305,967$40K
2014$47.80B1,268,465$38K
2013$44.59B1,236,507$36K
2012$43.32B1,208,772$36K
2011$41.70B1,174,059$36K
2010$39.12B1,149,260$34K
2009$36.76B1,131,351$32K
2008$38.62B1,115,525$35K
2007$37.84B1,100,663$34K
2006$36.28B1,083,429$33K
2005$33.09B1,053,341$31K
2004$30.13B1,011,681$30K
2003$27.62B979,227$28K
2002$26.07B955,136$27K
2001$25.12B931,775$27K
2000$25.05B903,019$28K
1999$22.93B875,681$26K
1998$21.45B855,705$25K
1997$19.64B829,072$24K
1996$18.21B801,137$23K
1995$16.90B780,031$22K
1994$15.68B764,593$21K
1993$14.95B745,596$20K
1992$14.02B725,347$19K
1991——$19K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-10$0$0$0No
2026-05-27$0$0$0Yes
2026-03-23$0$0$0No
2025-11-20$0$0$0Yes
2025-10-26$14K$14K$0Yes
2025-10-21$0——Yes
2025-09-26$0$0$0Yes
2025-09-09$5K$5K$0No
2025-09-06$0——Yes
2025-08-06$0——No
2025-06-27$571K$500K$71KNo
2025-04-07$18K$18K$0Yes
2025-01-22$0$0$0No
2025-01-04$0$0$0No
2024-10-17$0$0$0Yes
2024-10-11$151K$151K$0No
2024-10-10$39K$39K$0Yes
2024-10-10$5K$5K$0Yes
2024-10-10$48K$45K$2KYes
2024-10-10$656.08$656.08$0No
2024-10-10$91K$79K$12KYes
2024-10-10$291K$208K$84KYes
2024-10-10$0$0$0Yes
2024-10-10$118K$118K$0No
2024-10-10$0$0$0No
2024-10-10$0——Yes
2024-10-10$70K$64K$5KNo
2024-10-10$6K$6K$0Yes
2024-10-10$3K$3K$0Yes
2024-10-10$114K$114K$0No
2024-10-10$0$0$0Yes
2024-10-10$0$0$0No
2024-10-10$19K$19K$0Yes
2024-10-10$66K$66K$0Yes
2024-10-10$40K$40K$0Yes
2024-10-10$386K$336K$50KNo
2024-10-10$83K$79K$4KNo
2024-10-10$35K$35K$0Yes
2024-10-10$0——Yes
2024-10-10$0$0$0Yes
2024-10-10$19K$19K$0Yes
2024-10-10$201K$194K$7KYes
2024-10-10$59K$53K$6KNo
2024-10-10$82K$76K$6KNo
2024-10-10$0——No
2024-10-10$141K$136K$5KYes
2024-10-10$31K$27K$4KYes
2024-10-10$45K$45K$0Yes
2024-10-10$0——Yes
2024-10-10$57K$49K$8KYes
2024-10-10$3K$3K$0Yes
2024-10-10$0——Yes
2024-10-10$0$0$0No
2024-10-10$59K$59K$0Yes
2024-10-10$0——Yes
2024-10-10$9K$9K$0Yes
2024-10-10$16K$16K$0Yes
2024-10-10$57K$45K$12KYes
2024-10-09$0$0$0No
2024-10-09$0$0$0Yes
2024-10-09$37K$37K$0No
2024-10-09$0——Yes
2024-10-09$0——Yes
2024-10-09$0——Yes
2024-10-09$329K$298K$30KNo
2024-10-09$106K$96K$10KNo
2024-10-09$14K$14K$0Yes
2024-10-09$0——No
2024-10-09$7K$4K$3KYes
2024-10-09$0$0$0Yes
2024-10-09$53K$44K$9KYes
2024-10-09$10K$7K$3KYes
2024-10-09$32K$32K$0Yes
2024-10-09$15K$15K$0Yes
2024-10-09$25K$25K$0Yes
2024-10-09$1K$738.9$545.11Yes
2024-10-09$72K$72K$0Yes
2024-10-09$3K$3K$0Yes
2024-10-09$5K$5K$0Yes
2024-10-09$0——Yes
2024-10-09$0$0$0Yes
2024-10-09$0$0$0Yes
2024-10-09$44K$39K$5KYes
2024-10-09$13K$13K$0Yes
2024-10-09$39K$39K$0Yes
2024-10-09$26K$26K$0Yes
2024-10-09$22K$22K$0Yes
2024-10-09$4K$0$4KNo
2024-10-09$5K$5K$0Yes
2024-10-09$82K$71K$11KNo
2024-10-09$42K$35K$7KYes
2024-10-09$4K$3K$1KYes
2024-10-09$30K$28K$2KYes
2024-10-09$0$0$0No
2024-10-08$91K$0$91KYes
2024-10-05$0$3K$0Yes
2024-10-05$6K$6K$0Yes
2024-09-30$0$0$0Yes
2024-09-28$0——Yes
2024-09-27$0$0$0No

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN ORANGE COUNTY →Opens the loan explorer already filtered to county FIPS 12095.

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