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State markets/Florida/Polk County

COUNTY MORTGAGE MARKET · FIPS 12105

Polk County, Florida

Who lends in Polk County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$5.51B

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

Originations · 2025

20,119

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

Denial rate · 2025

23.2%

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

Lenders active · 2025

642

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

Concentration (HHI)

253

unconcentrated

Top-5 lender share

28.2%

of originations

Purchase

77.3%

13,749 loans

Refinance

22.7%

4,041 loans

Origination trend

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

Lenders in Polk 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 Polk 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 POLK COUNTY →

TOP TEN LENDERS IN POLK 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.

1,980$575.0M$575.0M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
919$275.7M$275.7M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
857$260.0M$260.0M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,181$259.0M$259.0M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,160$184.1M$184.1M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
665$176.1M$176.1M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$138.0M$138.0M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
430$118.4M$118.4M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$105.0M$105.0M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
305$90.2M$90.2M originated in Polk 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 Polk County

All 45 ZIP Code Tabulation Areas that touch Polk 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.
45 OF 45 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1212 of the 19 Polk County tracts this ZIP area touches sit mostly inside it.51,12266.8%9,882——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Polk County tracts this ZIP area touches sit mostly inside it.49,88040.8%13,362——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Polk County tracts this ZIP area touches sit mostly inside it.42,49053.4%10,429——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Polk County tracts this ZIP area touches sit mostly inside it.38,27345.7%6,274——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.37,92431.9%10,545——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Polk County tracts this ZIP area touches sit mostly inside it.37,32628.8%10,913——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Polk County tracts this ZIP area touches sit mostly inside it.37,17145.8%8,282——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Polk County tracts this ZIP area touches sit mostly inside it.35,94433.8%8,436——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.34,92960.0%7,246——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 17 Polk County tracts this ZIP area touches sit mostly inside it.33,49948.2%7,035——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.30,48443.1%6,841——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Polk County tracts this ZIP area touches sit mostly inside it.29,68133.8%7,286——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Polk County tracts this ZIP area touches sit mostly inside it.28,97132.6%6,938——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.28,57072.3%6,827——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.27,20763.8%4,226——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.25,41934.2%6,456——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.24,37033.3%6,165——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.22,21346.4%5,016——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Polk County tracts this ZIP area touches sit mostly inside it.19,37252.0%3,496——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Polk County tracts this ZIP area touches sit mostly inside it.16,36235.2%3,737——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.14,66355.9%3,121——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.10,13739.9%2,693——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Polk County tracts this ZIP area touches sit mostly inside it.9,31959.5%1,532——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.8,07544.8%1,956——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.7,87344.6%2,373——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.6,39247.8%1,620——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Polk County tracts this ZIP area touches sit mostly inside it.4,15548.5%876——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.3,28453.3%984——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.2,98558.4%436——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Polk County tracts this ZIP area touches sit mostly inside it.2,88024.2%1,003——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Polk County tracts this ZIP area touches sit mostly inside it.2,46620.6%561——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Polk County tract this ZIP area touches sit mostly inside it.1,60321.2%748——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk 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 Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

174 of Polk County’s 174 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Polk County

All 174 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

174 OF 174 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle109.5%4,79048.1%OPEN →
Middle96.2%2,02922.8%OPEN →
Middle81.7%6,53336.5%OPEN →
Upper134.1%1,77431.3%OPEN →
Upper150.7%4,35123.4%OPEN →
Upper149.0%3,85833.7%OPEN →
Upper178.9%3,45019.0%OPEN →
Middle105.6%3,51839.2%OPEN →
Middle98.6%4,61738.2%OPEN →
Middle95.5%3,43329.2%OPEN →
Moderate65.2%3,55047.9%OPEN →
Moderate64.0%4,73460.7%OPEN →
Middle84.1%3,25468.5%OPEN →
Moderate63.3%3,39283.3%OPEN →
Moderate53.2%1,84995.1%OPEN →
Moderate54.6%3,66194.2%OPEN →
—0.0%1,55288.9%OPEN →
Moderate53.1%1,85266.4%OPEN →
Moderate55.9%5,08159.4%OPEN →
Middle85.0%5,91145.0%OPEN →
Upper138.6%7,37140.9%OPEN →
Moderate73.4%2,06824.5%OPEN →
Moderate70.7%5,21732.9%OPEN →
Middle100.3%3,75632.0%OPEN →
Middle85.1%2,44928.5%OPEN →
Moderate59.0%4,95954.8%OPEN →
Middle106.2%3,21127.9%OPEN →
Moderate73.8%3,20632.4%OPEN →
Moderate77.6%5,32648.5%OPEN →
Moderate69.9%3,12058.6%OPEN →
Upper145.9%3,08418.5%OPEN →
Upper202.7%3,89622.9%OPEN →
Middle96.8%5,10638.1%OPEN →
Upper144.0%6,73930.4%OPEN →
Upper183.2%4,97724.4%OPEN →
Upper151.8%3,47924.1%OPEN →
Upper153.6%4,51739.0%OPEN →
Upper154.3%4,07236.1%OPEN →
Moderate77.2%4,91345.6%OPEN →
Upper128.6%3,53028.4%OPEN →
Middle109.4%4,26535.9%OPEN →
Upper136.9%3,31623.6%OPEN →
Upper123.1%1,65432.4%OPEN →
Upper156.0%3,54429.1%OPEN →
Upper178.1%2,64133.0%OPEN →
Middle80.4%2,86452.3%OPEN →
Middle84.2%5,79851.3%OPEN →
Middle113.4%3,12544.5%OPEN →
Middle103.8%6,10141.7%OPEN →
Upper142.3%2,55634.0%OPEN →
Upper128.3%6,72236.7%OPEN →
Middle96.8%5,65729.5%OPEN →
Middle88.7%3,02926.7%OPEN →
Upper120.4%4,47254.0%OPEN →
Middle108.9%8,31744.7%OPEN →
Middle116.9%4,65045.9%OPEN →
Middle99.5%2,46620.6%OPEN →
Middle88.3%3,1277.8%OPEN →
Middle112.0%2,81249.2%OPEN →
Middle103.1%5,29647.5%OPEN →
Middle100.8%2,90639.7%OPEN →
Middle100.9%3,22129.9%OPEN →
Middle89.9%3,48944.2%OPEN →
Middle107.4%6,76536.5%OPEN →
Upper139.0%4,04932.6%OPEN →
Upper137.8%5,38123.5%OPEN →
Moderate62.2%1,71324.2%OPEN →
Middle99.5%2,47620.8%OPEN →
Middle100.4%3,16023.3%OPEN →
—0.0%1,77320.5%OPEN →
Middle91.9%2,34743.9%OPEN →
Middle96.9%8,79650.6%OPEN →
Middle111.1%1,31422.3%OPEN →
Upper140.6%5,04829.7%OPEN →
Middle111.1%2,57043.1%OPEN →
Middle97.7%2,88759.9%OPEN →
Middle86.3%7,04659.3%OPEN →
Middle92.4%7,45753.3%OPEN →
Middle101.5%9,64855.3%OPEN →
Middle91.4%1,60321.2%OPEN →
Upper130.9%3,28453.3%OPEN →
Upper122.5%12,61962.4%OPEN →
Middle96.1%10,57653.2%OPEN →
Middle86.1%3,51453.6%OPEN →
Upper145.0%2,48738.8%OPEN →
—0.0%4,25581.3%OPEN →
Moderate70.9%5,83990.4%OPEN →
Middle99.5%5,45059.6%OPEN →
Upper138.8%5,09433.4%OPEN →
Upper136.0%8,69856.9%OPEN →
Middle96.6%7,61169.3%OPEN →
Moderate65.8%6,07176.2%OPEN →
Moderate78.9%5,68884.6%OPEN →
Middle82.9%4,31181.4%OPEN →
Moderate76.3%3,82362.6%OPEN →
Middle110.2%5,55158.4%OPEN →
Middle89.8%4,58323.7%OPEN →
Moderate78.6%6,54846.7%OPEN →
Middle87.0%6,39247.8%OPEN →
Upper139.3%3,76137.1%OPEN →
Middle84.7%5,14939.9%OPEN →
Upper150.2%4,25319.6%OPEN →
Middle85.4%3,71229.3%OPEN →
Middle81.5%1,13543.4%OPEN →
Moderate75.5%1,88856.5%OPEN →
Moderate73.7%2,19261.2%OPEN →
Low49.6%5,35257.3%OPEN →
Middle114.8%3,61529.5%OPEN →
Low49.9%2,09676.8%OPEN →
Moderate66.0%3,48283.6%OPEN →
Moderate66.6%1,89645.9%OPEN →
Moderate73.7%7,17561.9%OPEN →
Middle89.1%3,80747.9%OPEN →
Moderate63.5%7,43655.2%OPEN →
Middle81.6%2,99361.5%OPEN →
Upper143.0%5,67725.0%OPEN →
Middle119.0%5,91130.8%OPEN →
Middle99.2%3,77840.1%OPEN →
Upper137.6%4,04728.9%OPEN →
Upper172.6%3,21533.5%OPEN →
Middle93.8%1,98574.7%OPEN →
Middle84.0%3,37565.0%OPEN →
Middle87.2%7,03834.8%OPEN →
Middle80.9%2,50248.7%OPEN →
Middle93.4%5,02283.8%OPEN →
Moderate62.5%7,93287.8%OPEN →
Middle102.1%5,38554.5%OPEN →
Upper136.6%3,02729.4%OPEN →
Middle81.0%3,40551.1%OPEN →
Moderate70.0%2,98558.4%OPEN →
Moderate79.0%5,56432.2%OPEN →
Middle97.7%2,83228.2%OPEN →
Moderate78.2%2,91810.3%OPEN →
Middle82.7%1,73592.5%OPEN →
Middle111.1%3,82353.8%OPEN →
Upper144.8%2,70837.6%OPEN →
Middle108.5%8,25831.8%OPEN →
Upper135.7%1,50755.3%OPEN →
Moderate71.3%9,87057.6%OPEN →
Moderate67.5%3,22869.3%OPEN →
Middle86.8%4,15548.5%OPEN →
Upper125.9%5,97436.4%OPEN →
Middle99.3%4,75238.7%OPEN →
Upper137.3%5,30940.3%OPEN →
Middle84.3%3,05849.0%OPEN →
Upper148.3%3,85237.9%OPEN →
Upper148.5%9,45530.5%OPEN →
Moderate68.7%2,79748.2%OPEN →
Middle93.5%4,75755.9%OPEN →
Upper122.2%2,61647.0%OPEN →
Middle119.2%7,85139.3%OPEN →
Moderate73.2%5,24956.0%OPEN →
Upper126.3%3,80228.8%OPEN →
Upper135.1%2,52718.6%OPEN →
Moderate62.5%4,51564.4%OPEN →
Middle96.3%4,61740.9%OPEN →
Middle86.0%2,73921.2%OPEN →
Moderate70.5%2,84444.4%OPEN →
Middle113.4%2,88024.2%OPEN →
Middle104.8%1,38316.2%OPEN →
Moderate69.3%3,16333.1%OPEN →
Moderate73.4%4,87660.0%OPEN →
Moderate79.2%3,40927.2%OPEN →
Middle112.7%2,38738.4%OPEN →
Middle80.2%4,02938.4%OPEN →
Middle84.4%2,42428.3%OPEN →
Middle85.5%3,94356.2%OPEN →
Middle101.9%2,08635.2%OPEN →
Middle115.9%2,18237.1%OPEN →
Middle90.0%1,63668.2%OPEN →
Moderate78.4%1,96943.2%OPEN →
Moderate50.3%1,13443.1%OPEN →
Moderate62.5%2,36062.5%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

790,694

Median household income

$65,978

Median home value

$266,500

Median gross rent

$1,363

per month

Owner-occupied

70.5%

of occupied units

Housing units

340,748

15.1% vacant

Poverty rate

14.5%

Unemployment

4.8%

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 96.5

Social vulnerability

Relatively Moderate

Community resilience

Relatively Low

ELEVATED PERILS

Inland flooding Relatively High · Hurricane Very High · Tornado 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

91

Declarations recorded

42

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

Everything we hold on Polk 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 Polk County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Polk County →Every reported application and origination in FIPS 12105, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Polk 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

1,810

—

Purchase share

51.5%

932 loans

IRRRL refinances

622

Cash-out refinances

256

20261,810—932622256
20252,057—1,326397334
20241,816—1,343198275
20231,814—1,4546354
2022——1,614369925
20214,227—1,5512,213463
20203,705—1,4631,767475
20192,107—1,370260477
20181,947—1,300175472
20172,142—1,253457432
20161,718—1,004430284
20151,356—798376182

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 Polk 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

Polk 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

6,725

−21.0% vs 2024

Multifamily · 2025

1,511

−19.2% vs 2024

Total authorized · 2025

8,236

−20.7% vs 2024

Permit valuation · 2025

$2.3B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05K10K15K20K19901992199419961998200020022004200620082010201220142016201820202022202420258,236 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 Polk County, showing population movement and wealth transfer.

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

inflow2223Orange County, FL4,1197,567$188.3M
inflow2223Osceola County, FL3,4996,746$161.3M
inflow2223Hillsborough County, FL3,2175,992$170.9M
outflow2223Other flows - South, DS2,7855,374$155.3M
outflow2223Orange County, FL2,3003,842$107.6M
inflow2223Other flows - South, DS2,2694,161$133.6M
outflow2223Hillsborough County, FL2,0553,588$119.0M
outflow2223Osceola County, FL1,9873,701$90.2M
inflow2223Other flows - Midwest, DS1,6032,921$104.7M
outflow2223Other flows - Midwest, DS1,5162,630$80.1M
inflow2223Miami-Dade County, FL1,0491,965$50.8M
outflow2223Other flows - Northeast, DS9921,764$69.4M
inflow2223Broward County, FL8551,625$48.3M
inflow2223Lake County, FL8551,537$41.8M
outflow2223Lake County, FL8261,569$47.8M
inflow2223Other flows - Northeast, DS7831,391$51.8M
inflow2223Other flows - West, DS6141,199$43.2M
outflow2223Other flows - West, DS583983$35.7M
inflow2223Pasco County, FL492899$29.6M
inflow2223Pinellas County, FL475791$32.3M
outflow2223Pasco County, FL468889$25.7M
inflow2223Seminole County, FL435740$22.9M
outflow2223Pinellas County, FL373550$18.5M
inflow2223Palm Beach County, FL370676$22.3M
outflow2223Seminole County, FL345574$16.2M
inflow2223Foreign - Puerto Rico, FR341834$7.9M
outflow2223Highlands County, FL306574$12.2M
inflow2223Highlands County, FL304568$12.9M
inflow2223Lee County, FL302536$17.7M
outflow2223Broward County, FL277474$14.7M
outflow2223Miami-Dade County, FL276442$23.8M
outflow2223Foreign - Puerto Rico, FR273436$5.2M
outflow2223Marion County, FL269529$13.4M
outflow2223Volusia County, FL240409$11.9M
inflow2223Queens County, NY239466$15.7M
inflow2223Duval County, FL233390$12.5M
outflow2223Brevard County, FL230384$12.6M
inflow2223Volusia County, FL226397$11.8M
inflow2223Bronx County, NY220411$9.6M
inflow2223Manatee County, FL217358$14.2M
outflow2223Duval County, FL215361$9.3M
inflow2223Brevard County, FL204353$12.0M
outflow2223Manatee County, FL191324$18.3M
outflow2223Palm Beach County, FL191318$10.5M
inflow2223Kings County, NY183376$11.8M
outflow2223Lee County, FL176281$9.0M
inflow2223Hardee County, FL141250$6.5M
inflow2223Suffolk County, NY140245$8.4M
inflow2223Marion County, FL130246$7.0M
inflow2223Cook County, IL128222$10.0M
inflow2223Philadelphia County, PA127249$7.0M
outflow2223Leon County, FL116176$4.2M
inflow2223Maricopa County, AZ115177$7.0M
outflow2223Hardee County, FL112227$5.3M
outflow2223Hernando County, FL111201$6.0M
inflow2223St. Lucie County, FL110200$5.3M
inflow2223Sarasota County, FL109169$7.5M
inflow2223Leon County, FL107169$5.6M
outflow2223Alachua County, FL107171$5.1M
inflow2223Alachua County, FL106164$5.0M
inflow2223Nassau County, NY103185$7.6M
outflow2223St. Lucie County, FL102190$5.9M
inflow2223Hernando County, FL102180$6.0M
inflow2223Middlesex County, NJ100194$5.7M
inflow2223Harris County, TX99170$10.1M
outflow2223Sarasota County, FL99174$7.6M
inflow2223Los Angeles County, CA96171$8.4M
outflow2223Harris County, TX91170$3.8M
inflow2223Capitol Planning Region, CT89172$5.3M
inflow2223Collier County, FL88145$5.6M
inflow2223New York County, NY88147$6.0M
inflow2223San Diego County, CA87148$4.9M
inflow2223Charlotte County, FL86138$4.7M
outflow2223Sumter County, FL85160$5.2M
outflow2223Cook County, IL83139$3.7M
outflow2223Citrus County, FL83142$4.7M
outflow2223Maricopa County, AZ81135$4.7M
outflow2223Foreign - Overseas, FR81125$3.8M
inflow2223Clark County, NV81129$5.5M
inflow2223El Paso County, CO80168$4.7M
inflow2223Wayne County, MI77130$4.3M
outflow2223Mecklenburg County, NC77125$5.6M
inflow2223Gwinnett County, GA76139$4.9M
inflow2223Citrus County, FL75112$6.5M
inflow2223Hudson County, NJ74137$4.2M
inflow2223Lehigh County, PA74137$5.1M
inflow2223Worcester County, MA72131$4.1M
inflow2223Essex County, NJ72135$4.7M
inflow2223Essex County, MA70124$3.4M
inflow2223Bexar County, TX69148$5.7M
outflow2223Fulton County, GA69102$5.6M
inflow2223Westchester County, NY69125$5.5M
inflow2223Tarrant County, TX68134$5.9M
outflow2223Queens County, NY6799$2.9M
inflow2223Franklin County, OH66119$4.4M
outflow2223Charlotte County, FL64113$3.9M
inflow2223Hampden County, MA64122$3.6M
inflow2223Sumter County, FL6396$4.7M
outflow2223Bronx County, NY62116$2.1M
inflow2223Union County, NJ62118$3.1M
outflow2223Kings County, NY62108$4.8M
outflow2223St. Johns County, FL62109$4.1M
outflow2223Clark County, NV6189$3.5M
inflow2223Ocean County, NJ61115$6.0M
inflow2223Middlesex County, MA59110$3.7M
outflow2223Philadelphia County, PA58112$1.4M
inflow2223Foreign - Other flows, FR5777$2.9M
inflow2223Bergen County, NJ57100$4.2M
inflow2223Naugatuck Valley Planning Region, CT5793$2.6M
inflow2223Mecklenburg County, NC5687$3.4M
outflow2223Indian River County, FL5687$4.3M
outflow2223Guilford County, NC56106$2.8M
outflow2223New York County, NY5577$3.3M
inflow2223Monroe County, NY55113$3.7M
outflow2223Wake County, NC54101$3.2M
outflow2223Providence County, RI5498$2.2M
inflow2223Marion County, IN54112$3.6M
inflow2223South Central Connecticut Plannin, CT5498$3.7M
outflow2223Flagler County, FL54108$3.8M
outflow2223Bexar County, TX5392$2.6M
inflow2223Okaloosa County, FL5399$3.7M
inflow2223Cobb County, GA5291$2.6M
inflow2223Erie County, NY5183$2.5M
inflow2223Foreign - APO/FPO ZIPs, FR5190$3.0M
outflow2223Greenville County, SC5091$3.1M
inflow2223Providence County, RI50116$2.5M
inflow2223Hennepin County, MN50100$4.7M
inflow2223Orange County, NY49104$3.6M
outflow2223Foreign - Other flows, FR4992$2.7M
inflow2223Indian River County, FL4980$3.0M
inflow2223Clay County, FL4995$3.6M
outflow2223El Paso County, CO4885$1.9M
inflow2223Milwaukee County, WI4892$2.1M
inflow2223Luzerne County, PA4896$1.4M
inflow2223Will County, IL4898$4.7M
inflow2223Riverside County, CA4888$3.1M
inflow2223Escambia County, FL4785$2.6M
outflow2223Los Angeles County, CA4765$3.0M
outflow2223Tarrant County, TX4777$1.8M
outflow2223Gwinnett County, GA4789$1.9M
inflow2223Montgomery County, PA4790$3.7M
inflow2223Wake County, NC4781$3.3M
inflow2223Passaic County, NJ47100$2.4M
inflow2223DeKalb County, GA4769$2.1M
inflow2223Dallas County, TX4678$3.6M
outflow2223Cobb County, GA4678$1.9M
outflow2223Hampden County, MA4691$1.4M
outflow2223Dallas County, TX4674$2.3M
inflow2223Fulton County, GA4673$4.6M
inflow2223Cuyahoga County, OH4677$1.7M
outflow2223Clay County, FL4589$3.1M
inflow2223Honolulu County, HI4488$2.6M
inflow2223DuPage County, IL4474$4.2M
outflow2223Monroe County, NY4472$1.4M
outflow2223DeKalb County, GA4378$1.7M
outflow2223San Diego County, CA4362$2.4M
inflow2223Oakland County, MI4372$2.7M
inflow2223Suffolk County, MA4374$2.1M
inflow2223Burlington County, NJ4384$3.5M
inflow2223Fairfax County, VA4387$5.0M
outflow2223Middlesex County, MA4372$2.7M
inflow2223Kent County, MI4293$2.4M
outflow2223Okaloosa County, FL4294$3.0M
outflow2223Franklin County, OH4265$1.7M
inflow2223Monroe County, FL4274$2.2M
inflow2223Montgomery County, MD4277$3.8M
inflow2223Davidson County, TN4273$2.4M
inflow2223Cumberland County, NC4179$2.0M
inflow2223Prince George's County, MD4170$4.4M
inflow2223Bristol County, MA4168$2.6M
inflow2223Collin County, TX4184$4.0M
inflow2223Berks County, PA4079$1.6M
outflow2223Capitol Planning Region, CT4074$1.8M
inflow2223Hillsborough County, NH4072$5.8M
inflow2223St. Johns County, FL4076$3.2M
inflow2223Arapahoe County, CO4083$3.3M
outflow2223Erie County, NY3960$1.8M
inflow2223Bucks County, PA3981$3.1M
inflow2223Baltimore County, MD3967$2.4M
outflow2223Escambia County, FL3868$1.8M
outflow2223Collier County, FL3861$2.2M
inflow2223Orange County, CA3878$3.7M
inflow2223Richmond County, NY3874$3.3M
outflow2223Knox County, TN3868$2.1M
outflow2223Marion County, IN3870$1.3M
outflow2223Worcester County, MA3760$1.2M
outflow2223Allegheny County, PA3763$1.6M
outflow2223Davidson County, TN3755$1.6M
inflow2223Onslow County, NC3768$2.1M
inflow2223Allegheny County, PA3763$2.2M
inflow2223Northampton County, PA3773$1.7M
inflow2223Salt Lake County, UT3772$2.6M
inflow2223Pierce County, WA3788$2.3M
outflow2223Suffolk County, NY3559$2.0M
inflow2223Bay County, FL3565$2.0M
inflow2223Atlantic County, NJ3469$2.2M
outflow2223Jefferson County, KY3456$1.5M
inflow2223Camden County, NJ3357$1.7M
inflow2223King County, WA3358$2.5M
inflow2223Macomb County, MI3361$2.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Polk County.

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

2023PurchaseNo CharacteristicAll Appraisals9,559.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals2,069.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals11,628.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals325,000.0
2023BothNo CharacteristicAll Appraisals342,000.0
2023PurchaseNo CharacteristicAll Appraisals345,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals342,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals350,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals4,633.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals322,000.0
2022BothNo CharacteristicAll Appraisals16,194.0
2022PurchaseNo CharacteristicAll Appraisals11,561.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals270,000.0
2021BothNo CharacteristicAll Appraisals20,407.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals12,662.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals7,745.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals279,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals284,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals16,776.0
2020PurchaseNo CharacteristicAll Appraisals10,102.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals239,500.0
2020RefinanceNo CharacteristicAll Appraisals242,000.0
2020RefinanceNo CharacteristicAll Appraisals6,674.0
2020PurchaseNo CharacteristicAll Appraisals237,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals218,000.0
2019PurchaseNo CharacteristicAll Appraisals8,833.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals217,000.0
2019BothNo CharacteristicAll Appraisals12,753.0
2019RefinanceNo CharacteristicAll Appraisals3,920.0
2019PurchaseNo CharacteristicAll Appraisals218,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals195,000.0
2018BothNo CharacteristicAll Appraisals10,564.0
2018PurchaseNo CharacteristicAll Appraisals7,928.0
2018RefinanceNo CharacteristicAll Appraisals2,636.0
2018BothNo CharacteristicAll Appraisals203,000.0
2018PurchaseNo CharacteristicAll Appraisals205,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals186,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals9,466.0
2017PurchaseNo CharacteristicAll Appraisals6,606.0
2017PurchaseNo CharacteristicAll Appraisals190,000.0
2017RefinanceNo CharacteristicAll Appraisals2,860.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals190,000.0
2016PurchaseNo CharacteristicAll Appraisals5,644.0
2016RefinanceNo CharacteristicAll Appraisals180,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals178,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals179,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals8,629.0
2016RefinanceNo CharacteristicAll Appraisals2,985.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals165,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals170,000.0
2015BothNo CharacteristicAll Appraisals7,328.0
2015RefinanceNo CharacteristicAll Appraisals2,264.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals5,064.0
2015BothNo CharacteristicAll Appraisals168,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals160,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05363,431343,47619,9555.5%
2026-04364,145343,85420,2915.6%
2026-03362,888343,28519,6035.4%
2026-02363,155342,11021,0455.8%
2026-01361,659339,79521,8646.0%
2025-12363,620343,70019,9205.5%
2025-11364,310342,70521,6055.9%
2025-09364,322345,52918,7935.2%
2025-08361,457342,33819,1195.3%
2025-07360,017341,49518,5225.1%
2025-06360,223342,53717,6864.9%
2025-05358,677342,94815,7294.4%
2025-04359,401344,73714,6644.1%
2025-03359,494344,32715,1674.2%
2025-02357,482342,30215,1804.2%
2025-01358,495342,73315,7624.4%
2024-12358,224344,05314,1714.0%
2024-11358,198342,42315,7754.4%
2024-10358,684343,09615,5884.3%
2024-09361,678345,66716,0114.4%
2024-08360,421342,88917,5324.9%
2024-07359,181341,85317,3284.8%
2024-06358,500342,03216,4684.6%
2024-05355,735341,95413,7813.9%
2024-04355,965343,23312,7323.6%
2024-03357,145343,50913,6363.8%
2024-02355,198341,45213,7463.9%
2024-01355,708341,35814,3504.0%
2023-12354,901341,89913,0023.7%
2023-11356,901343,19413,7073.8%
2023-10357,867343,56214,3054.0%
2023-09359,253345,17714,0763.9%
2023-08357,640342,62115,0194.2%
2023-07354,689340,58214,1074.0%
2023-06355,109341,09114,0183.9%
2023-05354,428342,37812,0503.4%
2023-04352,764342,23810,5263.0%
2023-03352,311340,93211,3793.2%
2023-02350,343338,71811,6253.3%
2023-01349,077336,93512,1423.5%
2022-12347,398337,06110,3373.0%
2022-11347,182335,20011,9823.5%
2022-10348,169335,93412,2353.5%
2022-09349,984338,04811,9363.4%
2022-08347,847334,74613,1013.8%
2022-07345,174332,32012,8543.7%
2022-06344,872331,58213,2903.9%
2022-05343,743332,41711,3263.3%
2022-04342,629331,43911,1903.3%
2022-03343,224331,35711,8673.5%
2022-02340,326327,24613,0803.8%
2022-01339,547324,51615,0314.4%
2021-12337,795325,28412,5113.7%
2021-11339,260324,42714,8334.4%
2021-10340,412324,60815,8044.6%
2021-09339,946323,12916,8174.9%
2021-08336,479317,90818,5715.5%
2021-07334,820315,18419,6365.9%
2021-06335,520314,73020,7906.2%
2021-05333,504315,21218,2925.5%
2021-04332,932314,40218,5305.6%
2021-03331,709312,87418,8355.7%
2021-02330,670310,91119,7596.0%
2021-01329,053307,56221,4916.5%
2020-12329,847308,86320,9846.4%
2020-11327,268304,50722,7617.0%
2020-10328,930304,09224,8387.6%
2020-09329,923299,48330,4409.2%
2020-08327,746295,60332,1439.8%
2020-07331,367285,69645,67113.8%
2020-06332,563283,45949,10414.8%
2020-05334,999275,93059,06917.6%
2020-04303,367264,87638,49112.7%
2020-03316,666301,63115,0354.7%
2020-02318,615308,7459,8703.1%
2020-01317,707306,36211,3453.6%
2019-12316,705307,0159,6903.1%
2019-11316,142305,47310,6693.4%
2019-10316,685305,35811,3273.6%
2019-09317,778306,02811,7503.7%
2019-08315,615303,05612,5594.0%
2019-07313,470300,42313,0474.2%
2019-06312,272299,81112,4614.0%
2019-05309,473298,68310,7903.5%
2019-04307,803297,66910,1343.3%
2019-03308,343297,09111,2523.6%
2019-02306,960295,65411,3063.7%
2019-01306,968294,03712,9314.2%
2018-12307,917296,75711,1603.6%
2018-11308,435297,04711,3883.7%
2018-10308,754296,68012,0743.9%
2018-09308,562296,29812,2644.0%
2018-08306,378293,37813,0004.2%
2018-07307,034293,46813,5664.4%
2018-06305,254291,58613,6684.5%
2018-05303,021291,56111,4603.8%
2018-04302,104290,51411,5903.8%
2018-03300,249287,90212,3474.1%
2018-02299,738286,99712,7414.3%
2018-01299,067285,34513,7224.6%

BEA Personal Income

2024$39.47B852,878$46K
2023$37.11B824,172$45K
2022$34.39B790,530$44K
2021$33.22B755,712$44K
2020$29.82B730,179$41K
2019$26.91B711,023$38K
2018$25.18B694,658$36K
2017$23.85B674,860$35K
2016$22.18B656,847$34K
2015$21.68B640,910$34K
2014$20.68B628,217$33K
2013$19.77B617,908$32K
2012$19.66B612,187$32K
2011$19.61B608,144$32K
2010$18.61B602,743$31K
2009$17.44B598,683$29K
2008$18.10B594,801$30K
2007$17.51B585,982$30K
2006$16.73B568,324$29K
2005$16.00B547,373$29K
2004$14.72B527,685$28K
2003$13.65B513,058$27K
2002$12.95B501,469$26K
2001$12.68B492,917$26K
2000$11.71B485,515$24K
1999$11.20B478,047$23K
1998$10.68B471,450$23K
1997$9.72B463,519$21K
1996$9.38B454,512$21K
1995$8.85B447,182$20K
1994$8.22B438,480$19K
1993$7.59B429,224$18K
1992$7.20B423,171$17K
1991——$16K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-10$56K$52K$4KYes
2026-05-01$0$0$0Yes
2025-08-27$42K$42K$0Yes
2025-06-27$10K$10K$0Yes
2025-06-25$0——Yes
2025-05-27$3K$3K$0Yes
2025-01-11$0$0$0Yes
2024-10-22$48K$48K$0Yes
2024-10-17$0$0$0No
2024-10-12$5K$5K$0Yes
2024-10-11$26K$25K$598.84Yes
2024-10-11$172K$172K$0Yes
2024-10-11$0——Yes
2024-10-11$145K$145K$0Yes
2024-10-11$0$0$0Yes
2024-10-11$9K$9K$0Yes
2024-10-11$106K$94K$13KYes
2024-10-10$0——Yes
2024-10-10$8K$8K$0Yes
2024-10-10$20K$15K$5KYes
2024-10-10$11K$11K$0Yes
2024-10-10$9K$9K$0Yes
2024-10-10$31K$25K$6KYes
2024-10-10$0$0$0No
2024-10-10$143K$106K$37KYes
2024-10-10$34K$34K$0Yes
2024-10-10$21K$10K$11KYes
2024-10-10$6K$6K$0No
2024-10-10$17K$17K$0Yes
2024-10-10$105K$98K$7KNo
2024-10-10$224K$187K$37KYes
2024-10-10$13K$13K$0Yes
2024-10-10$15K$15K$0Yes
2024-10-10$5K$5K$0Yes
2024-10-10$28K$28K$0Yes
2024-10-10$0$0$0Yes
2024-10-10$83K$83K$0No
2024-10-10$3K$0$3KNo
2024-10-10$11K$11K$0Yes
2024-10-10$237K$232K$5KYes
2024-10-10$0$0$0No
2024-10-10$4K$4K$0Yes
2024-10-10$13K$13K$0Yes
2024-10-10$19K$18K$225.99Yes
2024-10-10$13K$7K$6KYes
2024-10-10$6K$6K$0Yes
2024-10-10$4K$4K$0Yes
2024-10-10$73K$73K$0Yes
2024-10-10$55K$55K$0Yes
2024-10-10$21K$21K$0Yes
2024-10-10$5K$5K$0Yes
2024-10-10$99K$92K$7KYes
2024-10-10$0——Yes
2024-10-10$140K$123K$17KYes
2024-10-10$133K$106K$26KYes
2024-10-10$35K$21K$14KYes
2024-10-10$10K$10K$0Yes
2024-10-10$16K$16K$0Yes
2024-10-10$0$0$0No
2024-10-10$13K$13K$0Yes
2024-10-10$0$0$0No
2024-10-10$0——Yes
2024-10-10$26K$21K$5KYes
2024-10-10$9K$9K$0Yes
2024-10-10$724K$224K$500KNo
2024-10-10$50K$46K$4KYes
2024-10-10$17K$17K$0Yes
2024-10-10$17K$17K$708.39Yes
2024-10-10$57K$57K$0Yes
2024-10-10$900K$400K$500KNo
2024-10-10$6K$6K$0Yes
2024-10-10$0——Yes
2024-10-10$183K$155K$28KYes
2024-10-10$0$0$0Yes
2024-10-10$25K$3K$22KNo
2024-10-10$118K$98K$20KYes
2024-10-10$3K$3K$0Yes
2024-10-10$8K$8K$0Yes
2024-10-10$13K$11K$2KYes
2024-10-10$27K$27K$0Yes
2024-10-10$9K$9K$0Yes
2024-10-10$94K$81K$13KYes
2024-10-10$42K$42K$0Yes
2024-10-10$48K$48K$0Yes
2024-10-10$17K$12K$5KYes
2024-10-10$0——Yes
2024-10-10$33K$25K$7KYes
2024-10-10$97K$97K$0Yes
2024-10-10$250K$250K$0Yes
2024-10-10$581K$500K$81KNo
2024-10-10$40K$40K$0No
2024-10-10$36K$31K$5KYes
2024-10-10$45K$35K$10KYes
2024-10-10$147K$93K$54KYes
2024-10-10$69K$55K$14KYes
2024-10-10$95K$66K$29KYes
2024-10-10$108K$97K$12KYes
2024-10-10$310K$210K$100KYes
2024-10-10$16K$16K$0Yes
2024-10-10$161K$129K$32KYes

ALSO CHECKED

18 more data areas were checked for Polk 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 POLK COUNTY →Opens the loan explorer already filtered to county FIPS 12105.

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.