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State markets/Illinois/Madison County

COUNTY MORTGAGE MARKET · FIPS 17119

Madison County, Illinois

Who lends in Madison 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

$1.22B

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

Originations · 2025

6,489

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

Denial rate · 2025

15.6%

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

Lenders active · 2025

330

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

Concentration (HHI)

291

unconcentrated

Top-5 lender share

27.2%

of originations

Purchase

67.3%

3,511 loans

Refinance

32.7%

1,703 loans

Origination trend

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

Lenders in Madison 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 Madison 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 MADISON COUNTY →

TOP TEN LENDERS IN MADISON 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.

599$133.0M$133.0M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
313$53.3M$53.3M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
301$51.9M$51.9M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
287$47.5M$47.5M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
194$46.7M$46.7M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
144$39.1M$39.1M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
242$37.2M$37.2M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
143$36.9M$36.9M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
209$35.6M$35.6M originated in Madison County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
144$32.4M$32.4M originated in Madison 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 Madison County

All 36 ZIP Code Tabulation Areas that touch Madison 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.
36 OF 36 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
77 of the 11 Madison County tracts this ZIP area touches sit mostly inside it.39,53317.9%9,809——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Madison County tracts this ZIP area touches sit mostly inside it.37,89526.0%10,886——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Madison County tracts this ZIP area touches sit mostly inside it.27,01333.4%7,980——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Madison County tracts this ZIP area touches sit mostly inside it.26,84725.0%8,201——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Madison County tracts this ZIP area touches sit mostly inside it.18,0307.1%5,610——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.17,74115.1%5,948——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Madison County tracts this ZIP area touches sit mostly inside it.16,01420.5%4,106——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.13,93011.2%3,902——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.10,69213.4%3,175——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Madison County tracts this ZIP area touches sit mostly inside it.10,55414.0%3,466——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 8 Madison County tracts this ZIP area touches sit mostly inside it.9,94210.5%3,055——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 9 Madison County tracts this ZIP area touches sit mostly inside it.8,3289.2%2,847——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.5,5927.8%1,859——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Madison County tracts this ZIP area touches sit mostly inside it.5,1986.9%1,815——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Madison County tracts this ZIP area touches sit mostly inside it.4,4318.3%1,548——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.2,83313.3%1,142——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Madison County tracts this ZIP area touches sit mostly inside it.2,55621.4%578——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Madison County tracts this ZIP area touches sit mostly inside it.2,5406.1%901——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Madison County tracts this ZIP area touches sit mostly inside it.2,37878.2%508——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Madison County tracts this ZIP area touches sit mostly inside it.2,31412.7%714——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Madison County tracts this ZIP area touches sit mostly inside it.1,49897.4%374——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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.

63 of Madison County’s 63 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 Madison County

All 63 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.

63 OF 63 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle91.3%2,51019.8%OPEN →
Moderate63.2%5,13732.8%OPEN →
Moderate52.1%3,81533.5%OPEN →
Low41.7%2,37878.2%OPEN →
Low31.7%1,49897.4%OPEN →
Middle105.2%1,78415.3%OPEN →
Middle82.4%5,86922.4%OPEN →
Moderate71.8%5,20134.6%OPEN →
Moderate64.4%3,16212.4%OPEN →
Middle109.7%5,00116.9%OPEN →
Moderate77.3%3,12726.4%OPEN →
Moderate58.0%2,31412.7%OPEN →
Moderate58.1%2,73913.8%OPEN →
Middle86.2%3,5209.5%OPEN →
Middle86.0%1,85310.2%OPEN →
Moderate64.5%4,71517.6%OPEN →
Moderate70.4%3,03221.9%OPEN →
Middle80.8%2,44027.5%OPEN →
Moderate55.0%2,55621.4%OPEN →
Middle89.7%5,5329.5%OPEN →
Middle95.9%2,7968.8%OPEN →
Middle99.6%5,97710.1%OPEN →
Middle81.9%1,8308.0%OPEN →
Moderate68.4%4,74813.3%OPEN →
Moderate71.9%4,08636.3%OPEN →
Low44.1%3,06152.0%OPEN →
Moderate74.6%3,22840.6%OPEN →
Moderate75.5%1,66422.4%OPEN →
Moderate63.1%1,53835.0%OPEN →
Low49.9%1,82256.3%OPEN →
Moderate50.0%2,55540.3%OPEN →
Middle110.5%7,19118.9%OPEN →
Middle90.0%7,72213.4%OPEN →
Middle119.4%2,82810.3%OPEN →
Upper121.1%3,5879.1%OPEN →
Middle117.1%3,37112.7%OPEN →
Middle119.8%2,5406.1%OPEN →
Middle118.1%5,5927.8%OPEN →
Upper142.2%5,28320.0%OPEN →
Middle99.0%5,21622.2%OPEN →
Upper135.0%7,21216.5%OPEN →
Upper147.8%6,94429.0%OPEN →
Upper132.3%9,52819.7%OPEN →
Upper151.1%6,48621.8%OPEN →
Moderate66.3%4,46622.5%OPEN →
Moderate79.5%2,80029.6%OPEN →
Moderate79.6%3,84633.8%OPEN →
Moderate74.0%2,80731.0%OPEN →
Moderate67.0%3,09333.2%OPEN →
Middle104.6%5,87018.1%OPEN →
Middle118.3%8,31912.5%OPEN →
Upper132.2%5,6119.3%OPEN →
Upper125.7%10,55414.0%OPEN →
Middle97.1%3,96515.5%OPEN →
Middle107.0%3,6467.8%OPEN →
Upper128.1%1,8666.8%OPEN →
Middle100.3%6,2476.9%OPEN →
Upper148.1%6,7599.1%OPEN →
Upper127.7%6,2716.9%OPEN →
Middle114.2%5,1986.9%OPEN →
Middle100.4%4,4318.3%OPEN →
—0.0%2,28941.6%OPEN →
Moderate72.7%2,83313.3%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

264,238

Median household income

$75,793

Median home value

$173,000

Median gross rent

$1,024

per month

Owner-occupied

74.2%

of occupied units

Housing units

119,168

7.6% vacant

Poverty rate

11.1%

Unemployment

4.6%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 93.4

Social vulnerability

Relatively Low

Community resilience

Very High

ELEVATED PERILS

Tornado Relatively High · Hail Relatively High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

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

Months with an active declaration

74

Declarations recorded

16

Incident types on record: Biological, Flood, Hurricane, Severe Ice Storm, Severe Storm, Tornado.

Everything we hold on Madison 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 Madison County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Madison County →Every reported application and origination in FIPS 17119, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Madison 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

477

—

Purchase share

47.4%

226 loans

IRRRL refinances

188

Cash-out refinances

63

2026477—22618863
2025591—36413790
2024422—3164660
2023413—349559
2022——447105143
20211,286—478694114
2020937—377452108
2019518—31287119
2018537—33042165
2017620—350144126
2016591—325163103
2015500—261137102

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 Madison 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

Madison 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

323

+2.9% vs 2024

Multifamily · 2025

112

+115.4% vs 2024

Total authorized · 2025

435

+18.9% vs 2024

Permit valuation · 2025

$117.2M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025435 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 Madison County, showing population movement and wealth transfer.

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

inflow2223St. Clair County, IL1,1462,126$59.2M
outflow2223St. Clair County, IL9831,764$44.6M
outflow2223Other flows - South, DS8811,543$71.6M
inflow2223Other flows - South, DS7121,277$47.1M
outflow2223St. Louis County, MO563877$35.0M
inflow2223St. Louis County, MO555944$30.9M
outflow2223Other flows - Midwest, DS499780$28.3M
inflow2223Other flows - Midwest, DS487820$27.8M
outflow2223St. Louis city, MO295389$14.1M
outflow2223Macoupin County, IL293489$14.6M
outflow2223Other flows - West, DS290440$20.7M
inflow2223Other flows - West, DS280473$18.3M
inflow2223Macoupin County, IL275433$13.0M
inflow2223St. Louis city, MO273405$15.2M
outflow2223St. Charles County, MO205323$15.6M
inflow2223Jersey County, IL203302$9.3M
inflow2223St. Charles County, MO182264$10.8M
outflow2223Jersey County, IL181322$9.6M
inflow2223Clinton County, IL118185$8.1M
outflow2223Clinton County, IL101180$5.9M
inflow2223Jefferson County, MO94152$4.6M
inflow2223Sangamon County, IL93128$6.0M
outflow2223Bond County, IL87142$4.9M
outflow2223Other flows - Northeast, DS87132$5.1M
inflow2223Bond County, IL86137$3.8M
inflow2223Cook County, IL85116$5.1M
outflow2223Cook County, IL7799$3.4M
outflow2223Jefferson County, MO73111$4.3M
inflow2223Other flows - Northeast, DS70108$6.5M
outflow2223Sangamon County, IL6582$2.4M
outflow2223Montgomery County, IL4480$2.2M
inflow2223Montgomery County, IL4158$2.1M
inflow2223Greene County, IL3761$1.6M
outflow2223Maricopa County, AZ3552$2.0M
inflow2223Monroe County, IL3447$1.7M
outflow2223Monroe County, IL3459$2.6M
outflow2223Harris County, TX3260$2.7M
inflow2223Maricopa County, AZ3246$3.3M
inflow2223Franklin County, MO2848$1.0M
inflow2223Champaign County, IL2741$2.2M
outflow2223Boone County, MO2642$1.3M
inflow2223Jackson County, IL2643$764K
inflow2223San Diego County, CA2651$1.5M
inflow2223Foreign - Other flows, FR2551$2.3M
outflow2223Foreign - Other flows, FR2545$1.3M
inflow2223Fayette County, IL2539$1.5M
inflow2223Macon County, IL2548$1.4M
inflow2223Williamson County, IL2427$890K
outflow2223Lee County, FL2334$2.5M
inflow2223Will County, IL2333$829K
inflow2223Boone County, MO2340$1.1M
inflow2223Marion County, IL2231$1.0M
outflow2223Marion County, IL2132$1.0M
inflow2223Jefferson County, IL2128$745K
outflow2223Greene County, MO2126$1.1M
inflow2223DuPage County, IL2129$1.4M
outflow2223Jackson County, IL2027$1.0M
inflow2223Randolph County, IL2038$749K
inflow2223Washington County, IL2026$1.1M
inflow2223Clark County, NV2045$1.2M
outflow2223Champaign County, IL2029$1.2M
inflow2122Foreign - Other flows, FR———
inflow2122St. Clair County, IL1,1252,065$51.0M
outflow2122St. Clair County, IL1,0171,856$44.4M
outflow2122Other flows - South, DS8391,559$66.1M
inflow2122Other flows - South, DS7141,301$44.3M
inflow2122St. Louis County, MO537914$30.3M
outflow2122St. Louis County, MO533840$37.8M
inflow2122Other flows - Midwest, DS506872$29.1M
outflow2122Other flows - Midwest, DS498894$32.8M
inflow2122St. Louis city, MO329503$14.1M
outflow2122Macoupin County, IL301553$15.8M
outflow2122St. Louis city, MO293368$15.3M
inflow2122Macoupin County, IL276466$14.5M
inflow2122Other flows - West, DS274513$17.7M
outflow2122Other flows - West, DS251456$20.0M
outflow2122St. Charles County, MO240366$18.1M
inflow2122Jersey County, IL210357$11.0M
outflow2122Jersey County, IL193338$12.2M
inflow2122St. Charles County, MO165259$8.6M
outflow2122Jefferson County, MO106227$6.6M
outflow2122Bond County, IL104191$5.0M
inflow2122Clinton County, IL100177$4.9M
inflow2122Cook County, IL94166$5.6M
outflow2122Clinton County, IL93156$5.5M
outflow2122Other flows - Northeast, DS90134$5.7M
outflow2122Cook County, IL84119$4.8M
inflow2122Bond County, IL81137$3.8M
inflow2122Jefferson County, MO79134$4.0M
inflow2122Sangamon County, IL74121$4.6M
inflow2122Other flows - Northeast, DS69120$4.5M
inflow2122Montgomery County, IL6395$3.2M
outflow2122Sangamon County, IL62106$2.9M
inflow2122Monroe County, IL4666$2.7M
outflow2122Monroe County, IL4582$3.2M
outflow2122Montgomery County, IL3765$2.1M
outflow2122Maricopa County, AZ3649$4.1M
inflow2122San Diego County, CA3153$1.7M
inflow2122Greene County, IL3053$1.0M
inflow2122Jackson County, IL2939$1.4M
inflow2122Macon County, IL2844$1.7M
inflow2122Champaign County, IL2846$1.6M
outflow2122Lee County, FL2855$11.4M
inflow2122Los Angeles County, CA2739$1.3M
outflow2122Greene County, IL2756$1.2M
inflow2122Marion County, IL2636$957K
inflow2122McLean County, IL2641$2.1M
inflow2122Maricopa County, AZ2651$1.5M
inflow2122Peoria County, IL2535$1.1M
inflow2122Harris County, TX2548$2.2M
outflow2122Franklin County, MO2548$1.1M
outflow2122Hillsborough County, FL2443$1.7M
outflow2122Champaign County, IL2439$942K
outflow2122Dallas County, TX2435$1.9M
inflow2122Jefferson County, IL2331$721K
outflow2122Clark County, NV2237$1.3M
outflow2122Marion County, IL2230$696K
outflow2122Bexar County, TX2232$1.1M
outflow2122Foreign - Other flows, FR2147$1.7M
inflow2122DuPage County, IL2137$2.6M
inflow2122Franklin County, IL2134$652K
outflow2122Boone County, MO2133$907K
outflow2122Fayette County, IL2032$1.1M
outflow2122Los Angeles County, CA2036$1.0M
outflow2122Lincoln County, MO2034$1.2M
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
inflow2021St. Clair County, IL1,1872,230$54.7M
outflow2021St. Clair County, IL1,0541,879$48.0M
outflow2021Other flows - South, DS8621,626$61.8M
inflow2021Other flows - South, DS6781,221$37.5M
inflow2021St. Louis County, MO550934$29.8M
outflow2021Other flows - Midwest, DS540963$31.3M
outflow2021St. Louis County, MO520794$28.0M
inflow2021Other flows - Midwest, DS480879$23.3M
inflow2021Other flows - West, DS335615$24.9M
inflow2021St. Louis city, MO320483$15.5M
outflow2021Macoupin County, IL311560$18.9M
outflow2021St. Louis city, MO304419$13.8M
inflow2021Macoupin County, IL284479$12.0M
outflow2021Other flows - West, DS236394$13.4M
outflow2021Jersey County, IL223433$14.3M
outflow2021St. Charles County, MO207346$14.5M
inflow2021Jersey County, IL196336$11.3M
inflow2021St. Charles County, MO159251$8.3M
inflow2021Bond County, IL116182$5.0M
outflow2021Clinton County, IL115212$6.2M
inflow2021Clinton County, IL100180$6.5M
outflow2021Bond County, IL96154$4.9M
inflow2021Cook County, IL90143$5.7M
inflow2021Other flows - Northeast, DS80125$6.6M
outflow2021Jefferson County, MO78141$5.3M
outflow2021Cook County, IL77108$3.4M
inflow2021Jefferson County, MO76132$3.5M
inflow2021Sangamon County, IL70124$3.9M
outflow2021Montgomery County, IL6398$2.2M
outflow2021Sangamon County, IL5895$2.6M
inflow2021Montgomery County, IL57102$2.5M
outflow2021Monroe County, IL5489$3.0M
outflow2021Other flows - Northeast, DS4981$3.1M
outflow2021Maricopa County, AZ4167$3.4M
inflow2021Maricopa County, AZ3864$2.1M
outflow2021Lee County, FL3559$5.4M
inflow2021Monroe County, IL3356$2.1M
outflow2021Franklin County, MO3366$2.2M
outflow2021Champaign County, IL3345$1.3M
inflow2021DuPage County, IL3146$1.8M
outflow2021Harris County, TX2956$1.8M
outflow2021Randolph County, IL2837$792K
outflow2021Marion County, IL2840$562K
inflow2021Williamson County, IL2738$1.2M
inflow2021Greene County, IL2637$907K
outflow2021Pinellas County, FL2640$1.9M
outflow2021Hillsborough County, FL2539$961K
outflow2021Jackson County, IL2533$859K
inflow2021Boone County, MO2532$1.0M
outflow2021Greene County, IL2450$1.2M
inflow2021Macon County, IL2442$1.6M
inflow2021Will County, IL2332$1.4M
outflow2021Peoria County, IL2235$1.0M
outflow2021St. Francois County, MO2236$1.1M
inflow2021Clark County, NV2237$1.0M
outflow2021Clark County, NV2033$611K
outflow2021Washington County, IL2032$898K
outflow2021Macon County, IL2042$684K
outflow2021Jefferson County, IL2025$551K
outflow2021San Diego County, CA2037$817K
inflow2021Jackson County, IL2039$1.5M
inflow2021Marion County, IN2040$812K
outflow2021Williamson County, IL2037$2.1M
inflow1920Foreign - Other flows, FR———
inflow1920St. Clair County, IL1,1092,167$51.3M
outflow1920St. Clair County, IL1,0592,019$45.0M
outflow1920Other flows - South, DS8581,687$68.5M
inflow1920Other flows - South, DS6111,292$36.1M
outflow1920St. Louis County, MO557925$28.6M
inflow1920St. Louis County, MO533952$31.1M
outflow1920Other flows - Midwest, DS476901$28.4M
inflow1920Other flows - Midwest, DS430746$22.1M
outflow1920St. Louis city, MO341465$16.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Madison County.

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

2023PurchaseNo CharacteristicAll Appraisals2,238.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals620.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals2,858.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals185,500.0
2023BothNo CharacteristicAll Appraisals180,000.0
2023PurchaseNo CharacteristicAll Appraisals178,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals175,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals174,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,129.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals180,000.0
2022BothNo CharacteristicAll Appraisals3,762.0
2022PurchaseNo CharacteristicAll Appraisals2,633.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals200,000.0
2021BothNo CharacteristicAll Appraisals5,952.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals3,230.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals2,722.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals180,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals167,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals6,609.0
2020PurchaseNo CharacteristicAll Appraisals2,941.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals196,000.0
2020RefinanceNo CharacteristicAll Appraisals227,000.0
2020RefinanceNo CharacteristicAll Appraisals3,668.0
2020PurchaseNo CharacteristicAll Appraisals162,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals175,000.0
2019PurchaseNo CharacteristicAll Appraisals2,482.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals210,000.0
2019BothNo CharacteristicAll Appraisals4,072.0
2019RefinanceNo CharacteristicAll Appraisals1,590.0
2019PurchaseNo CharacteristicAll Appraisals155,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals173,000.0
2018BothNo CharacteristicAll Appraisals3,121.0
2018PurchaseNo CharacteristicAll Appraisals2,194.0
2018RefinanceNo CharacteristicAll Appraisals927.0
2018BothNo CharacteristicAll Appraisals154,000.0
2018PurchaseNo CharacteristicAll Appraisals147,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals178,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals3,423.0
2017PurchaseNo CharacteristicAll Appraisals2,195.0
2017PurchaseNo CharacteristicAll Appraisals147,500.0
2017RefinanceNo CharacteristicAll Appraisals1,228.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals1,882.0
2016RefinanceNo CharacteristicAll Appraisals196,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals148,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals170,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals3,597.0
2016RefinanceNo CharacteristicAll Appraisals1,715.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals146,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals173,500.0
2015BothNo CharacteristicAll Appraisals3,255.0
2015RefinanceNo CharacteristicAll Appraisals1,442.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals1,813.0
2015BothNo CharacteristicAll Appraisals157,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals153,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05130,080125,0675,0133.9%
2026-04130,629125,7704,8593.7%
2026-03132,134126,2265,9084.5%
2026-02131,011124,9626,0494.6%
2026-01130,471124,6815,7904.4%
2025-12129,811123,9145,8974.5%
2025-11130,912124,8916,0214.6%
2025-09131,779126,3525,4274.1%
2025-08131,974126,1715,8034.4%
2025-07134,418128,4915,9274.4%
2025-06133,909128,6675,2423.9%
2025-05131,979127,5024,4773.4%
2025-04133,498129,3294,1693.1%
2025-03132,250127,5804,6703.5%
2025-02131,646126,7314,9153.7%
2025-01131,514126,3865,1283.9%
2024-12133,619129,1524,4673.3%
2024-11133,567128,7634,8043.6%
2024-10134,651129,6395,0123.7%
2024-09134,351129,1335,2183.9%
2024-08134,669128,6106,0594.5%
2024-07137,689130,8216,8685.0%
2024-06136,791130,1896,6024.8%
2024-05134,982129,3405,6424.2%
2024-04134,052128,7235,3294.0%
2024-03134,447128,4196,0284.5%
2024-02134,248127,9096,3394.7%
2024-01133,698127,3246,3744.8%
2023-12134,888129,0385,8504.3%
2023-11135,834130,3335,5014.0%
2023-10135,482129,7445,7384.2%
2023-09135,437129,4505,9874.4%
2023-08135,806129,2056,6014.9%
2023-07136,284129,9016,3834.7%
2023-06135,212129,2505,9624.4%
2023-05133,076128,0964,9803.7%
2023-04132,935128,3444,5913.5%
2023-03132,255127,4414,8143.6%
2023-02131,725126,4735,2524.0%
2023-01131,067125,5905,4774.2%
2022-12132,005127,3624,6433.5%
2022-11131,879127,0084,8713.7%
2022-10131,915126,9314,9843.8%
2022-09132,017127,1724,8453.7%
2022-08133,059127,5575,5024.1%
2022-07135,373129,6965,6774.2%
2022-06134,534129,1455,3894.0%
2022-05132,378127,4864,8923.7%
2022-04132,155127,1874,9683.8%
2022-03133,037127,9405,0973.8%
2022-02132,449127,0185,4314.1%
2022-01132,393126,3936,0004.5%
2021-12132,518127,5304,9883.8%
2021-11133,850128,7845,0663.8%
2021-10132,392126,8905,5024.2%
2021-09132,698126,8185,8804.4%
2021-08133,001125,8027,1995.4%
2021-07135,041127,3987,6435.7%
2021-06134,585127,1227,4635.5%
2021-05132,399126,0846,3154.8%
2021-04132,841126,2006,6415.0%
2021-03132,883125,7457,1385.4%
2021-02132,822125,4807,3425.5%
2021-01133,113125,0788,0356.0%
2020-12134,199126,0378,1626.1%
2020-11134,374126,8737,5015.6%
2020-10134,592126,7687,8245.8%
2020-09133,341123,5229,8197.4%
2020-08134,159123,53810,6217.9%
2020-07133,697120,15413,54310.1%
2020-06133,881118,87115,01011.2%
2020-05128,538112,35616,18212.6%
2020-04123,265104,97318,29214.8%
2020-03126,945122,5594,3863.5%
2020-02134,452130,3944,0583.0%
2020-01134,730130,1954,5353.4%
2019-12135,529131,3814,1483.1%
2019-11136,806132,7204,0863.0%
2019-10137,197132,7634,4343.2%
2019-09137,145132,4324,7133.4%
2019-08136,296131,2685,0283.7%
2019-07138,229132,6745,5554.0%
2019-06137,149131,8385,3113.9%
2019-05135,826131,3864,4403.3%
2019-04136,026130,9955,0313.7%
2019-03135,809129,7176,0924.5%
2019-02136,545130,0846,4614.7%
2019-01135,930128,4977,4335.5%
2018-12136,260129,8356,4254.7%
2018-11136,730130,9785,7524.2%
2018-10137,297131,2286,0694.4%
2018-09136,645130,6675,9784.4%
2018-08135,469129,0206,4494.8%
2018-07137,542130,7336,8095.0%
2018-06137,675130,7266,9495.0%
2018-05136,346130,4685,8784.3%
2018-04135,965130,4145,5514.1%
2018-03136,407130,1536,2544.6%
2018-02135,617129,4326,1854.6%
2018-01135,304128,8016,5034.8%

BEA Personal Income

2024$16.49B263,017$63K
2023$15.84B263,442$60K
2022$14.92B263,981$57K
2021$14.68B265,001$55K
2020$13.56B265,749$51K
2019$12.70B266,250$48K
2018$12.15B266,837$46K
2017$11.69B267,586$44K
2016$11.32B267,558$42K
2015$11.16B267,610$42K
2014$10.75B267,875$40K
2013$10.38B268,268$39K
2012$10.32B268,766$38K
2011$10.18B269,023$38K
2010$9.91B269,386$37K
2009$9.58B268,978$36K
2008$9.66B268,232$36K
2007$9.06B267,382$34K
2006$8.73B266,164$33K
2005$8.33B264,759$31K
2004$8.01B263,722$30K
2003$7.82B262,566$30K
2002$7.54B261,130$29K
2001$7.29B260,343$28K
2000$6.90B259,204$27K
1999$6.60B258,739$25K
1998$6.37B258,700$25K
1997$6.15B258,533$24K
1996$5.84B257,218$23K
1995$5.59B256,665$22K
1994$5.31B255,580$21K
1993$5.09B254,434$20K
1992$4.92B253,201$19K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-12-28$0$0$0Yes
2025-05-15$0$0$0No
2025-04-05$690.42$690.42$0Yes
2025-04-05$0——No
2024-11-08$2K$2K$0Yes
2024-11-05$9K$9K$0Yes
2024-11-05$1K$1K$0Yes
2024-11-05$4K$4K$0Yes
2024-11-05$1K$1K$0Yes
2024-11-04$0$0$0Yes
2024-05-04$0$0$0No
2023-07-29$0$0$0Yes
2023-07-29$21K$21K$0Yes
2023-07-01$27K$27K$0No
2023-05-15$3K$3K$0Yes
2023-03-04$2K$2K$0Yes
2023-02-23$0$0$0Yes
2023-01-20$0$0$0Yes
2022-07-26$0$0$0No
2022-03-31$4K$4K$0Yes
2021-12-26$5K$4K$1KYes
2021-01-30$0——Yes
2020-08-09$35K$32K$3KYes
2020-08-09$233K$151K$82KYes
2020-08-09$38K$38K$0Yes
2020-06-30$25K$25K$261.71Yes
2020-01-10$0$0$0Yes
2019-08-13$3K$3K$0Yes
2019-08-12$14K$13K$913.69Yes
2019-08-12$0——Yes
2019-08-12$15K$15K$0Yes
2019-08-12$5K$5K$0Yes
2019-08-12$28K$28K$554.01Yes
2019-08-12$13K$12K$534.62Yes
2019-08-12$24K$24K$0Yes
2019-08-12$0$0$0Yes
2019-08-12$3K$3K$0Yes
2019-08-12$9K$9K$0Yes
2019-08-12$7K$7K$0No
2019-08-12$8K$8K$0Yes
2019-08-12$7K$7K$0Yes
2019-08-12$18K$18K$0Yes
2019-08-12$4K$4K$0Yes
2019-08-12$120K$105K$15KYes
2019-08-12$6K$6K$0Yes
2019-08-12$53K$53K$650.39Yes
2019-08-12$11K$11K$0Yes
2019-08-12$4K$4K$93.7Yes
2019-08-12$18K$18K$0Yes
2019-08-12$7K$6K$841.65Yes
2019-08-12$5K$5K$0Yes
2019-08-12$2K$2K$0Yes
2019-08-12$5K$5K$0Yes
2019-08-12$54K$24K$0Yes
2019-08-12$2K$2K$0Yes
2019-08-12$0——Yes
2019-08-12$13K$13K$0No
2019-08-12$10K$10K$0No
2019-08-12$3K$3K$0No
2019-08-12$0——No
2019-08-11$11K$11K$0Yes
2019-08-11$4K$4K$0Yes
2019-08-11$7K$7K$0Yes
2019-08-11$21K$18K$4KYes
2019-07-22$1K$1K$0Yes
2019-07-21$8K$8K$0Yes
2019-07-15$0——No
2019-06-24$70K$33K$8KNo
2019-06-09$19K$18K$1KNo
2019-06-07$1K$1K$0No
2019-06-05$5K$5K$0Yes
2019-06-01$635K$135K$500KNo
2019-05-28$3K$3K$0No
2019-05-11$0$0$0No
2019-05-11$2K$2K$0No
2019-05-08$285K$185K$100KYes
2019-05-06$2K$2K$0No
2019-05-06$11K$11K$0No
2019-05-06$24K$24K$0No
2019-05-02$5K$5K$0No
2019-05-01$9K$9K$0Yes
2019-04-30$466.52$466.52$0Yes
2019-04-03$16K$16K$0No
2019-04-01$0——Yes
2019-03-30$8K$8K$0Yes
2018-06-28$5K$5K$0Yes
2017-05-05$443.1$443.1$0Yes
2017-05-05$0——Yes
2017-05-05$0——Yes
2017-05-04$0——Yes
2017-05-03$0——Yes
2017-05-03$7K$7K$0No
2017-05-03$7K$7K$0No
2017-05-03$13K$13K$0No
2017-05-03$2K$2K$0Yes
2017-05-03$12K$12K$0No
2017-04-30$2K$2K$0No
2017-04-30$11K$11K$0Yes
2017-04-29$0——Yes
2017-04-29$0——Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN MADISON COUNTY →Opens the loan explorer already filtered to county FIPS 17119.

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