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State markets/Illinois/Sangamon County

COUNTY MORTGAGE MARKET · FIPS 17167

Sangamon County, Illinois

Who lends in Sangamon 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

$781.4M

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

Originations · 2025

4,516

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

Denial rate · 2025

13.2%

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

Lenders active · 2025

261

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

Concentration (HHI)

508

unconcentrated

Top-5 lender share

40.6%

of originations

Purchase

69.5%

2,690 loans

Refinance

30.5%

1,182 loans

Origination trend

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

Lenders in Sangamon 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 Sangamon 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 SANGAMON COUNTY →

TOP TEN LENDERS IN SANGAMON 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.

576$113.2M$113.2M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
409$85.1M$85.1M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
424$53.5M$53.5M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
311$37.3M$37.3M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
191$28.2M$28.2M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
246$27.7M$27.7M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
160$25.5M$25.5M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
190$24.1M$24.1M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
91$21.3M$21.3M originated in Sangamon County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
116$20.1M$20.1M originated in Sangamon 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 Sangamon County

All 30 ZIP Code Tabulation Areas that touch Sangamon County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
30 OF 30 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1212 of the 13 Sangamon County tracts this ZIP area touches sit mostly inside it.38,93128.1%11,336——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 18 Sangamon County tracts this ZIP area touches sit mostly inside it.34,08531.3%9,645——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Sangamon County tracts this ZIP area touches sit mostly inside it.23,06151.7%5,689——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 11 Sangamon County tracts this ZIP area touches sit mostly inside it.16,25121.1%4,456——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.11,3808.9%3,501——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.10,86810.7%3,724——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Sangamon County tracts this ZIP area touches sit mostly inside it.10,17717.9%2,705——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.9,2788.2%3,281——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 7 Sangamon County tracts this ZIP area touches sit mostly inside it.7,51811.0%3,018——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 13 Sangamon County tracts this ZIP area touches sit mostly inside it.6,07613.4%2,213——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Sangamon County tracts this ZIP area touches sit mostly inside it.5,9307.5%1,976——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.5,8649.4%2,013——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.4,5756.1%1,302——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Sangamon County tract this ZIP area touches sit mostly inside it.4,2346.8%1,502——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Sangamon County tract this ZIP area touches sit mostly inside it.4,2125.8%1,479——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.2,7206.3%993——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Sangamon County tracts this ZIP area touches sit mostly inside it.1,18344.4%28——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Sangamon 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 Sangamon 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 Sangamon 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 Sangamon 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 Sangamon 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 Sangamon 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 Sangamon 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 Sangamon County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Sangamon 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 Sangamon County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Sangamon 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 Sangamon 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 Sangamon 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.

54 of Sangamon County’s 54 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 Sangamon County

All 54 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.

54 OF 54 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle88.0%3,51713.6%OPEN →
Middle84.8%2,29621.2%OPEN →
Moderate57.1%3,33035.6%OPEN →
Moderate72.1%2,40536.0%OPEN →
Moderate77.0%2,64026.7%OPEN →
Middle104.6%2,13019.6%OPEN →
Moderate68.0%3,66725.9%OPEN →
Middle86.4%2,80223.4%OPEN →
Low44.8%4,79124.7%OPEN →
Low48.2%2,07725.5%OPEN →
Low31.8%1,88971.9%OPEN →
Low31.8%2,18348.9%OPEN →
Upper133.7%2,15122.6%OPEN →
Middle108.5%1,37724.6%OPEN →
Middle101.6%4,72933.4%OPEN →
Moderate67.9%2,35817.6%OPEN →
Moderate79.2%3,37727.0%OPEN →
Moderate56.8%1,72445.6%OPEN →
Low30.9%1,18344.4%OPEN →
Low38.2%2,93079.7%OPEN →
Moderate72.9%1,98242.0%OPEN →
Moderate51.8%3,06640.5%OPEN →
Upper133.2%3,71115.7%OPEN →
Upper124.9%2,45016.9%OPEN →
Upper123.7%3,58216.4%OPEN →
Middle88.8%3,21220.3%OPEN →
Low41.7%2,18458.1%OPEN →
Low42.8%3,31072.9%OPEN →
Moderate75.5%5,10439.2%OPEN →
Moderate61.7%2,51435.8%OPEN →
Moderate67.5%3,04420.5%OPEN →
Moderate72.7%2,97433.3%OPEN →
Low36.2%3,17459.5%OPEN →
Middle102.6%4,92127.2%OPEN →
Middle100.2%5,79829.6%OPEN →
Upper137.5%7,51811.0%OPEN →
Upper137.8%5,12519.2%OPEN →
Upper123.3%5,05216.6%OPEN →
Upper141.8%6,53510.8%OPEN →
Middle90.8%4,8456.4%OPEN →
Middle119.4%5,9307.5%OPEN →
Middle95.4%5,1756.2%OPEN →
Upper128.6%2,7206.3%OPEN →
Upper135.6%4,70310.4%OPEN →
Upper154.2%5,69314.7%OPEN →
Upper168.5%5,75021.3%OPEN →
Upper152.3%4,5756.1%OPEN →
Upper160.7%4,2346.8%OPEN →
Moderate68.1%2,55913.0%OPEN →
Middle85.8%5,8649.4%OPEN →
Upper128.9%5,3258.1%OPEN →
Upper125.6%3,9538.3%OPEN →
Middle104.6%4,2125.8%OPEN →
Low34.4%1,99377.8%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

194,947

Median household income

$75,357

Median home value

$176,300

Median gross rent

$983

per month

Owner-occupied

71.3%

of occupied units

Housing units

93,382

9.2% vacant

Poverty rate

13.1%

Unemployment

5.4%

Natural-hazard exposure

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

Overall risk

Relatively Moderate

score 91.7

Social vulnerability

Relatively Low

Community resilience

Very High

ELEVATED PERILS

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

62

Declarations recorded

12

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

Everything we hold on Sangamon 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 Sangamon County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Sangamon County →Every reported application and origination in FIPS 17167, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Sangamon 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

249

—

Purchase share

42.6%

106 loans

IRRRL refinances

111

Cash-out refinances

32

2026249—10611132
2025271—1805932
2024226—1602640
2023191—148439
2022——2196560
2021653—23637146
2020590—23831141
2019315—2254248
2018329—2013890
2017415—23110084
2016410—24610163
2015347—1899662

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 Sangamon 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

Sangamon 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

180

+46.3% vs 2024

Multifamily · 2025

44

−35.3% vs 2024

Total authorized · 2025

224

+17.3% vs 2024

Permit valuation · 2025

$77.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025224 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 Sangamon County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS8111,385$70.7M
inflow2223Other flows - South, DS6211,036$36.2M
outflow2223Other flows - Midwest, DS491837$38.1M
inflow2223Other flows - Midwest, DS433708$26.6M
outflow2223Other flows - West, DS256392$19.5M
inflow2223Other flows - West, DS253390$17.5M
outflow2223Cook County, IL246366$13.9M
inflow2223Cook County, IL215366$10.2M
outflow2223Christian County, IL160285$9.3M
inflow2223Morgan County, IL158246$7.3M
inflow2223Menard County, IL145235$8.1M
outflow2223Menard County, IL144270$7.9M
inflow2223Christian County, IL144247$12.3M
inflow2223Macoupin County, IL134231$6.9M
outflow2223Macoupin County, IL131219$6.4M
inflow2223Macon County, IL130218$7.3M
outflow2223Macon County, IL119199$5.4M
outflow2223Morgan County, IL118204$5.7M
outflow2223Logan County, IL100156$5.0M
outflow2223Madison County, IL93128$6.0M
inflow2223Logan County, IL91144$5.0M
outflow2223McLean County, IL88115$4.9M
inflow2223McLean County, IL82106$4.1M
inflow2223Other flows - Northeast, DS82129$7.3M
outflow2223Other flows - Northeast, DS80111$5.5M
inflow2223Champaign County, IL79121$4.0M
outflow2223Peoria County, IL75118$4.6M
outflow2223St. Louis County, MO7397$6.0M
outflow2223Champaign County, IL6992$4.6M
inflow2223Madison County, IL6582$2.4M
inflow2223Peoria County, IL6190$3.3M
outflow2223St. Louis city, MO5459$3.8M
outflow2223Maricopa County, AZ5478$5.4M
outflow2223St. Clair County, IL54101$4.8M
inflow2223Montgomery County, IL5175$2.7M
inflow2223Cass County, IL5081$2.3M
inflow2223Will County, IL4582$1.9M
outflow2223Tazewell County, IL4279$2.4M
inflow2223St. Louis County, MO4280$2.6M
inflow2223Tazewell County, IL4255$2.0M
outflow2223Cass County, IL4168$2.1M
outflow2223Montgomery County, IL4063$2.1M
outflow2223DuPage County, IL3860$2.6M
inflow2223Maricopa County, AZ3758$2.4M
inflow2223DuPage County, IL3762$2.4M
inflow2223St. Louis city, MO3756$3.3M
inflow2223St. Clair County, IL3252$1.4M
inflow2223Jackson County, IL3149$1.0M
outflow2223St. Charles County, MO2957$2.2M
outflow2223Harris County, TX2650$2.5M
outflow2223Boone County, MO2537$1.4M
outflow2223Will County, IL2447$1.2M
inflow2223Adams County, IL2435$1.6M
inflow2223Mason County, IL2344$1.1M
inflow2223Harris County, TX2336$1.2M
outflow2223Foreign - Other flows, FR2353$3.2M
inflow2223McDonough County, IL2233$951K
outflow2223Clark County, NV2230$980K
inflow2223Clark County, NV2139$1.4M
outflow2223Dallas County, TX2030$809K
outflow2223Lee County, FL2028$2.8M
outflow2223Jackson County, IL2026$606K
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS8451,479$79.3M
inflow2122Other flows - South, DS6111,064$39.6M
outflow2122Other flows - Midwest, DS462804$34.1M
inflow2122Other flows - Midwest, DS378652$25.2M
inflow2122Cook County, IL285493$15.0M
outflow2122Other flows - West, DS272430$25.1M
outflow2122Cook County, IL246366$14.9M
inflow2122Other flows - West, DS214368$14.0M
outflow2122Menard County, IL174297$10.6M
inflow2122Macon County, IL148264$7.4M
inflow2122Menard County, IL143253$7.3M
outflow2122Macoupin County, IL139205$6.8M
inflow2122Macoupin County, IL139227$7.5M
inflow2122Morgan County, IL138236$7.6M
outflow2122Morgan County, IL127210$6.4M
outflow2122Macon County, IL126187$5.1M
inflow2122Christian County, IL123199$5.8M
outflow2122Christian County, IL114194$16.2M
inflow2122Other flows - Northeast, DS101182$7.1M
outflow2122Logan County, IL96163$6.0M
inflow2122McLean County, IL91146$4.6M
inflow2122Logan County, IL88148$6.0M
outflow2122Champaign County, IL85120$4.3M
outflow2122McLean County, IL7998$4.5M
outflow2122St. Louis County, MO77111$6.7M
outflow2122Madison County, IL74121$4.6M
outflow2122Other flows - Northeast, DS70106$5.5M
inflow2122St. Louis County, MO65101$4.8M
inflow2122Madison County, IL62106$2.9M
outflow2122Montgomery County, IL6190$2.3M
inflow2122Champaign County, IL6085$3.1M
inflow2122Peoria County, IL5989$3.0M
inflow2122Cass County, IL5788$3.1M
inflow2122Montgomery County, IL5690$2.0M
outflow2122Peoria County, IL55104$3.1M
outflow2122St. Louis city, MO5468$2.7M
inflow2122St. Louis city, MO5072$4.2M
outflow2122Maricopa County, AZ5083$6.5M
outflow2122St. Clair County, IL4581$2.7M
outflow2122Lee County, FL4372$4.6M
inflow2122Will County, IL3956$2.0M
outflow2122Cass County, IL3858$1.7M
outflow2122DuPage County, IL3857$2.5M
outflow2122Adams County, IL3764$2.3M
inflow2122DuPage County, IL3761$2.9M
outflow2122St. Charles County, MO3760$2.9M
inflow2122Maricopa County, AZ3654$2.4M
inflow2122St. Clair County, IL3570$2.3M
outflow2122Tazewell County, IL3253$2.6M
inflow2122Jackson County, IL3137$758K
inflow2122Adams County, IL2952$1.8M
outflow2122Marion County, IN2741$766K
outflow2122Will County, IL2648$1.4M
outflow2122Boone County, MO2537$704K
outflow2122Kankakee County, IL2528$167K
inflow2122Los Angeles County, CA2433$1.1M
inflow2122Tazewell County, IL2432$1.5M
outflow2122Collin County, TX2355$2.3M
outflow2122Clark County, NV2340$1.2M
outflow2122Hillsborough County, FL2245$3.4M
inflow2122Mason County, IL2133$1.4M
outflow2122Davidson County, TN2134$2.0M
outflow2122Dane County, WI2030$1.3M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS7651,339$54.6M
inflow2021Other flows - South, DS5961,030$34.0M
outflow2021Other flows - Midwest, DS467840$34.5M
inflow2021Other flows - Midwest, DS376662$22.0M
outflow2021Other flows - West, DS311521$24.0M
inflow2021Cook County, IL282473$13.2M
outflow2021Cook County, IL229386$11.8M
inflow2021Other flows - West, DS228384$13.5M
outflow2021Menard County, IL180326$10.3M
inflow2021Menard County, IL163291$9.0M
inflow2021Morgan County, IL155250$7.2M
outflow2021Christian County, IL144249$6.6M
inflow2021Christian County, IL139241$7.2M
outflow2021Macon County, IL138257$7.1M
inflow2021Macon County, IL138235$8.9M
inflow2021Macoupin County, IL134252$5.5M
outflow2021Macoupin County, IL120206$6.1M
outflow2021Morgan County, IL110184$5.2M
inflow2021Other flows - Northeast, DS96161$7.5M
inflow2021Logan County, IL95154$4.0M
outflow2021Logan County, IL89155$4.7M
outflow2021McLean County, IL82122$4.4M
inflow2021McLean County, IL82126$5.2M
outflow2021Other flows - Northeast, DS77112$7.1M
outflow2021Montgomery County, IL75120$3.5M
outflow2021Madison County, IL70124$3.9M
inflow2021Champaign County, IL70120$3.3M
outflow2021St. Louis County, MO68131$5.8M
inflow2021Peoria County, IL6692$2.6M
outflow2021St. Louis city, MO6375$3.3M
inflow2021Montgomery County, IL61102$3.3M
outflow2021Champaign County, IL5985$2.7M
inflow2021St. Louis County, MO58105$2.5M
outflow2021Lee County, FL58113$8.2M
inflow2021Madison County, IL5895$2.6M
inflow2021Cass County, IL5789$2.1M
outflow2021Peoria County, IL5589$2.5M
outflow2021Maricopa County, AZ5489$5.9M
outflow2021Cass County, IL4784$2.1M
inflow2021Will County, IL4685$2.0M
outflow2021St. Clair County, IL4371$2.1M
outflow2021Will County, IL4270$1.7M
inflow2021St. Louis city, MO4068$3.1M
inflow2021Tazewell County, IL4068$2.5M
inflow2021St. Clair County, IL3957$1.6M
outflow2021St. Charles County, MO3764$2.7M
outflow2021Tazewell County, IL3366$1.9M
inflow2021DuPage County, IL3360$2.2M
outflow2021DuPage County, IL3341$1.8M
inflow2021Jackson County, IL3242$1.2M
inflow2021Maricopa County, AZ3152$1.8M
inflow2021Adams County, IL2936$1.4M
outflow2021Adams County, IL2637$929K
outflow2021Marion County, IN2642$1.0M
outflow2021Pinellas County, FL2642$1.8M
outflow2021Tarrant County, TX2653$1.1M
outflow2021Dallas County, TX2550$1.8M
outflow2021Sarasota County, FL2539$3.0M
outflow2021Harris County, TX2541$1.4M
inflow2021Coles County, IL2237$1.0M
inflow2021Mason County, IL2231$956K
inflow2021St. Charles County, MO2236$1.1M
inflow2021Lake County, IL2142$902K
outflow2021Hillsborough County, FL2038$1.3M
outflow2021Collier County, FL2037$3.8M
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS8141,481$68.2M
inflow1920Other flows - South, DS490960$30.6M
outflow1920Other flows - Midwest, DS481882$33.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Sangamon County.

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

2023PurchaseNo CharacteristicAll Appraisals1,514.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals347.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,861.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.1
2023RefinanceNo CharacteristicAll Appraisals195,000.0
2023BothNo CharacteristicAll Appraisals185,000.0
2023PurchaseNo CharacteristicAll Appraisals181,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals180,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals180,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals540.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals177,500.0
2022BothNo CharacteristicAll Appraisals2,319.0
2022PurchaseNo CharacteristicAll Appraisals1,779.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals178,000.0
2021BothNo CharacteristicAll Appraisals3,890.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,370.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals1,520.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals175,400.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals174,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals5,147.0
2020PurchaseNo CharacteristicAll Appraisals2,250.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals187,500.0
2020RefinanceNo CharacteristicAll Appraisals214,000.0
2020RefinanceNo CharacteristicAll Appraisals2,897.0
2020PurchaseNo CharacteristicAll Appraisals164,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals169,800.0
2019PurchaseNo CharacteristicAll Appraisals2,126.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals191,500.0
2019BothNo CharacteristicAll Appraisals3,288.0
2019RefinanceNo CharacteristicAll Appraisals1,162.0
2019PurchaseNo CharacteristicAll Appraisals160,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals176,000.0
2018BothNo CharacteristicAll Appraisals2,557.0
2018PurchaseNo CharacteristicAll Appraisals1,874.0
2018RefinanceNo CharacteristicAll Appraisals683.0
2018BothNo CharacteristicAll Appraisals159,000.0
2018PurchaseNo CharacteristicAll Appraisals153,300.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals162,800.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals2,725.0
2017PurchaseNo CharacteristicAll Appraisals1,741.0
2017PurchaseNo CharacteristicAll Appraisals157,000.0
2017RefinanceNo CharacteristicAll Appraisals984.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals1,781.0
2016RefinanceNo CharacteristicAll Appraisals188,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals170,800.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals3,394.0
2016RefinanceNo CharacteristicAll Appraisals1,613.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals150,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals170,500.0
2015BothNo CharacteristicAll Appraisals3,203.0
2015RefinanceNo CharacteristicAll Appraisals1,356.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,847.0
2015BothNo CharacteristicAll Appraisals158,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals152,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0590,50986,6583,8514.3%
2026-0491,06387,3223,7414.1%
2026-0392,85188,0544,7975.2%
2026-0292,32287,3944,9285.3%
2026-0192,13387,3064,8275.2%
2025-1291,31286,5814,7315.2%
2025-1192,18887,6164,5725.0%
2025-0992,71588,5794,1364.5%
2025-0894,75490,3034,4514.7%
2025-0794,38290,0254,3574.6%
2025-0693,96490,0663,8984.1%
2025-0592,78789,3243,4633.7%
2025-0494,01390,6323,3813.6%
2025-0394,95391,0363,9174.1%
2025-0294,14789,9774,1704.4%
2025-0194,62390,2734,3504.6%
2024-1296,56492,8603,7043.8%
2024-1196,40592,6933,7123.9%
2024-1097,26293,5373,7253.8%
2024-0997,64893,8413,8073.9%
2024-0899,53295,1564,3764.4%
2024-07100,04595,3094,7364.7%
2024-0698,76494,2124,5524.6%
2024-0597,51793,6253,8924.0%
2024-0496,98093,2263,7543.9%
2024-0397,82293,4944,3284.4%
2024-0296,83992,2534,5864.7%
2024-0196,65591,8614,7945.0%
2023-1296,55992,4064,1534.3%
2023-1197,49493,7153,7793.9%
2023-1096,48392,4494,0344.2%
2023-0995,48891,1234,3654.6%
2023-0897,38692,5914,7954.9%
2023-0796,42691,8164,6104.8%
2023-0696,75792,3874,3704.5%
2023-0595,41891,6083,8104.0%
2023-0495,92692,3753,5513.7%
2023-0396,59992,5504,0494.2%
2023-0295,45690,9934,4634.7%
2023-0194,87390,3184,5554.8%
2022-1295,30691,5663,7403.9%
2022-1195,41991,6393,7804.0%
2022-1095,36991,5723,7974.0%
2022-0996,04092,2713,7693.9%
2022-0898,18193,9864,1954.3%
2022-0797,85293,6624,1904.3%
2022-0697,23393,1314,1024.2%
2022-0596,23092,3603,8704.0%
2022-0495,46391,3854,0784.3%
2022-0395,39490,9594,4354.6%
2022-0294,94190,1434,7985.1%
2022-0194,70989,5085,2015.5%
2021-1295,17390,9544,2194.4%
2021-1196,24691,9634,2834.5%
2021-1095,77091,1974,5734.8%
2021-0995,68090,7714,9095.1%
2021-0896,68990,9925,6975.9%
2021-0796,00390,2755,7286.0%
2021-0695,98689,8256,1616.4%
2021-0594,55089,2405,3105.6%
2021-0494,44188,7345,7076.0%
2021-0394,99688,8086,1886.5%
2021-0294,40288,0956,3076.7%
2021-0194,49987,3537,1467.6%
2020-1294,57787,1847,3937.8%
2020-1195,40788,6466,7617.1%
2020-1095,77889,2146,5646.9%
2020-0995,63587,7377,8988.3%
2020-0896,20187,8978,3048.6%
2020-0795,59485,49310,10110.6%
2020-0693,82982,90410,92511.6%
2020-0590,35178,22612,12513.4%
2020-0486,88473,55913,32515.3%
2020-0389,94686,4283,5183.9%
2020-0294,96591,7663,1993.4%
2020-0195,72892,1663,5623.7%
2019-1295,24891,9823,2663.4%
2019-1196,60593,5263,0793.2%
2019-1097,17893,8623,3163.4%
2019-0996,67093,1463,5243.6%
2019-0898,40394,5583,8453.9%
2019-0798,54494,5114,0334.1%
2019-0697,98094,1873,7933.9%
2019-0596,85993,5163,3433.5%
2019-0496,77492,8173,9574.1%
2019-0397,15592,2614,8945.0%
2019-0297,46292,2595,2035.3%
2019-0197,24491,4075,8376.0%
2018-1296,88291,8295,0535.2%
2018-1197,37493,1114,2634.4%
2018-1098,64194,1844,4574.5%
2018-0999,04694,6534,3934.4%
2018-08100,07895,2724,8064.8%
2018-0799,90495,1984,7064.7%
2018-0699,70394,8294,8744.9%
2018-0598,68694,6814,0054.1%
2018-0498,77494,7014,0734.1%
2018-0399,26194,4834,7784.8%
2018-0298,15893,4104,7484.8%
2018-0197,74192,8104,9315.0%

BEA Personal Income

2024$12.36B194,345$64K
2023$11.74B194,216$60K
2022$11.15B194,483$57K
2021$11.23B195,468$57K
2020$10.29B196,223$52K
2019$9.63B196,881$49K
2018$9.29B197,585$47K
2017$9.01B198,730$45K
2016$8.82B199,436$44K
2015$8.70B200,107$44K
2014$8.53B200,170$43K
2013$8.33B199,892$42K
2012$8.11B199,917$41K
2011$8.06B199,322$40K
2010$7.74B197,823$39K
2009$7.37B196,180$38K
2008$7.21B195,094$37K
2007$6.89B194,025$36K
2006$6.60B193,317$34K
2005$6.41B192,432$33K
2004$6.31B191,885$33K
2003$6.23B191,339$33K
2002$6.23B190,756$33K
2001$6.10B189,924$32K
2000$5.88B189,152$31K
1999$5.52B188,957$29K
1998$5.35B189,441$28K
1997$5.10B189,638$27K
1996$4.96B189,969$26K
1995$4.69B189,592$25K
1994$4.50B189,337$24K
1993$4.26B186,941$23K
1992$4.12B184,247$22K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-11$0——No
2026-04-27$31K$31K$0Yes
2023-05-07$179K$96K$83KYes
2022-07-09$5K$5K$0Yes
2022-05-08$0——Yes
2020-05-17$10K$9K$315.02Yes
2020-03-28$2K$2K$0Yes
2020-01-11$0——Yes
2020-01-10$37K$28K$10KYes
2019-06-22$68K$68K$0Yes
2019-06-22$4K$4K$0Yes
2019-04-14$0——Yes
2019-03-12$0——No
2016-08-12$52K$50K$2KNo
2016-08-07$795.14$795.14$0Yes
2015-12-31$15K$15K$0Yes
2015-12-30$112K$83K$29KNo
2015-12-29$0——Yes
2015-12-29$120K$90K$30KYes
2015-12-29$67K$42K$24KYes
2015-12-29$66K$66K$0No
2015-12-28$9K$9K$0Yes
2015-12-27$30K$30K$0Yes
2015-12-27$18K$18K$0Yes
2014-08-29$50K$50K$0No
2014-08-29$3K$3K$0Yes
2014-08-28$114K$114K$0No
2014-08-28$50K$50K$0Yes
2014-08-28$6K$6K$0Yes
2014-08-28$23K$23K$0Yes
2014-08-28$72K$62K$10KYes
2014-08-28$68K$68K$0No
2014-06-04$0——No
2014-06-04$19K$19K$0No
2013-06-01$4K$4K$0Yes
2013-05-27$3K$3K$787.46Yes
2013-04-20$34K$34K$0No
2011-06-19$58K$39K$18KYes
2011-06-18$10K$10K$0No
2011-06-18$60K$45K$1KNo
2011-06-18$24K$24K$0Yes
2010-09-11$566.64$566.64$0Yes
2010-09-02$0——Yes
2010-08-20$0——Yes
2010-08-20$7K$7K$0Yes
2010-06-15$179.31$179.31$0Yes
2010-05-26$10K$10K$0Yes
2010-05-26$5K$5K$0Yes
2010-05-26$12K$7K$5KYes
2008-09-25$0——Yes
2008-09-14$11K$11K$131Yes
2008-07-12$416.86$416.86$0Yes
2008-07-12$53K$26K$27KYes
2008-07-11$0——Yes
2008-06-11$10K$10K$0Yes
2008-06-10$5K$5K$0No
2008-06-09$13K$7K$6KYes
2008-06-08$4K$4K$0Yes
2008-06-08$0——No
2008-06-07$1K$1K$0Yes
2008-06-07$1K$1K$0No
2008-05-30$2K$2K$0Yes
2005-01-13$16K$12K$0No
2005-01-13$0——No
2003-05-10$1K$1K$0Yes
2003-05-01$1K$1K$0Yes
2002-06-12$0——Yes
2002-05-18$0——Yes
2002-05-14$16K$16K$0No
2002-05-13$17K$10K$6KYes
2002-05-13$1K$1K$0Yes
2002-05-13$44K$34K$10KYes
2002-05-13$17K$10K$7KYes
2002-05-13$13K$13K$0Yes
2002-05-12$56K$44K$12KYes
2002-05-12$5K$5K$0Yes
2002-05-12$0——Yes
2002-05-12$4K$4K$0Yes
2002-05-12$25K$19K$7KYes
2002-05-12$14K$13K$758.3Yes
2002-05-12$52K$29K$5KNo
2002-05-12$0——Yes
2002-05-12$0——Yes
2002-05-12$2K$2K$0Yes
2002-05-12$42K$21K$21KYes
2002-05-12$4K$4K$0Yes
2002-05-12$76K$66K$10KYes
2002-05-12$11K$10K$1KYes
2002-05-12$0——Yes
2002-05-12$50K$55K$0Yes
2002-05-12$22K$22K$0Yes
2002-05-12$44K$44K$0Yes
2002-05-12$2K$0$2KYes
2002-05-12$4K$4K$0Yes
2002-05-12$3K$3K$0Yes
2002-05-12$0——Yes
2002-05-12$2K$2K$0Yes
2002-05-12$35K$35K$0No
2002-05-12$4K$4K$0Yes
2002-05-12$3K$3K$0Yes

ALSO CHECKED

18 more data areas were checked for Sangamon 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 SANGAMON COUNTY →Opens the loan explorer already filtered to county FIPS 17167.

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.