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State markets/Indiana/Lake County

COUNTY MORTGAGE MARKET · FIPS 18089

Lake County, Indiana

Who lends in Lake 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

$2.68B

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

Originations · 2025

12,067

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

Denial rate · 2025

17.9%

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

Lenders active · 2025

446

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

Concentration (HHI)

188

unconcentrated

Top-5 lender share

21.3%

of originations

Purchase

62.4%

6,097 loans

Refinance

37.6%

3,673 loans

Origination trend

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

Lenders in Lake 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 Lake 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 LAKE COUNTY →

TOP TEN LENDERS IN LAKE 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.

748$139.9M$139.9M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
470$123.2M$123.2M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
671$116.1M$116.1M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
416$104.3M$104.3M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
59$86.4M$86.4M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
256$84.0M$84.0M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
329$80.5M$80.5M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
390$77.6M$77.6M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
322$76.8M$76.8M originated in Lake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
295$64.5M$64.5M originated in Lake 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 Lake County

All 28 ZIP Code Tabulation Areas that touch Lake 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.
28 OF 28 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1717 of the 23 Lake County tracts this ZIP area touches sit mostly inside it.77,52323.7%22,397——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Lake County tracts this ZIP area touches sit mostly inside it.37,48571.1%9,470——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Lake County tracts this ZIP area touches sit mostly inside it.26,35294.0%4,636——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.24,28131.1%6,692——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Lake County tracts this ZIP area touches sit mostly inside it.23,98431.6%7,664——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Lake County tracts this ZIP area touches sit mostly inside it.23,89431.6%7,221——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Lake County tracts this ZIP area touches sit mostly inside it.23,24937.8%6,955——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Lake County tracts this ZIP area touches sit mostly inside it.22,65265.3%5,364——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.22,23365.2%5,681——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Lake County tracts this ZIP area touches sit mostly inside it.20,40112.6%6,003——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.19,59423.7%6,529——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.18,60725.6%5,817——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Lake County tracts this ZIP area touches sit mostly inside it.17,55368.5%4,892——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Lake County tracts this ZIP area touches sit mostly inside it.16,29842.0%3,779——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.14,70086.4%2,210——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Lake County tracts this ZIP area touches sit mostly inside it.14,04117.5%3,080——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 13 Lake County tracts this ZIP area touches sit mostly inside it.13,20898.6%3,468——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Lake County tracts this ZIP area touches sit mostly inside it.12,96117.5%4,929——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Lake County tracts this ZIP area touches sit mostly inside it.11,72553.8%3,229——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Lake County tracts this ZIP area touches sit mostly inside it.11,71982.2%2,752——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Lake County tracts this ZIP area touches sit mostly inside it.11,14675.8%2,176——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Lake County tracts this ZIP area touches sit mostly inside it.10,51087.2%1,921——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 9 Lake County tracts this ZIP area touches sit mostly inside it.10,31897.8%2,155——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Lake County tracts this ZIP area touches sit mostly inside it.7,37193.2%1,468——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Lake County tracts this ZIP area touches sit mostly inside it.5,17696.9%1,085——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Lake County tracts this ZIP area touches sit mostly inside it.1,71913.7%599——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Lake 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 Lake 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.

131 of Lake County’s 132 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Lake County

All 132 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.

132 OF 132 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle95.4%4,01367.5%OPEN →
Low42.2%2,44098.4%OPEN →
Low47.3%1,24995.4%OPEN →
Low46.4%2,33086.0%OPEN →
Low32.7%3,12690.2%OPEN →
Low38.3%3,17598.0%OPEN →
Moderate57.1%3,04896.3%OPEN →
Low38.5%2,93998.4%OPEN →
Low34.4%76498.7%OPEN →
Moderate60.8%1,15296.8%OPEN →
Moderate51.3%66898.8%OPEN →
Moderate54.9%1,57398.9%OPEN →
Low49.7%4,14898.5%OPEN →
Moderate65.6%3,88098.8%OPEN →
Low42.7%1,47997.5%OPEN →
Low25.0%1,22397.5%OPEN →
Moderate54.8%2,25093.4%OPEN →
Moderate56.3%1,88197.3%OPEN →
Low40.2%58898.5%OPEN →
Moderate57.4%1,37398.8%OPEN →
Low24.1%1,26296.1%OPEN →
Moderate50.1%70399.3%OPEN →
—0.0%53797.0%OPEN →
Low18.6%1,27298.8%OPEN →
Moderate56.5%2,27992.9%OPEN →
Moderate56.3%3,99194.0%OPEN →
Moderate63.9%4,63594.1%OPEN →
Moderate57.9%2,19492.8%OPEN →
Low48.7%2,89893.8%OPEN →
Low37.6%2,01197.1%OPEN →
Middle93.1%4,66954.4%OPEN →
Middle96.6%2,49749.3%OPEN →
Middle89.4%6,41469.9%OPEN →
Low48.4%4,73283.8%OPEN →
Moderate70.7%3,55083.5%OPEN →
Low14.9%2,00481.4%OPEN →
Moderate64.9%4,87484.2%OPEN →
Moderate53.8%4,27293.8%OPEN →
Middle90.3%4,15467.0%OPEN →
Moderate71.7%5,08166.1%OPEN →
Moderate78.1%3,13561.3%OPEN →
Middle89.3%3,66164.7%OPEN →
Moderate77.6%4,86572.2%OPEN →
Middle100.2%2,45958.5%OPEN →
Middle92.8%2,99762.2%OPEN →
Moderate73.5%4,68364.4%OPEN →
Moderate52.1%3,56864.2%OPEN →
Middle85.1%5,28664.8%OPEN →
Middle85.8%4,99666.3%OPEN →
—0.0%1,33897.5%OPEN →
Low48.4%1,09297.1%OPEN →
Low43.8%1,40295.9%OPEN →
Low47.0%2,84493.3%OPEN →
Moderate58.4%3,84592.8%OPEN →
Moderate63.1%4,81189.0%OPEN →
Moderate64.7%1,93295.1%OPEN →
Moderate67.4%3,93295.7%OPEN →
Moderate74.2%3,64795.0%OPEN →
Low44.4%1,50998.6%OPEN →
Moderate73.5%1,31853.5%OPEN →
Middle95.3%3,24156.4%OPEN →
Upper144.1%3,84132.1%OPEN →
Upper121.3%4,26736.5%OPEN →
Upper147.7%5,31727.5%OPEN →
Upper211.6%4,49335.3%OPEN →
Upper134.3%5,97628.7%OPEN →
Middle85.6%4,06145.2%OPEN →
Middle112.0%3,57634.1%OPEN →
Upper133.2%3,72629.2%OPEN →
Middle100.1%4,99328.4%OPEN →
Middle119.8%3,80924.6%OPEN →
Middle116.0%3,81928.2%OPEN →
Middle118.0%6,34324.8%OPEN →
Moderate73.6%5,34364.4%OPEN →
Middle114.0%4,50235.5%OPEN →
Low46.7%1,84738.5%OPEN →
Low39.8%2,16537.5%OPEN →
Middle80.8%2,51438.5%OPEN →
Moderate69.4%2,66633.7%OPEN →
Low35.6%1,58278.3%OPEN →
Moderate70.0%5,08641.3%OPEN →
Moderate65.8%4,77446.5%OPEN →
Middle113.0%6,43839.4%OPEN →
Middle105.0%5,03124.4%OPEN →
Middle105.6%6,92226.5%OPEN →
Moderate75.7%5,69842.3%OPEN →
Middle115.9%6,63031.3%OPEN →
Upper138.4%4,30134.0%OPEN →
Middle102.5%2,50959.7%OPEN →
Middle97.4%6,33479.3%OPEN →
Middle91.8%4,39983.8%OPEN →
Middle93.3%2,76564.5%OPEN →
Middle111.5%4,30478.4%OPEN →
Middle100.3%6,33265.4%OPEN →
Middle111.7%3,29666.6%OPEN →
Middle115.7%3,25640.3%OPEN →
Upper122.7%3,48745.7%OPEN →
Middle107.9%3,81366.8%OPEN →
Middle101.7%3,73364.3%OPEN →
Upper135.0%7,06130.8%OPEN →
Middle96.8%3,32741.9%OPEN →
Middle116.1%6,24821.3%OPEN →
Upper155.6%4,60418.6%OPEN →
Upper145.4%4,30020.0%OPEN →
Upper194.3%5,34721.6%OPEN →
Upper136.2%4,42619.8%OPEN →
—0.0%4,18415.0%OPEN →
Upper132.7%5,48228.5%OPEN →
Middle119.4%4,67527.6%OPEN →
Upper129.3%4,15025.4%OPEN →
Upper142.2%5,18319.6%OPEN →
Upper120.5%5,73825.0%OPEN →
Upper149.3%4,24731.1%OPEN →
Middle111.0%8,26914.9%OPEN →
Upper174.5%4,17318.9%OPEN →
Middle114.8%5,77221.1%OPEN →
Upper122.4%4,66316.5%OPEN →
Moderate79.2%2,55521.6%OPEN →
Moderate78.8%2,93919.7%OPEN →
Middle85.2%2,87614.8%OPEN →
Upper133.8%4,20514.8%OPEN →
Upper132.7%6,52816.6%OPEN →
Middle94.8%3,58514.6%OPEN →
Upper141.3%6,41226.0%OPEN →
Upper150.4%4,86718.1%OPEN →
Middle119.8%5,30622.7%OPEN →
Upper156.2%7,62123.9%OPEN →
Upper123.8%7,67611.6%OPEN →
Middle106.1%7,27614.3%OPEN →
Middle115.6%1,71913.7%OPEN →
Upper127.0%5,44911.6%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

500,379

Median household income

$71,493

Median home value

$230,600

Median gross rent

$1,131

per month

Owner-occupied

71.7%

of occupied units

Housing units

217,436

10.3% vacant

Poverty rate

14.3%

Unemployment

6.1%

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 95.9

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Very High · Strong wind 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

78

Declarations recorded

22

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

Everything we hold on Lake 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 Lake County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Lake County →Every reported application and origination in FIPS 18089, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Lake 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

595

—

Purchase share

38.7%

230 loans

IRRRL refinances

252

Cash-out refinances

113

2026595—230252113
2025641—345162134
2024456—28367106
2023443—3239111
2022——388148221
20211,357—381831145
20201,235—413674148
2019653—37993181
2018641—38675180
2017705—365186154
2016639—298215126
2015611—311192108

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 Lake 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

Lake County building permits

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

Single-family · 2025

1,262

−22.1% vs 2024

Multifamily · 2025

0

−100.0% vs 2024

Total authorized · 2025

1,262

−23.5% vs 2024

Permit valuation · 2025

$453.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,262 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 Lake County, showing population movement and wealth transfer.

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

inflow2223Cook County, IL4,2268,061$239.8M
outflow2223Cook County, IL2,6654,730$117.2M
outflow2223Porter County, IN1,6912,940$101.3M
inflow2223Porter County, IN1,2682,142$69.3M
outflow2223Other flows - South, DS1,2092,204$83.2M
inflow2223Other flows - South, DS9481,666$49.3M
outflow2223Other flows - Midwest, DS7831,395$57.8M
inflow2223Other flows - Midwest, DS7391,281$41.9M
inflow2223Will County, IL489834$36.0M
outflow2223Marion County, IN468748$16.3M
outflow2223Other flows - West, DS326516$18.3M
inflow2223Marion County, IN323557$10.1M
inflow2223Other flows - West, DS305513$20.1M
outflow2223Will County, IL281480$16.0M
outflow2223LaPorte County, IN226418$10.7M
outflow2223Jasper County, IN193343$10.0M
inflow2223LaPorte County, IN192345$8.2M
inflow2223DuPage County, IL166300$15.2M
outflow2223Other flows - Northeast, DS152251$7.6M
inflow2223Other flows - Northeast, DS150249$13.3M
outflow2223Maricopa County, AZ145251$13.6M
inflow2223Jasper County, IN126220$6.4M
outflow2223DuPage County, IL111161$10.2M
outflow2223Newton County, IN109198$6.7M
outflow2223Hamilton County, IN107157$10.5M
outflow2223Tippecanoe County, IN97154$2.9M
inflow2223Tippecanoe County, IN93164$3.7M
outflow2223Harris County, TX92144$4.5M
inflow2223Maricopa County, AZ88145$4.7M
outflow2223St. Joseph County, IN79138$3.1M
inflow2223Kankakee County, IL74142$5.0M
inflow2223St. Joseph County, IN71127$3.2M
outflow2223Kankakee County, IL69111$2.7M
outflow2223Clark County, NV64105$2.9M
outflow2223Monroe County, IN6376$1.6M
inflow2223Newton County, IN62102$3.1M
inflow2223Clark County, NV57104$3.4M
outflow2223Los Angeles County, CA5674$2.9M
inflow2223Harris County, TX5494$3.1M
inflow2223Hamilton County, IN5190$4.0M
outflow2223Milwaukee County, WI4988$2.3M
outflow2223Hendricks County, IN4879$3.1M
outflow2223Kane County, IL4666$2.5M
outflow2223Allen County, IN4576$2.0M
outflow2223Starke County, IN4581$2.7M
outflow2223Dallas County, TX4482$1.9M
outflow2223Lee County, FL4478$8.6M
inflow2223Los Angeles County, CA4263$2.8M
outflow2223Foreign - Other flows, FR4176$1.8M
outflow2223Davidson County, TN4151$1.8M
inflow2223Allen County, IN4174$1.9M
outflow2223Lake County, IL4062$2.8M
inflow2223Kane County, IL3878$2.1M
outflow2223Bexar County, TX3872$1.5M
outflow2223Tarrant County, TX3560$1.5M
inflow2223Lake County, IL3574$3.6M
outflow2223Orange County, FL3560$1.3M
outflow2223Berrien County, MI3457$3.9M
inflow2223San Diego County, CA3365$2.4M
inflow2223Monroe County, IN3339$1.3M
inflow2223Lee County, FL3053$2.2M
outflow2223San Diego County, CA2944$1.9M
inflow2223Foreign - Other flows, FR2744$1.1M
outflow2223Hennepin County, MN2739$1.6M
outflow2223Pinellas County, FL2634$1.8M
inflow2223Tarrant County, TX2540$883K
outflow2223Elkhart County, IN2438$1.1M
outflow2223Kent County, MI2437$1.5M
outflow2223Denton County, TX2439$1.8M
outflow2223Vigo County, IN2428$850K
inflow2223Milwaukee County, WI2443$930K
inflow2223Bexar County, TX2439$980K
outflow2223Dane County, WI2333$959K
inflow2223Hendricks County, IN2338$1.2M
inflow2223Hillsborough County, FL2344$1.3M
outflow2223Fulton County, GA2233$824K
outflow2223Pima County, AZ2239$1.7M
outflow2223Travis County, TX2232$1.3M
outflow2223Fort Bend County, TX2246$1.7M
outflow2223Wayne County, MI2232$934K
outflow2223Johnson County, IN2238$887K
outflow2223Boone County, IN2127$1.5M
outflow2223Kosciusko County, IN2129$1.2M
outflow2223Broward County, FL2134$1.5M
outflow2223Hillsborough County, FL2134$1.7M
outflow2223Champaign County, IL2137$515K
inflow2223Vigo County, IN2126$424K
inflow2223Hennepin County, MN2130$743K
outflow2223Oakland County, MI2027$1.8M
inflow2223Elkhart County, IN2044$679K
outflow2223Polk County, FL2044$1.1M
outflow2223Manatee County, FL2037$1.9M
outflow2223King County, WA2031$2.1M
outflow2223Gwinnett County, GA2039$535K
inflow2122Foreign - Other flows, FR———
inflow2122Cook County, IL4,4758,718$252.0M
outflow2122Cook County, IL2,3074,060$97.8M
outflow2122Porter County, IN1,8573,275$111.7M
inflow2122Porter County, IN1,3142,344$69.9M
outflow2122Other flows - South, DS1,2012,218$79.0M
inflow2122Other flows - South, DS8361,532$39.5M
outflow2122Other flows - Midwest, DS7431,368$49.6M
inflow2122Other flows - Midwest, DS6811,191$37.0M
inflow2122Will County, IL5731,069$44.8M
outflow2122Marion County, IN423696$13.4M
outflow2122Other flows - West, DS375607$26.2M
inflow2122Marion County, IN323597$10.4M
inflow2122Other flows - West, DS305559$20.8M
outflow2122Will County, IL268475$13.1M
outflow2122LaPorte County, IN248452$11.1M
outflow2122Jasper County, IN217390$12.0M
inflow2122LaPorte County, IN191377$7.0M
inflow2122DuPage County, IL171318$19.5M
outflow2122Other flows - Northeast, DS163265$10.4M
outflow2122Maricopa County, AZ161264$10.3M
inflow2122Other flows - Northeast, DS155276$9.4M
outflow2122DuPage County, IL124187$9.1M
inflow2122Jasper County, IN119211$5.9M
outflow2122Newton County, IN114207$7.7M
outflow2122Tippecanoe County, IN100179$3.7M
outflow2122Harris County, TX95182$6.1M
inflow2122Maricopa County, AZ95165$5.1M
inflow2122Kankakee County, IL90171$4.9M
outflow2122Hamilton County, IN84142$6.2M
outflow2122Clark County, NV83144$4.6M
inflow2122St. Joseph County, IN73118$3.1M
inflow2122Newton County, IN72125$3.4M
inflow2122Tippecanoe County, IN71120$3.4M
outflow2122St. Joseph County, IN69112$3.1M
inflow2122Clark County, NV63112$3.3M
outflow2122Kankakee County, IL63104$4.6M
outflow2122Allen County, IN62103$3.1M
outflow2122Tarrant County, TX5995$3.1M
outflow2122Hendricks County, IN5496$3.1M
outflow2122Lee County, FL5093$11.5M
inflow2122Monroe County, IN4969$2.2M
inflow2122Kane County, IL4780$3.7M
outflow2122Starke County, IN4689$2.6M
outflow2122Hillsborough County, FL4269$2.3M
outflow2122Dallas County, TX4172$1.7M
inflow2122Hamilton County, IN4170$2.9M
outflow2122Monroe County, IN4052$1.1M
inflow2122Lake County, IL4073$3.0M
inflow2122Los Angeles County, CA3979$2.6M
outflow2122Los Angeles County, CA3945$2.3M
outflow2122Kane County, IL3764$1.9M
outflow2122Bexar County, TX3684$2.7M
inflow2122Harris County, TX3463$2.1M
outflow2122Sarasota County, FL3459$2.7M
inflow2122Allen County, IN3355$1.3M
outflow2122Milwaukee County, WI3363$2.1M
outflow2122Travis County, TX3344$2.0M
outflow2122Fulton County, GA3359$1.1M
outflow2122Lake County, IL3365$2.1M
outflow2122Boone County, IN3356$3.0M
inflow2122Hendricks County, IN3268$2.0M
outflow2122Johnson County, IN3154$1.6M
outflow2122Pinellas County, FL3050$2.1M
outflow2122Davidson County, TN2939$1.7M
outflow2122Vigo County, IN2943$1.3M
outflow2122Orange County, FL2948$1.7M
outflow2122San Diego County, CA2846$1.6M
outflow2122Elkhart County, IN2743$801K
outflow2122Denton County, TX2740$1.3M
inflow2122San Diego County, CA2643$2.0M
outflow2122Broward County, FL2641$2.3M
outflow2122Kent County, MI2645$2.4M
outflow2122White County, IN2640$1.7M
outflow2122Berrien County, MI2537$2.1M
outflow2122Collier County, FL2541$6.5M
outflow2122DeKalb County, GA2549$904K
outflow2122Polk County, FL2553$1.3M
outflow2122Collin County, TX2547$1.1M
inflow2122Hennepin County, MN2445$1.2M
inflow2122Tarrant County, TX2434$1.4M
outflow2122Foreign - Other flows, FR2342$636K
outflow2122Franklin County, OH2338$1.6M
inflow2122McHenry County, IL2346$2.5M
inflow2122Vigo County, IN2333$499K
inflow2122Milwaukee County, WI2345$850K
outflow2122Jefferson County, KY2232$806K
inflow2122Kendall County, IL2252$3.1M
inflow2122Berrien County, MI2240$1.6M
inflow2122Bexar County, TX2232$1.2M
inflow2122Dallas County, TX2235$741K
outflow2122Kosciusko County, IN2135$1.7M
outflow2122Oakland County, MI2140$1.5M
outflow2122Pinal County, AZ2139$1.3M
outflow2122Hamilton County, OH2137$703K
outflow2122Hennepin County, MN2034$1.3M
inflow2122Davidson County, TN2036$939K
inflow2122Champaign County, IL2042$824K
outflow2122Winnebago County, IL2043$565K
inflow2122Johnson County, IN2044$811K
outflow2021Foreign - Other flows, FR———
inflow2021Cook County, IL4,4458,771$247.6M
outflow2021Cook County, IL2,2854,231$94.4M
outflow2021Porter County, IN1,9873,713$112.2M
inflow2021Porter County, IN1,2312,270$60.5M
outflow2021Other flows - South, DS1,1282,032$63.6M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Lake County.

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

2023PurchaseNo CharacteristicAll Appraisals4,288.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals1,472.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,760.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals227,000.0
2023BothNo CharacteristicAll Appraisals250,000.0
2023PurchaseNo CharacteristicAll Appraisals260,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals250,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals265,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,522.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals224,800.0
2022BothNo CharacteristicAll Appraisals7,955.0
2022PurchaseNo CharacteristicAll Appraisals5,433.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals233,000.0
2021BothNo CharacteristicAll Appraisals12,075.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals6,780.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals5,295.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals240,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals248,500.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals11,979.0
2020PurchaseNo CharacteristicAll Appraisals6,179.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals235,000.0
2020RefinanceNo CharacteristicAll Appraisals250,000.0
2020RefinanceNo CharacteristicAll Appraisals5,800.0
2020PurchaseNo CharacteristicAll Appraisals220,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals210,000.0
2019PurchaseNo CharacteristicAll Appraisals5,492.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals215,000.0
2019BothNo CharacteristicAll Appraisals8,876.0
2019RefinanceNo CharacteristicAll Appraisals3,384.0
2019PurchaseNo CharacteristicAll Appraisals205,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals181,500.0
2018BothNo CharacteristicAll Appraisals7,182.0
2018PurchaseNo CharacteristicAll Appraisals4,922.0
2018RefinanceNo CharacteristicAll Appraisals2,260.0
2018BothNo CharacteristicAll Appraisals187,000.0
2018PurchaseNo CharacteristicAll Appraisals190,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals180,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals7,084.0
2017PurchaseNo CharacteristicAll Appraisals4,532.0
2017PurchaseNo CharacteristicAll Appraisals185,000.0
2017RefinanceNo CharacteristicAll Appraisals2,552.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals185,000.0
2016PurchaseNo CharacteristicAll Appraisals3,892.0
2016RefinanceNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals180,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals190,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals7,340.0
2016RefinanceNo CharacteristicAll Appraisals3,448.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals175,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals194,100.0
2015BothNo CharacteristicAll Appraisals6,302.0
2015RefinanceNo CharacteristicAll Appraisals2,880.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals3,422.0
2015BothNo CharacteristicAll Appraisals184,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals176,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05243,057232,60410,4534.3%
2026-04240,659230,63710,0224.2%
2026-03240,962228,67712,2855.1%
2026-02240,868227,93012,9385.4%
2026-01242,067230,60811,4594.7%
2025-12240,606231,0039,6034.0%
2025-11242,422232,27810,1444.2%
2025-09243,370232,07211,2984.6%
2025-08242,814230,66912,1455.0%
2025-07245,589232,43113,1585.4%
2025-06247,077234,39112,6865.1%
2025-05243,155230,49412,6615.2%
2025-04243,617232,17311,4444.7%
2025-03243,164229,78213,3825.5%
2025-02242,541227,39515,1466.2%
2025-01243,971229,25014,7216.0%
2024-12241,007228,62312,3845.1%
2024-11241,644229,09412,5505.2%
2024-10242,633230,64711,9864.9%
2024-09241,772229,11112,6615.2%
2024-08241,670227,33214,3385.9%
2024-07243,878229,23414,6446.0%
2024-06242,704228,98913,7155.7%
2024-05240,155227,56912,5865.2%
2024-04239,883228,12311,7604.9%
2024-03239,461225,48913,9725.8%
2024-02236,972222,58614,3866.1%
2024-01237,160223,45313,7075.8%
2023-12235,832224,07111,7615.0%
2023-11237,931226,65411,2774.7%
2023-10237,460226,45911,0014.6%
2023-09235,281224,65610,6254.5%
2023-08237,984225,05912,9255.4%
2023-07238,980226,29612,6845.3%
2023-06241,436228,25713,1795.5%
2023-05237,770226,47211,2984.8%
2023-04236,933227,3009,6334.1%
2023-03237,554224,44613,1085.5%
2023-02234,977221,74113,2365.6%
2023-01234,019221,77312,2465.2%
2022-12233,855223,29710,5584.5%
2022-11233,460223,02610,4344.5%
2022-10233,166223,8639,3034.0%
2022-09232,506223,6268,8803.8%
2022-08235,670224,43511,2354.8%
2022-07237,810226,32111,4894.8%
2022-06236,559225,26611,2934.8%
2022-05233,990224,1509,8404.2%
2022-04232,176223,2058,9713.9%
2022-03232,561221,35911,2024.8%
2022-02232,685219,00513,6805.9%
2022-01230,427218,10612,3215.3%
2021-12228,754219,5149,2404.0%
2021-11230,224220,3429,8824.3%
2021-10229,838219,34010,4984.6%
2021-09228,610217,50311,1074.9%
2021-08231,050217,34913,7015.9%
2021-07236,927218,93417,9937.6%
2021-06237,108220,00317,1057.2%
2021-05235,167217,92217,2457.3%
2021-04234,414217,77916,6357.1%
2021-03230,045212,54717,4987.6%
2021-02229,091211,09118,0007.9%
2021-01229,989211,63918,3508.0%
2020-12230,514213,74316,7717.3%
2020-11231,970214,61417,3567.5%
2020-10233,675215,86117,8147.6%
2020-09231,947211,18020,7679.0%
2020-08233,136210,15422,9829.9%
2020-07234,250203,33530,91513.2%
2020-06234,554200,60233,95214.5%
2020-05232,885192,69040,19517.3%
2020-04227,853183,15744,69619.6%
2020-03230,375214,50315,8726.9%
2020-02236,326222,99613,3305.6%
2020-01235,897222,81913,0785.5%
2019-12235,271224,17711,0944.7%
2019-11235,557225,21210,3454.4%
2019-10236,046226,4689,5784.1%
2019-09235,514225,8109,7044.1%
2019-08235,985225,72710,2584.3%
2019-07237,919226,04811,8715.0%
2019-06238,045226,94911,0964.7%
2019-05234,020224,4289,5924.1%
2019-04235,404225,00310,4014.4%
2019-03239,162223,30815,8546.6%
2019-02235,457222,00413,4535.7%
2019-01236,168222,01014,1586.0%
2018-12234,952223,51411,4384.9%
2018-11235,173224,54610,6274.5%
2018-10236,151225,59210,5594.5%
2018-09235,055224,95710,0984.3%
2018-08236,076225,14310,9334.6%
2018-07239,887227,78412,1035.0%
2018-06239,220227,27011,9505.0%
2018-05234,709224,24410,4654.5%
2018-04234,976224,56610,4104.4%
2018-03234,722221,74312,9795.5%
2018-02233,148219,68713,4615.8%
2018-01231,825218,75413,0715.6%

BEA Personal Income

2024$29.38B502,955$58K
2023$28.17B500,591$56K
2022$26.73B500,065$53K
2021$26.36B499,319$53K
2020$24.03B498,963$48K
2019$22.42B496,586$45K
2018$21.76B494,143$44K
2017$20.69B492,941$42K
2016$20.05B493,370$41K
2015$19.54B494,064$40K
2014$18.86B496,010$38K
2013$18.34B495,544$37K
2012$18.40B496,028$37K
2011$17.72B496,431$36K
2010$16.99B496,251$34K
2009$16.49B495,789$33K
2008$17.17B495,479$35K
2007$16.42B493,403$33K
2006$15.72B491,432$32K
2005$14.83B489,530$30K
2004$14.22B487,405$29K
2003$13.77B485,596$28K
2002$13.28B484,520$27K
2001$13.16B484,454$27K
2000$13.12B484,514$27K
1999$12.60B484,792$26K
1998$12.06B484,887$25K
1997$11.37B484,848$23K
1996$10.88B484,425$22K
1995$10.32B484,553$21K
1994$9.87B483,801$20K
1993$9.38B482,735$19K
1992$8.96B481,130$19K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-25$0——No
2026-06-24$4K$4K$0Yes
2026-06-24$0——Yes
2026-06-24$0$0$0Yes
2026-06-24$185$185$0Yes
2026-06-24$0$0$0Yes
2026-06-24$8K$8K$0Yes
2026-06-24$0$0$0Yes
2026-06-22$0——Yes
2026-06-17$7K$7K$0Yes
2026-06-11$10K$10K$0Yes
2026-06-11$160$160$0Yes
2026-06-11$0$0$0Yes
2026-06-11$5K$5K$0Yes
2026-06-11$15K$15K$0No
2026-06-11$9K$8K$966.23No
2026-06-11$0$0$0Yes
2026-06-11$4K$4K$0Yes
2026-06-11$0——Yes
2026-06-11$0——Yes
2026-06-11$6K$6K$0Yes
2025-08-18$7K$7K$0Yes
2025-08-18$3K$3K$0Yes
2025-08-18$0$0$0Yes
2025-08-18$14K$14K$0No
2025-07-30$0$0$0Yes
2024-03-08$5K$5K$0Yes
2024-03-08$0$0$0Yes
2023-01-03$48.35$48.35$0Yes
2022-05-03$0——Yes
2022-04-29$3K$3K$0Yes
2021-10-25$0$0$0No
2021-03-18$2K$2K$0No
2020-07-19$8K$8K$0Yes
2020-07-03$5K$5K$0Yes
2020-05-24$4K$3K$500.58No
2020-05-23$887.27$887.27$0Yes
2020-05-23$1K$1K$0Yes
2020-05-23$1K$1K$0Yes
2020-05-23$8K$8K$0Yes
2020-05-23$3K$3K$18.55Yes
2020-05-23$0——Yes
2020-05-19$13K$13K$0Yes
2020-05-18$0——Yes
2020-05-18$9K$9K$0Yes
2020-05-17$9K$9K$0Yes
2020-05-17$4K$0$4KYes
2019-09-29$4K$4K$0No
2019-09-29$0——No
2019-09-28$182K$182K$0No
2019-09-28$3K$3K$0Yes
2019-09-27$7K$6K$611.35Yes
2019-08-05$0——Yes
2019-06-27$4K$4K$0Yes
2019-06-26$66K$50K$16KYes
2019-06-24$0$0$0Yes
2019-06-23$5K$5K$121.72Yes
2019-05-02$0——Yes
2019-05-01$9K$8K$535.63Yes
2019-05-01$4K$4K$0Yes
2019-05-01$15K$9K$6KYes
2019-05-01$21K$14K$7KNo
2019-05-01$9K$9K$0No
2019-04-29$6K$4K$1KYes
2019-03-01$0——Yes
2019-01-20$4K$4K$0Yes
2018-07-04$0——Yes
2018-06-27$0——Yes
2018-02-28$23K$23K$0No
2018-02-22$4K$4K$0Yes
2018-02-22$17K$17K$0Yes
2018-02-22$80K$50K$0No
2018-02-22$0——Yes
2018-02-21$0——Yes
2018-02-21$80K$80K$0No
2018-02-21$78K$78K$0No
2018-02-21$7K$7K$0Yes
2018-02-21$114K$114K$0Yes
2018-02-20$2K$2K$0Yes
2018-02-20$6K$6K$0Yes
2018-02-20$0——Yes
2018-02-20$9K$9K$0Yes
2018-02-20$0——No
2018-02-20$29K$29K$0No
2018-02-20$4K$4K$326.59Yes
2018-02-20$13K$13K$0No
2018-02-20$35K$17K$18KNo
2018-02-20$125K$90K$35KYes
2018-02-20$23K$20K$3KYes
2018-02-20$5K$5K$0Yes
2018-02-20$12K$12K$0Yes
2018-02-20$0——Yes
2018-02-20$0——Yes
2018-02-20$15K$15K$0Yes
2018-02-20$2K$2K$0Yes
2018-02-19$3K$2K$515.74Yes
2018-02-19$5K$5K$0Yes
2018-02-19$25K$25K$0Yes
2018-02-19$0——Yes
2018-02-18$7K$7K$0Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN LAKE COUNTY →Opens the loan explorer already filtered to county FIPS 18089.

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