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State markets/Indiana/St. Joseph County

COUNTY MORTGAGE MARKET · FIPS 18141

St. Joseph County, Indiana

Who lends in St. Joseph 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

$1.65B

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

Originations · 2025

6,675

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

Denial rate · 2025

17.0%

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

Lenders active · 2025

340

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 340 lenders that originated in St. Joseph County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

627

unconcentrated

Top-5 lender share

43.0%

of originations

Purchase

58.5%

3,017 loans

Refinance

41.5%

2,139 loans

Origination trend

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

Lenders in St. Joseph 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 St. Joseph 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 ST. JOSEPH COUNTY →

TOP TEN LENDERS IN ST. JOSEPH 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.

663$332.2M$332.2M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
831$128.5M$128.5M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
585$101.3M$101.3M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
428$82.7M$82.7M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
391$65.1M$65.1M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
236$58.7M$58.7M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3$51.8M$51.8M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
196$51.4M$51.4M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
82$48.1M$48.1M originated in St. Joseph County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
193$43.3M$43.3M originated in St. Joseph 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 St. Joseph County

All 25 ZIP Code Tabulation Areas that touch St. Joseph 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.
25 OF 25 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
99 of the 11 St. Joseph County tracts this ZIP area touches sit mostly inside it.37,12817.7%10,056——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 St. Joseph County tracts this ZIP area touches sit mostly inside it.33,85028.1%10,463——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 St. Joseph County tracts this ZIP area touches sit mostly inside it.27,45718.4%8,531——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 St. Joseph County tracts this ZIP area touches sit mostly inside it.24,77449.7%6,368——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 St. Joseph County tracts this ZIP area touches sit mostly inside it.24,55128.1%4,678——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 St. Joseph County tracts this ZIP area touches sit mostly inside it.22,87256.9%5,968——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 St. Joseph County tracts this ZIP area touches sit mostly inside it.15,72235.5%4,054——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 St. Joseph County tracts this ZIP area touches sit mostly inside it.13,09524.8%4,259——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 St. Joseph County tracts this ZIP area touches sit mostly inside it.10,25926.6%2,710——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 St. Joseph County tract this ZIP area touches sit mostly inside it.10,00825.4%299——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 8 St. Joseph County tracts this ZIP area touches sit mostly inside it.8,61233.1%2,081——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 St. Joseph County tracts this ZIP area touches sit mostly inside it.8,27211.7%2,722——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 St. Joseph County tracts this ZIP area touches sit mostly inside it.7,93858.3%1,420——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 St. Joseph County tracts this ZIP area touches sit mostly inside it.7,82149.5%1,420——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 St. Joseph County tracts this ZIP area touches sit mostly inside it.4,70366.8%369——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 St. Joseph County tracts this ZIP area touches sit mostly inside it.4,3028.9%1,359——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 St. Joseph County tracts this ZIP area touches sit mostly inside it.3,4829.0%1,206——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 St. Joseph County tracts this ZIP area touches sit mostly inside it.3,4028.4%1,310——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Joseph County tracts this ZIP area touches sit mostly inside it.2,87310.3%979——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Joseph County tracts this ZIP area touches sit mostly inside it.1,7916.8%635——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of St. Joseph 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 St. Joseph 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 St. Joseph 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 St. Joseph 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 St. Joseph 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.

82 of St. Joseph County’s 82 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 St. Joseph County

All 82 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.

82 OF 82 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate52.8%2,19164.5%OPEN →
Moderate58.7%3,55269.0%OPEN →
Moderate79.2%2,61738.4%OPEN →
Low49.6%2,64163.5%OPEN →
Low31.6%2,46475.3%OPEN →
Moderate54.4%1,70781.3%OPEN →
Moderate56.5%2,19965.3%OPEN →
Middle109.6%1,61232.8%OPEN →
Upper176.0%1,51017.5%OPEN →
Middle115.1%1,35833.8%OPEN →
Moderate65.9%3,54948.8%OPEN →
Middle89.0%4,33040.2%OPEN →
Upper147.3%2,19518.0%OPEN →
Middle81.0%2,36347.1%OPEN →
Middle83.4%3,63235.2%OPEN →
Moderate58.1%3,07934.0%OPEN →
Upper153.1%2,31817.4%OPEN →
Moderate61.3%1,69749.2%OPEN →
Middle83.0%1,39364.7%OPEN →
Low35.8%1,69877.2%OPEN →
Low46.7%1,25684.2%OPEN →
Low48.6%3,00683.5%OPEN →
Low26.9%1,40692.5%OPEN →
Low49.2%2,85780.8%OPEN →
Moderate75.0%2,21369.8%OPEN →
Moderate62.7%3,40164.8%OPEN →
Low36.0%1,59272.4%OPEN →
Low43.3%2,19573.3%OPEN →
Moderate72.0%1,30876.2%OPEN →
—0.0%1,86463.5%OPEN →
Moderate59.9%3,87947.3%OPEN →
Middle104.7%5,08424.8%OPEN →
Moderate66.3%2,96340.2%OPEN →
Moderate53.6%3,85567.4%OPEN →
Moderate65.9%2,67036.0%OPEN →
Moderate64.7%2,84821.1%OPEN →
Middle98.7%3,88920.4%OPEN →
Moderate64.0%1,67821.4%OPEN →
Moderate70.9%5,79923.7%OPEN →
Middle86.3%3,11114.8%OPEN →
Middle92.8%3,01713.7%OPEN →
Middle96.0%3,96924.2%OPEN →
Middle85.2%3,98920.4%OPEN →
Middle117.8%4,3028.9%OPEN →
Middle117.3%4,05613.6%OPEN →
Upper130.8%3,91119.1%OPEN →
Upper137.5%2,69025.0%OPEN →
Upper137.6%4,36224.1%OPEN →
Moderate74.5%4,34133.1%OPEN →
Middle94.5%10,00825.4%OPEN →
Middle107.7%6,15722.0%OPEN →
Upper186.8%2,45618.0%OPEN →
Upper122.7%4,28620.6%OPEN →
Upper149.6%3,30116.7%OPEN →
Upper156.3%3,01435.7%OPEN →
Upper132.3%3,92420.9%OPEN →
Middle90.2%3,09628.6%OPEN →
Middle104.6%2,87733.5%OPEN →
Upper185.1%6,11718.1%OPEN →
Upper187.3%6,63424.1%OPEN →
Upper158.5%3,71814.7%OPEN →
Upper135.5%5,23115.3%OPEN →
Moderate54.7%3,92643.8%OPEN →
Upper133.1%1,85513.3%OPEN →
Upper133.4%1,57215.7%OPEN →
Middle112.9%3,93130.5%OPEN →
Moderate69.1%5,30932.5%OPEN →
Middle108.0%7,69512.9%OPEN →
Upper125.6%4,99311.3%OPEN →
Upper139.6%3,27912.3%OPEN →
Upper131.9%4,10515.3%OPEN →
Middle92.6%3,63129.5%OPEN →
Middle109.2%4,98619.5%OPEN →
Upper135.2%1,24412.5%OPEN →
Upper132.8%4,07720.4%OPEN →
Middle116.7%2,44416.3%OPEN →
Upper138.3%4,21215.5%OPEN →
Middle99.1%3,67011.1%OPEN →
Middle97.8%3,4028.4%OPEN →
Middle104.5%2,87310.3%OPEN →
Middle102.6%3,4829.0%OPEN →
Upper148.5%1,7916.8%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

273,040

Median household income

$66,868

Median home value

$192,800

Median gross rent

$1,062

per month

Owner-occupied

69.0%

of occupied units

Housing units

118,580

9.6% vacant

Poverty rate

14.2%

Unemployment

5.2%

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 85.8

Social vulnerability

Relatively Low

Community resilience

Very High

ELEVATED PERILS

Tornado Relatively High · Hail Relatively High · Strong wind 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

68

Declarations recorded

16

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

Everything we hold on St. Joseph 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 St. Joseph County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for St. Joseph County →Every reported application and origination in FIPS 18141, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in St. Joseph 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

258

—

Purchase share

40.3%

104 loans

IRRRL refinances

105

Cash-out refinances

49

2026258—10410549
2025325—1707877
2024256—1562971
2023197—144350
2022——16760127
2021581—18931280
2020503—17524979
2019287—1594286
2018300—1892982
2017370—1958392
2016294—1617657
2015287—1617551

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 St. Joseph 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

St. Joseph 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

377

+39.6% vs 2024

Multifamily · 2025

234

−51.5% vs 2024

Total authorized · 2025

611

−18.8% vs 2024

Permit valuation · 2025

$195.9M

authorized construction value

Units authorized by year

St. Joseph County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025611 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 St. Joseph County, showing population movement and wealth transfer.

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

inflow2223Elkhart County, IN1,1612,065$59.5M
outflow2223Elkhart County, IN1,0901,980$63.6M
outflow2223Other flows - South, DS9931,734$72.9M
inflow2223Other flows - South, DS9001,547$57.0M
outflow2223Other flows - Midwest, DS6141,015$38.3M
inflow2223Other flows - Midwest, DS604956$38.5M
inflow2223Berrien County, MI370634$19.1M
outflow2223Berrien County, MI368662$22.8M
inflow2223Other flows - West, DS365637$21.7M
outflow2223Other flows - West, DS348571$23.8M
outflow2223Cook County, IL324461$19.8M
inflow2223Other flows - Northeast, DS283428$20.0M
outflow2223Marion County, IN267386$11.9M
inflow2223Marshall County, IN252455$13.7M
inflow2223LaPorte County, IN249455$11.8M
outflow2223Marshall County, IN245450$13.9M
outflow2223Other flows - Northeast, DS237399$15.3M
inflow2223Cook County, IL233379$16.2M
outflow2223Cass County, MI228441$20.1M
outflow2223LaPorte County, IN218390$10.7M
inflow2223Cass County, MI199341$14.8M
inflow2223Marion County, IN168301$10.1M
outflow2223Hamilton County, IN107187$10.2M
outflow2223Allen County, IN101140$4.9M
inflow2223Allen County, IN86131$4.7M
inflow2223Lake County, IN79138$3.1M
outflow2223Foreign - Other flows, FR79113$4.7M
inflow2223Porter County, IN72106$4.7M
outflow2223Lake County, IN71127$3.2M
inflow2223Starke County, IN66106$2.7M
outflow2223Kosciusko County, IN6593$3.0M
inflow2223Kosciusko County, IN65107$2.7M
inflow2223Maricopa County, AZ64109$3.5M
outflow2223Maricopa County, AZ60111$4.5M
outflow2223Porter County, IN5991$3.7M
outflow2223Starke County, IN55101$3.5M
outflow2223Los Angeles County, CA5163$2.4M
inflow2223Kalamazoo County, MI5166$2.8M
outflow2223Kalamazoo County, MI4879$2.1M
inflow2223Hamilton County, IN4884$3.5M
outflow2223Tippecanoe County, IN4562$2.2M
inflow2223Kent County, MI4568$2.5M
outflow2223Kent County, MI4468$4.8M
inflow2223St. Joseph County, MI4379$1.8M
outflow2223New York County, NY4244$3.7M
inflow2223Tippecanoe County, IN4258$1.6M
inflow2223Los Angeles County, CA4168$2.7M
outflow2223Franklin County, OH3959$2.5M
inflow2223DuPage County, IL3663$2.4M
outflow2223Monroe County, IN3640$1.2M
outflow2223King County, WA3546$2.7M
inflow2223Foreign - Other flows, FR3457$1.5M
outflow2223Harris County, TX3448$1.8M
outflow2223Dallas County, TX3451$1.5M
outflow2223St. Joseph County, MI3464$2.3M
outflow2223Travis County, TX3248$3.2M
inflow2223Monroe County, IN3138$1.3M
outflow2223Mecklenburg County, NC2947$2.4M
inflow2223Franklin County, OH2835$1.4M
outflow2223DuPage County, IL2839$1.9M
outflow2223Pinellas County, FL2841$1.5M
outflow2223Lee County, FL2841$3.9M
outflow2223District of Columbia, DC2731$1.8M
inflow2223Will County, IL2641$1.3M
outflow2223Middlesex County, MA2532$1.5M
outflow2223Denver County, CO2527$1.4M
outflow2223Delaware County, IN2531$849K
inflow2223Hennepin County, MN2544$2.4M
outflow2223Davidson County, TN2433$1.4M
outflow2223Hillsborough County, FL2435$1.6M
outflow2223Dane County, WI2437$2.7M
inflow2223Wayne County, MI2438$1.4M
inflow2223Pinellas County, FL2336$1.1M
outflow2223Fulton County, GA2333$1.7M
outflow2223Wayne County, MI2227$974K
inflow2223Harris County, TX2238$1.8M
outflow2223San Diego County, CA2229$1.4M
inflow2223Noble County, IN2238$1.2M
inflow2223Oakland County, MI2136$2.1M
inflow2223Delaware County, IN2121$558K
outflow2223Kings County, NY2023$1.3M
outflow2223Orange County, FL2034$1.0M
outflow2223Fulton County, IN2035$850K
inflow2223Lee County, FL2036$1.2M
inflow2223LaGrange County, IN2034$704K
inflow2223Van Buren County, MI2029$873K
outflow2223Suffolk County, MA2022$1.5M
outflow2223Oakland County, MI2031$2.3M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Elkhart County, IN1,0832,032$54.7M
outflow2122Other flows - South, DS1,0051,835$86.1M
outflow2122Elkhart County, IN9921,784$60.7M
inflow2122Other flows - South, DS7691,425$48.5M
inflow2122Other flows - Midwest, DS6131,094$35.3M
outflow2122Other flows - Midwest, DS548977$31.7M
outflow2122Berrien County, MI378628$30.3M
inflow2122Other flows - West, DS368648$34.4M
inflow2122Berrien County, MI341617$17.1M
outflow2122Other flows - West, DS339514$26.0M
outflow2122Cook County, IL290430$16.8M
inflow2122LaPorte County, IN282444$12.6M
outflow2122Marion County, IN275411$11.5M
outflow2122Other flows - Northeast, DS267414$21.3M
inflow2122Other flows - Northeast, DS256432$19.9M
outflow2122Cass County, MI234448$27.5M
outflow2122Marshall County, IN234443$12.1M
inflow2122Marshall County, IN233403$10.5M
inflow2122Cass County, MI216379$32.7M
outflow2122LaPorte County, IN214384$9.8M
inflow2122Cook County, IL210332$14.4M
inflow2122Marion County, IN172286$7.4M
outflow2122Allen County, IN117187$5.7M
outflow2122Hamilton County, IN95166$8.4M
inflow2122Allen County, IN83127$3.4M
outflow2122Maricopa County, AZ75135$8.7M
outflow2122Lake County, IN73118$3.1M
inflow2122Lake County, IN69112$3.1M
outflow2122Porter County, IN66125$4.9M
outflow2122Kosciusko County, IN61110$5.0M
inflow2122Porter County, IN6189$3.3M
inflow2122Kalamazoo County, MI5183$2.6M
inflow2122Kosciusko County, IN5189$2.9M
outflow2122Kalamazoo County, MI5089$2.1M
inflow2122Los Angeles County, CA4963$2.7M
inflow2122Maricopa County, AZ4981$2.8M
outflow2122Kent County, MI4466$2.7M
inflow2122Tippecanoe County, IN4475$2.3M
inflow2122Hamilton County, IN4268$3.8M
outflow2122Starke County, IN4174$1.8M
inflow2122Starke County, IN4170$1.6M
outflow2122King County, WA3957$2.9M
outflow2122Monroe County, IN3954$1.9M
outflow2122Tippecanoe County, IN3859$3.1M
inflow2122DuPage County, IL3761$2.5M
outflow2122Los Angeles County, CA3759$2.7M
inflow2122Kent County, MI3654$1.7M
outflow2122Harris County, TX3569$1.6M
inflow2122St. Joseph County, MI3566$1.8M
inflow2122Monroe County, IN3449$1.9M
inflow2122Harris County, TX3358$2.0M
outflow2122New York County, NY3234$1.5M
outflow2122St. Joseph County, MI3259$1.5M
inflow2122Hendricks County, IN3044$1.5M
outflow2122Mecklenburg County, NC3042$1.8M
outflow2122San Diego County, CA3039$2.0M
outflow2122Franklin County, OH2941$1.6M
outflow2122Pinellas County, FL2952$3.0M
outflow2122Wayne County, MI2835$1.0M
inflow2122Clark County, NV2854$1.0M
outflow2122Tarrant County, TX2843$1.8M
outflow2122Hamilton County, OH2754$1.7M
outflow2122Oakland County, MI2639$1.5M
inflow2122Will County, IL2653$1.6M
outflow2122Lee County, FL2645$3.1M
outflow2122Hendricks County, IN2636$1.2M
inflow2122Delaware County, IN2529$711K
inflow2122Cuyahoga County, OH2536$1.4M
inflow2122Lee County, FL2434$1.8M
outflow2122Van Buren County, MI2443$1.3M
outflow2122Hennepin County, MN2435$1.5M
outflow2122Middlesex County, MA2433$1.1M
outflow2122Milwaukee County, WI2432$1.7M
outflow2122DuPage County, IL2333$1.5M
outflow2122Dallas County, TX2332$1.2M
outflow2122Clark County, NV2349$2.0M
inflow2122Oakland County, MI2240$2.3M
inflow2122Hillsborough County, FL2236$1.2M
inflow2122Dallas County, TX2236$1.7M
outflow2122Hillsborough County, FL2246$1.5M
outflow2122District of Columbia, DC2236$1.6M
outflow2122Santa Clara County, CA2232$2.8M
outflow2122Davidson County, TN2230$1.6M
outflow2122Palm Beach County, FL2131$4.4M
outflow2122Sarasota County, FL2142$3.2M
inflow2122Fulton County, IN2028$841K
outflow2122Johnson County, IN2034$923K
inflow2122Pinellas County, FL2025$931K
inflow2122Kane County, IL2029$1.2M
outflow2122Bexar County, TX2036$807K
inflow2122Washtenaw County, MI2030$1.2M
inflow2122Tarrant County, TX2034$985K
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
inflow2021Elkhart County, IN1,2542,322$55.5M
outflow2021Elkhart County, IN1,0682,037$54.7M
outflow2021Other flows - South, DS1,0601,952$68.8M
inflow2021Other flows - South, DS8991,581$55.0M
outflow2021Other flows - Midwest, DS6141,076$33.3M
inflow2021Other flows - Midwest, DS5961,032$38.7M
inflow2021Berrien County, MI398661$19.3M
inflow2021Other flows - West, DS375688$33.2M
outflow2021Berrien County, MI358621$19.3M
outflow2021Other flows - West, DS339553$24.0M
outflow2021Marion County, IN293470$11.7M
inflow2021LaPorte County, IN277500$11.6M
inflow2021Cook County, IL265439$17.2M
inflow2021Other flows - Northeast, DS258427$19.5M
outflow2021Marshall County, IN230427$11.5M
outflow2021Other flows - Northeast, DS228358$18.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for St. Joseph County.

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

2023PurchaseNo CharacteristicAll Appraisals2,170.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals674.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,844.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals199,000.0
2023BothNo CharacteristicAll Appraisals205,000.0
2023PurchaseNo CharacteristicAll Appraisals206,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals195,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals197,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,248.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals192,000.0
2022BothNo CharacteristicAll Appraisals3,922.0
2022PurchaseNo CharacteristicAll Appraisals2,674.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals192,000.0
2021BothNo CharacteristicAll Appraisals5,729.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals3,168.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals2,561.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals186,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals181,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals5,667.0
2020PurchaseNo CharacteristicAll Appraisals2,813.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals180,000.0
2020RefinanceNo CharacteristicAll Appraisals196,000.0
2020RefinanceNo CharacteristicAll Appraisals2,854.0
2020PurchaseNo CharacteristicAll Appraisals164,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals165,000.0
2019PurchaseNo CharacteristicAll Appraisals2,594.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals183,000.0
2019BothNo CharacteristicAll Appraisals4,183.0
2019RefinanceNo CharacteristicAll Appraisals1,589.0
2019PurchaseNo CharacteristicAll Appraisals155,000.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2018RefinanceNo CharacteristicAll Appraisals148,000.0
2018BothNo CharacteristicAll Appraisals3,482.0
2018PurchaseNo CharacteristicAll Appraisals2,427.0
2018RefinanceNo CharacteristicAll Appraisals1,055.0
2018BothNo CharacteristicAll Appraisals150,000.0
2018PurchaseNo CharacteristicAll Appraisals151,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals153,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals3,028.0
2017PurchaseNo CharacteristicAll Appraisals2,002.0
2017PurchaseNo CharacteristicAll Appraisals150,000.0
2017RefinanceNo CharacteristicAll Appraisals1,026.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017BothNo CharacteristicAll Appraisals151,000.0
2016PurchaseNo CharacteristicAll Appraisals1,871.0
2016RefinanceNo CharacteristicAll Appraisals162,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals141,000.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals150,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016BothNo CharacteristicAll Appraisals3,186.0
2016RefinanceNo CharacteristicAll Appraisals1,315.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals130,000.0
2015PurchaseNo CharacteristicAll Appraisals0.4
2015RefinanceNo CharacteristicAll Appraisals147,800.0
2015BothNo CharacteristicAll Appraisals3,093.0
2015RefinanceNo CharacteristicAll Appraisals1,180.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.5
2015PurchaseNo CharacteristicAll Appraisals1,913.0
2015BothNo CharacteristicAll Appraisals136,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals133,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05130,988126,3154,6733.6%
2026-04129,045125,1263,9193.0%
2026-03129,777124,6735,1043.9%
2026-02129,662124,3355,3274.1%
2026-01129,430125,0524,3783.4%
2025-12128,806124,9723,8343.0%
2025-11130,042125,6054,4373.4%
2025-09130,892125,8215,0713.9%
2025-08129,587123,8735,7144.4%
2025-07130,492124,2136,2794.8%
2025-06132,756126,9845,7724.3%
2025-05130,624125,3835,2414.0%
2025-04130,798126,0794,7193.6%
2025-03130,295124,6955,6004.3%
2025-02129,866123,8146,0524.7%
2025-01130,206124,2415,9654.6%
2024-12129,370124,0395,3314.1%
2024-11130,085124,2105,8754.5%
2024-10130,614124,8915,7234.4%
2024-09130,688124,9615,7274.4%
2024-08129,595122,9796,6165.1%
2024-07131,223124,1297,0945.4%
2024-06132,003125,3816,6225.0%
2024-05129,658123,7885,8704.5%
2024-04129,464123,9655,4994.2%
2024-03129,206122,7066,5005.0%
2024-02127,779121,1326,6475.2%
2024-01127,529121,5595,9704.7%
2023-12127,620122,8824,7383.7%
2023-11129,447124,3915,0563.9%
2023-10129,986125,1094,8773.8%
2023-09129,708124,7714,9373.8%
2023-08130,606124,8845,7224.4%
2023-07131,634125,7205,9144.5%
2023-06132,685127,0075,6784.3%
2023-05131,379126,2485,1313.9%
2023-04130,930126,6814,2493.2%
2023-03131,533126,0865,4474.1%
2023-02130,757124,9635,7944.4%
2023-01129,521123,8955,6264.3%
2022-12129,634125,3164,3183.3%
2022-11130,335125,5374,7983.7%
2022-10130,311125,7774,5343.5%
2022-09129,863125,9153,9483.0%
2022-08131,154126,2924,8623.7%
2022-07132,562127,1665,3964.1%
2022-06133,053128,0455,0083.8%
2022-05130,962126,7754,1873.2%
2022-04130,432126,7023,7302.9%
2022-03130,424125,7424,6823.6%
2022-02129,105124,0915,0143.9%
2022-01128,485123,5014,9843.9%
2021-12128,092124,3263,7662.9%
2021-11128,824124,6274,1973.3%
2021-10128,638124,1304,5083.5%
2021-09128,226123,4364,7903.7%
2021-08128,624122,9955,6294.4%
2021-07131,656125,1006,5565.0%
2021-06132,579125,6366,9435.2%
2021-05130,499124,1696,3304.9%
2021-04130,294123,7656,5295.0%
2021-03130,349122,7747,5755.8%
2021-02129,991121,9987,9936.1%
2021-01130,320121,9198,4016.4%
2020-12130,378122,8367,5425.8%
2020-11131,257122,9878,2706.3%
2020-10132,074123,2158,8596.7%
2020-09130,907121,0059,9027.6%
2020-08131,841120,49411,3478.6%
2020-07132,416116,90715,50911.7%
2020-06132,188116,04216,14612.2%
2020-05129,748111,68218,06613.9%
2020-04126,987101,58325,40420.0%
2020-03131,255124,6526,6035.0%
2020-02135,338129,8575,4814.0%
2020-01135,578129,8635,7154.2%
2019-12136,495131,9354,5603.3%
2019-11136,904132,1794,7253.5%
2019-10137,061132,4804,5813.3%
2019-09137,566133,2314,3353.2%
2019-08136,950132,0864,8643.6%
2019-07137,621132,1285,4934.0%
2019-06138,277133,0765,2013.8%
2019-05135,102130,7164,3863.2%
2019-04135,419131,4283,9912.9%
2019-03136,773131,3815,3923.9%
2019-02136,741130,9735,7684.2%
2019-01137,029130,9366,0934.4%
2018-12135,956131,2724,6843.4%
2018-11136,199131,5544,6453.4%
2018-10136,910132,1504,7603.5%
2018-09136,571132,3124,2593.1%
2018-08135,808130,8964,9123.6%
2018-07138,277133,0495,2283.8%
2018-06138,606133,3955,2113.8%
2018-05136,249131,7184,5313.3%
2018-04136,454132,1874,2673.1%
2018-03135,806130,6925,1143.8%
2018-02135,279129,8255,4544.0%
2018-01133,983128,7215,2623.9%

BEA Personal Income

2024$16.16B273,744$59K
2023$15.56B273,658$57K
2022$15.34B272,796$56K
2021$15.21B272,315$56K
2020$13.75B272,688$50K
2019$12.90B272,860$47K
2018$12.77B272,000$47K
2017$12.19B271,133$45K
2016$11.65B270,829$43K
2015$11.60B269,228$43K
2014$10.90B268,559$41K
2013$10.40B267,597$39K
2012$10.28B266,859$39K
2011$9.85B266,884$37K
2010$9.31B266,830$35K
2009$9.07B266,827$34K
2008$9.62B267,282$36K
2007$9.44B266,045$35K
2006$9.11B265,496$34K
2005$8.56B264,863$32K
2004$8.28B264,541$31K
2003$7.85B264,762$30K
2002$7.75B265,090$29K
2001$7.53B265,502$28K
2000$7.31B265,845$28K
1999$7.03B264,952$27K
1998$6.77B263,845$26K
1997$6.26B263,125$24K
1996$5.98B261,774$23K
1995$5.71B260,072$22K
1994$5.45B257,794$21K
1993$5.15B255,475$20K
1992$4.85B251,724$19K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2021-07-12$0——Yes
2020-05-24$2K$2K$0No
2019-07-21$953.15$953.15$0Yes
2018-03-05$25K$25K$0Yes
2018-02-22$8K$8K$0Yes
2018-02-22$0——No
2018-02-21$0——Yes
2018-02-21$6K$6K$0Yes
2018-02-21$6K$6K$0Yes
2018-02-21$4K$4K$0Yes
2018-02-21$8K$8K$0No
2018-02-21$1K$1K$0Yes
2018-02-21$125K$125K$0No
2018-02-21$99K$99K$0No
2018-02-21$30K$30K$0No
2018-02-21$5K$5K$0Yes
2018-02-21$0——Yes
2018-02-21$0——Yes
2018-02-21$12K$12K$0Yes
2018-02-21$0——Yes
2018-02-20$12K$11K$1KYes
2018-02-20$30K$28K$2KYes
2018-02-20$9K$8K$770.62Yes
2018-02-20$72K$72K$0Yes
2018-02-20$3K$3K$0Yes
2018-02-20$22K$17K$5KYes
2018-02-20$5K$5K$0No
2018-02-20$41K$41K$0Yes
2018-02-20$26K$26K$0Yes
2018-02-19$0——Yes
2018-02-19$7K$7K$0Yes
2016-09-10$7K$0$7KYes
2016-08-17$0——Yes
2016-08-16$59K$46K$13KYes
2016-08-16$436.34$0$436.34Yes
2016-08-16$2K$2K$0Yes
2016-08-16$15K$15K$0Yes
2016-08-16$0——Yes
2016-08-16$4K$4K$0Yes
2016-08-16$0——Yes
2016-08-16$22K$22K$0No
2016-08-16$6K$6K$0Yes
2016-08-16$0——Yes
2016-08-15$11K$11K$0Yes
2016-08-15$18K$18K$0Yes
2016-08-15$19K$19K$0Yes
2016-08-15$76K$57K$19KYes
2016-08-15$4K$4K$0Yes
2016-08-15$16K$16K$0Yes
2016-08-15$30K$30K$0No
2016-08-15$3K$3K$0Yes
2016-08-15$23K$23K$0No
2016-08-15$0——No
2016-08-15$154.45$154.45$0Yes
2015-07-18$4K$2K$2KYes
2011-04-26$0——No
2010-07-23$0——Yes
2009-03-11$3K$3K$0Yes
2009-03-08$3K$3K$0Yes
2009-03-08$7K$7K$0Yes
2008-12-22$0——No
2008-09-14$7K$7K$0Yes
2008-09-14$24K$20K$4KNo
2008-09-14$8K$8K$0Yes
2008-09-14$0——Yes
2008-09-14$315.57$315.57$0Yes
2008-09-14$0——No
2008-09-13$0——Yes
2008-09-13$0——Yes
2008-09-13$0——Yes
2008-09-12$9K$9K$0Yes
2008-02-06$2K$2K$0Yes
2008-01-09$0——No
2008-01-09$0——Yes
2008-01-08$0——Yes
2008-01-08$3K$3K$0Yes
2008-01-08$4K$4K$0Yes
2008-01-08$4K$4K$0Yes
2008-01-08$3K$3K$0Yes
2008-01-08$3K$3K$0Yes
2008-01-08$5K$5K$0No
2008-01-08$923.56$923.56$0Yes
2008-01-07$18K$12K$5KYes
2005-01-12$12K$12K$0Yes
2002-05-16$0——Yes
2001-06-11$0——Yes
2001-02-24$0——Yes
2000-06-13$0——Yes
2000-03-11$0——Yes
1998-01-12$3K$3K$0No
1997-06-15$0——No
1996-07-18$0——Yes
1996-07-17$0——No
1996-06-10$5K$5K$0Yes
1996-06-09$1K$673.19$454.48No
1996-06-09$893.77$893.77$0No
1996-06-09$29K$22K$8KNo
1996-06-09$0——No
1996-06-09$3K$3K$0Yes
1996-06-09$4K$4K$261.07Yes

ALSO CHECKED

18 more data areas were checked for St. Joseph 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 ST. JOSEPH COUNTY →Opens the loan explorer already filtered to county FIPS 18141.

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.