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State markets/Iowa/Polk County

COUNTY MORTGAGE MARKET · FIPS 19153

Polk County, Iowa

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

Origination volume · 2025

$3.45B

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

Originations · 2025

13,877

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

Denial rate · 2025

12.3%

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

Lenders active · 2025

370

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

Concentration (HHI)

337

unconcentrated

Top-5 lender share

32.8%

of originations

Purchase

70.3%

7,647 loans

Refinance

29.7%

3,238 loans

Origination trend

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

Lenders in Polk County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Polk County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR POLK COUNTY →

TOP TEN LENDERS IN POLK COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,906$392.4M$392.4M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,683$264.5M$264.5M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,020$189.3M$189.3M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
7$142.3M$142.3M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
338$141.7M$141.7M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
365$105.2M$105.2M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
455$87.4M$87.4M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
307$85.5M$85.5M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
117$83.3M$83.3M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
76$81.1M$81.1M originated in Polk County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Polk County

All 42 ZIP Code Tabulation Areas that touch Polk County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
42 OF 42 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.46,98913.1%12,247——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 13 Polk County tracts this ZIP area touches sit mostly inside it.42,72433.3%11,102——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Polk County tracts this ZIP area touches sit mostly inside it.35,16237.7%8,247——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.34,80131.6%10,120——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.33,57622.5%10,068——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Polk County tracts this ZIP area touches sit mostly inside it.28,19721.3%7,829——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Polk County tracts this ZIP area touches sit mostly inside it.26,14019.0%7,083——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Polk County tracts this ZIP area touches sit mostly inside it.24,15536.5%6,524——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.19,56914.9%4,693——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.16,41351.8%3,751——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Polk County tracts this ZIP area touches sit mostly inside it.15,98421.6%4,351——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Polk County tracts this ZIP area touches sit mostly inside it.15,68436.6%3,329——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Polk County tracts this ZIP area touches sit mostly inside it.14,83213.1%3,579——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Polk County tracts this ZIP area touches sit mostly inside it.14,8327.8%4,015——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 10 Polk County tracts this ZIP area touches sit mostly inside it.14,28614.7%4,492——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Polk County tracts this ZIP area touches sit mostly inside it.12,08924.0%2,663——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Polk County tracts this ZIP area touches sit mostly inside it.11,32633.8%2,985——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Polk County tracts this ZIP area touches sit mostly inside it.11,04610.5%2,993——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
33 of the 5 Polk County tracts this ZIP area touches sit mostly inside it.10,95428.5%3,330——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.10,41116.1%2,913——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Polk County tracts this ZIP area touches sit mostly inside it.8,89875.8%1,309——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Polk County tracts this ZIP area touches sit mostly inside it.8,74465.6%1,622——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Polk County tracts this ZIP area touches sit mostly inside it.8,37127.5%565——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Polk County tracts this ZIP area touches sit mostly inside it.6,6009.8%1,872——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Polk County tracts this ZIP area touches sit mostly inside it.5,9258.9%1,730——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Polk County tract this ZIP area touches sit mostly inside it.5,33222.3%1,519——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Polk County tract this ZIP area touches sit mostly inside it.4,97213.3%1,825——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Polk County tracts this ZIP area touches sit mostly inside it.4,38942.9%1,396——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Polk County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

112 of Polk County’s 112 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Polk County

All 112 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.

112 OF 112 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low45.0%3,56940.0%OPEN →
Moderate67.0%3,97126.3%OPEN →
Moderate75.5%2,08727.8%OPEN →
Middle81.2%2,67633.3%OPEN →
Moderate73.8%3,74332.3%OPEN →
Low49.6%4,44039.2%OPEN →
Moderate62.2%4,75443.7%OPEN →
Moderate60.0%4,64148.0%OPEN →
Moderate73.2%4,02340.1%OPEN →
Moderate77.4%3,53765.5%OPEN →
Middle81.9%3,39738.9%OPEN →
Middle91.9%3,13419.2%OPEN →
Middle84.4%3,19734.0%OPEN →
Middle81.6%6,09436.6%OPEN →
Middle115.4%3,45313.8%OPEN →
Moderate61.4%3,99829.3%OPEN →
Middle82.0%3,41724.3%OPEN →
Upper121.1%3,30314.8%OPEN →
Moderate77.5%4,68827.9%OPEN →
Low31.2%4,74452.0%OPEN →
Moderate59.1%3,49477.5%OPEN →
Moderate74.6%2,86544.1%OPEN →
Moderate54.0%2,82481.4%OPEN →
Moderate67.3%1,98536.6%OPEN →
Moderate72.9%4,37131.9%OPEN →
Low47.5%4,71841.6%OPEN →
Moderate57.1%2,20860.5%OPEN →
Middle90.9%3,85744.7%OPEN →
Middle91.3%3,21025.9%OPEN →
Moderate52.8%4,04520.8%OPEN →
Middle107.2%2,10513.3%OPEN →
Upper194.5%3,3549.8%OPEN →
Upper207.8%1,82611.5%OPEN →
Upper168.2%2,90212.2%OPEN →
Low45.7%3,78464.5%OPEN →
Middle86.5%5,48156.9%OPEN →
Moderate75.9%3,80945.4%OPEN →
Middle109.2%3,24517.0%OPEN →
Middle90.2%3,13520.7%OPEN →
Moderate71.2%3,14738.9%OPEN →
Middle82.5%4,72331.4%OPEN →
Moderate53.5%4,17050.5%OPEN →
Moderate68.7%4,09243.3%OPEN →
Middle85.2%2,57725.6%OPEN →
Moderate67.3%6,66145.7%OPEN →
Middle85.3%3,66728.0%OPEN →
Moderate67.1%4,27236.1%OPEN →
Moderate51.1%2,99043.4%OPEN →
Moderate53.5%3,05571.2%OPEN →
Moderate52.4%1,68770.2%OPEN →
Low26.8%3,71776.7%OPEN →
Upper126.5%7,04026.2%OPEN →
Upper137.0%1,33134.0%OPEN →
Low44.2%3,20760.2%OPEN →
Moderate74.7%2,63344.4%OPEN →
Upper138.0%5,9258.9%OPEN →
Upper123.2%11,04610.5%OPEN →
Upper128.4%7,86413.2%OPEN →
Upper122.7%4,53112.4%OPEN →
Middle93.2%4,37912.7%OPEN →
Middle109.5%6,22515.2%OPEN →
Middle114.2%3,87113.7%OPEN →
Middle106.9%4,19014.7%OPEN →
Middle119.7%4,7448.5%OPEN →
Middle114.0%9,29915.7%OPEN →
Upper168.3%7,0479.5%OPEN →
Middle110.1%16,17213.1%OPEN →
Middle114.4%4,68219.8%OPEN →
Middle91.0%3,87020.1%OPEN →
Upper154.4%4,41814.4%OPEN →
Middle103.1%3,94326.7%OPEN →
Middle106.4%4,24821.1%OPEN →
Middle85.3%2,53520.2%OPEN →
Middle88.5%4,50126.8%OPEN →
Moderate73.5%6,29718.3%OPEN →
Middle87.3%2,62213.8%OPEN →
Middle103.9%7,14221.3%OPEN →
Middle112.4%6,6009.8%OPEN →
Middle91.8%5,26417.6%OPEN →
Middle86.9%3,89217.9%OPEN →
Middle117.6%5,99013.2%OPEN →
Middle95.6%4,42311.2%OPEN →
Middle82.4%5,02119.4%OPEN →
Middle119.0%5,39013.1%OPEN →
Middle108.2%7,14841.2%OPEN →
Moderate72.5%4,38942.9%OPEN →
Moderate69.9%3,52731.4%OPEN →
Middle113.3%4,70515.8%OPEN →
Upper131.6%3,79116.8%OPEN →
Upper165.1%5,64414.9%OPEN →
Middle114.9%6,80922.1%OPEN →
Upper135.9%5,32220.7%OPEN →
Moderate62.9%5,20530.0%OPEN →
Middle114.5%4,21721.3%OPEN →
Middle117.4%2,39733.0%OPEN →
—0.0%4,04831.3%OPEN →
Middle104.8%5,33222.3%OPEN →
Upper168.4%3,62814.4%OPEN →
Middle92.2%3,66956.0%OPEN →
Upper126.3%3,65714.8%OPEN →
Upper142.3%4,2789.6%OPEN →
Middle113.1%3,12811.8%OPEN →
Middle92.7%7,42615.7%OPEN →
Upper181.5%4,97213.3%OPEN →
Middle93.9%3,19332.9%OPEN →
Upper214.1%2,97014.3%OPEN →
Middle88.8%6,75119.9%OPEN →
Upper147.1%7,7856.2%OPEN →
—0.0%00.0%OPEN →
Middle106.3%3,90617.7%OPEN →
Upper165.0%6,60116.7%OPEN →
Upper162.1%2,71912.6%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

503,175

Median household income

$83,576

Median home value

$262,100

Median gross rent

$1,149

per month

Owner-occupied

67.4%

of occupied units

Housing units

218,486

6.0% vacant

Poverty rate

10.3%

Unemployment

4.4%

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 92.0

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Tornado Relatively High · Hail Relatively High · Strong wind Very High · Heat wave 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

82

Declarations recorded

20

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

Everything we hold on Polk County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Polk County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Polk County →Every reported application and origination in FIPS 19153, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Polk County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

669

—

Purchase share

48.4%

324 loans

IRRRL refinances

263

Cash-out refinances

82

2026669—32426382
2025681—410162109
2024522—3925674
2023515—425189
2022——584185196
20211,769—642978149
20201,383—534670179
2019761—48495182
2018845—54860237
2017973—533199241
2016959—528235196
2015884—525193166

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Polk County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Polk County building permits

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

Single-family · 2025

2,306

+0.5% vs 2024

Multifamily · 2025

2,424

+270.6% vs 2024

Total authorized · 2025

4,730

+60.4% vs 2024

Permit valuation · 2025

$1.3B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420254,730 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Polk County, showing population movement and wealth transfer.

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

outflow2223Dallas County, IA2,5314,241$210.0M
inflow2223Dallas County, IA2,1253,341$180.5M
outflow2223Other flows - South, DS1,2312,041$91.7M
inflow2223Other flows - South, DS1,1081,951$86.7M
inflow2223Other flows - Midwest, DS1,0821,714$66.4M
outflow2223Other flows - Midwest, DS9981,701$60.5M
inflow2223Story County, IA8631,203$50.4M
outflow2223Warren County, IA8431,629$61.4M
inflow2223Warren County, IA6481,001$36.1M
outflow2223Story County, IA607965$31.1M
inflow2223Other flows - West, DS566958$36.9M
outflow2223Other flows - West, DS528873$39.6M
inflow2223Jasper County, IA337535$17.5M
inflow2223Other flows - Northeast, DS323543$18.6M
outflow2223Other flows - Northeast, DS321505$18.5M
outflow2223Jasper County, IA309562$18.0M
inflow2223Johnson County, IA276348$12.7M
inflow2223Linn County, IA253380$13.5M
inflow2223Black Hawk County, IA244348$12.3M
outflow2223Cook County, IL228287$14.1M
outflow2223Johnson County, IA227297$11.1M
outflow2223Maricopa County, AZ192282$14.0M
inflow2223Marion County, IA179278$9.9M
inflow2223Cook County, IL174262$11.7M
outflow2223Hennepin County, MN171246$10.5M
inflow2223Maricopa County, AZ157254$10.7M
outflow2223Marion County, IA154283$9.7M
inflow2223Boone County, IA152229$9.6M
outflow2223Linn County, IA150225$8.4M
inflow2223Marshall County, IA148236$8.0M
outflow2223Boone County, IA132216$7.9M
outflow2223Black Hawk County, IA127189$6.7M
outflow2223Madison County, IA126234$8.4M
inflow2223Scott County, IA125188$8.5M
inflow2223Madison County, IA117198$7.6M
outflow2223Douglas County, NE113164$7.0M
inflow2223Hennepin County, MN112157$9.4M
inflow2223Douglas County, NE108178$6.8M
outflow2223Marshall County, IA108170$5.2M
outflow2223Scott County, IA107182$11.7M
inflow2223Webster County, IA104134$5.2M
inflow2223Cerro Gordo County, IA103153$7.8M
inflow2223Woodbury County, IA94149$5.9M
inflow2223Wapello County, IA86145$4.6M
inflow2223Los Angeles County, CA80138$4.5M
outflow2223Denver County, CO77105$5.0M
inflow2223Carroll County, IA74110$5.1M
outflow2223Johnson County, KS73118$7.2M
outflow2223Guthrie County, IA72140$6.5M
outflow2223Jackson County, MO72119$5.2M
outflow2223Dallas County, TX7095$3.2M
inflow2223Johnson County, KS67110$6.6M
inflow2223Poweshiek County, IA67112$5.3M
inflow2223Dubuque County, IA6693$4.0M
outflow2223Clark County, NV63109$5.2M
outflow2223Webster County, IA6293$2.0M
outflow2223Los Angeles County, CA6191$3.1M
inflow2223Denver County, CO6087$4.3M
inflow2223Harris County, TX59114$4.5M
outflow2223Harris County, TX5999$2.8M
inflow2223Guthrie County, IA5887$3.1M
inflow2223Mahaska County, IA5778$2.9M
outflow2223King County, WA5769$2.6M
outflow2223Clarke County, IA54101$2.8M
outflow2223Ramsey County, MN5475$4.3M
inflow2223Dallas County, TX5498$3.3M
inflow2223Clarke County, IA5388$1.7M
outflow2223Dane County, WI5372$3.0M
inflow2223San Diego County, CA5397$3.8M
outflow2223Travis County, TX5165$3.7M
inflow2223Clark County, NV5191$2.5M
inflow2223Pottawattamie County, IA5181$2.9M
inflow2223Union County, IA5083$2.1M
inflow2223Jackson County, MO4963$2.4M
outflow2223Cerro Gordo County, IA4773$2.8M
outflow2223Foreign - Overseas, FR4789$4.2M
outflow2223San Diego County, CA4658$2.8M
outflow2223Woodbury County, IA4672$2.4M
outflow2223Mecklenburg County, NC4664$2.9M
inflow2223El Paso County, CO4571$2.5M
outflow2223Mahaska County, IA4383$2.9M
inflow2223Hardin County, IA4355$2.4M
inflow2223Rock Island County, IL4264$1.9M
inflow2223Lee County, FL4268$4.8M
inflow2223Tarrant County, TX4060$2.4M
inflow2223Hamilton County, IA4056$2.1M
outflow2223Sarpy County, NE3958$2.5M
inflow2223DuPage County, IL3962$2.9M
outflow2223Dubuque County, IA3950$2.4M
outflow2223Dakota County, MN3968$2.9M
outflow2223Lancaster County, NE3962$2.2M
inflow2223Minnehaha County, SD3861$1.6M
outflow2223Poweshiek County, IA3754$2.6M
outflow2223Wake County, NC3769$4.8M
outflow2223Lucas County, IA3769$1.6M
inflow2223Salt Lake County, UT3661$2.0M
inflow2223Arapahoe County, CO3659$2.0M
inflow2223Decatur County, IA3659$1.7M
outflow2223Wapello County, IA3555$1.3M
inflow2223Lucas County, IA3455$1.4M
inflow2223Dakota County, MN3445$1.9M
outflow2223Union County, IA3450$1.4M
outflow2223El Paso County, CO3350$1.6M
outflow2223Hillsborough County, FL3356$2.4M
outflow2223District of Columbia, DC3338$3.0M
outflow2223Pima County, AZ3356$3.4M
inflow2223Appanoose County, IA3349$1.6M
inflow2223Greene County, IA3346$1.4M
inflow2223Dane County, WI3346$2.5M
inflow2223Foreign - Overseas, FR3351$2.1M
outflow2223Milwaukee County, WI3246$1.4M
inflow2223Bremer County, IA3248$2.1M
inflow2223King County, WA3248$2.2M
inflow2223Crawford County, IA3247$1.3M
inflow2223Cass County, IA3245$1.8M
outflow2223Pottawattamie County, IA3260$1.7M
outflow2223Minnehaha County, SD3260$2.0M
outflow2223Duval County, FL3152$1.9M
outflow2223Clay County, MO3144$2.3M
inflow2223Ramsey County, MN3146$2.3M
inflow2223Clinton County, IA3145$1.4M
inflow2223Buena Vista County, IA3169$1.9M
outflow2223Lee County, FL3053$5.6M
outflow2223Jefferson County, CO3038$2.1M
outflow2223Tarrant County, TX3053$3.2M
outflow2223Bexar County, TX3051$1.8M
outflow2223Jefferson County, KY3054$1.5M
inflow2223Muscatine County, IA3039$1.3M
inflow2223St. Louis County, MO3043$2.7M
outflow2223Rock Island County, IL3044$1.5M
outflow2223New York County, NY2930$2.3M
outflow2223Davidson County, TN2940$1.4M
inflow2223Tama County, IA2936$2.0M
outflow2223Olmsted County, MN2937$1.5M
inflow2223Lancaster County, NE2940$2.2M
inflow2223San Bernardino County, CA2955$1.7M
outflow2223Larimer County, CO2843$2.4M
outflow2223DuPage County, IL2835$1.8M
outflow2223Hardin County, IA2840$1.3M
outflow2223Franklin County, OH2839$1.4M
outflow2223Multnomah County, OR2835$1.7M
inflow2223Des Moines County, IA2844$1.6M
inflow2223Monroe County, IA2853$1.6M
inflow2223Franklin County, OH2849$1.8M
outflow2223St. Louis County, MO2741$2.0M
inflow2223Sarpy County, NE2752$1.9M
inflow2223Dickinson County, IA2742$2.1M
inflow2223Orange County, FL2737$1.2M
outflow2223Pinellas County, FL2636$2.3M
outflow2223Adair County, IA2646$1.4M
inflow2223Orange County, CA2640$2.5M
inflow2223Larimer County, CO2633$1.8M
outflow2223Marion County, IN2531$983K
outflow2223Arapahoe County, CO2536$1.4M
inflow2223Pinellas County, FL2543$2.0M
inflow2223Lake County, IL2532$1.3M
inflow2223Adair County, IA2533$1.3M
inflow2223Plymouth County, IA2538$1.7M
inflow2223Clay County, MO2550$1.6M
inflow2223Cass County, ND2535$1.4M
outflow2223Kings County, NY2526$1.7M
outflow2223Carroll County, IA2544$1.7M
outflow2223Greene County, IA2443$1.3M
inflow2223Calhoun County, IA2434$914K
inflow2223Anoka County, MN2448$1.5M
inflow2223Bexar County, TX2438$1.1M
inflow2223Foreign - Other flows, FR2458$1.3M
outflow2223Collin County, TX2444$2.7M
outflow2223Wayne County, IA2433$930K
inflow2223Pima County, AZ2439$1.2M
inflow2223Hillsborough County, FL2334$1.1M
outflow2223Foreign - Other flows, FR2342$1.2M
outflow2223Wayne County, MI2339$956K
outflow2223Hamilton County, IA2332$1.2M
inflow2223Duval County, FL2353$1.0M
inflow2223Travis County, TX2334$1.6M
inflow2223Milwaukee County, WI2230$1.3M
outflow2223St. Louis city, MO2226$1.6M
inflow2223Sacramento County, CA2242$1.1M
inflow2223Douglas County, CO2237$1.6M
inflow2223Jefferson County, CO2232$1.8M
inflow2223Henry County, IA2225$989K
inflow2223Kossuth County, IA2233$1.4M
inflow2223Olmsted County, MN2231$1.3M
inflow2223Washington County, MN2240$1.8M
inflow2223Collin County, TX2243$1.8M
inflow2223Jones County, IA2135$1.3M
outflow2223Manatee County, FL2141$2.9M
inflow2223Washington County, IA2138$1.4M
inflow2223Marion County, IN2137$2.0M
inflow2223Adams County, CO2134$1.2M
outflow2223Tama County, IA2035$586K
inflow2223Wright County, IA2027$1.3M
outflow2223Pierce County, WA2028$1.3M
outflow2223Pinal County, AZ2036$1.7M
outflow2223Lake County, IL2032$1.5M
inflow2122Foreign - Other flows, FR———
outflow2122Dallas County, IA2,5754,456$212.2M
inflow2122Dallas County, IA2,1073,418$153.3M
outflow2122Other flows - South, DS1,5862,529$111.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Polk County.

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

2023PurchaseNo CharacteristicAll Appraisals4,765.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals896.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,661.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals272,500.0
2023BothNo CharacteristicAll Appraisals278,000.0
2023PurchaseNo CharacteristicAll Appraisals280,000.0
2023PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals269,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals270,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,029.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals261,000.0
2022BothNo CharacteristicAll Appraisals8,036.0
2022PurchaseNo CharacteristicAll Appraisals6,007.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals255,600.0
2021BothNo CharacteristicAll Appraisals13,392.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals7,602.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals5,790.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals255,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals255,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals14,827.0
2020PurchaseNo CharacteristicAll Appraisals7,448.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals249,000.0
2020RefinanceNo CharacteristicAll Appraisals265,000.0
2020RefinanceNo CharacteristicAll Appraisals7,379.0
2020PurchaseNo CharacteristicAll Appraisals233,800.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals232,000.0
2019PurchaseNo CharacteristicAll Appraisals6,216.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals245,000.0
2019BothNo CharacteristicAll Appraisals10,658.0
2019RefinanceNo CharacteristicAll Appraisals4,442.0
2019PurchaseNo CharacteristicAll Appraisals223,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals209,000.0
2018BothNo CharacteristicAll Appraisals8,943.0
2018PurchaseNo CharacteristicAll Appraisals6,600.0
2018RefinanceNo CharacteristicAll Appraisals2,343.0
2018BothNo CharacteristicAll Appraisals208,000.0
2018PurchaseNo CharacteristicAll Appraisals208,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals210,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals9,863.0
2017PurchaseNo CharacteristicAll Appraisals6,717.0
2017PurchaseNo CharacteristicAll Appraisals207,000.0
2017RefinanceNo CharacteristicAll Appraisals3,146.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals208,000.0
2016PurchaseNo CharacteristicAll Appraisals6,073.0
2016RefinanceNo CharacteristicAll Appraisals225,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals201,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals213,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals10,897.0
2016RefinanceNo CharacteristicAll Appraisals4,824.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals195,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals200,000.0
2015BothNo CharacteristicAll Appraisals9,276.0
2015RefinanceNo CharacteristicAll Appraisals3,768.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals5,508.0
2015BothNo CharacteristicAll Appraisals197,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals183,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05287,590278,9008,6903.0%
2026-04286,061278,5277,5342.6%
2026-03285,751276,1279,6243.4%
2026-02286,408276,15110,2573.6%
2026-01286,572275,48711,0853.9%
2025-12288,625278,49210,1333.5%
2025-11291,017280,79310,2243.5%
2025-09287,784278,0039,7813.4%
2025-08291,761279,78411,9774.1%
2025-07289,808278,50511,3033.9%
2025-06290,175279,40710,7683.7%
2025-05286,186276,3199,8673.4%
2025-04284,612275,5879,0253.2%
2025-03283,654273,13210,5223.7%
2025-02285,547274,51911,0283.9%
2025-01285,501273,50411,9974.2%
2024-12282,436272,9479,4893.4%
2024-11284,411274,5769,8353.5%
2024-10283,373273,8909,4833.3%
2024-09283,095274,3728,7233.1%
2024-08286,358275,34111,0173.8%
2024-07286,474275,99310,4813.7%
2024-06284,059274,7109,3493.3%
2024-05280,731273,0687,6632.7%
2024-04280,609274,2926,3172.3%
2024-03280,266272,3977,8692.8%
2024-02281,447273,0188,4293.0%
2024-01278,357268,8619,4963.4%
2023-12278,978271,7697,2092.6%
2023-11282,148274,8757,2732.6%
2023-10281,516273,2648,2522.9%
2023-09280,147272,6417,5062.7%
2023-08282,596273,8858,7113.1%
2023-07284,786276,0318,7553.1%
2023-06282,219273,8028,4173.0%
2023-05278,601271,0887,5132.7%
2023-04278,549272,3506,1992.2%
2023-03275,449267,0078,4423.1%
2023-02276,735267,9958,7403.2%
2023-01277,245267,3569,8893.6%
2022-12274,067266,3237,7442.8%
2022-11275,836268,1557,6812.8%
2022-10278,045270,2047,8412.8%
2022-09276,639269,5437,0962.6%
2022-08278,121269,3438,7783.2%
2022-07278,748270,3778,3713.0%
2022-06276,524268,8177,7072.8%
2022-05272,176265,4456,7312.5%
2022-04270,627264,8385,7892.1%
2022-03271,069263,3267,7432.9%
2022-02271,211262,9368,2753.1%
2022-01268,647258,8899,7583.6%
2021-12268,257261,0277,2302.7%
2021-11269,636262,1457,4912.8%
2021-10272,225263,9928,2333.0%
2021-09269,685261,0458,6403.2%
2021-08273,335262,34410,9914.0%
2021-07275,984263,82412,1604.4%
2021-06271,445257,66713,7785.1%
2021-05267,674255,18612,4884.7%
2021-04266,714254,87111,8434.4%
2021-03264,371251,95612,4154.7%
2021-02262,810249,30913,5015.1%
2021-01261,667247,60414,0635.4%
2020-12260,971248,99411,9774.6%
2020-11260,883249,99910,8844.2%
2020-10263,992253,34010,6524.0%
2020-09262,061249,07012,9915.0%
2020-08262,316247,61214,7045.6%
2020-07264,614246,46818,1466.9%
2020-06264,511242,32222,1898.4%
2020-05260,937234,80126,13610.0%
2020-04269,642235,77333,86912.6%
2020-03267,980258,8949,0863.4%
2020-02272,156264,6027,5542.8%
2020-01272,861263,9858,8763.3%
2019-12272,462265,5466,9162.5%
2019-11275,614269,0496,5652.4%
2019-10278,620272,0536,5672.4%
2019-09275,712269,4466,2662.3%
2019-08277,731270,1877,5442.7%
2019-07280,176271,8838,2933.0%
2019-06277,504269,5667,9382.9%
2019-05273,458266,6216,8372.5%
2019-04273,606267,1296,4772.4%
2019-03271,555262,7288,8273.3%
2019-02269,993261,7858,2083.0%
2019-01269,757260,1819,5763.5%
2018-12267,904260,7437,1612.7%
2018-11268,494262,6515,8432.2%
2018-10270,752264,8765,8762.2%
2018-09267,374261,6595,7152.1%
2018-08269,377262,7856,5922.4%
2018-07273,520266,2587,2622.7%
2018-06271,821264,6617,1602.6%
2018-05267,774261,7416,0332.3%
2018-04267,227261,1336,0942.3%
2018-03266,258258,4127,8462.9%
2018-02266,339258,0468,2933.1%
2018-01263,880254,5659,3153.5%

BEA Personal Income

2024$36.03B516,185$70K
2023$34.05B507,487$67K
2022$31.92B501,261$64K
2021$30.80B497,903$62K
2020$28.32B493,039$57K
2019$26.30B489,825$54K
2018$25.42B485,146$52K
2017$24.55B480,017$51K
2016$23.80B473,778$50K
2015$22.98B466,832$49K
2014$21.82B460,515$47K
2013$20.34B452,356$45K
2012$20.35B444,460$46K
2011$18.99B438,620$43K
2010$18.40B432,327$43K
2009$17.67B425,737$42K
2008$18.08B419,495$43K
2007$17.38B413,024$42K
2006$16.73B405,990$41K
2005$15.67B399,030$39K
2004$15.00B392,164$38K
2003$14.04B388,277$36K
2002$13.59B384,355$35K
2001$13.17B380,108$35K
2000$12.55B375,627$33K
1999$11.86B370,592$32K
1998$11.31B365,086$31K
1997$10.42B360,985$29K
1996$9.85B357,986$28K
1995$9.30B354,096$26K
1994$8.68B349,349$25K
1993$8.17B345,143$24K
1992$7.84B339,643$23K
1991——$22K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-07-04$0$0$0No
2026-07-04$0$0$0Yes
2026-07-04$0$0$0No
2026-07-04$0$0$0No
2026-07-03$50K$50K$0No
2026-07-03$20K$20K$0No
2026-07-03$0$0$0Yes
2026-07-03$15K$15K$0No
2026-07-03$50K$50K$0No
2026-07-03$0$0$0No
2026-07-03$16K$15K$1KYes
2026-07-03$8K$7K$110.12Yes
2026-07-03$0——Yes
2026-07-03$0$0$0Yes
2026-07-03$0$0$0No
2026-07-03$0$0$0Yes
2026-07-03$50K$50K$0No
2026-07-03$0——No
2026-07-03$0$0$0No
2026-07-03$0$0$0No
2026-07-03$0$0$0No
2026-07-03$50K$50K$0No
2026-07-03$0$0$0No
2026-07-03$0——Yes
2026-04-19$0$0$0No
2026-04-15$2K$2K$0Yes
2025-07-30$0$0$0Yes
2024-07-31$47K$32K$15KYes
2024-05-21$133.99$133.99$0Yes
2024-05-20$0$0$0Yes
2024-01-03$0——Yes
2023-02-27$0——Yes
2021-10-24$9K$9K$0Yes
2021-08-03$308.43$308.43$0No
2021-07-31$0$0$0No
2020-03-20$0——Yes
2019-12-22$0$0$0Yes
2019-08-21$5K$5K$0Yes
2019-08-20$0——Yes
2019-07-15$0$0$0Yes
2019-06-23$205.83$205.83$0Yes
2019-06-22$0——No
2019-06-22$2K$2K$0Yes
2019-06-22$62K$54K$7KNo
2019-06-22$22K$12K$10KYes
2019-06-01$0——Yes
2019-05-24$87K$81K$6KNo
2019-05-24$1K$1K$0No
2019-05-24$1K$1K$0Yes
2019-05-24$107K$101K$6KNo
2019-05-17$0——Yes
2019-05-17$0——Yes
2019-04-18$15K$15K$0No
2019-03-13$110K$104K$6KNo
2019-03-13$93K$85K$8KNo
2019-03-13$7K$6K$1KNo
2019-01-08$0——Yes
2018-08-01$0——No
2018-07-02$24K$24K$0No
2018-07-02$17K$17K$0Yes
2018-07-01$55K$50K$5KNo
2018-07-01$50K$0$50KNo
2018-07-01$13K$13K$0Yes
2018-07-01$6K$6K$0Yes
2018-07-01$6K$6K$0Yes
2018-07-01$26K$25K$978.7Yes
2018-07-01$10K$9K$230.34Yes
2018-07-01$165K$125K$40KYes
2018-07-01$0——No
2018-07-01$25K$25K$0Yes
2018-07-01$61K$57K$4KYes
2018-07-01$29K$0$29KNo
2018-07-01$500K$500K$0No
2018-07-01$71K$51K$20KNo
2018-07-01$0——Yes
2018-07-01$4K$4K$0Yes
2018-07-01$37K$30K$7KYes
2018-07-01$0——No
2018-07-01$63K$47K$15KYes
2018-07-01$10K$10K$0Yes
2018-07-01$84K$0$84KNo
2018-07-01$19K$19K$0Yes
2018-07-01$11K$11K$472.38Yes
2018-07-01$0——No
2018-07-01$80K$53K$28KYes
2018-07-01$208K$157K$51KYes
2018-07-01$3K$3K$0Yes
2018-07-01$0——Yes
2018-07-01$50K$0$50KNo
2018-06-30$44K$34K$10KYes
2018-06-30$187K$158K$30KNo
2018-06-30$0$0$0No
2018-06-30$5K$5K$0No
2018-06-30$1K$1K$0Yes
2018-06-30$0——No
2018-06-30$2K$2K$0Yes
2018-06-30$14K$14K$0Yes
2018-06-30$90K$72K$18KYes
2018-06-30$23K$23K$0No
2018-06-30$28K$15K$13KYes

ALSO CHECKED

18 more data areas were checked for Polk County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the IA state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN POLK COUNTY →Opens the loan explorer already filtered to county FIPS 19153.

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