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State markets/Maine/Cumberland County

COUNTY MORTGAGE MARKET · FIPS 23005

Cumberland County, Maine

Who lends in Cumberland 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

$3.14B

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

Originations · 2025

8,187

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

Denial rate · 2025

14.1%

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

Lenders active · 2025

341

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

Concentration (HHI)

311

unconcentrated

Top-5 lender share

30.8%

of originations

Purchase

61.1%

3,659 loans

Refinance

38.9%

2,332 loans

Origination trend

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

Lenders in Cumberland 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 Cumberland 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 CUMBERLAND COUNTY →

TOP TEN LENDERS IN CUMBERLAND 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.

838$299.3M$299.3M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
583$245.5M$245.5M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
368$157.9M$157.9M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
300$131.7M$131.7M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
300$130.6M$130.6M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
185$110.9M$110.9M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
244$93.9M$93.9M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
266$89.4M$89.4M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
305$87.1M$87.1M originated in Cumberland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
277$81.0M$81.0M originated in Cumberland 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 Cumberland County

All 38 ZIP Code Tabulation Areas that touch Cumberland 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.
38 OF 38 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 9 Cumberland County tracts this ZIP area touches sit mostly inside it.28,54921.0%7,295——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Cumberland County tracts this ZIP area touches sit mostly inside it.26,49817.1%7,234——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Cumberland County tracts this ZIP area touches sit mostly inside it.22,80924.8%2,709——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Cumberland County tracts this ZIP area touches sit mostly inside it.22,13511.7%6,800——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Cumberland County tracts this ZIP area touches sit mostly inside it.21,75613.3%5,990——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Cumberland County tracts this ZIP area touches sit mostly inside it.20,40018.7%5,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Cumberland County tracts this ZIP area touches sit mostly inside it.18,4349.4%6,139——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Cumberland County tracts this ZIP area touches sit mostly inside it.18,3369.5%4,905——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Cumberland County tracts this ZIP area touches sit mostly inside it.15,93820.7%3,475——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Cumberland County tracts this ZIP area touches sit mostly inside it.12,44410.0%4,083——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Cumberland County tracts this ZIP area touches sit mostly inside it.9,5358.7%3,362——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.8,9909.4%2,466——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Cumberland County tracts this ZIP area touches sit mostly inside it.8,8696.6%2,634——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.8,7379.7%2,659——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.8,2697.5%2,848——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Cumberland County tract this ZIP area touches sit mostly inside it.7,2426.8%2,180——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Cumberland County tracts this ZIP area touches sit mostly inside it.7,1966.7%2,184——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.5,4188.2%2,003——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.5,0316.1%1,804——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Cumberland County tracts this ZIP area touches sit mostly inside it.4,5367.4%1,705——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Cumberland County tract this ZIP area touches sit mostly inside it.4,0727.1%1,163——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.3,9257.6%1,677——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.3,6468.6%1,616——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Cumberland County tract this ZIP area touches sit mostly inside it.3,4317.2%1,102——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Cumberland County tracts this ZIP area touches sit mostly inside it.3,0807.4%1,091——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Cumberland County tract this ZIP area touches sit mostly inside it.2,4477.8%1,285——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Cumberland County tract this ZIP area touches sit mostly inside it.1,3466.9%541——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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.

80 of Cumberland County’s 81 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 Cumberland County

All 81 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.

81 OF 81 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle93.8%2,40216.5%OPEN →
Moderate54.2%2,41622.3%OPEN →
Middle90.2%3,19222.3%OPEN →
Moderate51.1%2,46937.3%OPEN →
Moderate53.2%3,41039.3%OPEN →
Middle103.0%2,82524.0%OPEN →
Moderate55.1%2,57717.4%OPEN →
Middle85.0%1,39724.8%OPEN →
Upper134.4%3,80025.8%OPEN →
Middle84.8%3,51817.8%OPEN →
Middle90.9%4,37013.5%OPEN →
Middle119.5%3,74613.1%OPEN →
Upper157.1%4,20912.2%OPEN →
Middle94.0%3,56820.0%OPEN →
Middle105.9%2,80323.9%OPEN →
Upper126.5%6,23720.2%OPEN →
Moderate70.7%5,48132.9%OPEN →
Middle106.5%5,26716.4%OPEN →
Middle92.7%3,60929.3%OPEN →
Middle119.6%1,3466.9%OPEN →
Upper175.2%3,5438.3%OPEN →
Upper177.4%3,93611.7%OPEN →
Upper135.0%4,9659.8%OPEN →
Upper123.8%4,23114.2%OPEN →
Middle93.1%5,17523.9%OPEN →
Middle81.1%3,20217.7%OPEN →
Moderate73.6%4,53716.7%OPEN →
Middle90.8%3,25519.7%OPEN →
Middle100.1%3,65115.3%OPEN →
Moderate57.5%3,41046.9%OPEN →
Moderate78.5%3,89515.2%OPEN →
Middle85.9%3,4189.8%OPEN →
Middle105.2%3,27017.7%OPEN →
Middle111.8%4,8049.1%OPEN →
Upper125.3%4,05010.3%OPEN →
Upper171.9%4,2518.9%OPEN →
Upper146.3%5,2848.6%OPEN →
Middle117.7%3,21910.2%OPEN →
Upper138.3%8,17110.0%OPEN →
Middle114.6%6,9468.6%OPEN →
Upper137.5%4,3536.7%OPEN →
Upper165.2%4,5166.5%OPEN →
Middle104.9%5,44710.0%OPEN →
Upper152.2%3,5438.4%OPEN →
Middle112.9%3,4438.2%OPEN →
Upper120.3%5,29410.7%OPEN →
Upper133.6%4,0727.1%OPEN →
Middle118.9%2,1545.4%OPEN →
Middle99.5%6,1158.3%OPEN →
Middle98.5%4,9138.1%OPEN →
Middle97.2%6,12411.0%OPEN →
Middle94.1%4,1799.2%OPEN →
Upper126.4%3,2188.6%OPEN →
Moderate77.8%4,75313.2%OPEN →
Upper129.6%3,6089.0%OPEN →
Middle95.4%3,58710.6%OPEN →
Moderate77.0%3,09113.8%OPEN →
Upper124.4%4,04421.5%OPEN →
Middle118.1%2,6739.8%OPEN →
Middle102.5%7,2426.8%OPEN →
Middle119.5%1,6737.3%OPEN →
Moderate74.5%2,8637.5%OPEN →
Middle99.8%1,5087.6%OPEN →
Middle80.8%2,1389.3%OPEN →
Middle88.1%2,5427.3%OPEN →
Moderate67.4%1,3838.2%OPEN →
Moderate79.0%2,4477.8%OPEN →
Moderate75.1%3,2437.5%OPEN →
Moderate71.2%2,1759.3%OPEN →
Middle88.0%3,4317.2%OPEN →
Middle110.4%3,7266.3%OPEN →
Middle104.4%3,4707.2%OPEN →
Middle81.7%3,0807.4%OPEN →
Middle116.7%2,1186.3%OPEN →
Middle114.8%2,9135.9%OPEN →
Upper140.8%4,8899.1%OPEN →
Upper140.6%5,62019.7%OPEN →
Upper122.7%5,05310.4%OPEN →
Upper156.6%2,5957.1%OPEN →
Upper144.1%3,9788.1%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

308,827

Median household income

$95,677

Median home value

$451,200

Median gross rent

$1,589

per month

Owner-occupied

69.8%

of occupied units

Housing units

153,286

13.8% vacant

Poverty rate

7.3%

Unemployment

3.1%

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 Low

score 77.0

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Winter weather Very 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

103

Declarations recorded

39

Incident types on record: Biological, Coastal Storm, Fishing Losses, Flood, Freezing, Hurricane, Severe Storm, Snowstorm, Winter Storm.

Everything we hold on Cumberland 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 Cumberland County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Cumberland County →Every reported application and origination in FIPS 23005, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Cumberland 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

256

—

Purchase share

37.5%

96 loans

IRRRL refinances

92

Cash-out refinances

68

2026256—969268
2025228—1334451
2024125—771533
2023154—107047
2022——16790137
2021850—141560149
2020789—211428150
2019403—20263138
2018407—21937151
2017464—228114122
2016463—241114108
2015415—2289790

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 Cumberland 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

Cumberland 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

881

+10.4% vs 2024

Multifamily · 2025

875

+49.1% vs 2024

Total authorized · 2025

1,756

+26.8% vs 2024

Permit valuation · 2025

$572.3M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05001K1.5K2K19901992199419961998200020022004200620082010201220142016201820202022202420251,756 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 Cumberland County, showing population movement and wealth transfer.

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

outflow2223York County, ME1,5662,279$115.8M
inflow2223York County, ME1,3101,879$84.0M
outflow2223Other flows - South, DS1,0791,816$101.6M
inflow2223Other flows - South, DS9671,486$85.2M
outflow2223Androscoggin County, ME9001,433$53.9M
inflow2223Other flows - Northeast, DS7421,042$62.6M
inflow2223Androscoggin County, ME583885$30.7M
outflow2223Other flows - Northeast, DS562796$40.6M
inflow2223Other flows - West, DS506774$49.1M
outflow2223Sagadahoc County, ME436688$31.7M
outflow2223Other flows - West, DS432653$32.7M
inflow2223Other flows - Midwest, DS381545$27.1M
outflow2223Kennebec County, ME353531$19.5M
inflow2223Middlesex County, MA341455$46.9M
inflow2223Sagadahoc County, ME330481$20.6M
inflow2223Kennebec County, ME303417$19.7M
outflow2223Other flows - Midwest, DS302483$22.0M
outflow2223Oxford County, ME294479$16.3M
inflow2223Penobscot County, ME241319$16.3M
inflow2223Oxford County, ME228359$16.9M
outflow2223Middlesex County, MA220271$18.7M
inflow2223Suffolk County, MA207271$25.5M
outflow2223Suffolk County, MA196218$13.3M
outflow2223Penobscot County, ME181242$10.8M
inflow2223Essex County, MA134169$22.9M
inflow2223Rockingham County, NH122156$11.2M
inflow2223Lincoln County, ME122167$8.5M
outflow2223Lincoln County, ME115182$8.1M
outflow2223Foreign - Other flows, FR106144$10.3M
inflow2223Kings County, NY104156$12.6M
inflow2223Hillsborough County, NH102123$7.3M
inflow2223Norfolk County, MA97127$12.5M
outflow2223Essex County, MA96141$8.8M
outflow2223Kings County, NY93118$11.7M
inflow2223Worcester County, MA92137$7.1M
inflow2223Knox County, ME88115$9.3M
outflow2223Somerset County, ME88139$5.2M
outflow2223Rockingham County, NH86115$6.7M
inflow2223Aroostook County, ME83116$6.8M
inflow2223Hancock County, ME77102$6.9M
outflow2223New York County, NY7584$7.9M
inflow2223New York County, NY7492$10.1M
inflow2223Strafford County, NH7493$5.6M
outflow2223Norfolk County, MA7398$8.0M
inflow2223Los Angeles County, CA73102$8.4M
outflow2223Hillsborough County, NH6986$4.0M
inflow2223Plymouth County, MA6685$4.4M
inflow2223Somerset County, ME6681$4.0M
inflow2223Chittenden County, VT6580$3.8M
outflow2223Franklin County, ME65102$5.0M
inflow2223Capitol Planning Region, CT6580$4.4M
outflow2223Knox County, ME6392$10.4M
inflow2223Franklin County, ME6383$2.6M
inflow2223District of Columbia, DC6283$8.8M
inflow2223Carroll County, NH6194$4.2M
inflow2223Foreign - Other flows, FR6096$4.0M
outflow2223Maricopa County, AZ60104$3.8M
outflow2223Hancock County, ME5896$3.9M
outflow2223Los Angeles County, CA5775$4.0M
inflow2223Barnstable County, MA5671$4.4M
outflow2223King County, WA5669$3.1M
inflow2223Cook County, IL5585$5.4M
inflow2223Grafton County, NH5474$5.5M
outflow2223Waldo County, ME5481$6.3M
inflow2223Waldo County, ME5367$3.8M
outflow2223Worcester County, MA5264$2.9M
inflow2223Providence County, RI5266$3.3M
outflow2223Strafford County, NH5066$3.0M
inflow2223King County, WA4975$6.2M
outflow2223Aroostook County, ME4865$2.9M
outflow2223Cook County, IL4753$3.4M
outflow2223Pinellas County, FL4669$4.2M
outflow2223Chittenden County, VT4458$2.6M
inflow2223Merrimack County, NH4455$3.3M
inflow2223Maricopa County, AZ4473$4.4M
outflow2223District of Columbia, DC4452$3.1M
inflow2223South Central Connecticut Plannin, CT4368$3.4M
outflow2223Capitol Planning Region, CT4273$4.5M
inflow2223San Diego County, CA4160$3.6M
inflow2223Lee County, FL4173$4.0M
inflow2223Sarasota County, FL4164$6.1M
outflow2223Carroll County, NH4158$5.8M
inflow2223Travis County, TX4065$4.3M
inflow2223Philadelphia County, PA3957$6.0M
inflow2223Western Connecticut Planning Regi, CT3866$10.6M
outflow2223Lee County, FL3859$6.2M
inflow2223Multnomah County, OR3656$3.2M
inflow2223Denver County, CO3652$3.3M
outflow2223Philadelphia County, PA3639$1.5M
outflow2223Providence County, RI3552$2.4M
inflow2223Fairfax County, VA3566$4.0M
outflow2223Palm Beach County, FL3543$4.7M
outflow2223Wake County, NC3452$2.5M
inflow2223Pinellas County, FL3448$2.6M
inflow2223Bristol County, MA3343$3.2M
inflow2223Palm Beach County, FL3251$3.5M
inflow2223Hampden County, MA3250$2.7M
outflow2223Harris County, TX3163$1.8M
outflow2223Sarasota County, FL3156$5.0M
inflow2223Harris County, TX3149$4.6M
inflow2223Suffolk County, NY3137$2.4M
outflow2223Hillsborough County, FL2949$2.0M
inflow2223Queens County, NY2941$3.6M
outflow2223Collier County, FL2948$11.5M
outflow2223Plymouth County, MA2940$1.5M
outflow2223Denver County, CO2930$1.5M
outflow2223San Diego County, CA2838$2.0M
outflow2223Grafton County, NH2731$2.1M
outflow2223Charleston County, SC2734$2.5M
inflow2223Hampshire County, MA2734$1.2M
inflow2223Franklin County, OH2636$2.1M
inflow2223Mecklenburg County, NC2641$2.3M
inflow2223Hillsborough County, FL2646$1.9M
inflow2223Alameda County, CA2641$5.2M
outflow2223Merrimack County, NH2538$1.3M
inflow2223San Francisco County, CA2535$4.6M
inflow2223Jefferson County, CO2533$2.3M
inflow2223Belknap County, NH2533$2.4M
inflow2223Cheshire County, NH2530$1.8M
inflow2223Westchester County, NY2534$4.0M
inflow2223Wake County, NC2541$2.4M
outflow2223Broward County, FL2536$2.1M
outflow2223Queens County, NY2433$2.6M
inflow2223Allegheny County, PA2442$2.8M
outflow2223Bristol County, MA2324$1.1M
outflow2223Multnomah County, OR2325$1.4M
outflow2223Mecklenburg County, NC2324$1.8M
outflow2223South Central Connecticut Plannin, CT2335$1.6M
outflow2223Western Connecticut Planning Regi, CT2326$1.4M
inflow2223Orange County, FL2337$1.6M
outflow2223Boulder County, CO2326$1.3M
inflow2223Monroe County, NY2226$1.4M
outflow2223Travis County, TX2125$2.2M
outflow2223Hampshire County, MA2127$1.1M
outflow2223Orange County, FL2135$2.2M
outflow2223San Francisco County, CA2127$1.9M
inflow2223Montgomery County, MD2134$2.4M
inflow2223Clark County, NV2131$1.4M
inflow2223Baltimore city, MD2140$2.8M
inflow2223Dallas County, TX2032$3.0M
inflow2223Southeastern Connecticut Planning, CT2027$1.7M
inflow2223Bergen County, NJ2029$1.8M
outflow2223Franklin County, OH2030$1.4M
outflow2223Hennepin County, MN2036$1.4M
inflow2223Tarrant County, TX2036$1.3M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122York County, ME1,7382,574$116.3M
inflow2122York County, ME1,3792,019$79.9M
outflow2122Other flows - South, DS9541,601$98.0M
inflow2122Other flows - South, DS9501,598$108.0M
outflow2122Androscoggin County, ME9121,476$47.3M
inflow2122Other flows - Northeast, DS7101,026$91.1M
outflow2122Other flows - Northeast, DS565835$46.5M
inflow2122Androscoggin County, ME556854$41.6M
inflow2122Other flows - West, DS541925$57.2M
outflow2122Other flows - West, DS472691$46.1M
outflow2122Sagadahoc County, ME433661$34.1M
inflow2122Other flows - Midwest, DS395643$33.8M
outflow2122Kennebec County, ME387556$24.3M
inflow2122Middlesex County, MA360516$63.1M
outflow2122Oxford County, ME330537$21.4M
inflow2122Sagadahoc County, ME312459$25.5M
inflow2122Kennebec County, ME278397$16.8M
outflow2122Other flows - Midwest, DS254415$19.3M
inflow2122Oxford County, ME246399$15.3M
inflow2122Penobscot County, ME239307$16.2M
inflow2122Suffolk County, MA228303$32.3M
outflow2122Middlesex County, MA214271$17.7M
outflow2122Penobscot County, ME214304$11.1M
outflow2122Suffolk County, MA155186$23.6M
inflow2122Essex County, MA148199$14.5M
outflow2122Lincoln County, ME146223$12.3M
inflow2122Rockingham County, NH123167$12.3M
inflow2122Norfolk County, MA119179$13.2M
inflow2122Kings County, NY112146$19.8M
inflow2122Hillsborough County, NH109152$7.6M
inflow2122Lincoln County, ME107155$9.2M
outflow2122Rockingham County, NH102146$15.3M
outflow2122Essex County, MA99137$11.4M
inflow2122Worcester County, MA97137$9.9M
inflow2122Hancock County, ME95126$5.7M
outflow2122Kings County, NY94101$7.2M
inflow2122New York County, NY84119$15.8M
outflow2122Franklin County, ME83140$7.1M
outflow2122New York County, NY8296$9.6M
inflow2122Knox County, ME80109$6.3M
outflow2122Knox County, ME79111$7.3M
inflow2122Los Angeles County, CA76113$10.0M
outflow2122Somerset County, ME74129$5.2M
outflow2122Hancock County, ME73118$9.7M
outflow2122Strafford County, NH7295$4.2M
inflow2122Capitol Planning Region, CT71106$7.5M
inflow2122Cook County, IL70104$12.0M
inflow2122District of Columbia, DC69115$19.3M
inflow2122Chittenden County, VT6879$3.1M
outflow2122Waldo County, ME66108$5.1M
inflow2122Aroostook County, ME6488$4.3M
inflow2122Strafford County, NH6169$3.3M
outflow2122Aroostook County, ME6196$2.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Cumberland County.

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

2023PurchaseNo CharacteristicAll Appraisals1,508.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals568.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,076.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals520,000.0
2023BothNo CharacteristicAll Appraisals515,000.0
2023PurchaseNo CharacteristicAll Appraisals515,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals480,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals485,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,376.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals470,000.0
2022BothNo CharacteristicAll Appraisals3,434.0
2022PurchaseNo CharacteristicAll Appraisals2,058.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals425,000.0
2021BothNo CharacteristicAll Appraisals6,796.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,861.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals3,935.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals425,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals425,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals7,506.0
2020PurchaseNo CharacteristicAll Appraisals2,876.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals375,000.0
2020RefinanceNo CharacteristicAll Appraisals380,000.0
2020RefinanceNo CharacteristicAll Appraisals4,630.0
2020PurchaseNo CharacteristicAll Appraisals363,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals342,000.0
2019PurchaseNo CharacteristicAll Appraisals2,865.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals354,000.0
2019BothNo CharacteristicAll Appraisals5,528.0
2019RefinanceNo CharacteristicAll Appraisals2,663.0
2019PurchaseNo CharacteristicAll Appraisals330,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals315,000.0
2018BothNo CharacteristicAll Appraisals4,107.0
2018PurchaseNo CharacteristicAll Appraisals2,708.0
2018RefinanceNo CharacteristicAll Appraisals1,399.0
2018BothNo CharacteristicAll Appraisals315,000.0
2018PurchaseNo CharacteristicAll Appraisals316,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals300,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals4,581.0
2017PurchaseNo CharacteristicAll Appraisals2,715.0
2017PurchaseNo CharacteristicAll Appraisals305,000.0
2017RefinanceNo CharacteristicAll Appraisals1,866.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals305,000.0
2016PurchaseNo CharacteristicAll Appraisals2,752.0
2016RefinanceNo CharacteristicAll Appraisals312,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals290,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals300,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals5,715.0
2016RefinanceNo CharacteristicAll Appraisals2,963.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals270,500.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals290,000.0
2015BothNo CharacteristicAll Appraisals4,683.0
2015RefinanceNo CharacteristicAll Appraisals2,217.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals2,466.0
2015BothNo CharacteristicAll Appraisals280,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals270,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05175,263170,7614,5022.6%
2026-04175,928171,4314,4972.6%
2026-03173,713169,2734,4402.6%
2026-02174,344169,5574,7872.7%
2026-01173,795168,8744,9212.8%
2025-12177,376172,8094,5672.6%
2025-11178,881173,7985,0832.8%
2025-09179,681175,0794,6022.6%
2025-08183,262178,6524,6102.5%
2025-07183,680179,1904,4902.4%
2025-06181,437177,0364,4012.4%
2025-05177,374172,3964,9782.8%
2025-04176,387171,8194,5682.6%
2025-03175,045169,8195,2263.0%
2025-02174,636169,3275,3093.0%
2025-01175,577170,4235,1542.9%
2024-12176,635171,8904,7452.7%
2024-11176,764171,6915,0732.9%
2024-10178,664174,3274,3372.4%
2024-09178,761174,7823,9792.2%
2024-08181,924177,6924,2322.3%
2024-07182,449178,2484,2012.3%
2024-06179,953176,0213,9322.2%
2024-05175,383171,1684,2152.4%
2024-04173,722169,9983,7242.1%
2024-03173,220168,8604,3602.5%
2024-02172,232167,7704,4622.6%
2024-01171,874167,5264,3482.5%
2023-12172,793168,8373,9562.3%
2023-11174,053170,0434,0102.3%
2023-10174,229170,5253,7042.1%
2023-09173,738170,2983,4402.0%
2023-08177,606174,0623,5442.0%
2023-07177,421173,9683,4531.9%
2023-06175,517172,0403,4772.0%
2023-05171,539167,7503,7892.2%
2023-04169,677166,3643,3132.0%
2023-03169,193165,1953,9982.4%
2023-02168,162164,2103,9522.4%
2023-01167,380163,5033,8772.3%
2022-12168,959165,6093,3502.0%
2022-11168,664165,0913,5732.1%
2022-10169,795166,4513,3442.0%
2022-09168,999165,8643,1351.9%
2022-08172,187169,0833,1041.8%
2022-07171,712168,5643,1481.8%
2022-06170,512167,1163,3962.0%
2022-05168,069164,2423,8272.3%
2022-04166,484162,7893,6952.2%
2022-03166,840162,1584,6822.8%
2022-02166,300161,3804,9203.0%
2022-01166,203160,5655,6383.4%
2021-12168,862163,7915,0713.0%
2021-11169,907164,2825,6253.3%
2021-10170,714165,1285,5863.3%
2021-09170,570165,1525,4183.2%
2021-08173,401167,2106,1913.6%
2021-07173,567166,9186,6493.8%
2021-06171,227164,1667,0614.1%
2021-05167,936160,8307,1064.2%
2021-04167,387159,9127,4754.5%
2021-03165,921158,3107,6114.6%
2021-02165,009157,2697,7404.7%
2021-01164,429156,7607,6694.7%
2020-12164,088158,3695,7193.5%
2020-11164,159159,1345,0253.1%
2020-10164,938160,2244,7142.9%
2020-09162,099157,4244,6752.9%
2020-08164,951159,1635,7883.5%
2020-07165,679154,47911,2006.8%
2020-06162,888152,14310,7456.6%
2020-05162,647146,05216,59510.2%
2020-04158,109143,35014,7599.3%
2020-03168,374162,4365,9383.5%
2020-02168,769164,0744,6952.8%
2020-01169,022164,5844,4382.6%
2019-12170,354166,7353,6192.1%
2019-11171,339167,5123,8272.2%
2019-10173,302169,6813,6212.1%
2019-09172,509168,9943,5152.0%
2019-08174,356171,0233,3331.9%
2019-07175,042171,5713,4712.0%
2019-06173,340169,7483,5922.1%
2019-05169,127165,4023,7252.2%
2019-04167,835164,0603,7752.2%
2019-03167,314162,9204,3942.6%
2019-02166,705162,5314,1742.5%
2019-01167,284162,6274,6572.8%
2018-12168,555164,6483,9072.3%
2018-11169,916165,7084,2082.5%
2018-10171,980167,8614,1192.4%
2018-09171,349167,3164,0332.4%
2018-08174,347170,3304,0172.3%
2018-07175,991171,6104,3812.5%
2018-06174,440169,8844,5562.6%
2018-05170,166166,0304,1362.4%
2018-04168,344164,1684,1762.5%
2018-03166,862162,4614,4012.6%
2018-02166,227161,8514,3762.6%
2018-01166,326161,8984,4282.7%

BEA Personal Income

2024$28.29B313,809$90K
2023$26.63B311,258$86K
2022$24.55B309,309$79K
2021$23.22B306,152$76K
2020$20.79B303,606$68K
2019$19.19B300,968$64K
2018$18.07B298,748$60K
2017$17.17B296,403$58K
2016$16.25B294,845$55K
2015$15.49B292,494$53K
2014$14.67B290,532$50K
2013$14.05B287,408$49K
2012$14.06B284,938$49K
2011$13.70B283,417$48K
2010$12.99B281,613$46K
2009$12.56B281,969$45K
2008$12.81B280,681$46K
2007$12.26B278,781$44K
2006$11.83B277,084$43K
2005$11.07B276,275$40K
2004$10.89B274,920$40K
2003$10.27B273,041$38K
2002$9.68B270,533$36K
2001$9.45B268,391$35K
2000$8.93B266,109$34K
1999$8.37B263,931$32K
1998$7.99B260,965$31K
1997$7.41B257,765$29K
1996$6.91B254,894$27K
1995$6.49B252,078$26K
1994$6.15B250,156$25K
1993$5.84B247,235$24K
1992$5.61B245,655$23K
1991——$22K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-05-10$0$0$0Yes
2024-03-10$0——No
2024-03-10$0$0$0No
2024-03-09$0——Yes
2024-01-15$40K$40K$0No
2024-01-14$55K$31K$24KYes
2024-01-14$0$0$0No
2024-01-13$0$0$0No
2024-01-13$7K$7K$0No
2024-01-13$5K$5K$0No
2024-01-13$13K$13K$0No
2024-01-13$0$0$0Yes
2024-01-13$0$0$0Yes
2024-01-13$0$0$0No
2024-01-13$16K$0$16KNo
2024-01-13$149K$149K$0No
2024-01-13$14K$14K$0Yes
2024-01-13$89K$89K$0No
2024-01-13$45K$45K$0Yes
2024-01-13$0$0$0No
2024-01-13$36K$36K$0Yes
2024-01-13$11K$0$11KNo
2024-01-13$13K$7K$6KYes
2024-01-13$47K$47K$0No
2024-01-13$0——No
2024-01-13$237K$237K$0No
2024-01-13$13K$11K$2KYes
2024-01-13$18K$18K$0No
2024-01-13$0$0$0No
2024-01-13$21K$19K$2KYes
2024-01-13$226K$226K$0No
2024-01-13$0$0$0No
2024-01-13$12K$12K$0No
2024-01-13$2K$2K$0Yes
2024-01-13$49K$49K$0Yes
2024-01-13$24K$24K$0Yes
2024-01-13$0$0$0Yes
2024-01-13$90K$90K$0Yes
2024-01-13$136K$95K$41KYes
2024-01-13$12K$12K$0No
2024-01-13$0$0$0Yes
2024-01-13$47K$44K$4KYes
2024-01-13$0——Yes
2024-01-13$0——No
2024-01-13$0$0$0Yes
2024-01-13$4K$4K$0No
2024-01-13$0——No
2024-01-13$79K$79K$0No
2024-01-12$0$0$0No
2024-01-12$0$0$0Yes
2024-01-12$35K$35K$0Yes
2024-01-11$3K$3K$0No
2024-01-10$0——No
2024-01-10$0$0$0No
2024-01-10$5K$0$5KNo
2024-01-10$38K$38K$0No
2024-01-10$7K$7K$0No
2024-01-10$62K$49K$14KNo
2024-01-10$0$0$0No
2024-01-10$6K$6K$0No
2024-01-10$102K$95K$7KNo
2024-01-10$15K$15K$0No
2024-01-10$22K$22K$0No
2024-01-10$0——Yes
2024-01-10$143K$132K$11KNo
2024-01-10$56K$56K$0Yes
2024-01-10$17K$17K$0No
2024-01-10$0——No
2024-01-10$9K$9K$0Yes
2024-01-10$0$0$0Yes
2024-01-10$53K$53K$0No
2024-01-10$37K$37K$0No
2024-01-10$0——No
2024-01-10$0——No
2024-01-10$0——No
2024-01-10$43K$43K$0No
2024-01-10$6K$6K$0No
2024-01-10$10K$10K$0No
2024-01-09$0$0$0No
2024-01-09$4K$4K$0No
2024-01-09$13K$13K$0Yes
2024-01-09$13K$13K$0Yes
2024-01-09$0——No
2024-01-08$8K$8K$0No
2024-01-06$0——No
2024-01-06$10K$10K$0No
2023-11-26$6K$6K$0Yes
2023-05-01$0——Yes
2023-05-01$0——Yes
2022-12-24$29K$29K$0No
2022-12-23$38K$38K$0No
2022-12-23$23K$22K$353.43No
2022-12-23$0$0$0Yes
2022-12-23$13K$13K$0No
2022-12-23$0$0$0Yes
2022-12-23$8K$8K$0Yes
2022-12-22$6K$0$6KNo
2022-04-23$0$0$0No
2020-12-02$0——No
2020-06-01$0$0$0No

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN CUMBERLAND COUNTY →Opens the loan explorer already filtered to county FIPS 23005.

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