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State markets/Maine/Penobscot County

COUNTY MORTGAGE MARKET · FIPS 23019

Penobscot County, Maine

Who lends in Penobscot 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

$793.3M

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

Originations · 2025

3,699

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

Denial rate · 2025

16.8%

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

Lenders active · 2025

226

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

Concentration (HHI)

495

unconcentrated

Top-5 lender share

38.6%

of originations

Purchase

60.4%

1,755 loans

Refinance

39.6%

1,152 loans

Origination trend

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

Lenders in Penobscot 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 Penobscot 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 PENOBSCOT COUNTY →

TOP TEN LENDERS IN PENOBSCOT 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.

613$129.6M$129.6M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
230$62.1M$62.1M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
321$41.4M$41.4M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
215$38.9M$38.9M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
103$34.4M$34.4M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
145$30.8M$30.8M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
112$30.3M$30.3M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
91$26.0M$26.0M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
59$23.5M$23.5M originated in Penobscot County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
77$21.5M$21.5M originated in Penobscot 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 Penobscot County

All 47 ZIP Code Tabulation Areas that touch Penobscot 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.
47 OF 47 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 11 Penobscot County tracts this ZIP area touches sit mostly inside it.46,02211.0%11,025——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Penobscot County tracts this ZIP area touches sit mostly inside it.9,67210.1%2,321——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Penobscot County tracts this ZIP area touches sit mostly inside it.9,65413.4%2,926——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Penobscot County tracts this ZIP area touches sit mostly inside it.9,3047.4%2,901——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Penobscot County tracts this ZIP area touches sit mostly inside it.6,92811.4%1,423——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Penobscot County tracts this ZIP area touches sit mostly inside it.6,7906.0%2,367——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.6,3116.3%2,192——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.4,6018.4%1,561——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.4,4518.5%1,406——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.4,25514.7%107——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Penobscot County tracts this ZIP area touches sit mostly inside it.4,1146.2%1,742——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.3,8125.7%1,369——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.3,8038.6%1,281——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Penobscot County tracts this ZIP area touches sit mostly inside it.3,1336.2%1,084——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,9406.7%1,006——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,8676.1%978——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,6009.2%886——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,5367.6%815——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,4125.1%793——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,3647.2%838——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.2,2215.6%782——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.1,9896.6%822——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.1,8534.4%669——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Penobscot County tracts this ZIP area touches sit mostly inside it.1,8007.7%628——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.1,5725.6%578——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Penobscot County tract this ZIP area touches sit mostly inside it.1,5377.3%729——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Penobscot County tracts this ZIP area touches sit mostly inside it.1,4355.6%546——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Penobscot County tracts this ZIP area touches sit mostly inside it.1,2234.7%423——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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 Penobscot 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.

46 of Penobscot County’s 46 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 Penobscot County

All 46 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.

46 OF 46 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle92.2%3,67414.4%OPEN →
Middle114.1%4,42815.1%OPEN →
Upper152.8%2,25612.1%OPEN →
Middle99.5%3,64611.9%OPEN →
Moderate58.1%2,11014.8%OPEN →
Middle119.5%2,6318.2%OPEN →
Moderate69.4%6,43014.0%OPEN →
Upper150.0%7,7097.8%OPEN →
Upper130.9%3,8125.7%OPEN →
Moderate62.1%1,76213.3%OPEN →
Upper124.7%2,7048.4%OPEN →
Middle106.9%5,20610.0%OPEN →
Upper121.2%1,8149.1%OPEN →
Upper120.6%4,04912.5%OPEN →
Upper183.1%2,8799.9%OPEN →
Moderate65.5%4,25514.7%OPEN →
Moderate76.2%4,80111.1%OPEN →
Middle92.7%2,63010.7%OPEN →
Middle95.5%4,6018.4%OPEN →
Middle100.0%6,3116.3%OPEN →
Upper137.2%6,4616.8%OPEN →
Upper123.3%2,8676.1%OPEN →
Middle120.0%1,5955.3%OPEN →
Moderate79.3%2,5367.6%OPEN →
Middle88.8%3,1336.2%OPEN →
Middle86.0%2,4125.1%OPEN →
Middle104.4%2,2215.6%OPEN →
Middle89.4%3,8038.6%OPEN →
Middle88.8%1,9896.6%OPEN →
Upper121.8%2,9406.7%OPEN →
Middle99.6%2,6009.2%OPEN →
Moderate74.5%1,8538.0%OPEN →
Moderate75.5%1,8007.7%OPEN →
Moderate71.8%2,3647.2%OPEN →
Moderate79.2%1,5377.3%OPEN →
Moderate68.4%1,9375.3%OPEN →
Moderate75.0%4,8536.2%OPEN →
Middle86.0%1,4355.6%OPEN →
Middle86.1%1,2234.7%OPEN →
Moderate73.6%1,8534.4%OPEN →
Moderate76.3%4,1146.2%OPEN →
Middle84.4%1,5725.6%OPEN →
Middle119.3%6,57811.0%OPEN →
Middle97.1%4,4518.5%OPEN →
Middle113.1%5,9946.4%OPEN →
Moderate61.3%37089.2%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

154,710

Median household income

$66,356

Median home value

$214,100

Median gross rent

$1,041

per month

Owner-occupied

70.5%

of occupied units

Housing units

75,683

13.8% vacant

Poverty rate

14.1%

Unemployment

3.6%

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 78.0

Social vulnerability

Relatively 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

78

Declarations recorded

71

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

Everything we hold on Penobscot 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 Penobscot County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Penobscot County →Every reported application and origination in FIPS 23019, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Penobscot 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

283

—

Purchase share

41.0%

116 loans

IRRRL refinances

113

Cash-out refinances

54

2026283—11611354
2025329—1688180
2024260—1793150
2023198—144252
2022——22055103
2021653—21734888
2020544—19128667
2019272—1732277
2018288—1892574
2017324—1896867
2016315—1687374
2015258—1346658

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 Penobscot 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

Penobscot 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

316

−13.9% vs 2024

Multifamily · 2025

170

+104.8% vs 2024

Total authorized · 2025

486

+8.0% vs 2024

Permit valuation · 2025

$106.1M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025486 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 Penobscot County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
inflow2223Other flows - South, DS6331,058$37.7M
outflow2223Other flows - South, DS6251,034$37.2M
inflow2223Other flows - Northeast, DS498745$31.4M
outflow2223Other flows - Northeast, DS410598$22.0M
inflow2223Other flows - West, DS294496$18.0M
inflow2223Hancock County, ME294474$16.4M
outflow2223Hancock County, ME254402$16.1M
outflow2223Other flows - West, DS244353$14.4M
outflow2223Cumberland County, ME241319$16.3M
inflow2223Waldo County, ME208315$8.6M
inflow2223Somerset County, ME190298$8.7M
inflow2223Other flows - Midwest, DS189300$12.0M
outflow2223Somerset County, ME189279$7.5M
outflow2223Kennebec County, ME187266$9.0M
outflow2223Waldo County, ME184296$8.9M
inflow2223Cumberland County, ME181242$10.8M
inflow2223Kennebec County, ME171236$7.8M
outflow2223Other flows - Midwest, DS166283$11.5M
inflow2223Aroostook County, ME164247$7.3M
inflow2223Piscataquis County, ME148257$5.7M
outflow2223Aroostook County, ME139247$5.6M
outflow2223Piscataquis County, ME134232$5.3M
inflow2223York County, ME112144$4.3M
inflow2223Washington County, ME111162$4.4M
outflow2223York County, ME110144$4.9M
outflow2223Androscoggin County, ME80108$3.9M
outflow2223Washington County, ME65107$2.9M
inflow2223Androscoggin County, ME6396$3.1M
outflow2223Middlesex County, MA5268$5.0M
inflow2223Middlesex County, MA4965$3.8M
inflow2223Oxford County, ME4562$1.4M
inflow2223Knox County, ME4063$2.2M
outflow2223Foreign - Other flows, FR4052$1.5M
inflow2223Franklin County, ME3649$1.3M
outflow2223Knox County, ME3348$1.2M
inflow2223Worcester County, MA3243$1.3M
outflow2223Sagadahoc County, ME3235$1.4M
inflow2223Hillsborough County, NH3051$1.7M
outflow2223Suffolk County, MA2931$2.2M
outflow2223Franklin County, ME2946$1.1M
inflow2223Essex County, MA2847$1.6M
inflow2223Capitol Planning Region, CT2536$1.8M
outflow2223Pasco County, FL2339$1.6M
outflow2223Rockingham County, NH2331$1.6M
inflow2223South Central Connecticut Plannin, CT2230$1.7M
outflow2223Hillsborough County, NH2230$1.5M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS6171,057$50.3M
inflow2122Other flows - South, DS6031,073$37.5M
outflow2122Other flows - Northeast, DS424604$27.4M
inflow2122Other flows - Northeast, DS394639$27.3M
inflow2122Other flows - West, DS327610$20.2M
inflow2122Hancock County, ME276452$13.8M
outflow2122Hancock County, ME275443$20.3M
outflow2122Cumberland County, ME239307$16.2M
outflow2122Other flows - West, DS229334$16.4M
inflow2122Waldo County, ME222387$11.5M
inflow2122Cumberland County, ME214304$11.1M
outflow2122Somerset County, ME211358$7.8M
inflow2122Aroostook County, ME195294$7.8M
inflow2122Somerset County, ME191357$8.1M
inflow2122Other flows - Midwest, DS187300$13.9M
outflow2122Piscataquis County, ME185335$9.9M
outflow2122Kennebec County, ME180265$7.9M
outflow2122Waldo County, ME173274$8.5M
inflow2122Kennebec County, ME154243$8.2M
outflow2122Aroostook County, ME150250$6.7M
outflow2122Other flows - Midwest, DS150264$8.0M
inflow2122Piscataquis County, ME146270$5.5M
outflow2122York County, ME108139$5.9M
inflow2122Washington County, ME107176$5.4M
inflow2122York County, ME105156$4.9M
outflow2122Androscoggin County, ME90125$4.0M
outflow2122Washington County, ME71103$3.5M
inflow2122Androscoggin County, ME69111$3.0M
inflow2122Knox County, ME5692$2.1M
outflow2122Franklin County, ME4357$2.2M
inflow2122Middlesex County, MA4066$2.9M
inflow2122Rockingham County, NH3868$3.0M
outflow2122Middlesex County, MA3650$2.6M
inflow2122Maricopa County, AZ3554$2.4M
inflow2122Hillsborough County, NH3446$1.5M
inflow2122Franklin County, ME3164$1.5M
outflow2122Knox County, ME3039$1.6M
inflow2122Capitol Planning Region, CT2943$1.9M
inflow2122Oxford County, ME2939$1.0M
inflow2122Essex County, MA2844$1.6M
inflow2122Worcester County, MA2637$1.3M
inflow2122Bristol County, MA2638$1.2M
outflow2122Sagadahoc County, ME2542$1.4M
outflow2122Pasco County, FL2549$769K
inflow2122Plymouth County, MA2452$1.4M
outflow2122Oxford County, ME2224$719K
inflow2122Sagadahoc County, ME2129$838K
inflow2122Lincoln County, ME2034$831K
inflow2122Strafford County, NH2040$1.4M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS5921,028$39.4M
inflow2021Other flows - South, DS5751,049$32.1M
inflow2021Other flows - Northeast, DS406637$21.6M
outflow2021Other flows - Northeast, DS364568$20.5M
inflow2021Other flows - West, DS332572$20.8M
inflow2021Hancock County, ME265405$13.0M
outflow2021Hancock County, ME234393$16.5M
outflow2021Cumberland County, ME223299$10.5M
outflow2021Somerset County, ME216397$9.3M
inflow2021Somerset County, ME212341$9.4M
inflow2021Cumberland County, ME204290$11.3M
inflow2021Waldo County, ME191333$8.6M
outflow2021Other flows - West, DS175296$9.5M
inflow2021Other flows - Midwest, DS172287$9.9M
outflow2021Kennebec County, ME171251$7.0M
inflow2021Aroostook County, ME163250$6.9M
inflow2021Kennebec County, ME162255$7.8M
outflow2021Waldo County, ME158274$7.1M
inflow2021Piscataquis County, ME149232$4.9M
outflow2021Piscataquis County, ME147265$6.9M
outflow2021Other flows - Midwest, DS140218$6.9M
outflow2021Aroostook County, ME126198$4.9M
inflow2021York County, ME102174$4.0M
outflow2021York County, ME93121$3.9M
inflow2021Washington County, ME80119$2.7M
inflow2021Androscoggin County, ME69113$3.2M
outflow2021Washington County, ME69106$2.8M
outflow2021Androscoggin County, ME6493$2.5M
inflow2021Oxford County, ME3649$1.2M
inflow2021Lincoln County, ME3559$2.1M
inflow2021Knox County, ME3440$1.3M
inflow2021Middlesex County, MA3448$3.3M
outflow2021Knox County, ME3344$1.1M
inflow2021Franklin County, ME3250$1.2M
inflow2021Hillsborough County, NH3255$2.1M
inflow2021Rockingham County, NH3247$1.7M
outflow2021Middlesex County, MA3145$1.4M
outflow2021Franklin County, ME2749$1.2M
inflow2021Suffolk County, MA2428$1.9M
inflow2021Worcester County, MA2437$1.0M
inflow2021Pasco County, FL2439$1.3M
outflow2021Pasco County, FL2439$1.2M
inflow2021Hartford County, CT2333$1.2M
outflow2021Hillsborough County, NH2338$1.3M
outflow2021Sagadahoc County, ME2335$870K
outflow2021Lincoln County, ME2335$1.1M
outflow2021Maricopa County, AZ2236$1.6M
inflow2021Plymouth County, MA2136$1.1M
outflow2021Worcester County, MA2124$819K
inflow2021New Haven County, CT2032$949K
inflow2021Maricopa County, AZ2032$941K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS546970$35.7M
inflow1920Other flows - South, DS5431,033$32.1M
inflow1920Other flows - Northeast, DS478752$26.2M
outflow1920Other flows - Northeast, DS354587$21.9M
outflow1920Hancock County, ME285498$14.8M
outflow1920Cumberland County, ME259360$13.4M
inflow1920Hancock County, ME258473$12.5M
inflow1920Other flows - West, DS237467$15.0M
outflow1920Other flows - West, DS227406$19.4M
inflow1920Cumberland County, ME212330$9.6M
outflow1920Somerset County, ME208379$9.7M
inflow1920Waldo County, ME208357$8.7M
inflow1920Somerset County, ME204363$7.6M
outflow1920Waldo County, ME203364$9.6M
inflow1920Other flows - Midwest, DS178325$11.6M
outflow1920Kennebec County, ME177275$6.9M
inflow1920Aroostook County, ME161293$6.5M
inflow1920Piscataquis County, ME152308$5.5M
outflow1920Piscataquis County, ME151304$6.6M
inflow1920Kennebec County, ME149265$5.8M
outflow1920Other flows - Midwest, DS138238$7.8M
outflow1920Aroostook County, ME126228$4.5M
outflow1920York County, ME103141$4.0M
inflow1920Washington County, ME92159$3.6M
inflow1920York County, ME82136$4.1M
outflow1920Washington County, ME74138$3.2M
inflow1920Androscoggin County, ME68100$2.7M
outflow1920Androscoggin County, ME6192$2.3M
outflow1920Knox County, ME3856$2.0M
outflow1920Middlesex County, MA3752$3.7M
outflow1920Oxford County, ME3652$1.3M
inflow1920Knox County, ME3654$1.7M
inflow1920Sagadahoc County, ME3366$1.9M
inflow1920Hillsborough County, NH3250$1.9M
inflow1920Franklin County, ME3045$1.2M
outflow1920Lincoln County, ME2948$1.8M
inflow1920Middlesex County, MA2836$1.6M
outflow1920Sagadahoc County, ME2739$1.4M
inflow1920Oxford County, ME2543$609K
inflow1920Worcester County, MA2542$1.5M
outflow1920Hillsborough County, NH2332$1.8M
outflow1920Franklin County, ME2129$727K
inflow1920Maricopa County, AZ2047$1.6M
outflow1920Pasco County, FL2026$861K
outflow1920Worcester County, MA2042$1.4M
outflow1819Foreign - Other flows, FR———
inflow1819Foreign - Other flows, FR———

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Penobscot County.

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

2023PurchaseNo CharacteristicAll Appraisals728.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals288.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals1,016.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals272,500.0
2023BothNo CharacteristicAll Appraisals271,000.0
2023PurchaseNo CharacteristicAll Appraisals271,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals247,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals250,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals560.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals240,000.0
2022BothNo CharacteristicAll Appraisals1,559.0
2022PurchaseNo CharacteristicAll Appraisals999.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals238,500.0
2021BothNo CharacteristicAll Appraisals2,456.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,302.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals1,154.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals235,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals230,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals2,347.0
2020PurchaseNo CharacteristicAll Appraisals1,221.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals213,000.0
2020RefinanceNo CharacteristicAll Appraisals230,000.0
2020RefinanceNo CharacteristicAll Appraisals1,126.0
2020PurchaseNo CharacteristicAll Appraisals195,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals188,000.0
2019PurchaseNo CharacteristicAll Appraisals1,176.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals200,000.0
2019BothNo CharacteristicAll Appraisals1,814.0
2019RefinanceNo CharacteristicAll Appraisals638.0
2019PurchaseNo CharacteristicAll Appraisals182,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals185,000.0
2018BothNo CharacteristicAll Appraisals1,354.0
2018PurchaseNo CharacteristicAll Appraisals958.0
2018RefinanceNo CharacteristicAll Appraisals396.0
2018BothNo CharacteristicAll Appraisals175,000.0
2018PurchaseNo CharacteristicAll Appraisals172,500.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals176,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals1,305.0
2017PurchaseNo CharacteristicAll Appraisals844.0
2017PurchaseNo CharacteristicAll Appraisals173,000.0
2017RefinanceNo CharacteristicAll Appraisals461.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals174,000.0
2016PurchaseNo CharacteristicAll Appraisals857.0
2016RefinanceNo CharacteristicAll Appraisals182,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals161,500.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals172,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals1,492.0
2016RefinanceNo CharacteristicAll Appraisals635.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals172,000.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015RefinanceNo CharacteristicAll Appraisals175,000.0
2015BothNo CharacteristicAll Appraisals1,092.0
2015RefinanceNo CharacteristicAll Appraisals452.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.9
2015PurchaseNo CharacteristicAll Appraisals640.0
2015BothNo CharacteristicAll Appraisals174,000.0
2015PurchaseNo CharacteristicAll Appraisals0.9
2014BothNo CharacteristicAll Appraisals172,500.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0575,16772,7162,4513.3%
2026-0476,25373,5212,7323.6%
2026-0375,52572,9032,6223.5%
2026-0276,02173,0822,9393.9%
2026-0175,44172,3723,0694.1%
2025-1276,83474,1132,7213.5%
2025-1176,74274,0342,7083.5%
2025-0976,19273,7682,4243.2%
2025-0875,62073,1692,4513.2%
2025-0775,56872,9252,6433.5%
2025-0675,61173,1162,4953.3%
2025-0575,76773,0092,7583.6%
2025-0477,03474,1052,9293.8%
2025-0376,77373,6453,1284.1%
2025-0276,64173,3863,2554.2%
2025-0176,00272,8213,1814.2%
2024-1276,66373,9302,7333.6%
2024-1176,61573,8482,7673.6%
2024-1076,49774,2312,2663.0%
2024-0976,30874,1722,1362.8%
2024-0875,89773,6402,2573.0%
2024-0775,56873,2562,3123.1%
2024-0675,84873,7102,1382.8%
2024-0575,03472,7232,3113.1%
2024-0475,94573,6152,3303.1%
2024-0375,94173,3062,6353.5%
2024-0275,88772,9922,8953.8%
2024-0175,00872,2742,7343.6%
2023-1275,33572,9982,3373.1%
2023-1175,82373,5542,2693.0%
2023-1075,22573,2591,9662.6%
2023-0974,70672,8981,8082.4%
2023-0873,97972,0241,9552.6%
2023-0774,10872,1781,9302.6%
2023-0673,68571,7501,9352.6%
2023-0573,66171,6502,0112.7%
2023-0474,03672,1221,9142.6%
2023-0373,80571,4842,3213.1%
2023-0273,56571,0572,5083.4%
2023-0172,92070,5152,4053.3%
2022-1273,98972,0441,9452.6%
2022-1173,68271,6831,9992.7%
2022-1073,90472,0821,8222.5%
2022-0973,22471,5131,7112.3%
2022-0872,01870,2411,7772.5%
2022-0772,19370,3421,8512.6%
2022-0672,26270,3411,9212.7%
2022-0572,75970,5782,1813.0%
2022-0473,34170,9602,3813.2%
2022-0373,97771,1972,7803.8%
2022-0273,78170,7053,0764.2%
2022-0172,98469,6013,3834.6%
2021-1273,65770,7332,9244.0%
2021-1174,83571,7503,0854.1%
2021-1074,58971,6022,9874.0%
2021-0973,96670,9802,9864.0%
2021-0872,45769,0533,4044.7%
2021-0772,94469,2733,6715.0%
2021-0672,62068,8083,8125.2%
2021-0572,47168,6263,8455.3%
2021-0473,97569,8454,1305.6%
2021-0374,06869,9374,1315.6%
2021-0273,53669,4704,0665.5%
2021-0172,28068,2574,0235.6%
2020-1271,97569,1142,8614.0%
2020-1172,16269,8352,3273.2%
2020-1072,23870,1162,1222.9%
2020-0970,52168,4692,0522.9%
2020-0870,28667,7482,5383.6%
2020-0770,87466,1634,7116.6%
2020-0671,11666,5684,5486.4%
2020-0570,83163,7267,10510.0%
2020-0471,45264,9696,4839.1%
2020-0376,01872,5813,4374.5%
2020-0276,54173,4343,1074.1%
2020-0175,41672,4103,0064.0%
2019-1275,80173,5042,2973.0%
2019-1176,36974,0842,2853.0%
2019-1076,76974,7042,0652.7%
2019-0975,88073,8782,0022.6%
2019-0874,43372,4651,9682.6%
2019-0774,47472,2932,1812.9%
2019-0674,73672,6232,1132.8%
2019-0575,01672,7122,3043.1%
2019-0476,41273,9552,4573.2%
2019-0375,98373,1592,8243.7%
2019-0275,92572,9452,9803.9%
2019-0175,09071,9343,1564.2%
2018-1276,33573,6392,6963.5%
2018-1176,62874,1252,5033.3%
2018-1076,91974,4312,4883.2%
2018-0975,33372,8872,4463.2%
2018-0874,09071,6822,4083.3%
2018-0775,59072,6042,9864.0%
2018-0675,74673,0842,6623.5%
2018-0575,30372,6642,6393.5%
2018-0476,78974,0462,7433.6%
2018-0376,16873,2832,8853.8%
2018-0276,58273,5503,0324.0%
2018-0175,07272,1262,9463.9%

BEA Personal Income

2024$8.88B156,840$57K
2023$8.43B156,329$54K
2022$8.05B154,817$52K
2021$7.84B153,383$51K
2020$7.20B152,179$47K
2019$6.51B152,259$43K
2018$6.27B152,188$41K
2017$6.01B152,127$39K
2016$5.82B151,714$38K
2015$5.68B152,276$37K
2014$5.51B153,489$36K
2013$5.39B153,442$35K
2012$5.35B153,499$35K
2011$5.33B153,840$35K
2010$5.15B153,876$33K
2009$5.13B153,770$33K
2008$4.97B153,372$32K
2007$4.72B152,232$31K
2006$4.52B151,446$30K
2005$4.36B149,726$29K
2004$4.20B148,814$28K
2003$4.04B148,759$27K
2002$3.92B147,298$27K
2001$3.75B146,110$26K
2000$3.61B144,937$25K
1999$3.38B144,902$23K
1998$3.25B144,574$22K
1997$3.07B144,910$21K
1996$2.93B145,356$20K
1995$2.81B145,724$19K
1994$2.74B147,000$19K
1993$2.64B146,752$18K
1992$2.54B146,435$17K
1991——$16K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-07-11$3K$3K$0Yes
2023-12-19$8K$8K$0Yes
2023-12-18$38K$36K$2KNo
2019-04-17$0$0$0Yes
2019-04-10$0——Yes
2018-01-12$10K$10K$0Yes
2017-12-01$0——No
2015-09-30$2K$2K$0Yes
2015-09-30$13K$13K$0No
2014-04-28$0——Yes
2014-04-19$19K$19K$0Yes
2014-04-17$0$0$0Yes
2014-04-17$0——Yes
2014-04-17$0——No
2014-03-05$0——Yes
2011-04-15$0——No
2011-03-13$4K$691.21$4KYes
2011-03-09$37K$24K$14KYes
2011-03-08$2K$2K$0No
2010-12-24$18K$18K$705.96No
2010-12-15$8K$8K$0Yes
2010-12-14$19K$18K$2KNo
2010-11-09$7K$6K$1KNo
2008-08-25$0——Yes
2008-05-01$7K$7K$0Yes
2008-05-01$2K$2K$0Yes
2008-05-01$17K$15K$2KYes
2008-05-01$21K$20K$737.41Yes
2008-05-01$2K$2K$0Yes
2008-05-01$2K$2K$0Yes
2008-05-01$8K$8K$0Yes
2008-05-01$1K$1K$0No
2008-05-01$0——Yes
2008-05-01$8K$8K$0No
2008-05-01$15K$15K$0Yes
2008-04-30$11K$11K$0Yes
2008-04-30$66K$44K$22KYes
2008-04-30$8K$8K$199.98Yes
2008-04-30$4K$4K$216.78Yes
2008-04-30$35K$27K$8KNo
2008-04-30$11K$11K$0Yes
2008-04-30$5K$5K$0No
2008-04-30$2K$2K$0Yes
2008-04-30$9K$9K$0Yes
2008-04-30$31K$18K$13KNo
2008-04-30$3K$3K$0Yes
2008-04-30$8K$8K$0Yes
2008-04-30$22K$12K$10KYes
2008-04-30$3K$3K$0Yes
2008-04-29$0——Yes
2008-04-29$11K$11K$0Yes
2007-10-27$0——Yes
2007-04-22$2K$2K$0Yes
2007-04-19$8K$8K$0No
2007-04-16$2K$2K$0No
2007-04-15$2K$2K$0Yes
2007-03-17$0——Yes
2005-11-01$0——No
2005-07-18$0——Yes
2005-05-02$22K$22K$446.98Yes
2005-05-02$2K$2K$0No
2005-05-01$8K$7K$503Yes
2005-05-01$4K$4K$0Yes
2005-05-01$6K$6K$0Yes
2005-05-01$0——Yes
2005-05-01$2K$1K$206.97Yes
2005-04-30$2K$2K$0No
2005-04-30$0——No
2005-04-29$13K$13K$0Yes
2005-04-29$7K$7K$0Yes
2005-04-09$6K$6K$0No
2005-04-08$4K$4K$0Yes
2005-04-04$815.13$815.13$0No
2005-04-04$16K$16K$0No
2003-04-15$0——Yes
1999-09-17$30K$2K$28KNo
1999-02-07$0——No
1998-03-10$4K$4K$0Yes
1998-03-09$3K$3K$0No
1998-03-09$10K$10K$55.2Yes
1998-01-25$0——No
1996-01-30$319.8$319.8$0No
1996-01-28$2K$2K$0No
1996-01-28$1K$1K$0No
1996-01-26$0——No
1995-01-18$563$0$563No
1994-04-17$704.14$704.14$0No
1994-04-17$3K$3K$0No
1994-04-17$0——No
1994-04-16$14K$14K$0No
1994-04-16$826.7$826.7$0Yes
1994-03-01$0——No
1994-01-28$0——No
1993-04-29$0——No
1993-04-14$1K$1K$0No
1993-04-14$0——No
1993-04-13$890.21$229.46$660.75No
1993-04-13$0——No
1993-04-13$6K$6K$0No
1993-04-13$2K$2K$0Yes

ALSO CHECKED

18 more data areas were checked for Penobscot 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 PENOBSCOT COUNTY →Opens the loan explorer already filtered to county FIPS 23019.

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.