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State markets/Maine/Washington County

COUNTY MORTGAGE MARKET · FIPS 23029

Washington County, Maine

Who lends in Washington 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

$112.9M

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

Originations · 2025

632

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

Denial rate · 2025

22.6%

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

Lenders active · 2025

135

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

Concentration (HHI)

591

unconcentrated

Top-5 lender share

45.3%

of originations

Purchase

65.8%

314 loans

Refinance

34.2%

163 loans

Origination trend

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

Lenders in Washington 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 Washington 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 WASHINGTON COUNTY →

TOP TEN LENDERS IN WASHINGTON 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.

128$19.0M$19.0M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
57$9.2M$9.2M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
64$9.2M$9.2M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
48$7.4M$7.4M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
45$6.3M$6.3M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
27$5.4M$5.4M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
20$5.0M$5.0M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
21$4.3M$4.3M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
12$2.8M$2.8M originated in Washington County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$2.8M$2.8M originated in Washington 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 Washington County

All 31 ZIP Code Tabulation Areas that touch Washington 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.
31 OF 31 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
22 of the 2 Washington County tracts this ZIP area touches sit mostly inside it.6,32218.8%2,177——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Washington County tracts this ZIP area touches sit mostly inside it.5,6136.5%1,967——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Washington County tract this ZIP area touches sit mostly inside it.3,0798.2%1,178——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Washington County tracts this ZIP area touches sit mostly inside it.2,7909.0%701——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Washington County tracts this ZIP area touches sit mostly inside it.2,7827.7%961——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Washington County tracts this ZIP area touches sit mostly inside it.2,6907.1%1,027——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Washington County tracts this ZIP area touches sit mostly inside it.2,2887.2%716——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Washington County tract this ZIP area touches sit mostly inside it.2,2106.0%920——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Washington County tracts this ZIP area touches sit mostly inside it.2,03329.5%611——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Washington County tract this ZIP area touches sit mostly inside it.1,28811.9%477——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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 Washington 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.

13 of Washington County’s 14 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 Washington County

All 14 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.

14 OF 14 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate74.5%2,71130.6%OPEN →
Middle88.0%1,4647.6%OPEN →
Moderate75.1%1,3187.9%OPEN →
Middle88.1%3,0798.2%OPEN →
Middle87.2%2,03329.5%OPEN →
Middle108.5%1,28811.9%OPEN →
Middle103.2%2,2106.0%OPEN →
Middle89.2%2,6907.1%OPEN →
Middle83.5%2,2887.2%OPEN →
Middle82.3%2,7909.0%OPEN →
Middle86.6%2,5924.9%OPEN →
Middle82.9%3,0217.8%OPEN →
Middle92.0%3,6119.9%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

31,331

Median household income

$56,024

Median home value

$161,800

Median gross rent

$783

per month

Owner-occupied

79.7%

of occupied units

Housing units

21,726

34.7% vacant

Poverty rate

17.1%

Unemployment

6.3%

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 47.6

Social vulnerability

Very High

Community resilience

Very High

ELEVATED PERILS

Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

81

Declarations recorded

69

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

Everything we hold on Washington 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 Washington County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Washington County →Every reported application and origination in FIPS 23029, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Washington 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

39

—

Purchase share

51.3%

20 loans

IRRRL refinances

10

Cash-out refinances

9

202639—20109
202543—2689
202434—1978
202336—25011
2022——481416
2021113—505211
202091—43426
201953—36116
201851—35412
201755—33913
201653—241019
201524—879

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 Washington 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

Washington 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

103

+14.4% vs 2024

Multifamily · 2025

4

−42.9% vs 2024

Total authorized · 2025

107

+10.3% vs 2024

Permit valuation · 2025

$29.4M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
0631251882501990199219941996199820002002200420062008201020122014201620182020202220242025107 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 Washington County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
inflow2223Other flows - Northeast, DS150257$10.6M
inflow2223Other flows - South, DS147255$11.6M
outflow2223Other flows - South, DS113181$8.7M
outflow2223Penobscot County, ME111162$4.4M
outflow2223Other flows - Northeast, DS83122$4.3M
inflow2223Other flows - West, DS79155$6.2M
inflow2223Penobscot County, ME65107$2.9M
inflow2223Hancock County, ME63106$2.7M
outflow2223Hancock County, ME5989$2.1M
outflow2223Other flows - West, DS5680$3.7M
outflow2223Other flows - Midwest, DS3652$2.2M
inflow2223Other flows - Midwest, DS3054$1.7M
outflow2223Aroostook County, ME2537$1.1M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Other flows - Northeast, DS163253$12.3M
inflow2122Other flows - South, DS137264$10.6M
outflow2122Other flows - South, DS127228$7.6M
inflow2122Other flows - West, DS112201$10.2M
outflow2122Penobscot County, ME107176$5.4M
outflow2122Other flows - Northeast, DS81112$3.7M
inflow2122Penobscot County, ME71103$3.5M
inflow2122Hancock County, ME61108$2.2M
outflow2122Hancock County, ME5890$2.7M
inflow2122Other flows - Midwest, DS4164$3.0M
inflow2122Cumberland County, ME3861$2.2M
inflow2122Aroostook County, ME3359$971K
outflow2122Aroostook County, ME3051$788K
outflow2122Other flows - Midwest, DS2756$1.6M
outflow2122Cumberland County, ME2738$1.5M
outflow2122Other flows - West, DS2740$1.6M
outflow2122Kennebec County, ME2132$1.2M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
inflow2021Other flows - Northeast, DS173292$11.1M
inflow2021Other flows - South, DS158288$10.4M
outflow2021Other flows - South, DS115212$6.8M
inflow2021Other flows - West, DS93170$6.2M
outflow2021Penobscot County, ME80119$2.7M
outflow2021Other flows - Northeast, DS69110$3.5M
inflow2021Penobscot County, ME69106$2.8M
outflow2021Hancock County, ME68110$2.5M
inflow2021Hancock County, ME5794$2.8M
outflow2021Other flows - West, DS3057$2.3M
inflow2021Other flows - Midwest, DS3057$4.7M
inflow2021York County, ME2435$1.2M
outflow2021Cumberland County, ME2432$737K
outflow2021Other flows - Midwest, DS2339$1.2M
inflow2021Aroostook County, ME2341$913K
inflow2021Cumberland County, ME2033$1.9M
outflow2021Aroostook County, ME2030$706K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
inflow1920Other flows - South, DS178326$10.5M
inflow1920Other flows - Northeast, DS173279$12.2M
outflow1920Other flows - South, DS99187$6.0M
outflow1920Penobscot County, ME92159$3.6M
inflow1920Other flows - West, DS89160$5.5M
outflow1920Other flows - Northeast, DS76118$3.3M
inflow1920Penobscot County, ME74138$3.2M
outflow1920Hancock County, ME65109$2.1M
inflow1920Hancock County, ME59115$2.5M
outflow1920Other flows - West, DS4666$2.1M
inflow1920Other flows - Midwest, DS3691$2.5M
inflow1920Cumberland County, ME3265$1.4M
outflow1920Aroostook County, ME3261$1.2M
inflow1920Aroostook County, ME2957$1.2M
outflow1920Cumberland County, ME2434$1.1M
outflow1920Other flows - Midwest, DS2350$907K
inflow1920York County, ME2034$1.1M
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
inflow1819Other flows - South, DS127241$6.9M
inflow1819Other flows - Northeast, DS121185$13.2M
outflow1819Other flows - South, DS102166$4.9M
outflow1819Other flows - Northeast, DS78142$3.8M
outflow1819Penobscot County, ME74107$2.8M
inflow1819Hancock County, ME6299$2.1M
inflow1819Other flows - West, DS59116$4.2M
outflow1819Hancock County, ME57110$2.1M
inflow1819Penobscot County, ME55102$2.1M
outflow1819Other flows - West, DS3051$1.4M
outflow1819Cumberland County, ME2842$1.4M
inflow1819Other flows - Midwest, DS2440$1.7M
outflow1819Other flows - Midwest, DS2437$1.1M
outflow1819Aroostook County, ME2439$1.1M
inflow1718Foreign - Other flows, FR———
inflow1718Other flows - Northeast, DS134221$7.9M
inflow1718Other flows - South, DS131269$7.0M
outflow1718Other flows - South, DS117231$5.3M
outflow1718Penobscot County, ME81135$2.6M
inflow1718Penobscot County, ME74137$2.6M
outflow1718Hancock County, ME70141$2.2M
inflow1718Other flows - West, DS68119$4.7M
outflow1718Other flows - Northeast, DS6799$3.8M
inflow1718Hancock County, ME5688$3.0M
outflow1718Other flows - West, DS3355$1.4M
outflow1718Cumberland County, ME3253$1.6M
inflow1718Other flows - Midwest, DS2550$1.9M
inflow1718Cumberland County, ME2339$1.9M
inflow1718Aroostook County, ME2343$848K
outflow1718Aroostook County, ME2044$548K
outflow1718Other flows - Midwest, DS2041$567K
outflow1617Foreign - Other flows, FR———
inflow1617Other flows - South, DS153308$7.7M
inflow1617Other flows - Northeast, DS148249$7.7M
outflow1617Other flows - South, DS115212$5.4M
outflow1617Other flows - Northeast, DS105169$4.3M
outflow1617Penobscot County, ME104159$3.2M
inflow1617Penobscot County, ME78132$2.7M
outflow1617Hancock County, ME75145$2.4M
inflow1617Hancock County, ME67140$2.0M
inflow1617Other flows - West, DS59134$3.4M
inflow1617Other flows - Midwest, DS4880$2.9M
outflow1617Other flows - West, DS4473$2.0M
inflow1617Aroostook County, ME3555$1.9M
inflow1617Cumberland County, ME3447$1.3M
outflow1617Cumberland County, ME2849$1.9M
outflow1617Other flows - Midwest, DS2549$1.3M
outflow1617Kennebec County, ME2243$850K
outflow1617Aroostook County, ME2130$624K
inflow1617York County, ME2130$927K
inflow1516Foreign - Other flows, FR———
outflow1516Other flows - Midwest, DS———
inflow1516Other flows - Midwest, DS———
outflow1516Other flows - South, DS130256$6.5M
inflow1516Other flows - Northeast, DS106181$6.9M
inflow1516Other flows - South, DS93178$5.1M
outflow1516Penobscot County, ME85122$2.6M
inflow1516Penobscot County, ME81135$2.7M
outflow1516Other flows - Northeast, DS63100$1.8M
outflow1516Hancock County, ME5092$1.9M
inflow1516Hancock County, ME5094$1.4M
outflow1516Other flows - West, DS3975$1.8M
inflow1516Other flows - West, DS3664$2.0M
inflow1516Cumberland County, ME3558$1.9M
outflow1516Cumberland County, ME3351$1.4M
inflow1516Aroostook County, ME2139$593K
outflow1516Foreign - Other flows, FR2032$571K
inflow1415Foreign - Other flows, FR———
outflow1415Other flows - Midwest, DS———
outflow1415Foreign - Other flows, FR———
inflow1415Other flows - Midwest, DS———
outflow1415Other flows - South, DS87157$3.7M
inflow1415Other flows - Northeast, DS80132$3.9M
outflow1415Penobscot County, ME71118$2.1M
inflow1415Other flows - South, DS64122$2.6M
outflow1415Other flows - Northeast, DS5684$4.6M
inflow1415Penobscot County, ME5382$1.8M
outflow1415Hancock County, ME5091$1.7M
inflow1415Hancock County, ME3870$985K
inflow1415Other flows - West, DS3056$1.8M
outflow1415Other flows - West, DS2235$684K
outflow1415Cumberland County, ME2025$654K
inflow1314Foreign - Other flows, FR———
outflow1314Foreign - Other flows, FR———
inflow1314Other flows - Midwest, DS———
inflow1314Other flows - Northeast, DS105183$4.7M
outflow1314Other flows - South, DS104195$4.3M
inflow1314Other flows - South, DS99207$4.8M
outflow1314Penobscot County, ME85147$2.0M
outflow1314Other flows - Northeast, DS79122$3.0M
inflow1314Penobscot County, ME73117$2.4M
outflow1314Hancock County, ME6297$1.4M
inflow1314Hancock County, ME57112$1.8M
outflow1314Other flows - West, DS4662$1.6M
outflow1314Cumberland County, ME3049$1.2M
inflow1314Other flows - West, DS2851$1.3M
outflow1314Other flows - Midwest, DS2348$911K
inflow1314Aroostook County, ME2141$502K
outflow1314Aroostook County, ME2136$1.2M
inflow1213Foreign - Other flows, FR———
outflow1213Foreign - Other flows, FR———
inflow1213Other flows - Northeast, DS127216$5.6M
inflow1213Other flows - South, DS114225$5.3M
outflow1213Other flows - Northeast, DS104182$4.2M
outflow1213Other flows - South, DS99184$4.9M
outflow1213Penobscot County, ME83141$2.0M
inflow1213Penobscot County, ME73123$2.4M
outflow1213Hancock County, ME64122$1.7M
inflow1213Hancock County, ME5290$1.2M
outflow1213Cumberland County, ME4884$1.6M
inflow1213Other flows - West, DS4667$1.7M
outflow1213Other flows - West, DS3868$2.5M
inflow1213Other flows - Midwest, DS2655$1.1M
inflow1213Aroostook County, ME2440$510K
inflow1213Cumberland County, ME2233$604K
outflow1213Aroostook County, ME2036$642K
outflow1213York County, ME2041$558K
outflow1213Foreign - Overseas, FR1827$1.0M
inflow1213Kennebec County, ME1626$538K
outflow1213Other flows - Midwest, DS1633$938K
outflow1213Kennebec County, ME1440$605K
outflow1213Waldo County, ME1224$578K
inflow1213Waldo County, ME1124$388K
outflow1112Foreign - Other flows, FR———
outflow1112Other flows - South, DS135234$6.0M
inflow1112Other flows - South, DS123217$6.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Washington County.

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

2023PurchaseNo CharacteristicAll Appraisals151.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals65.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals216.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals228,000.0
2023BothNo CharacteristicAll Appraisals241,000.0
2023PurchaseNo CharacteristicAll Appraisals250,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals234,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals235,800.0
2022PurchaseNo CharacteristicAll Appraisals0.9
2022RefinanceNo CharacteristicAll Appraisals109.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals220,000.0
2022BothNo CharacteristicAll Appraisals329.0
2022PurchaseNo CharacteristicAll Appraisals220.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals223,000.0
2021BothNo CharacteristicAll Appraisals451.0
2021PurchaseNo CharacteristicAll Appraisals0.9
2021PurchaseNo CharacteristicAll Appraisals286.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021RefinanceNo CharacteristicAll Appraisals165.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals204,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals195,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals433.0
2020PurchaseNo CharacteristicAll Appraisals251.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals192,000.0
2020RefinanceNo CharacteristicAll Appraisals207,500.0
2020RefinanceNo CharacteristicAll Appraisals182.0
2020PurchaseNo CharacteristicAll Appraisals183,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.9
2019BothNo CharacteristicAll Appraisals153,000.0
2019PurchaseNo CharacteristicAll Appraisals188.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals145,000.0
2019BothNo CharacteristicAll Appraisals257.0
2019RefinanceNo CharacteristicAll Appraisals69.0
2019PurchaseNo CharacteristicAll Appraisals155,900.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals149,000.0
2018BothNo CharacteristicAll Appraisals238.0
2018PurchaseNo CharacteristicAll Appraisals157.0
2018RefinanceNo CharacteristicAll Appraisals81.0
2018BothNo CharacteristicAll Appraisals141,000.0
2018PurchaseNo CharacteristicAll Appraisals138,500.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.9
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals160,000.0
2017PurchaseNo CharacteristicAll Appraisals0.9
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals208.0
2017PurchaseNo CharacteristicAll Appraisals135.0
2017PurchaseNo CharacteristicAll Appraisals140,000.0
2017RefinanceNo CharacteristicAll Appraisals73.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals149,500.0
2016PurchaseNo CharacteristicAll Appraisals117.0
2016RefinanceNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals0.9
2016PurchaseNo CharacteristicAll Appraisals139,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals150,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals224.0
2016RefinanceNo CharacteristicAll Appraisals107.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals130,000.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015RefinanceNo CharacteristicAll Appraisals155,000.0
2015BothNo CharacteristicAll Appraisals194.0
2015RefinanceNo CharacteristicAll Appraisals101.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals93.0
2015BothNo CharacteristicAll Appraisals141,500.0
2015PurchaseNo CharacteristicAll Appraisals0.9
2014BothNo CharacteristicAll Appraisals140,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0511,86311,3115524.7%
2026-0411,93611,2706665.6%
2026-0312,02811,3177115.9%
2026-0211,90611,0948126.8%
2026-0111,78910,9668237.0%
2025-1212,62111,9077145.7%
2025-1112,60311,9996044.8%
2025-0911,90911,3895204.4%
2025-0812,38011,8725084.1%
2025-0712,27811,7315474.5%
2025-0612,11011,5875234.3%
2025-0512,26711,6825854.8%
2025-0412,28911,5747155.8%
2025-0312,27011,4887826.4%
2025-0212,13011,2598717.2%
2025-0112,19311,3938006.6%
2024-1212,57512,0215544.4%
2024-1112,70612,1585484.3%
2024-1012,49612,0124843.9%
2024-0912,10711,6484593.8%
2024-0812,54212,0504923.9%
2024-0712,43211,9045284.2%
2024-0612,50312,0224813.8%
2024-0512,70312,1885154.1%
2024-0412,70812,0686405.0%
2024-0312,40211,6957075.7%
2024-0212,39811,5748246.6%
2024-0112,28111,5267556.1%
2023-1212,52312,0075164.1%
2023-1112,66312,1385254.1%
2023-1012,58112,1784033.2%
2023-0912,36011,9913693.0%
2023-0812,55112,1723793.0%
2023-0712,70412,2274773.8%
2023-0612,50712,1173903.1%
2023-0512,34511,8704753.8%
2023-0412,34811,8275214.2%
2023-0312,14711,5256225.1%
2023-0212,23811,4417976.5%
2023-0112,41511,7446715.4%
2022-1212,42811,9844443.6%
2022-1112,35211,9134393.6%
2022-1012,20511,8353703.0%
2022-0912,08211,7253573.0%
2022-0812,67812,2893893.1%
2022-0712,99412,5744203.2%
2022-0612,70412,2644403.5%
2022-0512,58412,0455394.3%
2022-0412,60911,9576525.2%
2022-0312,51011,7837275.8%
2022-0212,43511,5179187.4%
2022-0112,50611,6518556.8%
2021-1212,46911,8296405.1%
2021-1112,44711,7726755.4%
2021-1012,20711,5426655.4%
2021-0912,09711,3427556.2%
2021-0812,93712,1278106.3%
2021-0713,30812,4438656.5%
2021-0613,01912,1218986.9%
2021-0512,97412,0229527.3%
2021-0412,65111,6331,0188.0%
2021-0312,71811,6021,1168.8%
2021-0212,72111,6081,1138.7%
2021-0112,48311,4949897.9%
2020-1212,45111,8206315.1%
2020-1112,37411,8525224.2%
2020-1012,03411,5874473.7%
2020-0911,63711,2114263.7%
2020-0812,58212,0994833.8%
2020-0712,78311,9008836.9%
2020-0612,60311,8117926.3%
2020-0512,37211,3211,0518.5%
2020-0412,12910,9431,1869.8%
2020-0312,74711,7421,0057.9%
2020-0213,01712,0919267.1%
2020-0112,74811,8508987.0%
2019-1213,03612,4975394.1%
2019-1113,03312,5065274.0%
2019-1012,48912,0454443.6%
2019-0912,40111,9484533.7%
2019-0813,42412,9594653.5%
2019-0713,17112,6225494.2%
2019-0612,84712,3375104.0%
2019-0512,72412,1106144.8%
2019-0412,54211,8636795.4%
2019-0312,73011,9697616.0%
2019-0213,01512,2197966.1%
2019-0112,70411,9137916.2%
2018-1213,10712,4806274.8%
2018-1113,23912,6875524.2%
2018-1012,72412,1865384.2%
2018-0912,42711,9025254.2%
2018-0813,23212,6995334.0%
2018-0713,35012,7386124.6%
2018-0613,12412,5345904.5%
2018-0513,04012,3896515.0%
2018-0413,01112,2927195.5%
2018-0313,21012,4647465.6%
2018-0213,11912,3098106.2%
2018-0112,69311,9017926.2%

BEA Personal Income

2024$1.76B31,383$56K
2023$1.68B31,446$53K
2022$1.58B31,507$50K
2021$1.56B31,213$50K
2020$1.44B31,108$46K
2019$1.28B30,995$41K
2018$1.23B30,893$40K
2017$1.19B31,142$38K
2016$1.19B31,411$38K
2015$1.17B31,618$37K
2014$1.12B31,837$35K
2013$1.09B32,165$34K
2012$1.10B32,482$34K
2011$1.08B32,684$33K
2010$1.05B32,820$32K
2009$1.01B32,925$31K
2008$980.4M33,289$29K
2007$938.2M33,424$28K
2006$916.4M33,323$28K
2005$901.9M33,319$27K
2004$880.1M33,474$26K
2003$858.4M33,403$26K
2002$820.0M33,345$25K
2001$806.9M33,499$24K
2000$760.6M33,876$22K
1999$731.1M34,148$21K
1998$711.7M34,475$21K
1997$663.4M34,964$19K
1996$624.3M35,240$18K
1995$602.6M35,420$17K
1994$575.3M35,427$16K
1993$563.9M35,602$16K
1992$549.2M35,668$15K
1991——$15K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-03-08$0$0$0Yes
2024-01-10$14K$14K$0No
2024-01-10$0$0$0No
2024-01-10$0——No
2024-01-10$0$0$0No
2024-01-10$0$0$0No
2024-01-10$33K$33K$0No
2024-01-10$2K$2K$0No
2024-01-10$0$0$0No
2024-01-09$0$0$0No
2020-04-13$5K$5K$0No
2016-02-16$19K$19K$0No
2012-07-12$0——Yes
2012-04-23$0——Yes
2010-01-01$0——Yes
2006-11-12$0——Yes
2005-11-21$0——Yes
2005-05-26$2K$2K$0Yes
2000-12-17$0——Yes
1997-01-10$0——No
1992-05-30$0——No
1990-12-03$0——No
1990-12-02$0——No
1989-05-16$0——No
1983-04-11$0——No
1980-10-26$0——No
1980-10-25$747$747$0No
1980-03-18$8K$8K$0No
1980-03-18$1K$694$803No
1978-02-09$0——No

ALSO CHECKED

18 more data areas were checked for Washington 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 WASHINGTON COUNTY →Opens the loan explorer already filtered to county FIPS 23029.

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.