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State markets/Maryland/Frederick County

COUNTY MORTGAGE MARKET · FIPS 24021

Frederick County, Maryland

Who lends in Frederick 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

$2.80B

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

Originations · 2025

7,470

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

Denial rate · 2025

14.8%

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

Lenders active · 2025

389

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

Concentration (HHI)

197

unconcentrated

Top-5 lender share

23.9%

of originations

Purchase

60.8%

3,568 loans

Refinance

39.2%

2,304 loans

Origination trend

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

Lenders in Frederick 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 Frederick 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 FREDERICK COUNTY →

TOP TEN LENDERS IN FREDERICK 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.

599$185.9M$185.9M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
344$155.3M$155.3M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$140.0M$140.0M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
230$107.8M$107.8M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$81.0M$81.0M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
309$78.2M$78.2M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
283$67.7M$67.7M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
115$57.9M$57.9M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
518$57.6M$57.6M originated in Frederick County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
184$52.5M$52.5M originated in Frederick 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 Frederick County

All 35 ZIP Code Tabulation Areas that touch Frederick 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.
35 OF 35 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
99 of the 15 Frederick County tracts this ZIP area touches sit mostly inside it.44,31651.0%9,555——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 21 Frederick County tracts this ZIP area touches sit mostly inside it.43,60830.0%11,601——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Frederick County tracts this ZIP area touches sit mostly inside it.35,92653.0%8,185——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Frederick County tracts this ZIP area touches sit mostly inside it.20,89645.4%4,284——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Frederick County tracts this ZIP area touches sit mostly inside it.18,90514.3%5,996——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Frederick County tracts this ZIP area touches sit mostly inside it.14,90514.7%4,632——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Frederick County tracts this ZIP area touches sit mostly inside it.14,11333.1%3,736——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Frederick County tracts this ZIP area touches sit mostly inside it.11,69322.3%3,143——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Frederick County tracts this ZIP area touches sit mostly inside it.10,43910.9%3,623——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Frederick County tracts this ZIP area touches sit mostly inside it.9,26327.8%2,923——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Frederick County tracts this ZIP area touches sit mostly inside it.7,53215.6%2,571——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Frederick County tracts this ZIP area touches sit mostly inside it.6,67321.9%1,949——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Frederick County tracts this ZIP area touches sit mostly inside it.5,87221.5%1,099——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Frederick County tracts this ZIP area touches sit mostly inside it.5,84611.0%1,894——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Frederick County tracts this ZIP area touches sit mostly inside it.5,72226.0%1,599——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Frederick County tracts this ZIP area touches sit mostly inside it.3,92920.7%1,024——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Frederick County tracts this ZIP area touches sit mostly inside it.3,17013.1%876——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Frederick County tracts this ZIP area touches sit mostly inside it.3,0948.7%1,023——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Frederick County tracts this ZIP area touches sit mostly inside it.3,0238.6%891——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Frederick County tracts this ZIP area touches sit mostly inside it.2,7927.3%952——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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 Frederick 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.

65 of Frederick County’s 65 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 Frederick County

All 65 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.

65 OF 65 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle101.1%5,02722.2%OPEN →
Moderate58.8%1,65128.6%OPEN →
Middle99.6%1,68614.0%OPEN →
Low49.0%1,72844.1%OPEN →
Moderate74.3%6,01260.8%OPEN →
Moderate54.5%7,66074.3%OPEN →
Moderate69.5%4,32160.2%OPEN →
Moderate55.5%4,27178.6%OPEN →
Moderate51.8%5,05676.7%OPEN →
Middle104.7%2,75619.1%OPEN →
Middle87.2%5,62352.1%OPEN →
Low43.6%3,82250.0%OPEN →
—0.0%2,88328.6%OPEN →
Middle96.5%6,05532.4%OPEN →
Moderate76.9%2,44134.7%OPEN →
Middle88.9%4,91440.3%OPEN →
Middle84.0%2,07655.6%OPEN →
Moderate76.0%5,29742.1%OPEN →
Moderate56.8%5,92054.6%OPEN →
Middle84.3%5,74945.4%OPEN →
Middle107.3%5,70239.6%OPEN →
Middle86.3%6,65443.1%OPEN →
Middle95.4%2,42420.3%OPEN →
Middle90.6%4,75226.4%OPEN →
Middle93.9%3,16612.7%OPEN →
Moderate78.5%3,0238.6%OPEN →
Middle82.8%2,46312.5%OPEN →
Middle87.5%3,78212.5%OPEN →
Middle117.3%5,41717.4%OPEN →
Middle116.4%3,82310.3%OPEN →
Middle94.3%6,00524.1%OPEN →
Upper125.7%6,48515.7%OPEN →
Upper130.5%4,60631.1%OPEN →
Middle94.7%3,75530.4%OPEN →
Upper123.7%2,52121.0%OPEN →
Middle99.5%4,81516.9%OPEN →
Middle112.9%3,66119.7%OPEN →
Middle105.5%6,88129.3%OPEN →
Middle99.8%2,39921.6%OPEN →
Upper127.9%4,48152.8%OPEN →
Middle119.3%3,57154.3%OPEN →
Upper123.9%5,88941.8%OPEN →
Middle87.8%7,21752.1%OPEN →
Middle108.2%4,27422.0%OPEN →
Middle95.6%3,60627.2%OPEN →
Middle97.4%5,17016.6%OPEN →
Upper121.7%2,36213.3%OPEN →
Middle119.8%4,48113.8%OPEN →
Middle89.9%2,72914.4%OPEN →
Middle96.2%4,05718.0%OPEN →
Middle96.4%2,1928.7%OPEN →
Middle93.4%3,65412.4%OPEN →
Moderate68.2%3,0948.7%OPEN →
Moderate73.0%4,5279.6%OPEN →
Moderate62.3%2,74611.1%OPEN →
Moderate56.7%4,28846.8%OPEN →
Moderate62.3%5,87221.5%OPEN →
Moderate60.1%2,7927.3%OPEN →
Middle95.4%3,17013.1%OPEN →
Middle86.9%3,63812.5%OPEN →
Low44.0%1,56639.9%OPEN →
Moderate72.0%4,23634.4%OPEN →
Middle86.5%5,72226.0%OPEN →
Moderate67.4%3,92920.7%OPEN →
Upper124.5%5,17220.7%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

287,048

Median household income

$122,002

Median home value

$464,600

Median gross rent

$1,774

per month

Owner-occupied

77.0%

of occupied units

Housing units

108,924

3.9% vacant

Poverty rate

6.0%

Unemployment

3.3%

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 74.2

Social vulnerability

Very Low

Community resilience

Relatively 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

70

Declarations recorded

23

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

Everything we hold on Frederick 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 Frederick County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Frederick County →Every reported application and origination in FIPS 24021, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Frederick 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

587

—

Purchase share

45.5%

267 loans

IRRRL refinances

244

Cash-out refinances

76

2026587—26724476
2025614—365142107
2024430—3145066
2023488—397388
2022——559217271
20212,509—6961,620193
20202,132—6621,286184
2019926—592164170
2018786—53599152
20171,053—550295208
20161,087—516345226
2015968—465325178

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 Frederick 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

Frederick 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

814

−31.3% vs 2024

Multifamily · 2025

354

−6.1% vs 2024

Total authorized · 2025

1,168

−25.2% vs 2024

Permit valuation · 2025

$327.5M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,168 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 Frederick County, showing population movement and wealth transfer.

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

inflow2223Montgomery County, MD2,3524,543$238.5M
outflow2223Other flows - South, DS1,4282,557$132.4M
inflow2223Other flows - South, DS1,1061,980$85.6M
outflow2223Washington County, MD9531,711$56.0M
outflow2223Montgomery County, MD9411,492$71.9M
inflow2223Other flows - Northeast, DS563944$47.9M
inflow2223Washington County, MD523895$32.0M
outflow2223Other flows - Northeast, DS427631$33.6M
inflow2223Howard County, MD412778$48.6M
outflow2223Other flows - West, DS367565$30.4M
outflow2223Carroll County, MD363640$30.5M
inflow2223Carroll County, MD352562$27.9M
inflow2223Other flows - West, DS315623$30.7M
inflow2223Baltimore County, MD310568$28.0M
inflow2223Other flows - Midwest, DS284523$26.4M
inflow2223Prince George's County, MD281505$22.6M
outflow2223Other flows - Midwest, DS275480$21.5M
inflow2223Fairfax County, VA219423$21.8M
inflow2223Anne Arundel County, MD215395$23.8M
inflow2223Loudoun County, VA204358$24.9M
outflow2223Berkeley County, WV195367$14.3M
outflow2223Howard County, MD195302$18.7M
outflow2223Baltimore County, MD193268$14.7M
outflow2223Baltimore city, MD164210$8.4M
outflow2223Anne Arundel County, MD156258$13.7M
inflow2223Baltimore city, MD153223$13.4M
outflow2223Adams County, PA153278$14.4M
outflow2223Jefferson County, WV148284$12.0M
outflow2223Franklin County, PA140224$8.7M
outflow2223Prince George's County, MD131190$7.1M
outflow2223Fairfax County, VA129201$9.5M
outflow2223Loudoun County, VA124201$12.6M
inflow2223District of Columbia, DC101152$10.7M
inflow2223Berkeley County, WV96147$6.6M
inflow2223Franklin County, PA90143$6.4M
outflow2223District of Columbia, DC80107$6.6M
outflow2223Sussex County, DE66116$10.3M
outflow2223Arlington County, VA6571$5.2M
inflow2223Adams County, PA6294$4.0M
inflow2223Alexandria city, VA6191$6.9M
inflow2223Foreign - APO/FPO ZIPs, FR61149$5.9M
outflow2223Horry County, SC60115$5.4M
inflow2223Jefferson County, WV5486$3.0M
outflow2223York County, PA5495$4.8M
inflow2223Arlington County, VA5485$6.5M
inflow2223Prince William County, VA5180$4.9M
outflow2223Philadelphia County, PA5153$2.2M
outflow2223Los Angeles County, CA4558$2.3M
outflow2223New York County, NY4451$4.1M
outflow2223Mecklenburg County, NC4462$3.4M
inflow2223Los Angeles County, CA4480$4.6M
outflow2223Foreign - Other flows, FR44100$4.0M
inflow2223Harford County, MD4373$4.0M
outflow2223Wake County, NC4279$3.5M
inflow2223York County, PA4259$2.6M
outflow2223Foreign - Overseas, FR4168$3.4M
inflow2223Allegheny County, PA3858$3.5M
outflow2223Allegheny County, PA3647$2.5M
outflow2223Hillsborough County, FL3557$3.5M
outflow2223Maricopa County, AZ3566$3.4M
outflow2223Allegany County, MD3457$1.9M
outflow2223Harris County, TX3461$3.2M
outflow2223Alexandria city, VA3446$2.7M
inflow2223Foreign - Other flows, FR3380$2.8M
outflow2223Prince William County, VA3264$3.2M
outflow2223Harford County, MD3248$1.8M
outflow2223Bexar County, TX3164$2.4M
inflow2223Sussex County, DE2944$3.0M
outflow2223Frederick County, VA2951$2.2M
inflow2223San Diego County, CA2953$3.1M
outflow2223Cumberland County, PA2844$2.5M
inflow2223Kings County, NY2838$1.9M
inflow2223Wake County, NC2846$2.4M
outflow2223Lee County, FL2757$5.1M
outflow2223Honolulu County, HI2754$2.6M
inflow2223Calvert County, MD2642$1.8M
inflow2223Charles County, MD2645$1.8M
outflow2223Worcester County, MD2650$2.6M
outflow2223Cook County, IL2527$1.7M
outflow2223Kings County, NY2428$1.1M
outflow2223San Diego County, CA2452$2.2M
outflow2223Palm Beach County, FL2343$2.6M
inflow2223Philadelphia County, PA2232$1.5M
inflow2223Bexar County, TX2260$1.9M
inflow2223Cumberland County, PA2236$1.6M
inflow2223King County, WA2137$4.4M
inflow2223Hillsborough County, FL2141$1.4M
inflow2223Cook County, IL2140$2.1M
inflow2223Queens County, NY2134$1.5M
inflow2223Bucks County, PA2138$2.1M
inflow2223Frederick County, VA2135$2.2M
outflow2223King County, WA2130$1.6M
outflow2223Franklin County, OH2132$999K
outflow2223Pinellas County, FL2138$2.6M
outflow2223El Paso County, CO2141$1.7M
outflow2223Dallas County, TX2034$1.9M
inflow2223Middlesex County, MA2036$2.8M
inflow2223Middlesex County, NJ2048$3.3M
inflow2223Nassau County, NY2027$1.6M
inflow2223Lancaster County, PA2032$1.4M
outflow2223Dauphin County, PA2026$1.3M
outflow2223Middlesex County, MA2025$2.0M
inflow2223Orange County, FL2042$2.0M
inflow2223Honolulu County, HI2052$2.1M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Montgomery County, MD2,6905,302$257.8M
outflow2122Other flows - South, DS1,3092,415$131.2M
inflow2122Other flows - South, DS1,0681,982$88.4M
outflow2122Washington County, MD9991,787$59.5M
outflow2122Montgomery County, MD9411,571$80.3M
inflow2122Other flows - Northeast, DS496866$43.8M
inflow2122Howard County, MD4711,010$53.7M
inflow2122Washington County, MD464813$29.2M
outflow2122Other flows - Northeast, DS437776$51.5M
outflow2122Carroll County, MD405708$31.3M
inflow2122Carroll County, MD380639$31.1M
inflow2122Other flows - West, DS348716$38.5M
outflow2122Other flows - West, DS348649$29.9M
inflow2122Baltimore County, MD297538$25.4M
inflow2122Anne Arundel County, MD295606$30.4M
outflow2122Other flows - Midwest, DS273492$28.3M
inflow2122Prince George's County, MD272563$21.3M
inflow2122Other flows - Midwest, DS262497$23.3M
inflow2122Fairfax County, VA237485$25.8M
outflow2122Berkeley County, WV221411$15.6M
inflow2122Loudoun County, VA202365$28.6M
outflow2122Baltimore County, MD173266$11.1M
outflow2122Howard County, MD166290$16.3M
outflow2122Adams County, PA158289$19.4M
inflow2122Baltimore city, MD155231$14.4M
inflow2122District of Columbia, DC155232$14.5M
outflow2122Anne Arundel County, MD154251$13.3M
outflow2122Baltimore city, MD144176$8.0M
outflow2122Jefferson County, WV133234$10.4M
outflow2122Fairfax County, VA128209$11.2M
outflow2122Loudoun County, VA126221$10.9M
outflow2122Franklin County, PA125215$8.3M
outflow2122Prince George's County, MD124189$6.9M
inflow2122Berkeley County, WV93155$7.3M
outflow2122District of Columbia, DC92105$6.5M
outflow2122Sussex County, DE81145$11.1M
outflow2122York County, PA77119$5.2M
inflow2122Arlington County, VA73103$7.9M
inflow2122Prince William County, VA70129$6.5M
inflow2122Adams County, PA68120$4.9M
inflow2122Franklin County, PA66108$5.0M
inflow2122Alexandria city, VA6598$6.2M
outflow2122Horry County, SC60126$6.4M
inflow2122Jefferson County, WV5787$4.0M
outflow2122Foreign - APO/FPO ZIPs, FR57139$5.1M
outflow2122Arlington County, VA5365$4.8M
inflow2122Foreign - APO/FPO ZIPs, FR49142$4.5M
inflow2122San Diego County, CA4496$3.6M
outflow2122Hillsborough County, FL4274$4.1M
outflow2122Los Angeles County, CA4057$2.4M
inflow2122Harford County, MD3983$3.3M
outflow2122Worcester County, MD3963$3.4M
inflow2122York County, PA3955$2.8M
inflow2122Allegheny County, PA3960$4.0M
outflow2122Mecklenburg County, NC3960$2.6M
inflow2122Sussex County, DE3866$3.0M
inflow2122Los Angeles County, CA3766$8.5M
outflow2122Maricopa County, AZ3760$4.1M
inflow2122Cumberland County, PA3763$2.9M
outflow2122New York County, NY3540$3.1M
inflow2122Charles County, MD3461$2.5M
inflow2122Bexar County, TX3387$2.6M
outflow2122Harford County, MD3352$2.6M
outflow2122Wake County, NC3361$4.1M
outflow2122Orange County, FL3250$2.3M
outflow2122Philadelphia County, PA3249$2.2M
outflow2122Allegheny County, PA3154$2.5M
outflow2122Alexandria city, VA3046$2.7M
outflow2122Pinellas County, FL3048$2.9M
outflow2122Sarasota County, FL2950$4.9M
outflow2122San Diego County, CA2845$2.7M
inflow2122Kings County, NY2743$2.3M
outflow2122Travis County, TX2737$3.2M
outflow2122Prince William County, VA2741$2.1M
outflow2122Allegany County, MD2633$1.0M
inflow2122Calvert County, MD2639$2.2M
outflow2122Bexar County, TX2650$2.1M
inflow2122Mecklenburg County, NC2649$2.2M
inflow2122Allegany County, MD2534$1.6M
outflow2122Wicomico County, MD2534$2.6M
outflow2122Middlesex County, MA2544$2.6M
outflow2122Lancaster County, PA2544$1.7M
inflow2122Wake County, NC2554$2.4M
outflow2122Denver County, CO2427$1.4M
outflow2122Brunswick County, NC2450$3.4M
outflow2122Palm Beach County, FL2437$2.0M
inflow2122New York County, NY2442$2.2M
inflow2122Broward County, FL2442$2.4M
outflow2122Cook County, IL2441$2.0M
outflow2122Miami-Dade County, FL2336$1.5M
outflow2122Dallas County, TX2332$2.0M
inflow2122Worcester County, MD2336$2.6M
inflow2122Montgomery County, PA2355$3.1M
inflow2122Philadelphia County, PA2331$1.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Frederick County.

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

2023PurchaseNo CharacteristicAll Appraisals2,635.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals597.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals3,232.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals465,000.0
2023BothNo CharacteristicAll Appraisals480,000.0
2023PurchaseNo CharacteristicAll Appraisals485,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals485,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals497,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,336.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals450,000.0
2022BothNo CharacteristicAll Appraisals5,218.0
2022PurchaseNo CharacteristicAll Appraisals3,882.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals446,000.0
2021BothNo CharacteristicAll Appraisals8,978.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals4,977.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals4,001.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals450,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals450,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals9,395.0
2020PurchaseNo CharacteristicAll Appraisals4,416.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals405,000.0
2020RefinanceNo CharacteristicAll Appraisals415,000.0
2020RefinanceNo CharacteristicAll Appraisals4,979.0
2020PurchaseNo CharacteristicAll Appraisals395,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals380,000.0
2019PurchaseNo CharacteristicAll Appraisals3,757.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals390,000.0
2019BothNo CharacteristicAll Appraisals6,736.0
2019RefinanceNo CharacteristicAll Appraisals2,979.0
2019PurchaseNo CharacteristicAll Appraisals374,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals365,000.0
2018BothNo CharacteristicAll Appraisals4,896.0
2018PurchaseNo CharacteristicAll Appraisals3,431.0
2018RefinanceNo CharacteristicAll Appraisals1,465.0
2018BothNo CharacteristicAll Appraisals365,000.0
2018PurchaseNo CharacteristicAll Appraisals365,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals360,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals5,171.0
2017PurchaseNo CharacteristicAll Appraisals3,167.0
2017PurchaseNo CharacteristicAll Appraisals350,000.0
2017RefinanceNo CharacteristicAll Appraisals2,004.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals353,000.0
2016PurchaseNo CharacteristicAll Appraisals2,875.0
2016RefinanceNo CharacteristicAll Appraisals375,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals325,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals354,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals6,402.0
2016RefinanceNo CharacteristicAll Appraisals3,527.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals325,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals368,000.0
2015BothNo CharacteristicAll Appraisals5,455.0
2015RefinanceNo CharacteristicAll Appraisals2,831.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals2,624.0
2015BothNo CharacteristicAll Appraisals347,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals340,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05153,362148,1795,1833.4%
2026-04153,569147,5236,0463.9%
2026-03154,359148,4065,9533.9%
2026-02153,706146,9696,7374.4%
2026-01151,959146,0405,9193.9%
2025-12153,470148,5954,8753.2%
2025-11153,775148,0635,7123.7%
2025-09155,383149,3116,0723.9%
2025-08156,845150,6926,1533.9%
2025-07159,519153,4136,1063.8%
2025-06158,690152,8745,8163.7%
2025-05156,697151,5935,1043.3%
2025-04157,107152,3044,8033.1%
2025-03158,814153,5905,2243.3%
2025-02157,064151,7185,3463.4%
2025-01156,548151,8794,6693.0%
2024-12156,929152,9723,9572.5%
2024-11157,070152,4604,6102.9%
2024-10158,262153,6674,5952.9%
2024-09157,909153,6174,2922.7%
2024-08158,755153,8314,9243.1%
2024-07161,106156,0585,0483.1%
2024-06159,695154,7624,9333.1%
2024-05157,185153,4603,7252.4%
2024-04157,523154,0483,4752.2%
2024-03159,423155,1804,2432.7%
2024-02158,091153,7194,3722.8%
2024-01156,820152,8703,9502.5%
2023-12155,763152,5353,2282.1%
2023-11155,617152,5323,0852.0%
2023-10156,254152,8483,4062.2%
2023-09156,072152,9363,1362.0%
2023-08157,075153,8283,2472.1%
2023-07159,063156,0353,0281.9%
2023-06156,803154,0532,7501.8%
2023-05154,904152,5482,3561.5%
2023-04154,903152,8652,0381.3%
2023-03156,536153,7522,7841.8%
2023-02155,488152,1063,3822.2%
2023-01154,498151,2233,2752.1%
2022-12153,121150,3962,7251.8%
2022-11152,262149,0743,1882.1%
2022-10153,882150,2143,6682.4%
2022-09153,182149,6153,5672.3%
2022-08154,472150,1544,3182.8%
2022-07156,048151,7824,2662.7%
2022-06153,952149,2324,7203.1%
2022-05152,258148,5443,7142.4%
2022-04151,264147,9453,3192.2%
2022-03152,965148,7904,1752.7%
2022-02152,259147,6864,5733.0%
2022-01151,223146,9004,3232.9%
2021-12149,310145,5833,7272.5%
2021-11148,837144,4254,4123.0%
2021-10149,098144,0985,0003.4%
2021-09148,357143,0825,2753.6%
2021-08149,017143,0835,9344.0%
2021-07151,181144,9976,1844.1%
2021-06149,695142,3977,2984.9%
2021-05147,539141,2856,2544.2%
2021-04147,433141,3266,1074.1%
2021-03148,089141,2626,8274.6%
2021-02147,554140,1317,4235.0%
2021-01147,291139,7877,5045.1%
2020-12143,486136,3677,1195.0%
2020-11143,456136,4956,9614.9%
2020-10145,087137,8627,2255.0%
2020-09144,073136,2117,8625.5%
2020-08146,136138,0538,0835.5%
2020-07146,896137,3739,5236.5%
2020-06145,276135,24010,0366.9%
2020-05144,963133,54411,4197.9%
2020-04146,292134,99611,2967.7%
2020-03154,335149,2095,1263.3%
2020-02155,370150,8664,5042.9%
2020-01154,937150,4724,4652.9%
2019-12151,606148,0533,5532.3%
2019-11151,163147,4793,6842.4%
2019-10151,827147,9063,9212.6%
2019-09151,035147,2323,8032.5%
2019-08151,767147,4704,2972.8%
2019-07154,300149,4834,8173.1%
2019-06152,906148,2384,6683.1%
2019-05150,478146,5963,8822.6%
2019-04150,230146,6463,5842.4%
2019-03150,661146,1274,5343.0%
2019-02150,111145,1924,9193.3%
2019-01150,176145,0125,1643.4%
2018-12146,555142,5354,0202.7%
2018-11145,888141,8204,0682.8%
2018-10146,620142,2474,3733.0%
2018-09145,004140,7634,2412.9%
2018-08145,797141,4044,3933.0%
2018-07148,924143,9484,9763.3%
2018-06147,865142,6145,2513.6%
2018-05145,284140,9934,2913.0%
2018-04145,493141,3414,1522.9%
2018-03146,253141,2694,9843.4%
2018-02146,180140,7315,4493.7%
2018-01145,471140,0725,3993.7%

BEA Personal Income

2024$23.62B299,317$79K
2023$22.12B294,154$75K
2022$20.53B288,316$71K
2021$19.62B280,666$70K
2020$17.68B272,787$65K
2019$16.55B267,598$62K
2018$15.64B261,932$60K
2017$14.79B256,516$58K
2016$14.05B251,993$56K
2015$13.37B249,111$54K
2014$12.90B246,698$52K
2013$12.42B243,671$51K
2012$12.34B241,406$51K
2011$12.09B238,270$51K
2010$11.51B234,428$49K
2009$11.11B230,942$48K
2008$11.03B229,286$48K
2007$10.51B227,463$46K
2006$9.90B224,211$44K
2005$9.26B221,201$42K
2004$8.68B217,776$40K
2003$8.05B213,827$38K
2002$7.55B209,194$36K
2001$7.15B202,315$35K
2000$6.46B196,563$33K
1999$5.78B191,606$30K
1998$5.41B187,144$29K
1997$4.94B183,285$27K
1996$4.54B179,284$25K
1995$4.28B175,923$24K
1994$4.04B171,801$24K
1993$3.80B166,136$23K
1992$3.56B160,140$22K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-07-31$6K$6K$0Yes
2025-07-31$2K$2K$0Yes
2024-12-07$5K$4K$826.49Yes
2022-05-27$0——Yes
2022-02-03$6K$6K$0Yes
2021-09-01$0——Yes
2021-09-01$11K$11K$0Yes
2021-09-01$30K$30K$0Yes
2021-09-01$0$0$0No
2021-09-01$5K$5K$0Yes
2021-09-01$36K$35K$1KYes
2021-09-01$7K$7K$0Yes
2021-05-03$0$0$0Yes
2020-11-15$0——Yes
2019-07-23$0——Yes
2019-07-08$20K$17K$3KYes
2019-07-08$14K$11K$2KYes
2019-07-08$0$0$0No
2019-07-08$4K$4K$0Yes
2019-07-08$0——Yes
2019-07-08$3K$3K$0No
2019-07-08$6K$6K$0No
2019-03-21$1K$1K$0Yes
2019-03-21$4K$4K$598.92Yes
2018-11-24$0——Yes
2018-11-17$12K$12K$0Yes
2018-11-05$0——Yes
2018-10-01$4K$4K$0Yes
2018-10-01$7K$7K$0No
2018-08-12$23K$23K$0Yes
2018-08-12$4K$4K$0Yes
2018-07-21$17K$14K$3KYes
2018-07-21$0——Yes
2018-07-17$18K$7K$11KNo
2018-06-04$0——Yes
2018-06-01$0——Yes
2018-05-17$8K$8K$0Yes
2018-05-17$7K$7K$0No
2018-05-17$5K$5K$0No
2018-05-17$0——Yes
2018-05-17$5K$5K$0Yes
2018-05-17$3K$3K$0Yes
2018-05-17$6K$6K$0Yes
2018-05-16$3K$3K$0Yes
2018-05-16$13K$13K$0Yes
2018-05-16$0——Yes
2018-05-15$8K$8K$0Yes
2018-05-15$19K$16K$3KYes
2018-05-15$9K$9K$0No
2018-05-15$0——No
2018-05-15$20K$20K$0Yes
2018-05-15$4K$0$4KNo
2018-05-15$3K$0$3KYes
2018-05-15$24K$24K$0Yes
2018-05-15$22K$14K$8KYes
2018-05-15$11K$10K$2KYes
2018-05-15$1K$1K$0Yes
2018-05-15$13K$13K$0Yes
2018-05-15$3K$3K$0No
2018-05-15$20K$20K$0Yes
2018-05-15$12K$12K$0Yes
2018-05-15$19K$19K$432.46Yes
2018-05-15$2K$2K$0No
2018-05-15$60K$60K$0Yes
2018-05-15$750.69$750.69$0Yes
2018-05-15$5K$5K$0Yes
2018-05-15$0——Yes
2018-05-15$0——Yes
2018-05-15$20K$20K$0Yes
2018-05-15$12K$12K$0Yes
2018-05-15$14K$14K$0Yes
2018-05-15$0——Yes
2018-05-14$0——Yes
2017-07-28$2K$2K$0Yes
2016-08-17$0——Yes
2015-09-29$0——Yes
2015-09-29$9K$9K$0Yes
2015-09-29$17K$17K$0No
2015-09-29$13K$12K$1KYes
2015-09-29$3K$3K$0Yes
2014-06-11$6K$6K$0Yes
2014-05-17$0——No
2014-05-16$0——Yes
2014-05-16$0——Yes
2013-02-15$0——Yes
2012-10-30$0——Yes
2012-10-29$6K$6K$0Yes
2012-10-29$6K$6K$0Yes
2012-10-29$6K$6K$0Yes
2012-09-18$0——Yes
2011-11-22$0——Yes
2011-08-27$1K$1K$0Yes
2011-05-26$0——Yes
2011-04-17$0——No
2011-04-16$7K$4K$3KNo
2011-04-16$8K$8K$0Yes
2011-04-16$0——Yes
2010-03-13$0——Yes
2010-03-13$0——No
2010-03-13$16K$15K$797.5Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN FREDERICK COUNTY →Opens the loan explorer already filtered to county FIPS 24021.

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