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MortRadarTERMINAL
State markets/Maryland/Montgomery County

COUNTY MORTGAGE MARKET · FIPS 24031

Montgomery County, Maryland

Who lends in Montgomery 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

$8.57B

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

Originations · 2025

16,640

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

Denial rate · 2025

17.4%

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

Lenders active · 2025

521

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

Concentration (HHI)

178

unconcentrated

Top-5 lender share

21.6%

of originations

Purchase

64.1%

8,615 loans

Refinance

35.9%

4,821 loans

Origination trend

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

Lenders in Montgomery 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 Montgomery 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 MONTGOMERY COUNTY →

TOP TEN LENDERS IN MONTGOMERY 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.

795$460.1M$460.1M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,166$449.1M$449.1M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
739$375.4M$375.4M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
310$306.7M$306.7M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
463$258.0M$258.0M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4$205.2M$205.2M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
361$201.4M$201.4M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
488$198.2M$198.2M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
273$190.4M$190.4M originated in Montgomery County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
195$184.2M$184.2M originated in Montgomery 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 Montgomery County

All 53 ZIP Code Tabulation Areas that touch Montgomery 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.
53 OF 53 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1515 of the 19 Montgomery County tracts this ZIP area touches sit mostly inside it.71,66576.4%16,080——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 10 Montgomery County tracts this ZIP area touches sit mostly inside it.67,27268.3%15,403——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 20 Montgomery County tracts this ZIP area touches sit mostly inside it.61,12957.7%14,596——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Montgomery County tracts this ZIP area touches sit mostly inside it.57,14278.7%12,367——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 17 Montgomery County tracts this ZIP area touches sit mostly inside it.55,20655.6%11,596——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Montgomery County tracts this ZIP area touches sit mostly inside it.51,97441.5%15,369——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Montgomery County tracts this ZIP area touches sit mostly inside it.51,54651.2%8,939——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Montgomery County tracts this ZIP area touches sit mostly inside it.51,25668.2%10,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Montgomery County tracts this ZIP area touches sit mostly inside it.45,10757.3%6,785——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Montgomery County tracts this ZIP area touches sit mostly inside it.36,07676.2%7,969——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Montgomery County tracts this ZIP area touches sit mostly inside it.36,05135.4%10,390——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Montgomery County tracts this ZIP area touches sit mostly inside it.33,64179.1%4,457——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 Montgomery County tracts this ZIP area touches sit mostly inside it.32,96036.1%7,190——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Montgomery County tracts this ZIP area touches sit mostly inside it.31,84361.4%7,765——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Montgomery County tracts this ZIP area touches sit mostly inside it.31,67871.3%7,142——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Montgomery County tracts this ZIP area touches sit mostly inside it.29,71927.6%7,862——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Montgomery County tracts this ZIP area touches sit mostly inside it.29,62555.9%8,040——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.29,55471.6%6,989——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Montgomery County tracts this ZIP area touches sit mostly inside it.27,80141.8%8,248——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Montgomery County tracts this ZIP area touches sit mostly inside it.26,25267.5%4,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Montgomery County tracts this ZIP area touches sit mostly inside it.24,62535.7%7,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 15 Montgomery County tracts this ZIP area touches sit mostly inside it.23,34674.1%5,876——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.23,10988.7%2,122——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.20,77259.9%5,595——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.18,76324.6%5,713——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.18,34583.0%4,474——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.15,77037.7%5,121——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.12,28460.3%3,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Montgomery County tracts this ZIP area touches sit mostly inside it.10,87261.6%3,002——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.10,34044.3%2,896——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Montgomery County tract this ZIP area touches sit mostly inside it.7,19627.9%1,885——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Montgomery County tracts this ZIP area touches sit mostly inside it.6,48040.7%2,075——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 7 Montgomery County tracts this ZIP area touches sit mostly inside it.5,81672.6%1,555——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Montgomery County tracts this ZIP area touches sit mostly inside it.4,49435.0%1,214——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Montgomery County tracts this ZIP area touches sit mostly inside it.2,35224.7%706——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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.

232 of Montgomery County’s 232 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 Montgomery County

All 232 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.

232 OF 232 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper130.0%4,57039.6%OPEN →
Upper147.5%5,49240.6%OPEN →
Middle100.9%5,48666.9%OPEN →
Middle109.2%6,40668.1%OPEN →
Moderate71.6%2,10327.1%OPEN →
Middle102.6%5,70833.3%OPEN →
Middle92.3%5,80454.0%OPEN →
Middle100.5%2,43335.9%OPEN →
Upper140.0%4,45129.7%OPEN →
Upper128.4%9,41674.9%OPEN →
Middle99.9%7,83369.9%OPEN →
Middle88.8%6,22159.4%OPEN →
Moderate79.9%5,80774.3%OPEN →
Moderate79.0%6,96271.1%OPEN →
Middle87.2%3,71375.3%OPEN →
Upper123.2%3,83973.0%OPEN →
Upper150.6%6,32471.5%OPEN →
Middle98.7%3,85176.2%OPEN →
Middle119.5%6,67365.9%OPEN →
Middle99.3%3,29068.8%OPEN →
Upper132.5%2,35224.7%OPEN →
Upper136.7%7,19627.9%OPEN →
Upper176.9%6,72531.9%OPEN →
Middle115.3%4,19250.5%OPEN →
Upper193.7%5,80052.7%OPEN →
Middle110.9%1,93838.4%OPEN →
Upper163.9%5,81672.6%OPEN →
Middle119.5%6,63665.3%OPEN →
Moderate56.0%5,62474.6%OPEN →
Upper147.5%2,89532.2%OPEN →
Upper158.2%4,57348.5%OPEN →
Upper132.8%2,54666.1%OPEN →
Upper174.9%5,09368.9%OPEN →
Moderate62.3%4,69178.4%OPEN →
Middle93.6%6,71870.0%OPEN →
Middle102.1%6,73363.3%OPEN →
Low28.7%6,08190.6%OPEN →
Moderate70.3%6,11777.7%OPEN →
Middle93.2%5,48753.1%OPEN →
Middle93.6%3,15076.8%OPEN →
Low39.9%3,20078.9%OPEN →
Middle80.1%3,75655.9%OPEN →
Low29.3%3,27990.3%OPEN →
Low43.3%6,27088.8%OPEN →
Moderate55.5%3,14982.5%OPEN →
Moderate54.5%1,79371.0%OPEN →
Middle99.9%2,04364.7%OPEN →
Middle93.7%2,57978.8%OPEN →
Middle97.5%5,34372.1%OPEN →
Low47.7%4,26181.0%OPEN →
Moderate62.6%3,36186.4%OPEN →
Moderate66.1%5,48078.9%OPEN →
Middle93.9%5,27770.5%OPEN →
Moderate56.5%5,01081.0%OPEN →
Middle87.4%4,66967.7%OPEN →
Moderate66.2%6,35376.5%OPEN →
Moderate76.4%8,25579.2%OPEN →
Moderate50.5%6,62485.2%OPEN →
Moderate78.3%6,58570.8%OPEN →
Moderate58.2%3,09782.5%OPEN →
Moderate62.3%1,77179.2%OPEN →
Middle111.8%3,50949.3%OPEN →
Upper130.5%2,87235.4%OPEN →
Upper133.3%5,82232.2%OPEN →
Upper172.8%2,25844.6%OPEN →
Middle112.9%3,49857.1%OPEN →
Moderate61.1%2,37683.1%OPEN →
Moderate66.8%3,20681.8%OPEN →
Middle80.1%4,60081.8%OPEN →
Moderate53.5%5,10582.3%OPEN →
Middle97.6%4,38870.8%OPEN →
Moderate58.5%1,52163.8%OPEN →
Moderate75.2%7,44380.0%OPEN →
Middle93.3%4,72057.0%OPEN →
Middle83.8%4,93158.3%OPEN →
Middle82.8%5,21357.2%OPEN →
Moderate76.2%3,81668.2%OPEN →
Moderate69.6%2,37771.1%OPEN →
Moderate68.6%4,14170.7%OPEN →
Middle84.6%4,14959.5%OPEN →
Middle107.5%5,50348.6%OPEN →
Upper164.3%4,08933.9%OPEN →
Middle113.3%5,30142.9%OPEN →
Upper125.6%3,28140.7%OPEN →
Upper149.7%5,55044.5%OPEN →
Middle84.1%3,12955.1%OPEN →
Middle100.5%4,70558.4%OPEN →
Moderate73.4%6,16764.0%OPEN →
Moderate79.3%6,14459.8%OPEN →
Upper180.1%2,78525.2%OPEN →
Upper184.5%7,09031.4%OPEN →
Upper159.8%6,57944.3%OPEN →
Upper170.6%3,97735.8%OPEN →
Middle105.4%6,35060.8%OPEN →
Upper138.2%2,72339.5%OPEN →
Upper121.1%3,71844.6%OPEN →
Middle111.0%4,66243.2%OPEN →
Middle85.4%5,98651.2%OPEN →
Moderate77.4%3,05052.6%OPEN →
Low45.8%3,87975.5%OPEN →
Upper146.4%3,97059.3%OPEN →
Upper125.5%4,49162.7%OPEN →
Upper129.8%3,78437.3%OPEN →
Middle102.2%3,15843.8%OPEN →
Upper133.7%3,78929.7%OPEN →
Upper147.6%6,04527.5%OPEN →
Upper143.3%3,00028.4%OPEN →
Upper131.4%4,59852.4%OPEN →
Upper150.8%4,23451.0%OPEN →
Middle116.4%6,45838.4%OPEN →
Upper127.6%3,78546.5%OPEN →
Middle116.1%2,88549.6%OPEN →
Middle109.2%4,39448.2%OPEN →
Middle110.0%6,48040.7%OPEN →
Upper150.5%4,49435.0%OPEN →
Middle119.0%5,57861.6%OPEN →
Middle112.2%6,70659.2%OPEN →
Upper130.8%4,36164.3%OPEN →
Middle97.2%7,59282.0%OPEN →
Moderate72.4%7,91677.1%OPEN →
Moderate54.6%6,16888.5%OPEN →
Middle82.5%3,52485.7%OPEN →
Low39.9%2,90296.7%OPEN →
Moderate68.9%5,11892.4%OPEN →
Middle91.3%3,46479.2%OPEN →
Middle89.6%3,71769.4%OPEN →
Middle95.6%5,39888.2%OPEN →
Middle87.3%3,46884.6%OPEN →
Middle114.3%7,44075.4%OPEN →
Moderate77.0%7,01079.4%OPEN →
Upper131.2%5,14461.4%OPEN →
Upper124.4%5,13365.9%OPEN →
Low34.2%4,14293.9%OPEN →
Low40.7%7,18189.9%OPEN →
Moderate61.5%2,12894.7%OPEN →
Low39.8%6,79095.3%OPEN →
Upper126.1%3,52443.0%OPEN →
Moderate62.3%2,27476.8%OPEN →
Middle83.1%3,71966.6%OPEN →
Middle110.1%3,03348.5%OPEN →
Middle94.0%4,86959.8%OPEN →
Moderate67.9%3,39573.8%OPEN →
Low38.7%5,43893.5%OPEN →
Moderate51.4%6,02191.2%OPEN →
Upper153.2%3,40625.7%OPEN →
Upper136.9%4,36145.0%OPEN →
Moderate57.5%3,55181.7%OPEN →
Middle84.8%4,43461.4%OPEN →
Upper127.2%2,72239.5%OPEN →
Moderate77.6%4,66565.9%OPEN →
Middle116.0%4,11663.6%OPEN →
Low40.6%1,73174.4%OPEN →
Moderate72.8%4,01464.0%OPEN →
Moderate66.0%4,76965.4%OPEN →
Middle96.9%2,18662.6%OPEN →
Moderate71.2%2,82162.1%OPEN →
Moderate71.3%7,38060.5%OPEN →
Upper132.6%5,26447.3%OPEN →
Upper175.8%5,43937.2%OPEN →
Upper123.5%1,82937.5%OPEN →
Upper127.1%4,48156.2%OPEN →
Middle101.2%7,54659.3%OPEN →
Upper126.1%5,78041.7%OPEN →
Middle102.8%3,95169.5%OPEN →
Moderate62.1%5,90680.0%OPEN →
Middle115.4%5,42533.0%OPEN →
Moderate74.4%6,61873.7%OPEN →
Middle101.4%3,76063.9%OPEN →
Low39.8%6,32191.4%OPEN →
Low43.8%7,34588.8%OPEN →
Moderate64.7%3,35778.0%OPEN →
Low43.5%3,88955.3%OPEN →
Moderate68.4%1,96327.4%OPEN →
Middle84.0%3,36329.7%OPEN →
Moderate77.0%5,05579.0%OPEN →
Middle86.8%4,69469.9%OPEN →
Middle90.1%4,73782.6%OPEN →
Upper121.3%6,42075.3%OPEN →
Moderate68.1%5,06478.8%OPEN →
Moderate69.4%4,44683.7%OPEN →
Moderate72.9%5,87185.7%OPEN →
Middle93.9%4,03582.4%OPEN →
Moderate75.9%3,97084.5%OPEN →
Moderate58.1%3,11891.5%OPEN →
Moderate57.5%6,69484.2%OPEN →
Middle90.2%3,10849.9%OPEN →
Middle99.0%4,75058.1%OPEN →
Upper124.5%2,92837.8%OPEN →
Moderate61.0%4,05385.4%OPEN →
Moderate77.5%4,14774.5%OPEN →
Moderate63.8%4,12674.2%OPEN →
Upper145.6%3,10943.6%OPEN →
Middle84.6%7,46970.2%OPEN →
Middle93.4%7,28561.5%OPEN →
Upper176.9%4,84422.2%OPEN →
Upper148.6%2,12233.9%OPEN →
Upper156.6%4,08821.5%OPEN →
Upper168.9%3,66441.9%OPEN →
Middle93.0%1,62235.0%OPEN →
Upper185.3%5,73336.7%OPEN →
Upper175.0%3,74242.2%OPEN →
Upper191.8%2,78631.7%OPEN →
Upper193.7%4,24728.0%OPEN →
Upper193.7%5,25532.4%OPEN →
Upper193.7%3,81621.5%OPEN →
Middle95.1%4,31842.5%OPEN →
Upper152.2%1,88631.9%OPEN →
Upper137.8%2,67939.2%OPEN →
Middle117.2%4,53142.6%OPEN →
Upper184.3%5,31130.9%OPEN →
Upper192.7%5,66526.7%OPEN →
Upper193.7%3,34419.5%OPEN →
Upper193.7%2,04912.6%OPEN →
Upper193.7%2,90418.7%OPEN →
Middle112.2%2,37736.6%OPEN →
Upper193.7%4,09721.8%OPEN →
Upper193.7%3,05722.1%OPEN →
Upper138.0%4,96532.9%OPEN →
Upper168.6%4,65229.4%OPEN →
Upper177.8%4,56520.0%OPEN →
Upper192.0%6,48925.6%OPEN →
Upper193.7%4,50130.7%OPEN →
Upper193.7%4,40233.4%OPEN →
Upper193.7%4,61633.8%OPEN →
Upper193.7%4,66440.4%OPEN →
Upper193.7%7,27043.8%OPEN →
Upper193.7%5,30133.8%OPEN →
Upper193.7%5,56936.2%OPEN →
Upper161.7%3,14749.0%OPEN →
Upper170.3%5,57842.8%OPEN →
Middle112.6%3,52255.8%OPEN →
Upper165.9%2,98034.8%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

1,065,949

Median household income

$132,450

Median home value

$640,300

Median gross rent

$2,068

per month

Owner-occupied

65.3%

of occupied units

Housing units

406,531

4.3% vacant

Poverty rate

7.5%

Unemployment

4.9%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 91.7

Social vulnerability

Very Low

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Hail Relatively High · Strong wind Relatively High · Heat wave Relatively High · 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

71

Declarations recorded

21

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

Everything we hold on Montgomery 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 Montgomery County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Montgomery County →Every reported application and origination in FIPS 24031, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Montgomery 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

818

—

Purchase share

52.9%

433 loans

IRRRL refinances

313

Cash-out refinances

72

2026818—43331372
2025730—48914596
2024515—4074761
2023531—458568
2022——696283315
20213,500—7822,390328
20202,793—7661,738289
20191,084—656236192
20181,034—668135231
20171,521—689471361
20161,647—686650311
20151,462—663509290

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 Montgomery 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

Montgomery 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

804

−46.1% vs 2024

Multifamily · 2025

607

−72.0% vs 2024

Total authorized · 2025

1,411

−61.4% vs 2024

Permit valuation · 2025

$272.1M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420251,411 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 Montgomery County, showing population movement and wealth transfer.

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

outflow2223Prince George's County, MD3,8236,334$215.7M
inflow2223Prince George's County, MD3,7356,486$215.3M
inflow2223District of Columbia, DC3,1205,079$477.9M
outflow2223District of Columbia, DC2,4203,096$261.8M
outflow2223Frederick County, MD2,3524,543$238.5M
outflow2223Other flows - South, DS1,7203,033$194.4M
inflow2223Other flows - South, DS1,5842,509$118.8M
outflow2223Fairfax County, VA1,3962,168$175.1M
outflow2223Howard County, MD1,2932,311$129.8M
inflow2223Fairfax County, VA1,0401,651$123.1M
outflow2223Anne Arundel County, MD9971,671$113.3M
inflow2223Frederick County, MD9411,492$71.9M
inflow2223Howard County, MD8561,342$86.8M
outflow2223Arlington County, VA754864$64.8M
inflow2223Other flows - Midwest, DS7511,115$56.3M
outflow2223Other flows - Northeast, DS7491,142$84.2M
outflow2223Other flows - Midwest, DS7171,202$65.7M
outflow2223Baltimore city, MD701909$45.7M
inflow2223Other flows - Northeast, DS6891,005$56.5M
outflow2223Baltimore County, MD666978$44.9M
outflow2223New York County, NY645703$67.9M
inflow2223Arlington County, VA625870$99.0M
inflow2223Anne Arundel County, MD622928$58.6M
outflow2223Other flows - West, DS579955$73.5M
outflow2223Foreign - Overseas, FR5751,034$67.9M
inflow2223Other flows - West, DS571972$53.9M
inflow2223Baltimore County, MD558854$40.4M
inflow2223Baltimore city, MD527720$40.6M
outflow2223Washington County, MD434836$25.4M
outflow2223Los Angeles County, CA405532$37.1M
outflow2223Loudoun County, VA366644$44.0M
outflow2223Alexandria city, VA339446$28.4M
inflow2223Alexandria city, VA303474$33.9M
inflow2223Los Angeles County, CA298471$38.0M
inflow2223New York County, NY286418$45.8M
outflow2223Kings County, NY284324$24.1M
outflow2223Sussex County, DE263448$54.0M
outflow2223Cook County, IL259329$19.9M
inflow2223Foreign - Overseas, FR248491$25.1M
inflow2223Loudoun County, VA236407$24.5M
outflow2223Prince William County, VA232427$16.4M
outflow2223Carroll County, MD231398$18.9M
outflow2223King County, WA228316$26.8M
outflow2223Palm Beach County, FL223384$96.9M
outflow2223Middlesex County, MA222327$35.2M
inflow2223Foreign - Other flows, FR217575$26.7M
inflow2223Kings County, NY214325$19.5M
outflow2223Harris County, TX211367$17.6M
outflow2223San Diego County, CA208343$24.4M
inflow2223Prince William County, VA205332$12.0M
inflow2223Cook County, IL204309$25.9M
outflow2223Philadelphia County, PA201244$14.5M
outflow2223Charles County, MD193332$15.2M
outflow2223Miami-Dade County, FL186292$37.2M
inflow2223San Diego County, CA185314$19.8M
inflow2223Philadelphia County, PA182271$17.3M
inflow2223Middlesex County, MA180289$26.9M
inflow2223Washington County, MD180319$8.8M
outflow2223Foreign - APO/FPO ZIPs, FR175434$25.4M
inflow2223Queens County, NY171261$12.2M
inflow2223Miami-Dade County, FL167291$20.0M
inflow2223Harris County, TX161270$20.2M
outflow2223Mecklenburg County, NC159237$13.2M
outflow2223Broward County, FL158240$20.1M
outflow2223Suffolk County, MA158183$11.9M
outflow2223Santa Clara County, CA157213$22.8M
outflow2223Allegheny County, PA154195$12.3M
inflow2223King County, WA145250$22.7M
inflow2223Charles County, MD143247$7.7M
outflow2223Wake County, NC140239$20.9M
outflow2223Fulton County, GA139209$15.4M
outflow2223Queens County, NY134173$9.6M
outflow2223Orange County, FL131233$16.2M
inflow2223Palm Beach County, FL130195$20.3M
inflow2223Broward County, FL129217$12.1M
outflow2223Maricopa County, AZ125188$16.2M
inflow2223Carroll County, MD124204$8.5M
outflow2223Denver County, CO122148$11.5M
inflow2223Wake County, NC121177$11.9M
outflow2223Dallas County, TX118173$12.2M
outflow2223Travis County, TX116168$15.6M
outflow2223Hudson County, NJ112139$10.0M
inflow2223Suffolk County, MA112150$11.5M
outflow2223Bexar County, TX109217$10.8M
inflow2223Allegheny County, PA108172$8.3M
outflow2223Berkeley County, WV108189$7.9M
inflow2223Maricopa County, AZ108182$10.9M
inflow2223Fulton County, GA106143$10.1M
outflow2223San Francisco County, CA105125$13.7M
inflow2223Mecklenburg County, NC100165$9.1M
outflow2223Hillsborough County, FL99166$10.7M
inflow2223Bronx County, NY98143$4.8M
outflow2223Alameda County, CA98140$10.1M
inflow2223Nassau County, NY97172$7.2M
outflow2223Orange County, CA96147$9.4M
inflow2223Dallas County, TX92174$11.3M
inflow2223DeKalb County, GA88141$9.2M
inflow2223New Castle County, DE86127$6.8M
inflow2223Alameda County, CA86144$12.0M
inflow2223Hillsborough County, FL84143$6.6M
inflow2223Travis County, TX84127$9.4M
inflow2223Santa Clara County, CA84144$26.0M
inflow2223Bexar County, TX83165$8.0M
inflow2223Orange County, CA82135$6.7M
outflow2223Honolulu County, HI81156$12.0M
inflow2223Montgomery County, PA80113$8.9M
outflow2223Harford County, MD79135$6.5M
outflow2223Clark County, NV79121$6.7M
inflow2223Orange County, FL79122$5.2M
inflow2223Sussex County, DE78118$9.1M
inflow2223Hudson County, NJ78128$12.6M
outflow2223Charleston County, SC78121$15.1M
outflow2223Virginia Beach city, VA77121$6.4M
inflow2223Harford County, MD77127$7.1M
outflow2223Franklin County, OH75125$6.1M
outflow2223Richmond city, VA7493$5.2M
outflow2223New Castle County, DE74111$6.8M
outflow2223Davidson County, TN7388$7.9M
outflow2223Pinellas County, FL72117$14.5M
outflow2223Calvert County, MD71108$5.9M
inflow2223Bergen County, NJ70110$6.2M
outflow2223Montgomery County, PA70131$10.8M
outflow2223Duval County, FL69115$7.5M
inflow2223Suffolk County, NY69108$4.9M
outflow2223Durham County, NC6887$5.6M
inflow2223Franklin County, OH68103$4.1M
inflow2223Westchester County, NY68106$10.4M
inflow2223Clark County, NV68112$4.9M
inflow2223San Francisco County, CA67114$14.0M
inflow2223Honolulu County, HI67141$6.0M
outflow2223Collin County, TX67129$8.1M
outflow2223York County, PA66100$7.1M
inflow2223Middlesex County, NJ6596$8.9M
outflow2223Worcester County, MD64114$8.5M
outflow2223Jefferson County, WV64108$6.5M
outflow2223Gwinnett County, GA64108$5.2M
outflow2223El Paso County, CO63109$6.0M
inflow2223Denver County, CO6297$8.2M
inflow2223Norfolk County, MA62124$7.0M
inflow2223Essex County, NJ6197$4.6M
outflow2223Sarasota County, FL61108$16.9M
inflow2223Durham County, NC6087$5.6M
outflow2223Norfolk County, MA6086$8.2M
outflow2223Manatee County, FL60121$10.2M
inflow2223Tarrant County, TX59110$7.3M
outflow2223Middlesex County, NJ58104$8.4M
outflow2223Cuyahoga County, OH5883$5.2M
outflow2223Dane County, WI5775$3.9M
outflow2223Tarrant County, TX5790$5.4M
inflow2223Davidson County, TN5680$6.1M
outflow2223Collier County, FL5698$20.1M
outflow2223Queen Anne's County, MD5598$8.2M
outflow2223Horry County, SC55101$5.7M
inflow2223Bucks County, PA5580$4.4M
inflow2223Western Connecticut Planning Regi, CT5598$6.1M
outflow2223Suffolk County, NY5470$4.1M
inflow2223Gwinnett County, GA5498$3.5M
outflow2223DeKalb County, GA5373$3.5M
outflow2223Stafford County, VA53117$2.8M
outflow2223Bergen County, NJ5384$7.1M
inflow2223Pinellas County, FL5368$3.5M
outflow2223Washtenaw County, MI5277$4.7M
inflow2223Calvert County, MD5276$3.9M
outflow2223Chesterfield County, VA5179$4.6M
outflow2223Norfolk city, VA5187$7.9M
inflow2223St. Mary's County, MD5077$4.3M
inflow2223Henrico County, VA5085$5.3M
inflow2223Capitol Planning Region, CT5079$4.9M
inflow2223Duval County, FL5090$3.7M
outflow2223Pierce County, WA5097$6.0M
outflow2223Frederick County, VA5062$3.2M
inflow2223Wicomico County, MD5062$2.2M
outflow2223Essex County, NJ4973$4.7M
inflow2223Richmond city, VA4961$3.5M
inflow2223Cuyahoga County, OH4971$5.2M
inflow2223Delaware County, PA4976$4.8M
outflow2223Denton County, TX49108$5.8M
outflow2223Westchester County, NY4982$12.1M
outflow2223St. Mary's County, MD4877$3.7M
outflow2223Cobb County, GA4888$4.2M
outflow2223St. Johns County, FL48106$9.0M
inflow2223San Mateo County, CA4890$10.7M
inflow2223Chester County, PA4767$8.9M
outflow2223Oakland County, MI4772$5.4M
outflow2223San Mateo County, CA4667$5.8M
outflow2223South Central Connecticut Plannin, CT4654$3.0M
inflow2223Cobb County, GA4677$7.0M
outflow2223Pima County, AZ4674$4.0M
outflow2223Boulder County, CO4660$4.7M
inflow2223Erie County, NY4553$2.8M
inflow2223Virginia Beach city, VA4568$3.5M
outflow2223Multnomah County, OR4454$3.6M
outflow2223Hennepin County, MN4469$4.3M
outflow2223Lee County, FL4475$8.7M
outflow2223Henrico County, VA4472$4.4M
inflow2223Hennepin County, MN4361$4.1M
inflow2223Union County, NJ4368$4.4M
outflow2223Talbot County, MD4376$11.7M
outflow2223Chester County, PA4362$5.4M
inflow2223Collin County, TX4376$4.6M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Montgomery County.

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

2023PurchaseNo CharacteristicAll Appraisals5,142.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,287.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals6,429.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals651,000.0
2023BothNo CharacteristicAll Appraisals670,000.0
2023PurchaseNo CharacteristicAll Appraisals675,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals665,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals675,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals3,126.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals640,000.0
2022BothNo CharacteristicAll Appraisals10,622.0
2022PurchaseNo CharacteristicAll Appraisals7,496.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals690,000.0
2021BothNo CharacteristicAll Appraisals21,933.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals9,862.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals12,071.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals650,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals625,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals23,545.0
2020PurchaseNo CharacteristicAll Appraisals8,561.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals600,000.0
2020RefinanceNo CharacteristicAll Appraisals635,000.0
2020RefinanceNo CharacteristicAll Appraisals14,984.0
2020PurchaseNo CharacteristicAll Appraisals562,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals560,000.0
2019PurchaseNo CharacteristicAll Appraisals8,216.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals589,000.0
2019BothNo CharacteristicAll Appraisals17,231.0
2019RefinanceNo CharacteristicAll Appraisals9,015.0
2019PurchaseNo CharacteristicAll Appraisals535,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals525,000.0
2018BothNo CharacteristicAll Appraisals12,684.0
2018PurchaseNo CharacteristicAll Appraisals8,179.0
2018RefinanceNo CharacteristicAll Appraisals4,505.0
2018BothNo CharacteristicAll Appraisals530,000.0
2018PurchaseNo CharacteristicAll Appraisals535,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals506,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals15,125.0
2017PurchaseNo CharacteristicAll Appraisals8,259.0
2017PurchaseNo CharacteristicAll Appraisals526,000.0
2017RefinanceNo CharacteristicAll Appraisals6,866.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals520,000.0
2016PurchaseNo CharacteristicAll Appraisals7,953.0
2016RefinanceNo CharacteristicAll Appraisals545,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals490,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals525,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals21,813.0
2016RefinanceNo CharacteristicAll Appraisals13,860.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals475,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals540,000.0
2015BothNo CharacteristicAll Appraisals19,244.0
2015RefinanceNo CharacteristicAll Appraisals11,555.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals7,689.0
2015BothNo CharacteristicAll Appraisals511,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals509,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05550,902530,90919,9933.6%
2026-04557,306534,46622,8404.1%
2026-03555,732532,99122,7414.1%
2026-02554,141528,69625,4454.6%
2026-01548,006524,96223,0444.2%
2025-12550,144531,01919,1253.5%
2025-11554,752532,55322,1994.0%
2025-09563,711540,31623,3954.2%
2025-08567,547543,61823,9294.2%
2025-07576,291552,91023,3814.1%
2025-06570,334547,63022,7044.0%
2025-05564,629544,57620,0533.6%
2025-04568,670550,36218,3083.2%
2025-03567,339547,41019,9293.5%
2025-02563,756543,89119,8653.5%
2025-01564,852547,80217,0503.0%
2024-12564,306549,52314,7832.6%
2024-11566,953549,87717,0763.0%
2024-10570,751553,60917,1423.0%
2024-09568,544552,72615,8182.8%
2024-08573,954555,91318,0413.1%
2024-07581,069562,51918,5503.2%
2024-06576,019558,01118,0083.1%
2024-05567,314553,73613,5782.4%
2024-04570,757557,99312,7642.2%
2024-03570,415555,13915,2762.7%
2024-02565,351549,59815,7532.8%
2024-01563,878549,73414,1442.5%
2023-12559,894548,12711,7672.1%
2023-11562,825551,64311,1822.0%
2023-10564,160551,69812,4622.2%
2023-09562,483550,97111,5122.0%
2023-08568,368556,48411,8842.1%
2023-07574,860563,79611,0641.9%
2023-06569,069559,00610,0631.8%
2023-05563,255554,5658,6901.5%
2023-04564,270556,7887,4821.3%
2023-03562,592552,56210,0301.8%
2023-02559,840547,78912,0512.2%
2023-01558,592547,25411,3382.0%
2022-12556,057546,2279,8301.8%
2022-11557,718545,91911,7992.1%
2022-10562,353548,73413,6192.4%
2022-09559,516546,33813,1782.4%
2022-08565,534549,66715,8672.8%
2022-07570,354554,56515,7892.8%
2022-06567,854550,34617,5083.1%
2022-05562,047547,98614,0612.5%
2022-04559,473546,60212,8712.3%
2022-03560,775544,74416,0312.9%
2022-02557,932540,71417,2183.1%
2022-01554,740537,62917,1113.1%
2021-12557,274542,35714,9172.7%
2021-11560,663541,58719,0763.4%
2021-10561,041540,12920,9123.7%
2021-09558,406536,01622,3904.0%
2021-08568,020539,94328,0774.9%
2021-07573,911544,08529,8265.2%
2021-06569,311537,18332,1285.6%
2021-05562,544533,77428,7705.1%
2021-04561,117531,24329,8745.3%
2021-03562,704530,68232,0225.7%
2021-02557,784524,56733,2176.0%
2021-01556,133522,97033,1636.0%
2020-12561,811528,91132,9005.9%
2020-11566,769532,10934,6606.1%
2020-10573,599537,63335,9666.3%
2020-09568,282530,72037,5626.6%
2020-08575,510537,45438,0566.6%
2020-07575,564532,01743,5477.6%
2020-06568,511524,05944,4527.8%
2020-05563,081516,83946,2428.2%
2020-04561,391520,34741,0447.3%
2020-03596,084576,90519,1793.2%
2020-02599,510583,10016,4102.7%
2020-01596,668580,61716,0512.7%
2019-12598,206584,99513,2112.2%
2019-11600,370586,32014,0502.3%
2019-10601,080586,19214,8882.5%
2019-09599,562585,18014,3822.4%
2019-08600,675584,80615,8692.6%
2019-07608,233590,19918,0343.0%
2019-06601,723583,85117,8723.0%
2019-05590,972576,18314,7892.5%
2019-04588,961575,33013,6312.3%
2019-03592,089575,10516,9842.9%
2019-02590,170572,19717,9733.0%
2019-01588,050568,73719,3133.3%
2018-12587,566572,73914,8272.5%
2018-11587,646572,36615,2802.6%
2018-10588,625572,33916,2862.8%
2018-09584,392568,42815,9642.7%
2018-08586,566570,18016,3862.8%
2018-07594,561576,00818,5533.1%
2018-06590,891570,81520,0763.4%
2018-05581,462565,06416,3982.8%
2018-04580,436564,90015,5362.7%
2018-03585,374566,70118,6733.2%
2018-02582,963563,52519,4383.3%
2018-01577,321557,73319,5883.4%

BEA Personal Income

2024$113.51B1,082,273$105K
2023$107.42B1,069,397$100K
2022$99.20B1,061,132$93K
2021$96.26B1,056,087$91K
2020$90.78B1,060,856$86K
2019$89.91B1,060,001$85K
2018$88.56B1,056,707$84K
2017$86.65B1,054,194$82K
2016$83.88B1,045,323$80K
2015$79.95B1,038,404$77K
2014$75.14B1,029,139$73K
2013$73.65B1,018,651$72K
2012$76.33B1,007,469$76K
2011$74.25B992,522$75K
2010$69.00B975,858$71K
2009$65.56B959,013$68K
2008$66.59B942,748$71K
2007$62.41B931,694$67K
2006$60.94B926,492$66K
2005$58.67B921,531$64K
2004$55.85B914,991$61K
2003$51.51B910,498$57K
2002$49.36B903,140$55K
2001$48.11B891,764$54K
2000$45.13B877,478$51K
1999$40.37B862,350$47K
1998$37.86B847,596$45K
1997$34.13B835,432$41K
1996$32.91B819,613$40K
1995$31.40B809,842$39K
1994$29.91B800,655$37K
1993$28.49B792,474$36K
1992$27.21B781,257$35K
1991——$33K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-07-31$15K$15K$0Yes
2025-07-31$1K$1K$0Yes
2025-07-31$33K$33K$0No
2025-07-30$195K$176K$19KYes
2025-07-19$3K$3K$0Yes
2025-07-19$0$0$0Yes
2025-07-19$2K$2K$0Yes
2025-07-19$12K$12K$0Yes
2025-07-19$8K$8K$287.9Yes
2025-07-17$767.48$767.48$0Yes
2025-07-16$0$0$0Yes
2025-07-14$3K$3K$0Yes
2025-07-12$0——Yes
2025-07-12$15K$11K$4KNo
2025-07-02$4K$4K$0Yes
2025-06-18$9K$9K$0Yes
2025-06-18$0——Yes
2025-05-31$15K$15K$0No
2025-05-14$12K$12K$0Yes
2025-05-13$0——Yes
2025-04-20$0——Yes
2024-09-06$0$0$0Yes
2024-01-29$0——Yes
2024-01-28$0——Yes
2024-01-23$0——Yes
2024-01-09$11K$11K$0Yes
2024-01-09$4K$4K$0Yes
2024-01-09$6K$6K$0Yes
2024-01-09$0——Yes
2023-12-18$0——Yes
2023-09-29$0——Yes
2023-09-24$0$0$0Yes
2023-09-12$0——Yes
2023-09-12$3K$3K$0Yes
2023-07-29$8K$8K$0Yes
2023-07-20$15K$15K$282.72Yes
2023-06-30$48K$23K$25KYes
2023-03-15$0——Yes
2022-12-22$0——Yes
2022-08-20$0$0$0Yes
2022-08-15$7K$0$7KYes
2022-07-09$0$0$0Yes
2022-07-08$4K$4K$0Yes
2022-07-02$10K$10K$0Yes
2022-07-02$27K$27K$0Yes
2022-05-06$0$0$0Yes
2021-10-29$0——Yes
2021-10-13$5K$5K$0Yes
2021-09-24$11K$11K$0Yes
2021-09-23$0——Yes
2021-09-02$0——Yes
2021-09-01$58K$52K$6KYes
2021-09-01$34K$34K$408.13No
2021-09-01$25K$18K$7KYes
2021-09-01$50K$50K$0Yes
2021-09-01$0——Yes
2021-09-01$122K$101K$21KYes
2021-09-01$10K$10K$0Yes
2021-09-01$0$0$0Yes
2021-09-01$21K$21K$0Yes
2021-09-01$28K$28K$0Yes
2021-09-01$61K$50K$11KYes
2021-09-01$56K$47K$10KYes
2021-09-01$0——Yes
2021-09-01$16K$16K$0Yes
2021-09-01$48K$48K$0Yes
2021-09-01$13K$11K$2KYes
2021-09-01$4K$4K$0Yes
2021-09-01$0——Yes
2021-09-01$37K$37K$0Yes
2021-08-20$68K$24K$45KYes
2021-08-17$21K$21K$0Yes
2021-08-14$4K$4K$0Yes
2021-08-13$6K$6K$0Yes
2021-08-09$8K$8K$0Yes
2021-07-08$0——Yes
2021-04-01$6K$6K$0No
2021-03-09$0——Yes
2021-03-01$1K$1K$0Yes
2020-12-16$0——Yes
2020-11-01$0——Yes
2020-09-13$0——Yes
2020-09-11$1K$1K$0Yes
2020-09-10$0——Yes
2020-09-10$24K$23K$870.48Yes
2020-09-10$3K$3K$0Yes
2020-09-10$11K$11K$0Yes
2020-09-10$14K$14K$401.99Yes
2020-09-10$0——Yes
2020-09-10$3K$3K$0Yes
2020-09-10$420.48$420.48$0Yes
2020-09-10$9K$9K$0Yes
2020-09-10$0——Yes
2020-09-10$6K$6K$0Yes
2020-09-10$807.23$807.23$0Yes
2020-09-10$5K$5K$0Yes
2020-09-10$618.89$618.89$0Yes
2020-09-10$0——Yes
2020-09-10$10K$10K$0No
2020-09-10$1K$1K$0Yes

ALSO CHECKED

18 more data areas were checked for Montgomery 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 MONTGOMERY COUNTY →Opens the loan explorer already filtered to county FIPS 24031.

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.