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State markets/Massachusetts/Middlesex County

COUNTY MORTGAGE MARKET · FIPS 25017

Middlesex County, Massachusetts

Who lends in Middlesex 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

$17.01B

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

Originations · 2025

29,149

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

Denial rate · 2025

13.7%

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

Lenders active · 2025

550

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

Concentration (HHI)

204

unconcentrated

Top-5 lender share

25.1%

of originations

Purchase

59.4%

13,646 loans

Refinance

40.6%

9,343 loans

Origination trend

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

Lenders in Middlesex 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 Middlesex 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 MIDDLESEX COUNTY →

TOP TEN LENDERS IN MIDDLESEX 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.

1,710$1.08B$1.08B originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,505$1.01B$1.01B originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2,576$991.5M$991.5M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,077$669.4M$669.4M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,235$523.2M$523.2M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,033$447.0M$447.0M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
7$415.8M$415.8M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
701$378.8M$378.8M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
935$376.8M$376.8M originated in Middlesex County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
425$347.4M$347.4M originated in Middlesex 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 Middlesex County

All 83 ZIP Code Tabulation Areas that touch Middlesex 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.
83 OF 83 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1313 of the 14 Middlesex County tracts this ZIP area touches sit mostly inside it.66,26360.0%9,825——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 17 Middlesex County tracts this ZIP area touches sit mostly inside it.59,65933.2%13,203——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 11 Middlesex County tracts this ZIP area touches sit mostly inside it.49,07565.9%6,346——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Middlesex County tracts this ZIP area touches sit mostly inside it.42,91939.6%6,244——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.41,79340.9%9,292——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Middlesex County tracts this ZIP area touches sit mostly inside it.40,87627.2%9,266——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Middlesex County tracts this ZIP area touches sit mostly inside it.39,54660.0%5,440——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Middlesex County tracts this ZIP area touches sit mostly inside it.38,67249.8%5,276——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.37,00624.4%10,176——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Middlesex County tracts this ZIP area touches sit mostly inside it.36,96152.4%6,788——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Middlesex County tracts this ZIP area touches sit mostly inside it.35,32926.9%8,256——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Middlesex County tracts this ZIP area touches sit mostly inside it.32,81629.8%10,496——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.32,61723.7%9,423——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Middlesex County tracts this ZIP area touches sit mostly inside it.32,61671.6%4,599——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.31,34214.0%10,147——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.29,81720.4%7,513——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Middlesex County tracts this ZIP area touches sit mostly inside it.29,32254.7%3,543——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Middlesex County tracts this ZIP area touches sit mostly inside it.28,30819.6%8,247——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Middlesex County tracts this ZIP area touches sit mostly inside it.28,02845.7%4,137——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Middlesex County tracts this ZIP area touches sit mostly inside it.27,56820.7%8,185——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Middlesex County tracts this ZIP area touches sit mostly inside it.27,39126.6%3,996——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Middlesex County tracts this ZIP area touches sit mostly inside it.27,29530.4%6,328——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.27,09014.3%7,814——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.26,73446.7%3,377——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.26,37730.0%7,966——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Middlesex County tracts this ZIP area touches sit mostly inside it.25,62631.5%3,287——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.25,51812.8%7,929——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.24,64328.9%7,562——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.24,02136.9%6,285——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.23,34913.8%6,646——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.23,26642.9%6,455——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.23,24418.6%6,510——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.23,23524.7%6,291——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Middlesex County tracts this ZIP area touches sit mostly inside it.23,07324.9%4,772——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.22,97025.4%6,755——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.21,73230.2%6,494——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.20,46136.9%4,740——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.20,09221.4%5,670——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.18,93419.1%5,737——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.18,83231.5%5,647——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.18,75826.8%5,568——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Middlesex County tracts this ZIP area touches sit mostly inside it.18,74045.2%2,683——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.18,49118.2%4,799——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Middlesex County tracts this ZIP area touches sit mostly inside it.18,02332.2%3,828——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.16,65559.3%2,531——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.16,13929.7%3,667——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.15,82628.2%3,996——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.15,55411.5%4,922——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Middlesex County tracts this ZIP area touches sit mostly inside it.14,99615.8%4,899——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Middlesex County tracts this ZIP area touches sit mostly inside it.14,38326.5%3,804——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.13,94323.2%4,294——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.13,81123.2%3,773——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Middlesex County tracts this ZIP area touches sit mostly inside it.13,75944.9%1,989——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Middlesex County tracts this ZIP area touches sit mostly inside it.12,38019.5%3,422——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.11,85126.0%3,203——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.11,60411.5%3,617——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.11,31514.8%3,511——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.11,18844.3%3,318——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.10,74617.0%3,347——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.10,14116.9%3,110——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.9,62731.1%1,944——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.9,12711.6%3,041——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.8,82425.9%2,827——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.8,47924.1%2,313——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.7,43126.1%2,041——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
33 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.7,17414.3%2,209——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Middlesex County tracts this ZIP area touches sit mostly inside it.7,01423.8%1,567——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.6,41927.8%1,488——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.6,13231.8%696——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.5,50632.9%1,578——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.5,23721.2%1,656——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Middlesex County tracts this ZIP area touches sit mostly inside it.4,96541.8%1,282——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.4,40118.3%1,422——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Middlesex County tracts this ZIP area touches sit mostly inside it.4,31345.2%370——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Middlesex County tracts this ZIP area touches sit mostly inside it.4,31127.9%1,275——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Middlesex County tracts this ZIP area touches sit mostly inside it.3,77221.0%1,146——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.3,35813.8%1,103——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Middlesex County tract this ZIP area touches sit mostly inside it.3,1938.8%1,177——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Middlesex 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 Middlesex 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 Middlesex 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.
11 of the 5 Middlesex County tracts this ZIP area touches sit mostly inside it.—————OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Middlesex 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.

357 of Middlesex County’s 357 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 Middlesex County

All 357 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.

357 OF 357 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle85.1%3,1938.8%OPEN →
Middle85.1%4,21013.2%OPEN →
Middle98.4%4,91710.3%OPEN →
Moderate57.5%3,47254.4%OPEN →
Low37.3%2,60962.2%OPEN →
Moderate73.8%6,53754.4%OPEN →
Moderate52.2%6,68959.5%OPEN →
Low33.7%3,42968.2%OPEN →
Moderate71.0%3,29152.9%OPEN →
Moderate52.3%6,19447.2%OPEN →
Moderate68.9%6,35846.6%OPEN →
Low44.5%4,53070.7%OPEN →
Low47.5%2,54474.5%OPEN →
Low43.1%3,21782.2%OPEN →
Moderate57.3%5,20774.5%OPEN →
Moderate75.5%6,55068.8%OPEN →
Middle103.0%3,22464.0%OPEN →
Moderate65.5%5,62555.7%OPEN →
Moderate63.6%5,19078.7%OPEN →
Moderate53.7%3,60384.2%OPEN →
Low25.7%3,06262.8%OPEN →
Low41.9%3,04764.7%OPEN →
Low43.4%3,52567.0%OPEN →
Moderate58.9%4,92062.4%OPEN →
Moderate73.8%5,27744.6%OPEN →
Low33.7%2,50565.0%OPEN →
Middle90.3%4,45632.2%OPEN →
Middle99.2%4,08827.4%OPEN →
Upper135.9%6,44021.2%OPEN →
Middle97.2%5,94017.7%OPEN →
Middle81.5%6,78525.2%OPEN →
Moderate72.7%7,44823.6%OPEN →
Middle85.5%5,62924.5%OPEN →
Middle89.8%9,28724.8%OPEN →
Middle108.9%3,46816.8%OPEN →
Middle108.9%5,74015.6%OPEN →
Middle111.0%8,69316.3%OPEN →
Middle84.1%4,17814.4%OPEN →
Middle94.2%3,31615.0%OPEN →
Middle106.4%1,66110.4%OPEN →
Middle101.5%7,75410.4%OPEN →
Middle108.7%5,05711.6%OPEN →
Middle110.6%6,15213.1%OPEN →
Middle101.4%4,21815.9%OPEN →
Middle94.6%4,44024.6%OPEN →
Middle98.0%8,44128.5%OPEN →
Middle103.4%7,09722.8%OPEN →
Middle96.9%6,71423.5%OPEN →
Middle109.7%6,96626.4%OPEN →
Middle112.4%4,94525.9%OPEN →
Upper129.8%5,08116.2%OPEN →
Upper141.7%2,89712.4%OPEN →
Upper120.8%3,42614.9%OPEN →
Upper124.6%4,25321.2%OPEN →
Middle104.7%2,86932.4%OPEN →
Middle86.0%5,95522.7%OPEN →
Upper124.6%6,82527.2%OPEN →
Upper122.1%4,82232.9%OPEN →
Upper151.4%8,32728.0%OPEN →
Upper131.7%4,66928.9%OPEN →
Upper170.3%5,41719.0%OPEN →
Upper187.2%2,57325.0%OPEN →
Upper175.2%6,39220.0%OPEN →
Upper161.0%4,37647.4%OPEN →
Middle86.8%7,21835.6%OPEN →
Moderate78.9%6,92342.8%OPEN →
Moderate58.5%4,35152.4%OPEN →
Middle100.8%3,65641.2%OPEN →
Middle92.5%4,23932.9%OPEN →
Middle80.9%7,79146.2%OPEN →
Middle94.2%7,61536.6%OPEN →
Upper122.5%4,65112.6%OPEN →
Middle110.8%4,46223.9%OPEN →
Middle100.6%6,28124.3%OPEN →
Middle91.6%4,69823.8%OPEN →
Upper127.7%3,81913.5%OPEN →
Upper124.5%3,35515.1%OPEN →
Middle109.8%5,56717.0%OPEN →
Upper122.8%4,57416.8%OPEN →
Upper124.6%4,01023.3%OPEN →
Middle99.9%4,46924.8%OPEN →
Upper158.8%4,51116.3%OPEN →
Upper136.7%6,80413.7%OPEN →
Middle116.3%3,66311.2%OPEN →
Middle84.5%4,33912.3%OPEN →
Middle102.0%3,60211.0%OPEN →
Upper143.5%3,35813.8%OPEN →
Upper142.7%3,8119.0%OPEN →
Upper122.0%4,92510.9%OPEN →
Upper124.8%2,57011.6%OPEN →
Middle88.0%4,24814.2%OPEN →
Middle116.3%3,31117.4%OPEN →
Middle118.7%7,07311.6%OPEN →
Upper129.6%5,48813.9%OPEN →
Upper126.7%7,47714.2%OPEN →
Upper130.1%6,06321.1%OPEN →
Middle100.2%2,11128.3%OPEN →
Middle106.1%6,64038.4%OPEN →
Upper131.4%6,95531.5%OPEN →
Middle112.8%2,46622.2%OPEN →
Middle115.8%2,14235.2%OPEN →
Middle94.6%7,68722.0%OPEN →
Middle89.3%5,22820.4%OPEN →
Moderate72.3%4,31631.9%OPEN →
Middle91.8%6,52426.9%OPEN →
Middle104.5%5,09321.8%OPEN →
Middle85.1%3,42929.4%OPEN →
Moderate65.1%1,55041.7%OPEN →
Moderate78.2%7,04935.0%OPEN →
Middle118.7%6,99912.4%OPEN →
Upper131.4%4,07011.9%OPEN →
Upper142.2%7,76810.1%OPEN →
Upper138.3%6,68116.9%OPEN →
Middle96.3%6,25911.7%OPEN →
Middle102.6%6,27313.0%OPEN →
Middle89.5%4,12417.6%OPEN →
Middle110.9%5,30915.8%OPEN →
Upper133.3%5,12514.8%OPEN →
Middle115.6%5,75816.6%OPEN →
Upper139.2%3,06211.8%OPEN →
Upper192.2%3,41614.2%OPEN →
Upper125.4%6,98516.8%OPEN →
Middle107.8%4,76422.2%OPEN →
—0.0%3,25439.6%OPEN →
Moderate71.7%2,57829.5%OPEN →
Upper122.9%3,22016.6%OPEN →
Middle112.4%5,41417.0%OPEN →
Upper135.1%3,37020.1%OPEN →
Middle113.5%5,11014.7%OPEN →
Middle98.9%6,13023.3%OPEN →
Upper162.7%3,20432.7%OPEN →
Upper127.4%4,27140.3%OPEN →
Upper205.8%3,46917.7%OPEN →
Upper205.8%6,16722.1%OPEN →
Upper179.9%5,85918.6%OPEN →
Upper125.4%3,26726.9%OPEN →
Upper131.0%3,44217.3%OPEN →
Upper145.2%5,70014.1%OPEN →
Moderate78.4%2,99642.2%OPEN →
Upper128.5%3,47927.1%OPEN →
Middle85.3%5,66235.1%OPEN →
Middle114.4%5,45430.9%OPEN →
Moderate56.4%3,91639.8%OPEN →
Middle84.0%5,48549.3%OPEN →
Moderate78.0%3,38349.7%OPEN →
—0.0%2,26045.0%OPEN →
Moderate75.8%5,32737.6%OPEN →
Middle89.1%2,59037.9%OPEN →
Middle93.5%6,69825.6%OPEN →
Upper121.6%3,85051.3%OPEN →
Middle81.1%5,18052.8%OPEN →
Moderate60.4%6,98860.0%OPEN →
Middle105.4%4,56570.6%OPEN →
Middle94.5%2,27364.5%OPEN →
Moderate62.3%6,74765.1%OPEN →
Moderate65.9%5,35370.6%OPEN →
Middle88.3%6,98553.0%OPEN →
Moderate70.2%5,60750.0%OPEN →
Low39.1%7,07564.7%OPEN →
Middle83.9%1,51557.0%OPEN →
Middle91.3%6,88860.3%OPEN →
Low36.4%3,23758.3%OPEN →
Moderate66.4%5,02862.8%OPEN →
Moderate75.9%4,71861.7%OPEN →
Low49.8%6,27467.9%OPEN →
Moderate72.1%4,20865.5%OPEN →
Moderate72.3%3,24264.1%OPEN →
Moderate61.6%4,54864.5%OPEN →
Moderate76.4%4,60468.1%OPEN →
Moderate55.4%3,66459.1%OPEN →
Moderate50.7%4,74068.9%OPEN →
—0.0%3,08069.5%OPEN →
Moderate57.1%4,96971.2%OPEN →
Middle88.7%1,18130.9%OPEN →
Middle86.8%1,66043.7%OPEN →
Middle81.5%1,35551.1%OPEN →
Low49.2%4,17456.1%OPEN →
Moderate59.1%2,17653.8%OPEN →
Middle86.9%2,69944.8%OPEN →
Middle94.8%3,86031.2%OPEN →
Middle115.4%2,98433.5%OPEN →
Middle93.2%5,90120.7%OPEN →
Upper163.8%1,74319.2%OPEN →
Upper126.6%4,78834.1%OPEN →
Upper120.8%3,00021.5%OPEN →
Low43.4%3,31544.3%OPEN →
Upper160.8%2,07626.6%OPEN →
Upper157.1%3,53121.6%OPEN →
Upper128.2%4,08328.6%OPEN →
Upper133.5%3,03722.3%OPEN →
Upper120.4%3,77524.6%OPEN →
—0.0%1,97226.2%OPEN →
Middle106.3%4,63128.1%OPEN →
Middle97.9%4,29533.3%OPEN →
Middle87.7%4,40634.3%OPEN →
Moderate70.3%3,94350.0%OPEN →
Moderate65.7%3,99653.3%OPEN →
Moderate62.2%2,46449.4%OPEN →
Upper136.7%4,27152.2%OPEN →
Upper144.6%2,66336.4%OPEN →
Moderate67.6%1,99942.3%OPEN →
Middle104.2%4,31345.2%OPEN →
Low47.6%1,87978.7%OPEN →
Middle88.5%3,46649.0%OPEN →
Moderate67.9%2,81742.9%OPEN →
Low44.7%2,00946.1%OPEN →
Middle99.8%1,89242.4%OPEN →
Upper173.0%2,86929.9%OPEN →
Middle96.5%2,96843.2%OPEN →
Middle90.2%3,64156.1%OPEN →
Middle93.2%6,23864.4%OPEN →
Upper149.5%5,24250.3%OPEN →
Upper126.7%3,72333.1%OPEN →
Upper130.7%5,14638.1%OPEN →
Upper126.9%5,59343.8%OPEN →
Middle116.7%4,17737.2%OPEN →
Moderate77.6%6,13953.8%OPEN →
Upper157.7%4,91834.9%OPEN →
Upper178.7%2,88930.5%OPEN →
Upper180.2%3,00820.6%OPEN →
Middle114.0%3,48836.8%OPEN →
Upper144.9%1,73026.1%OPEN →
Upper205.8%1,93727.6%OPEN →
Middle85.1%1,64642.1%OPEN →
Upper123.0%4,18549.5%OPEN →
Upper167.9%2,85930.1%OPEN →
Upper141.0%2,32328.3%OPEN →
Upper195.5%2,87658.3%OPEN →
Moderate57.5%5,61664.4%OPEN →
Upper135.9%3,12936.2%OPEN →
Upper124.1%3,33024.1%OPEN →
Moderate77.8%5,33232.6%OPEN →
Upper135.3%8,13620.9%OPEN →
Upper121.9%7,06723.9%OPEN →
Middle111.9%4,78329.0%OPEN →
Upper143.1%4,28422.3%OPEN →
Upper129.5%6,27523.9%OPEN →
Upper128.5%3,21122.1%OPEN →
Upper142.1%3,89025.8%OPEN →
Upper159.3%5,48034.9%OPEN →
Upper154.0%3,24326.2%OPEN →
Upper141.1%3,11728.9%OPEN →
Upper175.7%2,37223.5%OPEN →
Upper139.3%2,25526.3%OPEN →
Upper120.2%2,66535.8%OPEN →
Middle112.9%4,13933.3%OPEN →
Upper121.3%4,02428.9%OPEN →
Upper192.4%5,28237.4%OPEN →
Upper177.3%6,38048.9%OPEN →
Upper162.2%5,28539.5%OPEN →
Upper194.4%5,58045.0%OPEN →
Upper183.6%6,31944.2%OPEN →
Upper190.3%5,60843.6%OPEN →
Upper153.0%6,54426.9%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
Upper141.4%7,83926.1%OPEN →
Middle101.6%6,75447.7%OPEN →
Upper139.8%7,01423.8%OPEN →
Upper177.2%5,72612.4%OPEN →
Upper133.4%6,25923.0%OPEN →
Upper180.9%6,50618.6%OPEN →
Upper196.6%5,23721.2%OPEN →
Upper153.8%3,61732.4%OPEN →
Upper160.5%6,25933.4%OPEN →
Upper121.8%3,78148.4%OPEN →
Upper127.3%3,33052.6%OPEN →
Upper149.5%3,31730.3%OPEN →
Upper136.0%3,71727.1%OPEN →
Upper122.9%5,63117.4%OPEN →
Middle108.9%5,11516.5%OPEN →
Upper171.4%7,91817.7%OPEN →
Upper164.1%5,94919.2%OPEN →
Upper169.1%5,06721.0%OPEN →
Upper169.7%4,95226.1%OPEN →
Upper192.3%3,75019.2%OPEN →
Upper205.8%5,24123.4%OPEN →
Upper205.4%4,86126.3%OPEN →
Upper205.8%6,99025.8%OPEN →
Middle111.1%5,78235.7%OPEN →
Upper134.4%4,71831.1%OPEN →
Middle107.7%4,19827.9%OPEN →
Moderate63.4%5,76349.4%OPEN →
Middle116.4%8,60641.2%OPEN →
Moderate58.1%3,41951.2%OPEN →
Middle83.4%5,85644.5%OPEN →
Moderate51.3%2,68460.2%OPEN →
Moderate79.7%6,16948.3%OPEN →
Middle106.0%5,97328.9%OPEN →
Moderate59.8%3,69161.9%OPEN →
—0.0%3,30024.2%OPEN →
Middle108.2%5,05919.7%OPEN →
Middle91.9%6,80726.8%OPEN →
Upper130.2%3,54434.5%OPEN →
Middle114.7%3,73428.9%OPEN →
Middle119.4%3,79818.4%OPEN →
Middle110.0%4,22218.3%OPEN →
Middle92.7%4,53129.8%OPEN →
Moderate70.3%1,57228.8%OPEN →
Upper129.5%3,53129.5%OPEN →
Upper136.4%1,52028.8%OPEN →
Moderate76.1%2,07030.1%OPEN →
Upper135.4%5,11331.2%OPEN →
Middle92.1%4,78936.0%OPEN →
Upper122.6%3,10028.4%OPEN →
Upper135.3%3,31927.3%OPEN →
Upper187.4%6,23723.7%OPEN →
Upper188.8%6,13231.8%OPEN →
Upper205.8%3,85423.0%OPEN →
Upper155.3%6,06630.5%OPEN →
Upper128.8%3,12831.1%OPEN →
Upper205.8%3,87633.8%OPEN →
Upper156.7%4,80832.3%OPEN →
Upper126.8%4,96541.8%OPEN →
Upper175.5%4,31127.9%OPEN →
Upper205.8%3,77221.0%OPEN →
Upper205.8%5,95526.1%OPEN →
Upper139.6%4,58630.5%OPEN →
Upper150.9%5,28528.4%OPEN →
Upper125.1%4,60233.2%OPEN →
Upper131.0%5,02529.3%OPEN →
Upper120.0%5,14622.4%OPEN →
Upper128.0%5,37517.5%OPEN →
Upper159.9%5,91716.7%OPEN →
Upper142.2%5,34016.9%OPEN →
Middle102.2%5,66428.2%OPEN →
Middle102.9%4,79446.3%OPEN →
Upper137.5%4,77025.6%OPEN →
Low38.6%4,14978.3%OPEN →
Low35.5%5,01282.8%OPEN →
Moderate74.8%6,59165.7%OPEN →
Middle100.2%3,19150.7%OPEN →
Low48.8%2,49961.8%OPEN →
Moderate71.9%3,79963.8%OPEN →
Moderate70.5%4,67458.3%OPEN →
Middle95.7%3,93232.1%OPEN →
Middle99.4%6,34139.8%OPEN →
Middle105.4%5,30834.0%OPEN →
Upper124.5%6,35629.5%OPEN →
Upper161.8%5,46625.2%OPEN →
Middle118.9%2,66521.9%OPEN →
Middle103.0%5,22121.6%OPEN →
Middle84.3%5,69942.6%OPEN →
Middle116.6%1,45933.7%OPEN →
Upper144.1%2,86924.8%OPEN →
Middle103.9%4,97228.4%OPEN →
Middle108.5%2,83731.3%OPEN →
Upper120.1%4,79733.7%OPEN →
Upper131.3%3,35739.2%OPEN →
Upper185.8%4,40118.3%OPEN →
Upper146.8%4,37912.4%OPEN →
Upper126.0%6,23119.3%OPEN →
Upper142.6%4,38614.3%OPEN →
Upper157.1%5,50632.9%OPEN →
Middle93.0%7,43126.1%OPEN →
Low18.8%6,40551.8%OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

1,638,365

Median household income

$130,847

Median home value

$727,800

Median gross rent

$2,201

per month

Owner-occupied

61.3%

of occupied units

Housing units

664,267

4.5% vacant

Poverty rate

7.7%

Unemployment

4.4%

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 High

score 96.9

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Hurricane Relatively High · Strong wind 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

88

Declarations recorded

35

Incident types on record: Biological, Coastal Storm, Flood, Hurricane, Other, Severe Ice Storm, Severe Storm, Snowstorm, Terrorist.

Everything we hold on Middlesex 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 Middlesex County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Middlesex County →Every reported application and origination in FIPS 25017, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Middlesex 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

416

—

Purchase share

43.3%

180 loans

IRRRL refinances

167

Cash-out refinances

69

2026416—18016769
2025403—2309974
2024267—1942350
2023253—188461
2022——284167257
20211,859—3381,209312
20201,591—366917308
2019673—325113235
2018710—38463263
2017965—399252314
2016888—389252247
2015832—371231230

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 Middlesex 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

Middlesex 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

862

−3.0% vs 2024

Multifamily · 2025

1,479

−43.2% vs 2024

Total authorized · 2025

2,341

−33.0% vs 2024

Permit valuation · 2025

$890.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,341 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 Middlesex County, showing population movement and wealth transfer.

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

inflow2223Suffolk County, MA9,67413,242$1.13B
outflow2223Suffolk County, MA7,5129,405$859.5M
outflow2223Essex County, MA4,8477,552$628.9M
outflow2223Worcester County, MA4,5927,627$417.5M
inflow2223Essex County, MA4,1846,252$333.6M
outflow2223Norfolk County, MA3,6195,643$533.7M
inflow2223Norfolk County, MA3,3725,010$665.2M
inflow2223Worcester County, MA2,9274,356$246.6M
outflow2223Hillsborough County, NH2,0993,235$212.5M
outflow2223Other flows - South, DS1,5012,590$186.5M
inflow2223Other flows - South, DS1,4682,248$107.8M
outflow2223Foreign - Overseas, FR1,2411,877$153.8M
outflow2223New York County, NY1,2121,292$121.7M
inflow2223Hillsborough County, NH1,1491,666$89.9M
outflow2223Rockingham County, NH1,0981,689$188.6M
outflow2223Plymouth County, MA8731,337$113.4M
inflow2223Other flows - Midwest, DS8351,159$63.9M
outflow2223Kings County, NY812870$82.9M
outflow2223Other flows - Midwest, DS7711,249$69.1M
inflow2223Other flows - Northeast, DS692886$51.8M
outflow2223Los Angeles County, CA689866$76.2M
outflow2223Other flows - Northeast, DS6891,070$82.7M
outflow2223Barnstable County, MA6801,109$143.5M
outflow2223Other flows - West, DS6741,051$68.0M
inflow2223Plymouth County, MA669894$53.7M
inflow2223New York County, NY641795$117.3M
outflow2223Bristol County, MA624962$56.0M
inflow2223Rockingham County, NH610827$53.6M
inflow2223Other flows - West, DS604884$42.1M
inflow2223Los Angeles County, CA555710$54.0M
outflow2223Providence County, RI555770$56.1M
outflow2223Cook County, IL524659$68.0M
inflow2223Foreign - Overseas, FR500784$71.4M
inflow2223Bristol County, MA499700$35.0M
outflow2223King County, WA486633$68.1M
outflow2223District of Columbia, DC467518$39.3M
outflow2223Santa Clara County, CA455613$72.4M
inflow2223Capitol Planning Region, CT441539$34.5M
inflow2223Barnstable County, MA438576$45.3M
inflow2223Kings County, NY435549$45.4M
inflow2223Providence County, RI428585$33.2M
inflow2223Cook County, IL419574$54.2M
outflow2223San Diego County, CA381568$58.9M
outflow2223San Francisco County, CA372412$48.1M
outflow2223Cumberland County, ME341455$46.9M
outflow2223Capitol Planning Region, CT339497$32.8M
inflow2223King County, WA318471$53.5M
outflow2223Hampden County, MA314500$22.5M
inflow2223District of Columbia, DC310380$32.6M
outflow2223Philadelphia County, PA299373$27.5M
outflow2223York County, ME295484$52.8M
inflow2223San Diego County, CA291429$27.6M
outflow2223Hampshire County, MA290397$24.9M
inflow2223Queens County, NY288396$22.8M
outflow2223Queens County, NY283332$22.1M
inflow2223Hampshire County, MA279333$18.9M
inflow2223Santa Clara County, CA279398$54.2M
inflow2223South Central Connecticut Plannin, CT274362$41.1M
outflow2223Travis County, TX270355$36.9M
outflow2223Palm Beach County, FL269437$124.8M
outflow2223Alameda County, CA265347$30.5M
outflow2223Wake County, NC257499$35.3M
inflow2223Alameda County, CA254343$31.4M
outflow2223Hudson County, NJ252307$32.7M
inflow2223Philadelphia County, PA250323$22.6M
inflow2223Western Connecticut Planning Regi, CT244321$26.0M
inflow2223Hampden County, MA240310$17.4M
outflow2223Miami-Dade County, FL231319$56.0M
outflow2223Denver County, CO225247$17.6M
inflow2223Montgomery County, MD222327$35.2M
inflow2223Harris County, TX222355$25.2M
inflow2223Cumberland County, ME220271$18.7M
inflow2223San Francisco County, CA211276$43.8M
outflow2223Broward County, FL210319$119.1M
inflow2223Palm Beach County, FL208283$57.9M
inflow2223Westchester County, NY205282$23.6M
inflow2223Suffolk County, NY198261$16.8M
inflow2223Miami-Dade County, FL194301$16.6M
inflow2223Travis County, TX193270$21.3M
outflow2223Maricopa County, AZ193287$27.8M
outflow2223Orange County, CA183289$23.1M
outflow2223Grafton County, NH182283$41.0M
outflow2223South Central Connecticut Plannin, CT182231$14.7M
inflow2223Broward County, FL180253$13.9M
outflow2223Montgomery County, MD180289$26.9M
outflow2223Merrimack County, NH177255$19.4M
inflow2223Allegheny County, PA171220$15.5M
outflow2223Harris County, TX171279$19.1M
outflow2223Mecklenburg County, NC169253$23.0M
inflow2223Fairfax County, VA168248$16.7M
inflow2223Nassau County, NY167220$19.3M
outflow2223Hillsborough County, FL165275$20.4M
inflow2223Hudson County, NJ163235$29.1M
inflow2223Orange County, CA163230$15.1M
outflow2223Dallas County, TX162239$16.8M
outflow2223Fairfax County, VA162254$26.7M
inflow2223Middlesex County, NJ161221$15.2M
outflow2223Orange County, FL161293$17.5M
outflow2223Chittenden County, VT160203$13.4M
inflow2223Maricopa County, AZ158223$15.3M
outflow2223San Mateo County, CA156216$24.7M
outflow2223Belknap County, NH155270$36.9M
outflow2223Strafford County, NH150211$14.8M
inflow2223Monroe County, NY150178$13.5M
inflow2223York County, ME147190$13.9M
inflow2223Bergen County, NJ143189$16.4M
inflow2223Wake County, NC142189$12.9M
inflow2223Fulton County, GA141190$15.7M
inflow2223Chittenden County, VT139152$8.4M
outflow2223Arlington County, VA138181$13.5M
outflow2223Pinellas County, FL136203$27.2M
inflow2223Orange County, FL135209$8.3M
inflow2223Washtenaw County, MI131166$10.2M
inflow2223Grafton County, NH131189$16.3M
outflow2223Lee County, FL128216$39.4M
outflow2223Western Connecticut Planning Regi, CT128163$19.4M
inflow2223Baltimore city, MD128156$10.7M
inflow2223Merrimack County, NH128160$9.2M
inflow2223Southeastern Connecticut Planning, CT127152$9.0M
inflow2223Dallas County, TX126159$12.1M
outflow2223Collin County, TX126267$17.2M
inflow2223Hennepin County, MN123179$12.9M
outflow2223Collier County, FL123199$43.9M
inflow2223San Mateo County, CA121185$27.6M
inflow2223Montgomery County, PA118160$13.5M
outflow2223Fulton County, GA117178$12.2M
outflow2223Carroll County, NH116177$28.9M
inflow2223Denver County, CO116151$13.1M
outflow2223Allegheny County, PA112153$10.9M
inflow2223Arlington County, VA112142$12.6M
outflow2223Davidson County, TN111146$10.7M
outflow2223Westchester County, NY110160$14.8M
outflow2223Cheshire County, NH106165$15.1M
outflow2223Berkshire County, MA106179$16.0M
outflow2223Durham County, NC105132$9.8M
inflow2223Hillsborough County, FL103153$9.0M
inflow2223Mercer County, NJ102137$14.7M
outflow2223Baltimore city, MD101122$8.4M
inflow2223Naugatuck Valley Planning Region, CT101117$6.0M
inflow2223Durham County, NC100129$9.4M
outflow2223Monroe County, NY100154$11.2M
outflow2223Franklin County, MA100138$7.9M
inflow2223Albany County, NY100126$10.0M
inflow2223Essex County, NJ98128$9.2M
outflow2223Hennepin County, MN98134$9.6M
inflow2223Berkshire County, MA97118$7.5M
inflow2223Mecklenburg County, NC97131$8.9M
inflow2223Strafford County, NH95119$6.0M
inflow2223Tompkins County, NY95119$6.3M
outflow2223Multnomah County, OR94117$9.2M
inflow2223Franklin County, OH94124$6.6M
outflow2223Sarasota County, FL94151$13.8M
inflow2223Davidson County, TN93129$7.9M
outflow2223Southeastern Connecticut Planning, CT91119$8.5M
outflow2223Manatee County, FL90148$24.2M
inflow2223Franklin County, MA89113$5.3M
inflow2223Oakland County, MI89111$8.6M
outflow2223Williamson County, TX88187$18.2M
outflow2223Boulder County, CO87111$9.4M
outflow2223Middlesex County, NJ86130$10.0M
outflow2223Montgomery County, PA85132$13.3M
outflow2223Suffolk County, NY83112$6.3M
outflow2223Bergen County, NJ82135$12.3M
inflow2223Pinellas County, FL82119$5.1M
outflow2223DeKalb County, GA82115$8.7M
inflow2223Dane County, WI82106$7.5M
outflow2223Salt Lake County, UT82120$8.7M
outflow2223Nassau County, NY82123$8.0M
outflow2223Franklin County, OH81127$7.2M
inflow2223Bronx County, NY81121$5.1M
inflow2223Cuyahoga County, OH80120$7.9M
inflow2223Greater Bridgeport Planning Regio, CT79103$4.7M
inflow2223Cheshire County, NH79103$4.7M
outflow2223Clark County, NV79105$6.0M
inflow2223Clark County, NV79114$5.6M
inflow2223Onondaga County, NY78105$4.4M
inflow2223Morris County, NJ7896$7.6M
outflow2223Horry County, SC78116$7.1M
outflow2223Bexar County, TX77145$9.2M
inflow2223Erie County, NY7687$4.9M
outflow2223Charleston County, SC76117$27.1M
inflow2223Multnomah County, OR7597$5.9M
outflow2223Kent County, RI75109$9.5M
outflow2223Washington County, RI72107$12.4M
inflow2223Sarasota County, FL7188$6.3M
outflow2223Tarrant County, TX71113$4.2M
outflow2223Mercer County, NJ71100$10.1M
inflow2223Collier County, FL70101$8.6M
inflow2223Somerset County, NJ70107$9.0M
inflow2223Kent County, RI7084$4.7M
outflow2223Washtenaw County, MI70104$8.0M
outflow2223Jefferson County, CO7081$6.4M
inflow2223Boulder County, CO6986$6.3M
inflow2223Bexar County, TX69136$8.0M
outflow2223Newport County, RI69106$20.7M
outflow2223Pima County, AZ69100$5.9M
inflow2223Honolulu County, HI68129$6.0M
inflow2223Belknap County, NH6895$8.9M
inflow2223Tarrant County, TX68114$7.6M
outflow2223Essex County, NJ67108$9.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Middlesex County.

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

2023PurchaseNo CharacteristicAll Appraisals6,227.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals1,642.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals7,869.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals790,000.0
2023BothNo CharacteristicAll Appraisals800,000.0
2023PurchaseNo CharacteristicAll Appraisals800,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals776,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals775,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals4,106.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals780,000.0
2022BothNo CharacteristicAll Appraisals13,066.0
2022PurchaseNo CharacteristicAll Appraisals8,960.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals800,000.0
2021BothNo CharacteristicAll Appraisals26,198.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals10,968.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals15,230.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals753,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals707,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals31,032.0
2020PurchaseNo CharacteristicAll Appraisals10,130.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals675,000.0
2020RefinanceNo CharacteristicAll Appraisals706,000.0
2020RefinanceNo CharacteristicAll Appraisals20,902.0
2020PurchaseNo CharacteristicAll Appraisals626,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals600,000.0
2019PurchaseNo CharacteristicAll Appraisals9,925.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals625,000.0
2019BothNo CharacteristicAll Appraisals22,884.0
2019RefinanceNo CharacteristicAll Appraisals12,959.0
2019PurchaseNo CharacteristicAll Appraisals575,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals560,000.0
2018BothNo CharacteristicAll Appraisals14,849.0
2018PurchaseNo CharacteristicAll Appraisals8,906.0
2018RefinanceNo CharacteristicAll Appraisals5,943.0
2018BothNo CharacteristicAll Appraisals570,000.0
2018PurchaseNo CharacteristicAll Appraisals575,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals525,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals17,318.0
2017PurchaseNo CharacteristicAll Appraisals9,024.0
2017PurchaseNo CharacteristicAll Appraisals535,000.0
2017RefinanceNo CharacteristicAll Appraisals8,294.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals530,000.0
2016PurchaseNo CharacteristicAll Appraisals9,113.0
2016RefinanceNo CharacteristicAll Appraisals522,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals490,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals511,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016BothNo CharacteristicAll Appraisals27,088.0
2016RefinanceNo CharacteristicAll Appraisals17,975.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals465,000.0
2015PurchaseNo CharacteristicAll Appraisals0.4
2015RefinanceNo CharacteristicAll Appraisals495,000.0
2015BothNo CharacteristicAll Appraisals23,204.0
2015RefinanceNo CharacteristicAll Appraisals14,658.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals8,546.0
2015BothNo CharacteristicAll Appraisals481,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals460,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05926,894891,59035,3043.8%
2026-04929,908895,18034,7283.7%
2026-03931,317894,34336,9744.0%
2026-02932,121890,61341,5084.5%
2026-01937,138894,13942,9994.6%
2025-12940,562901,31639,2464.2%
2025-11943,866903,13940,7274.3%
2025-09941,500902,70438,7964.1%
2025-08954,138913,29140,8474.3%
2025-07955,941914,35941,5824.3%
2025-06956,625916,70939,9164.2%
2025-05948,188909,56738,6214.1%
2025-04952,290918,28034,0103.6%
2025-03954,052916,59437,4583.9%
2025-02951,829913,01038,8194.1%
2025-01955,737918,67237,0653.9%
2024-12953,232919,71933,5133.5%
2024-11951,552918,49633,0563.5%
2024-10949,303915,98733,3163.5%
2024-09942,027909,94532,0823.4%
2024-08954,619917,05837,5613.9%
2024-07958,467919,28639,1814.1%
2024-06958,450921,93136,5193.8%
2024-05942,576909,78132,7953.5%
2024-04941,855914,05027,8053.0%
2024-03947,941916,10731,8343.4%
2024-02939,581906,04233,5393.6%
2024-01939,349907,05732,2923.4%
2023-12933,672904,81628,8563.1%
2023-11935,563908,97626,5872.8%
2023-10928,731900,64628,0853.0%
2023-09920,085893,51826,5672.9%
2023-08931,466901,66829,7983.2%
2023-07929,795900,18429,6113.2%
2023-06928,035898,58629,4493.2%
2023-05914,758888,56626,1922.9%
2023-04914,565893,46121,1042.3%
2023-03919,173892,86526,3082.9%
2023-02917,808889,00028,8083.1%
2023-01917,414888,63728,7773.1%
2022-12912,170887,82924,3412.7%
2022-11909,635885,57424,0612.6%
2022-10912,318885,79226,5262.9%
2022-09904,574878,93725,6372.8%
2022-08920,796890,56930,2273.3%
2022-07920,953890,75030,2033.3%
2022-06919,808889,85129,9573.3%
2022-05908,760881,75427,0063.0%
2022-04905,554881,83623,7182.6%
2022-03915,164888,35226,8122.9%
2022-02911,690882,93528,7553.2%
2022-01910,231878,99331,2383.4%
2021-12906,137880,73125,4062.8%
2021-11908,797881,66327,1343.0%
2021-10902,820871,33731,4833.5%
2021-09893,050860,18032,8703.7%
2021-08909,141870,60238,5394.2%
2021-07911,193869,13942,0544.6%
2021-06907,509864,05843,4514.8%
2021-05896,532857,29139,2414.4%
2021-04895,724855,75239,9724.5%
2021-03898,032853,11944,9135.0%
2021-02896,422847,32349,0995.5%
2021-01897,543844,97652,5675.9%
2020-12902,228847,63054,5986.1%
2020-11904,712847,27257,4406.3%
2020-10908,130845,34862,7826.9%
2020-09897,529826,35271,1777.9%
2020-08908,385831,39376,9928.5%
2020-07909,014811,03297,98210.8%
2020-06907,125796,101111,02412.2%
2020-05860,560759,132101,42811.8%
2020-04824,822711,510113,31213.7%
2020-03915,718889,39726,3212.9%
2020-02927,378904,00623,3722.5%
2020-01928,779903,78124,9982.7%
2019-12930,793911,67619,1172.1%
2019-11931,554913,05518,4992.0%
2019-10930,543910,77419,7692.1%
2019-09921,785901,39120,3942.2%
2019-08936,722913,39623,3262.5%
2019-07940,146914,50725,6392.7%
2019-06940,335915,98124,3542.6%
2019-05927,318905,07922,2392.4%
2019-04926,934907,57819,3562.1%
2019-03932,374908,26324,1112.6%
2019-02931,357906,25325,1042.7%
2019-01932,330904,73727,5933.0%
2018-12931,562909,25422,3082.4%
2018-11929,996909,39420,6022.2%
2018-10928,140905,38122,7592.5%
2018-09919,819896,39323,4262.5%
2018-08927,446900,83826,6082.9%
2018-07937,558907,96129,5973.2%
2018-06936,307906,70629,6013.2%
2018-05923,760898,69825,0622.7%
2018-04920,692897,11023,5822.6%
2018-03920,984893,64927,3353.0%
2018-02916,945887,45629,4893.2%
2018-01909,988880,58929,3993.2%

BEA Personal Income

2024$186.94B1,668,956$112K
2023$176.98B1,644,932$108K
2022$166.58B1,629,805$102K
2021$162.65B1,620,553$100K
2020$147.35B1,627,578$91K
2019$140.51B1,630,745$86K
2018$132.55B1,625,887$82K
2017$125.34B1,620,034$77K
2016$119.30B1,608,748$74K
2015$116.04B1,597,164$73K
2014$108.30B1,584,471$68K
2013$102.53B1,567,471$65K
2012$101.59B1,547,904$66K
2011$96.95B1,527,626$63K
2010$90.89B1,508,219$60K
2009$88.14B1,494,764$59K
2008$90.41B1,477,049$61K
2007$85.95B1,463,106$59K
2006$80.79B1,456,528$55K
2005$75.07B1,454,868$52K
2004$71.92B1,459,232$49K
2003$68.92B1,464,083$47K
2002$68.38B1,468,488$47K
2001$69.64B1,473,021$47K
2000$68.91B1,467,248$47K
1999$60.87B1,459,797$42K
1998$56.42B1,451,865$39K
1997$52.52B1,442,633$36K
1996$49.58B1,431,633$35K
1995$46.44B1,421,302$33K
1994$43.52B1,412,979$31K
1993$41.68B1,407,438$30K
1992$40.22B1,402,989$29K
1991——$27K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-07-07$0——No
2026-04-10$0——Yes
2026-03-05$0$0$0Yes
2025-09-06$0$0$0Yes
2025-08-01$0$0$0No
2025-06-08$5K$5K$0Yes
2025-02-16$0——Yes
2024-12-15$0——Yes
2024-12-13$0——Yes
2024-06-27$0$0$0Yes
2024-06-14$0$0$0No
2024-06-14$70K$70K$0No
2024-04-05$0——Yes
2024-04-04$7K$7K$0Yes
2024-03-23$3K$3K$0Yes
2024-02-01$0——Yes
2024-01-30$0$0$0No
2024-01-16$2K$2K$0No
2024-01-15$0$0$0Yes
2024-01-14$9K$9K$0Yes
2024-01-14$3K$3K$0Yes
2024-01-13$1K$1K$0Yes
2024-01-13$1K$1K$0Yes
2024-01-13$0——Yes
2024-01-11$9K$9K$0Yes
2024-01-10$12K$9K$3KYes
2024-01-10$10K$10K$0No
2024-01-10$0——Yes
2024-01-10$4K$4K$0Yes
2024-01-10$4K$4K$0Yes
2024-01-09$0——Yes
2024-01-09$5K$5K$0Yes
2024-01-09$11K$11K$0Yes
2023-12-21$15K$15K$0Yes
2023-12-20$30K$30K$0Yes
2023-12-18$0——No
2023-12-18$171K$171K$0No
2023-12-18$42K$42K$0Yes
2023-12-18$2K$2K$0Yes
2023-12-18$15K$11K$4KYes
2023-12-18$6K$6K$0Yes
2023-12-18$0$0$0Yes
2023-12-18$5K$5K$0Yes
2023-12-18$8K$8K$0No
2023-12-18$3K$3K$0Yes
2023-12-18$6K$6K$0Yes
2023-12-18$0——Yes
2023-12-18$2K$2K$0Yes
2023-12-18$4K$4K$0Yes
2023-12-18$0$0$0Yes
2023-12-17$8K$8K$0Yes
2023-09-19$4K$4K$0Yes
2023-09-12$5K$5K$0Yes
2023-09-11$0$0$0Yes
2023-08-18$31K$31K$0Yes
2023-08-18$54K$50K$4KYes
2023-08-09$0$0$0Yes
2023-08-08$10K$10K$0Yes
2023-08-08$2K$2K$0Yes
2023-08-08$3K$3K$0Yes
2023-08-08$4K$4K$0Yes
2023-08-08$10K$10K$384.23No
2023-08-08$4K$4K$0Yes
2023-08-08$7K$7K$0Yes
2023-08-08$9K$9K$0Yes
2023-08-08$4K$4K$0Yes
2023-08-08$42K$0$42KNo
2023-08-08$64K$64K$0Yes
2023-08-08$11K$11K$0Yes
2023-08-08$16K$11K$5KYes
2023-08-08$33K$33K$0Yes
2023-08-08$4K$4K$0No
2023-08-08$6K$6K$0Yes
2023-08-08$16K$12K$4KYes
2023-08-08$78K$78K$0No
2023-08-08$4K$4K$0Yes
2023-08-08$8K$8K$0Yes
2023-08-08$45K$37K$7KYes
2023-08-08$9K$9K$0No
2023-08-07$43K$43K$0Yes
2023-08-07$37K$37K$0Yes
2023-07-25$0$0$0No
2023-07-21$0——Yes
2023-07-16$0——Yes
2023-07-02$0$0$0Yes
2023-06-03$20K$0$20KNo
2023-03-14$383.55$383.55$0Yes
2023-03-14$6K$6K$0No
2023-01-26$2K$2K$0Yes
2022-12-18$25K$25K$0Yes
2022-12-17$0——No
2022-02-04$20K$14K$7KYes
2022-02-04$0$0$0Yes
2022-01-16$31.3$31.3$0Yes
2021-10-20$0——Yes
2021-09-02$13K$13K$0Yes
2021-09-02$24K$24K$0Yes
2021-09-02$5K$5K$0Yes
2021-09-02$2K$2K$0Yes
2021-09-02$0——Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN MIDDLESEX COUNTY →Opens the loan explorer already filtered to county FIPS 25017.

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