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MortRadarTERMINAL
State markets/Massachusetts/Worcester County

COUNTY MORTGAGE MARKET · FIPS 25027

Worcester County, Massachusetts

Who lends in Worcester 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

$6.73B

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

Originations · 2025

18,626

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

Denial rate · 2025

15.1%

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

Lenders active · 2025

499

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

Concentration (HHI)

152

unconcentrated

Top-5 lender share

19.2%

of originations

Purchase

60.5%

8,895 loans

Refinance

39.5%

5,810 loans

Origination trend

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

Lenders in Worcester 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 Worcester 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 WORCESTER COUNTY →

TOP TEN LENDERS IN WORCESTER 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.

1,154$342.6M$342.6M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
779$315.8M$315.8M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
428$239.8M$239.8M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
467$201.8M$201.8M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
485$194.9M$194.9M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
709$154.4M$154.4M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
424$147.9M$147.9M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
351$142.2M$142.2M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
341$138.1M$138.1M originated in Worcester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$132.6M$132.6M originated in Worcester 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 Worcester County

All 87 ZIP Code Tabulation Areas that touch Worcester 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.
87 OF 87 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 10 Worcester County tracts this ZIP area touches sit mostly inside it.43,78236.0%10,262——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 12 Worcester County tracts this ZIP area touches sit mostly inside it.41,94645.4%8,279——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Worcester County tracts this ZIP area touches sit mostly inside it.40,54750.9%7,139——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Worcester County tracts this ZIP area touches sit mostly inside it.38,32536.7%10,055——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Worcester County tracts this ZIP area touches sit mostly inside it.30,37934.0%7,715——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Worcester County tracts this ZIP area touches sit mostly inside it.27,67857.4%4,065——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Worcester County tracts this ZIP area touches sit mostly inside it.26,64338.9%3,868——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Worcester County tracts this ZIP area touches sit mostly inside it.26,31465.8%2,149——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Worcester County tracts this ZIP area touches sit mostly inside it.25,13069.3%1,247——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Worcester County tracts this ZIP area touches sit mostly inside it.22,03938.1%5,320——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Worcester County tracts this ZIP area touches sit mostly inside it.21,56739.8%4,311——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Worcester County tracts this ZIP area touches sit mostly inside it.21,28721.4%4,739——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Worcester County tracts this ZIP area touches sit mostly inside it.20,59029.6%5,036——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Worcester County tracts this ZIP area touches sit mostly inside it.17,77624.3%3,899——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Worcester County tracts this ZIP area touches sit mostly inside it.17,74043.3%3,167——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Worcester County tracts this ZIP area touches sit mostly inside it.16,88914.7%5,766——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.15,74124.3%4,463——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Worcester County tracts this ZIP area touches sit mostly inside it.15,42829.1%3,191——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Worcester County tracts this ZIP area touches sit mostly inside it.14,34913.2%4,512——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Worcester County tracts this ZIP area touches sit mostly inside it.14,16210.0%4,257——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.13,83114.8%3,829——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Worcester County tracts this ZIP area touches sit mostly inside it.13,67111.9%3,916——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.13,34713.1%3,889——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.13,3159.6%3,854——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 9 Worcester County tracts this ZIP area touches sit mostly inside it.12,14356.5%1,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.11,99215.3%3,320——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.11,92119.3%2,826——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.11,78214.4%3,595——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.11,21417.8%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 2 Worcester County tracts this ZIP area touches sit mostly inside it.10,45024.5%3,159——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.10,36413.3%2,910——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.10,18311.2%2,958——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.9,86712.6%3,191——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.9,3578.8%3,061——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.9,20810.4%2,901——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.9,04911.7%2,461——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.8,9839.0%2,439——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.8,44125.3%2,179——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.8,21310.1%2,658——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.8,00013.4%2,435——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.7,9859.5%2,918——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.7,87716.9%2,229——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.6,64514.2%1,951——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.6,3159.3%1,919——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.6,2289.4%1,896——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Worcester County tracts this ZIP area touches sit mostly inside it.6,15214.7%1,178——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.6,01712.3%1,684——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.5,66513.4%1,679——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.5,55613.9%1,657——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.5,5309.7%1,765——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.5,01428.9%1,214——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.5,00415.1%1,463——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.4,9759.9%1,441——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.4,84913.2%1,477——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.4,7359.7%1,269——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.4,4629.5%1,361——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.4,44224.4%1,376——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.4,3288.4%1,567——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.4,18514.0%1,299——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Worcester County tracts this ZIP area touches sit mostly inside it.4,05952.3%96——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.3,8338.9%1,060——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.3,6879.3%1,233——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.3,6637.8%1,147——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.3,4958.7%1,194——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.3,4399.0%1,196——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Worcester County tracts this ZIP area touches sit mostly inside it.3,43618.1%903——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.3,1748.2%1,092——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.3,15811.5%1,083——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.2,66634.5%423——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.2,22410.0%649——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.1,8519.5%583——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Worcester County tracts this ZIP area touches sit mostly inside it.1,2505.9%452——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Worcester County tract this ZIP area touches sit mostly inside it.1,1948.9%420——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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 Worcester 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.

191 of Worcester County’s 191 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 Worcester County

All 191 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.

191 OF 191 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper121.3%6,3159.3%OPEN →
Middle103.7%4,78912.8%OPEN →
Middle91.0%3,63414.1%OPEN →
Middle102.8%1,2505.9%OPEN →
Middle110.6%1,94113.4%OPEN →
Moderate69.5%4,51513.8%OPEN →
Moderate67.8%3,63910.3%OPEN →
Moderate67.1%3,79112.4%OPEN →
Middle90.3%1,7269.2%OPEN →
Middle92.7%1,1948.9%OPEN →
Middle102.8%3,6879.3%OPEN →
Middle99.6%4,4629.5%OPEN →
Middle110.2%4,3288.4%OPEN →
Moderate54.8%4,08521.4%OPEN →
Low40.4%2,12021.3%OPEN →
Moderate52.6%4,05619.5%OPEN →
Moderate64.8%4,90417.3%OPEN →
Moderate78.7%6,12226.1%OPEN →
Middle117.4%8,21310.1%OPEN →
Middle93.3%4,35627.9%OPEN →
Middle88.0%7,81229.9%OPEN →
Moderate51.1%3,40441.8%OPEN →
Middle89.8%4,07839.3%OPEN →
Low48.6%4,93950.7%OPEN →
Middle109.8%2,13422.5%OPEN →
Middle92.9%6,18730.4%OPEN →
Middle89.1%2,42850.6%OPEN →
Middle101.0%5,94837.3%OPEN →
Moderate74.9%2,49634.0%OPEN →
Moderate61.4%3,81555.5%OPEN →
Moderate66.8%7,03935.1%OPEN →
Moderate79.5%3,58236.6%OPEN →
Moderate67.7%2,20438.4%OPEN →
Moderate53.1%3,39557.0%OPEN →
Low44.9%3,28559.5%OPEN →
Moderate63.3%4,01351.2%OPEN →
Low37.4%1,80055.9%OPEN →
Low45.8%4,78551.5%OPEN →
Moderate50.3%3,07351.1%OPEN →
Middle100.2%4,95526.2%OPEN →
Middle104.4%7,34915.4%OPEN →
Upper138.7%4,43312.6%OPEN →
Middle111.7%8,44125.3%OPEN →
Upper187.0%5,66513.4%OPEN →
Upper136.3%3,70119.4%OPEN →
Middle80.0%4,80731.6%OPEN →
Middle91.7%2,95333.4%OPEN →
Middle86.6%3,96731.9%OPEN →
Middle114.6%3,15811.5%OPEN →
Upper125.1%4,84913.2%OPEN →
Upper130.6%7,9859.5%OPEN →
Upper129.3%3,4958.7%OPEN →
Middle87.8%1,8519.5%OPEN →
Upper162.8%5,02611.0%OPEN →
Middle94.4%4,02312.4%OPEN →
Middle106.0%5,5309.7%OPEN →
Middle90.5%3,6637.8%OPEN →
Middle84.7%3,8338.9%OPEN →
Middle85.9%4,7359.7%OPEN →
Middle107.3%6,18211.7%OPEN →
Middle81.8%5,81019.1%OPEN →
Upper142.9%5,00415.1%OPEN →
Upper147.5%5,38814.7%OPEN →
Upper126.4%4,04513.4%OPEN →
Upper133.8%4,91611.4%OPEN →
Upper130.8%5,55613.9%OPEN →
Upper153.7%5,00817.8%OPEN →
Middle96.9%2,86915.5%OPEN →
Middle104.7%6,50438.2%OPEN →
Middle103.1%6,14632.1%OPEN →
Middle102.6%5,22335.4%OPEN →
Moderate60.0%5,99259.7%OPEN →
Moderate71.0%2,06661.4%OPEN →
Moderate60.6%4,16650.0%OPEN →
Upper143.6%9,29821.5%OPEN →
Middle91.3%7,36731.9%OPEN →
Upper143.0%3,82321.4%OPEN →
Middle114.9%2,22226.3%OPEN →
Middle98.0%3,72822.6%OPEN →
Middle111.9%4,41627.7%OPEN →
Middle84.3%2,46848.9%OPEN →
Moderate60.0%7,08154.1%OPEN →
Moderate61.2%4,52758.6%OPEN →
Middle109.6%2,85738.3%OPEN →
—0.0%——OPEN →
Low40.9%6,09067.1%OPEN →
Low43.8%2,53173.5%OPEN →
Low30.2%4,42382.3%OPEN →
Low44.4%5,19780.6%OPEN →
Low27.2%5,44374.7%OPEN →
Low40.8%4,81249.0%OPEN →
Low28.3%3,26734.5%OPEN →
Low29.6%4,05952.3%OPEN →
—0.0%2,82548.3%OPEN →
Low19.8%4,11877.5%OPEN →
Low43.5%6,35171.2%OPEN →
Low12.5%3,43979.8%OPEN →
Moderate67.3%4,34846.3%OPEN →
Middle97.5%3,26444.4%OPEN →
Middle84.3%3,68340.0%OPEN →
Moderate71.7%3,21258.8%OPEN →
Middle92.8%4,83537.5%OPEN →
Moderate51.7%4,71652.4%OPEN →
Moderate54.4%8,01871.6%OPEN →
Low49.5%2,49067.4%OPEN →
Low45.8%5,44868.8%OPEN →
Low37.1%4,69965.9%OPEN →
Middle80.7%5,37438.7%OPEN →
Moderate71.1%4,62051.0%OPEN →
Moderate72.1%7,44450.6%OPEN →
—0.0%3,29931.1%OPEN →
Low42.6%4,27373.7%OPEN →
Moderate73.8%2,27341.5%OPEN →
Moderate73.9%2,70847.9%OPEN →
Middle100.7%6,64514.2%OPEN →
Middle110.6%4,44224.4%OPEN →
Upper129.7%2,68813.9%OPEN →
Middle99.2%3,98516.2%OPEN →
Middle87.7%2,48917.4%OPEN →
Middle98.2%3,11316.4%OPEN →
Upper126.4%4,61411.3%OPEN →
Upper128.2%5,38113.1%OPEN →
Moderate74.6%1,76015.1%OPEN →
Middle105.7%6,69016.2%OPEN →
Upper128.5%5,01428.9%OPEN →
Upper135.0%4,44618.1%OPEN →
Upper141.9%6,76817.6%OPEN →
Upper144.5%5,28635.9%OPEN →
Middle108.0%5,23257.8%OPEN →
Middle98.7%3,50842.6%OPEN →
Upper147.6%3,24840.1%OPEN →
Middle114.9%4,00431.9%OPEN →
Upper134.2%6,55435.5%OPEN →
Upper157.3%2,54823.3%OPEN →
Upper162.1%7,94527.0%OPEN →
Upper157.4%6,22725.4%OPEN →
Upper165.7%6,26623.1%OPEN →
Upper142.8%3,24824.3%OPEN →
Upper206.6%4,64623.7%OPEN →
Upper180.1%5,80425.2%OPEN →
Upper124.9%4,25525.1%OPEN →
Upper215.3%5,67726.9%OPEN →
Upper161.5%5,04662.2%OPEN →
Upper138.0%8,00013.4%OPEN →
Middle113.3%5,55223.1%OPEN →
Middle109.2%2,78025.5%OPEN →
Upper121.9%5,16722.7%OPEN →
Middle105.3%2,82438.5%OPEN →
Middle96.9%5,33935.9%OPEN →
Moderate73.4%4,45057.2%OPEN →
Middle84.9%4,26738.0%OPEN →
Middle117.8%6,01712.3%OPEN →
Upper151.6%6,2289.4%OPEN →
Middle116.8%5,30610.3%OPEN →
Middle118.9%3,90210.6%OPEN →
Middle94.9%3,1748.2%OPEN →
Upper130.2%8,3718.8%OPEN →
Middle114.0%5,79111.7%OPEN →
Middle96.8%6,15214.7%OPEN →
Upper139.3%7,1609.9%OPEN →
Middle89.6%3,02314.2%OPEN →
Upper126.0%6,3909.4%OPEN →
Middle116.0%2,9677.6%OPEN →
Upper136.3%5,6479.1%OPEN →
Upper127.8%3,3369.0%OPEN →
Upper123.0%7,25414.8%OPEN →
Middle90.1%6,09310.9%OPEN →
Middle102.2%6,77815.1%OPEN →
Low46.5%3,76929.2%OPEN →
Moderate50.2%3,09935.7%OPEN →
Middle81.5%4,13026.2%OPEN →
Middle85.7%3,45018.1%OPEN →
Middle112.5%4,50811.9%OPEN →
Middle87.5%3,96328.9%OPEN →
Middle104.2%4,53810.6%OPEN →
Upper121.7%8,7779.1%OPEN →
Moderate57.3%4,63040.3%OPEN →
Low37.8%2,55461.6%OPEN →
Low38.4%3,20558.7%OPEN →
Middle80.6%2,81333.9%OPEN →
Middle94.3%4,53831.0%OPEN →
Middle114.8%1,68410.8%OPEN →
Middle94.3%4,98212.6%OPEN →
Middle110.4%3,20113.5%OPEN →
Middle80.8%2,22410.0%OPEN →
Middle110.8%3,4399.0%OPEN →
Middle94.0%4,9759.9%OPEN →
Middle97.7%6,58943.3%OPEN →
Middle107.1%3,43618.1%OPEN →
Upper202.4%4,18514.0%OPEN →
Upper134.7%2,66634.5%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

867,788

Median household income

$95,939

Median home value

$423,700

Median gross rent

$1,426

per month

Owner-occupied

65.8%

of occupied units

Housing units

355,185

5.5% vacant

Poverty rate

10.3%

Unemployment

5.3%

Natural-hazard exposure

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

Overall risk

Relatively Moderate

score 93.5

Social vulnerability

Relatively 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

86

Declarations recorded

32

Incident types on record: Biological, Coastal Storm, Fire, Flood, Hurricane, Severe Ice Storm, Severe Storm, Snowstorm, Tornado.

Everything we hold on Worcester 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 Worcester County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Worcester County →Every reported application and origination in FIPS 25027, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Worcester 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

652

—

Purchase share

36.3%

237 loans

IRRRL refinances

287

Cash-out refinances

128

2026652—237287128
2025707—355185167
2024521—31971131
2023484—32120143
2022——464208375
20212,271—5431,391337
20201,894—5371,042315
2019957—522152283
20181,027—61189327
20171,232—601308323
20161,024—544238242
2015876—450239187

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 Worcester 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

Worcester 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

776

−19.5% vs 2024

Multifamily · 2025

914

−40.7% vs 2024

Total authorized · 2025

1,690

−32.6% vs 2024

Permit valuation · 2025

$442.1M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,690 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 Worcester County, showing population movement and wealth transfer.

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

inflow2223Middlesex County, MA4,5927,627$417.5M
outflow2223Middlesex County, MA2,9274,356$246.6M
outflow2223Other flows - South, DS1,3792,474$110.0M
inflow2223Other flows - South, DS1,1701,909$71.5M
inflow2223Norfolk County, MA1,0301,681$93.6M
inflow2223Suffolk County, MA9601,438$89.0M
outflow2223Suffolk County, MA9211,125$68.2M
outflow2223Norfolk County, MA8621,288$70.9M
outflow2223Other flows - Northeast, DS7781,294$65.1M
inflow2223Other flows - Northeast, DS7691,197$54.6M
inflow2223Essex County, MA578986$39.9M
outflow2223Providence County, RI570839$35.6M
outflow2223Other flows - Midwest, DS566940$37.0M
outflow2223Hampden County, MA561905$33.4M
inflow2223Providence County, RI497763$33.4M
inflow2223Other flows - West, DS487774$37.2M
outflow2223Other flows - West, DS487721$38.5M
inflow2223Hampden County, MA459696$29.1M
outflow2223Northeastern Connecticut Planning, CT450789$31.8M
inflow2223Other flows - Midwest, DS432680$29.6M
outflow2223Essex County, MA375558$27.0M
inflow2223Bristol County, MA373596$27.0M
outflow2223Hillsborough County, NH348547$32.6M
outflow2223Capitol Planning Region, CT318479$22.0M
outflow2223Bristol County, MA302473$20.2M
outflow2223Barnstable County, MA296501$45.4M
outflow2223Hampshire County, MA268405$14.2M
inflow2223Plymouth County, MA264401$19.4M
outflow2223Plymouth County, MA255424$23.2M
outflow2223Franklin County, MA244437$13.9M
inflow2223Hillsborough County, NH240337$16.8M
inflow2223Northeastern Connecticut Planning, CT232352$14.0M
inflow2223Hampshire County, MA223333$14.0M
inflow2223Capitol Planning Region, CT218322$14.6M
inflow2223Barnstable County, MA208286$17.1M
inflow2223Franklin County, MA206323$9.4M
outflow2223New York County, NY158182$13.6M
outflow2223Cheshire County, NH149248$11.5M
outflow2223Foreign - Overseas, FR140259$24.5M
outflow2223Los Angeles County, CA120142$6.6M
outflow2223Rockingham County, NH116168$14.6M
outflow2223York County, ME114173$10.4M
outflow2223Palm Beach County, FL106176$60.9M
inflow2223Rockingham County, NH104157$7.4M
inflow2223Los Angeles County, CA95130$8.2M
outflow2223Kings County, NY94108$7.5M
outflow2223Cumberland County, ME92137$7.1M
outflow2223Orange County, FL91162$6.1M
inflow2223Bronx County, NY87164$3.0M
outflow2223Broward County, FL87138$7.8M
outflow2223Horry County, SC85161$8.7M
outflow2223Pinellas County, FL84129$7.2M
outflow2223Maricopa County, AZ81132$5.7M
outflow2223Foreign - Puerto Rico, FR80130$1.6M
outflow2223Lee County, FL80139$9.0M
outflow2223Cook County, IL7993$4.5M
outflow2223Wake County, NC79162$9.3M
outflow2223San Diego County, CA77129$6.2M
outflow2223Sarasota County, FL77134$9.7M
outflow2223Southeastern Connecticut Planning, CT77123$5.2M
inflow2223Cheshire County, NH73107$3.8M
outflow2223South Central Connecticut Plannin, CT72102$5.8M
outflow2223Polk County, FL72131$4.1M
outflow2223Hillsborough County, FL70108$4.8M
inflow2223Maricopa County, AZ69101$4.5M
outflow2223Mecklenburg County, NC68101$5.1M
outflow2223Philadelphia County, PA6875$3.0M
outflow2223Harris County, TX68110$5.5M
outflow2223District of Columbia, DC6772$4.8M
inflow2223New York County, NY6681$4.8M
outflow2223Kent County, RI6591$4.5M
outflow2223Brevard County, FL63118$5.1M
outflow2223Berkshire County, MA6296$5.5M
outflow2223King County, WA6177$6.3M
inflow2223Kent County, RI6183$3.8M
inflow2223Foreign - Puerto Rico, FR60139$1.2M
inflow2223South Central Connecticut Plannin, CT6089$3.7M
inflow2223Southeastern Connecticut Planning, CT6086$4.4M
inflow2223Kings County, NY6093$3.6M
inflow2223Queens County, NY60106$4.1M
outflow2223Washington County, RI5990$6.7M
outflow2223Dallas County, TX5997$4.5M
outflow2223Merrimack County, NH5888$4.3M
outflow2223Travis County, TX5777$6.0M
outflow2223Volusia County, FL57103$5.5M
inflow2223Foreign - Overseas, FR57115$5.3M
inflow2223Palm Beach County, FL5690$4.9M
inflow2223Broward County, FL5469$3.9M
outflow2223Miami-Dade County, FL5472$3.2M
inflow2223Berkshire County, MA5480$3.8M
inflow2223Cumberland County, ME5264$2.9M
outflow2223Queens County, NY5278$4.6M
inflow2223Travis County, TX5080$4.7M
inflow2223Naugatuck Valley Planning Region, CT4975$3.7M
outflow2223Santa Clara County, CA4971$6.9M
outflow2223Manatee County, FL4990$6.5M
inflow2223Cook County, IL4871$3.8M
inflow2223Hillsborough County, FL4775$2.7M
outflow2223Newport County, RI4775$5.6M
outflow2223Tarrant County, TX4772$2.9M
outflow2223Marion County, FL4777$3.3M
inflow2223Western Connecticut Planning Regi, CT4667$4.4M
inflow2223Suffolk County, NY4555$3.3M
outflow2223Osceola County, FL4587$1.9M
outflow2223Hudson County, NJ4550$3.0M
inflow2223Lee County, FL4571$3.7M
outflow2223Bronx County, NY4468$1.4M
outflow2223Grafton County, NH4468$4.3M
outflow2223Strafford County, NH4458$2.4M
outflow2223Naugatuck Valley Planning Region, CT4368$3.4M
inflow2223Philadelphia County, PA4259$2.3M
outflow2223Charlotte County, FL4270$5.6M
outflow2223St. Lucie County, FL4173$4.5M
inflow2223Westchester County, NY4067$3.3M
outflow2223Collier County, FL4067$6.8M
outflow2223Denver County, CO4042$3.2M
inflow2223Miami-Dade County, FL3960$2.0M
inflow2223Chittenden County, VT3948$2.2M
outflow2223Pasco County, FL3871$3.5M
inflow2223San Diego County, CA3861$3.2M
inflow2223King County, WA3747$3.4M
inflow2223Polk County, FL3760$1.2M
outflow2223Collin County, TX3784$4.7M
outflow2223Bexar County, TX3767$3.1M
outflow2223Clark County, NV3769$4.7M
inflow2223Pinellas County, FL3749$2.5M
inflow2223Harris County, TX3761$2.5M
inflow2223York County, ME3648$2.2M
outflow2223Lower Connecticut River Valley Pl, CT3652$2.5M
outflow2223Chittenden County, VT3649$2.0M
outflow2223Fulton County, GA3546$3.1M
inflow2223Hudson County, NJ3556$3.1M
inflow2223Essex County, NJ3557$2.4M
inflow2223Orange County, FL3464$2.3M
outflow2223Salt Lake County, UT3445$1.5M
outflow2223Belknap County, NH3457$6.0M
outflow2223Lake County, FL3455$2.2M
outflow2223Western Connecticut Planning Regi, CT3450$2.6M
outflow2223Fairfax County, VA3351$3.1M
inflow2223Volusia County, FL3355$1.7M
outflow2223Penobscot County, ME3243$1.3M
inflow2223Grafton County, NH3142$1.6M
inflow2223Mecklenburg County, NC3156$2.6M
inflow2223Washington County, RI3143$1.9M
outflow2223Montgomery County, MD3138$1.7M
inflow2223Fairfax County, VA3154$3.0M
outflow2223Foreign - Other flows, FR3054$2.1M
outflow2223Baltimore city, MD3034$1.6M
outflow2223Carroll County, NH3054$3.3M
outflow2223Suffolk County, NY3046$1.9M
inflow2223Nassau County, NY3061$2.2M
inflow2223Sarasota County, FL2947$1.9M
outflow2223Orange County, CA2944$2.5M
outflow2223Duval County, FL2950$2.1M
inflow2223Orange County, CA2845$2.9M
inflow2223Merrimack County, NH2837$1.7M
inflow2223Wake County, NC2853$2.7M
outflow2223Davidson County, TN2828$1.2M
outflow2223Brunswick County, NC2851$4.5M
outflow2223Sumter County, FL2849$2.6M
outflow2223San Francisco County, CA2831$5.9M
outflow2223Alameda County, CA2844$3.3M
inflow2223Brevard County, FL2739$1.2M
outflow2223Franklin County, OH2747$923K
inflow2223Duval County, FL2737$1.4M
outflow2223Arlington County, VA2729$2.0M
inflow2223Belknap County, NH2737$2.0M
inflow2223Morris County, NJ2648$3.0M
outflow2223Multnomah County, OR2632$1.8M
outflow2223Cuyahoga County, OH2640$927K
outflow2223Charleston County, SC2639$2.4M
inflow2223Middlesex County, NJ2546$1.9M
inflow2223Foreign - Other flows, FR2538$1.4M
outflow2223Allegheny County, PA2536$1.4M
inflow2223Manatee County, FL2532$1.8M
outflow2223DeKalb County, GA2537$971K
outflow2223Indian River County, FL2437$2.2M
inflow2223Lower Connecticut River Valley Pl, CT2439$1.6M
inflow2223Osceola County, FL2442$764K
inflow2223Fulton County, GA2440$2.7M
inflow2223Montgomery County, MD2440$2.2M
outflow2223Beaufort County, SC2437$2.7M
inflow2223Santa Clara County, CA2333$2.9M
outflow2223Onondaga County, NY2330$2.1M
outflow2223Essex County, NJ2338$1.7M
inflow2223Clark County, NV2347$1.6M
inflow2223Horry County, SC2330$1.1M
outflow2223Onslow County, NC2236$1.7M
outflow2223Denton County, TX2251$3.4M
inflow2223El Paso County, CO2237$1.6M
inflow2223Charlotte County, FL2235$1.6M
inflow2223Hennepin County, MN2235$2.2M
outflow2223Monroe County, NY2233$813K
outflow2223Dauphin County, PA2239$666K
outflow2223Williamson County, TX2149$2.8M
inflow2223Somerset County, NJ2134$2.0M
inflow2223Bexar County, TX2135$954K
inflow2223Dane County, WI2127$1.4M
outflow2223Middlesex County, NJ2131$1.5M
outflow2223Westchester County, NY2132$729K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Worcester County.

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

2023PurchaseNo CharacteristicAll Appraisals4,475.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,404.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,879.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals435,500.0
2023BothNo CharacteristicAll Appraisals451,000.0
2023PurchaseNo CharacteristicAll Appraisals460,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals427,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals438,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals3,107.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals410,000.0
2022BothNo CharacteristicAll Appraisals9,145.0
2022PurchaseNo CharacteristicAll Appraisals6,038.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals390,000.0
2021BothNo CharacteristicAll Appraisals16,248.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals7,204.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals9,044.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals395,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals402,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals17,528.0
2020PurchaseNo CharacteristicAll Appraisals7,052.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals362,000.0
2020RefinanceNo CharacteristicAll Appraisals370,000.0
2020RefinanceNo CharacteristicAll Appraisals10,476.0
2020PurchaseNo CharacteristicAll Appraisals350,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals330,000.0
2019PurchaseNo CharacteristicAll Appraisals6,514.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals342,000.0
2019BothNo CharacteristicAll Appraisals12,829.0
2019RefinanceNo CharacteristicAll Appraisals6,315.0
2019PurchaseNo CharacteristicAll Appraisals320,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals300,000.0
2018BothNo CharacteristicAll Appraisals9,654.0
2018PurchaseNo CharacteristicAll Appraisals6,185.0
2018RefinanceNo CharacteristicAll Appraisals3,469.0
2018BothNo CharacteristicAll Appraisals308,000.0
2018PurchaseNo CharacteristicAll Appraisals310,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals295,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals10,813.0
2017PurchaseNo CharacteristicAll Appraisals6,300.0
2017PurchaseNo CharacteristicAll Appraisals305,000.0
2017RefinanceNo CharacteristicAll Appraisals4,513.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals300,000.0
2016PurchaseNo CharacteristicAll Appraisals5,980.0
2016RefinanceNo CharacteristicAll Appraisals325,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals289,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals310,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals12,857.0
2016RefinanceNo CharacteristicAll Appraisals6,877.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals275,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals310,000.0
2015BothNo CharacteristicAll Appraisals10,901.0
2015RefinanceNo CharacteristicAll Appraisals5,678.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals5,223.0
2015BothNo CharacteristicAll Appraisals295,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals280,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05467,478448,18719,2914.1%
2026-04467,901448,33019,5714.2%
2026-03470,354448,35821,9964.7%
2026-02472,028447,35724,6715.2%
2026-01474,170448,91725,2535.3%
2025-12474,758452,27922,4794.7%
2025-11473,777451,55322,2244.7%
2025-09471,630450,47221,1584.5%
2025-08476,946454,13322,8134.8%
2025-07478,158454,87023,2884.9%
2025-06479,847458,06221,7854.5%
2025-05475,458454,37221,0864.4%
2025-04476,853457,14419,7094.1%
2025-03478,468456,29222,1764.6%
2025-02477,677454,48023,1974.9%
2025-01478,851456,64522,2064.6%
2024-12473,827454,80719,0204.0%
2024-11472,823454,67618,1473.8%
2024-10471,662453,63418,0283.8%
2024-09468,659451,11117,5483.7%
2024-08475,953455,01720,9364.4%
2024-07477,595455,57922,0164.6%
2024-06475,890455,87420,0164.2%
2024-05469,623451,43418,1893.9%
2024-04468,211451,99616,2153.5%
2024-03471,956453,06718,8894.0%
2024-02468,792448,41220,3804.3%
2024-01468,222448,82019,4024.1%
2023-12465,941449,04516,8963.6%
2023-11466,309451,26315,0463.2%
2023-10462,891447,28615,6053.4%
2023-09458,635443,76014,8753.2%
2023-08463,876446,88016,9963.7%
2023-07461,808444,91916,8893.7%
2023-06460,095443,73916,3563.6%
2023-05455,337440,25115,0863.3%
2023-04455,379442,27013,1092.9%
2023-03457,823440,19617,6273.9%
2023-02458,100438,61619,4844.3%
2023-01456,915438,27518,6404.1%
2022-12455,022439,58015,4423.4%
2022-11453,425438,78014,6453.2%
2022-10453,645438,12015,5253.4%
2022-09450,528435,08815,4403.4%
2022-08458,914440,15418,7604.1%
2022-07458,133439,47818,6554.1%
2022-06458,517440,36818,1494.0%
2022-05454,094437,67616,4183.6%
2022-04453,174438,02515,1493.3%
2022-03458,557440,84317,7143.9%
2022-02457,111437,49019,6214.3%
2022-01455,362434,94120,4214.5%
2021-12452,469435,84016,6293.7%
2021-11453,590436,69116,8993.7%
2021-10450,428431,33419,0944.2%
2021-09445,654425,46120,1934.5%
2021-08454,267430,14224,1255.3%
2021-07455,551429,30226,2495.8%
2021-06454,616427,49327,1236.0%
2021-05448,799424,33424,4655.5%
2021-04448,321423,41124,9105.6%
2021-03448,478420,16628,3126.3%
2021-02448,207417,45230,7556.9%
2021-01448,835416,55432,2817.2%
2020-12451,294418,84332,4517.2%
2020-11451,367418,79232,5757.2%
2020-10452,105416,98835,1177.8%
2020-09447,033405,88641,1479.2%
2020-08451,362406,41344,94910.0%
2020-07452,885395,75957,12612.6%
2020-06455,186390,75564,43114.2%
2020-05433,107373,67359,43413.7%
2020-04417,565348,25169,31416.6%
2020-03452,325434,40417,9214.0%
2020-02457,530440,93316,5973.6%
2020-01457,561440,35117,2103.8%
2019-12458,312444,60513,7073.0%
2019-11457,566445,28112,2852.7%
2019-10456,890444,06712,8232.8%
2019-09452,573439,43613,1372.9%
2019-08457,569442,25215,3173.3%
2019-07458,813442,19816,6153.6%
2019-06461,208445,49815,7103.4%
2019-05456,876442,55714,3193.1%
2019-04457,495444,41313,0822.9%
2019-03460,019443,43616,5833.6%
2019-02460,865443,19117,6743.8%
2019-01460,223441,32118,9024.1%
2018-12459,762444,66615,0963.3%
2018-11458,875445,71813,1572.9%
2018-10456,823442,55214,2713.1%
2018-09453,629438,89914,7303.2%
2018-08456,118439,18616,9323.7%
2018-07459,283440,69418,5894.0%
2018-06460,944442,51118,4334.0%
2018-05456,604440,74215,8623.5%
2018-04454,970439,53915,4313.4%
2018-03455,718437,57118,1474.0%
2018-02454,233434,61319,6204.3%
2018-01449,793430,22019,5734.4%

BEA Personal Income

2024$63.37B881,248$72K
2023$60.36B872,813$69K
2022$57.29B865,735$66K
2021$55.88B862,052$65K
2020$52.81B857,092$62K
2019$48.46B859,347$56K
2018$46.16B855,420$54K
2017$44.34B849,178$52K
2016$42.87B840,736$51K
2015$41.50B835,482$50K
2014$39.47B829,500$48K
2013$38.15B821,543$46K
2012$38.19B814,352$47K
2011$36.72B808,160$45K
2010$34.90B801,212$44K
2009$33.56B795,251$42K
2008$34.02B790,847$43K
2007$32.55B788,280$41K
2006$30.82B785,345$39K
2005$28.98B781,265$37K
2004$27.91B777,855$36K
2003$26.44B774,476$34K
2002$25.46B768,490$33K
2001$25.46B761,211$33K
2000$24.75B752,512$33K
1999$22.11B744,571$30K
1998$20.88B736,465$28K
1997$19.71B729,367$27K
1996$18.39B723,237$25K
1995$17.33B719,334$24K
1994$16.54B717,429$23K
1993$15.68B713,011$22K
1992$15.16B709,106$21K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-05$0——Yes
2025-05-16$0$0$0Yes
2024-03-10$0——Yes
2024-03-09$0——Yes
2024-01-09$12K$12K$0No
2023-12-19$0——Yes
2023-12-18$7K$7K$0Yes
2023-12-18$11K$11K$746.95Yes
2023-12-18$11K$11K$0Yes
2023-09-12$17K$17K$0No
2023-09-12$34K$34K$0Yes
2023-09-11$22K$22K$0Yes
2023-09-11$38K$36K$3KYes
2023-09-11$0$0$0No
2023-09-11$48K$48K$0Yes
2023-09-11$15K$15K$0No
2023-09-11$4K$4K$0Yes
2023-09-11$45K$45K$0No
2023-09-11$0——Yes
2023-09-11$11K$11K$0No
2023-09-11$56K$56K$0No
2023-09-11$39K$39K$0No
2023-09-11$500K$500K$0No
2023-09-11$500K$500K$0No
2023-09-11$50K$50K$0No
2023-09-11$11K$11K$0No
2023-09-11$3K$3K$0Yes
2023-09-11$37K$37K$0No
2023-09-11$93K$93K$0No
2023-09-11$16K$15K$430.08Yes
2023-09-11$24K$24K$0No
2023-09-11$23K$23K$0No
2023-09-11$31K$28K$3KYes
2023-09-11$127K$127K$0No
2023-09-11$0$0$0Yes
2023-09-11$16K$16K$0No
2023-09-11$35K$35K$0No
2023-09-11$58K$58K$0No
2023-09-11$5K$5K$0No
2023-09-11$11K$11K$0No
2023-08-30$0$0$0Yes
2023-08-08$3K$3K$0Yes
2023-07-16$3K$3K$0Yes
2022-12-24$44K$44K$0No
2022-08-26$0$0$0Yes
2022-02-08$0——Yes
2022-02-04$0——Yes
2022-02-04$0——Yes
2022-02-04$822.5$0$822.5No
2022-02-03$0——Yes
2021-11-09$0——Yes
2021-09-02$4K$4K$0Yes
2021-08-19$0——Yes
2021-08-19$181K$181K$0No
2021-08-19$5K$5K$0No
2021-08-19$0$0$0Yes
2021-08-19$149K$149K$0No
2021-08-19$14K$14K$0Yes
2021-08-19$31K$31K$0Yes
2021-08-19$32K$32K$0Yes
2021-07-17$4K$4K$0Yes
2021-07-09$2K$2K$0Yes
2021-07-09$2K$2K$0Yes
2021-07-07$0——Yes
2020-12-25$2K$2K$0Yes
2020-12-05$0——Yes
2020-12-01$3K$3K$0Yes
2020-08-23$15K$12K$2KYes
2020-06-29$15K$15K$0No
2019-10-31$0$0$0Yes
2018-11-03$0——Yes
2018-09-25$0——Yes
2018-09-18$6K$6K$0No
2018-07-17$0——Yes
2018-04-16$6K$6K$0Yes
2017-10-31$0——Yes
2017-10-30$0——Yes
2017-10-30$1K$1K$0Yes
2017-10-30$0——Yes
2016-10-22$4K$4K$0Yes
2016-10-21$0——No
2016-10-21$2K$2K$0No
2016-10-21$0——No
2016-10-21$97K$97K$0No
2016-10-21$776K$276K$500KNo
2016-10-21$0——No
2016-10-21$3K$3K$0No
2016-10-21$0——No
2016-10-21$15K$15K$0No
2016-10-21$0——No
2016-10-21$9K$9K$0Yes
2016-10-21$24K$24K$0No
2016-10-21$0——No
2016-10-21$16K$16K$0No
2016-10-21$0——No
2016-10-21$3K$3K$0Yes
2016-10-21$5K$5K$0No
2016-10-21$13K$13K$0No
2016-10-12$0——Yes
2016-08-12$0——No

ALSO CHECKED

18 more data areas were checked for Worcester 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 WORCESTER COUNTY →Opens the loan explorer already filtered to county FIPS 25027.

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.