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State markets/Michigan/Genesee County

COUNTY MORTGAGE MARKET · FIPS 26049

Genesee County, Michigan

Who lends in Genesee 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

$1.56B

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

Originations · 2025

8,751

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

Denial rate · 2025

17.8%

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

Lenders active · 2025

335

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

Concentration (HHI)

326

unconcentrated

Top-5 lender share

33.0%

of originations

Purchase

62.9%

4,319 loans

Refinance

37.1%

2,550 loans

Origination trend

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

Lenders in Genesee 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 Genesee 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 GENESEE COUNTY →

TOP TEN LENDERS IN GENESEE 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.

748$151.3M$151.3M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
846$143.2M$143.2M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
517$96.9M$96.9M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
449$68.5M$68.5M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
263$55.3M$55.3M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
498$53.5M$53.5M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
192$43.5M$43.5M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
263$42.0M$42.0M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
135$35.8M$35.8M originated in Genesee County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
158$31.3M$31.3M originated in Genesee 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 Genesee County

All 34 ZIP Code Tabulation Areas that touch Genesee 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.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
99 of the 17 Genesee County tracts this ZIP area touches sit mostly inside it.44,95924.9%12,270——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Genesee County tracts this ZIP area touches sit mostly inside it.34,56813.6%9,415——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 18 Genesee County tracts this ZIP area touches sit mostly inside it.33,07437.9%9,376——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Genesee County tracts this ZIP area touches sit mostly inside it.25,31327.0%7,825——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Genesee County tracts this ZIP area touches sit mostly inside it.23,56743.4%5,915——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 17 Genesee County tracts this ZIP area touches sit mostly inside it.23,08577.1%6,432——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 16 Genesee County tracts this ZIP area touches sit mostly inside it.23,04161.2%6,273——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Genesee County tracts this ZIP area touches sit mostly inside it.22,75616.7%7,420——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Genesee County tracts this ZIP area touches sit mostly inside it.22,46611.6%7,042——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Genesee County tracts this ZIP area touches sit mostly inside it.20,86338.1%6,100——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Genesee County tracts this ZIP area touches sit mostly inside it.19,89013.1%6,696——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Genesee County tracts this ZIP area touches sit mostly inside it.18,9748.8%6,009——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Genesee County tracts this ZIP area touches sit mostly inside it.18,51310.0%5,510——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 19 Genesee County tracts this ZIP area touches sit mostly inside it.17,63889.5%4,448——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Genesee County tracts this ZIP area touches sit mostly inside it.11,83427.2%2,852——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Genesee County tracts this ZIP area touches sit mostly inside it.10,75716.5%3,718——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Genesee County tracts this ZIP area touches sit mostly inside it.8,3529.2%2,737——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Genesee County tracts this ZIP area touches sit mostly inside it.7,74811.6%2,560——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Genesee County tracts this ZIP area touches sit mostly inside it.7,2428.8%2,567——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Genesee County tracts this ZIP area touches sit mostly inside it.7,12419.6%2,545——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Genesee County tracts this ZIP area touches sit mostly inside it.4,4478.9%1,674——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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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 Genesee 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.

134 of Genesee County’s 134 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 Genesee County

All 134 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.

134 OF 134 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate62.5%2,12297.1%OPEN →
Moderate55.1%1,20097.0%OPEN →
Moderate58.0%2,23197.3%OPEN →
Low33.6%1,19996.2%OPEN →
Moderate53.3%1,61397.0%OPEN →
Moderate53.8%1,54397.6%OPEN →
Low45.3%1,97296.7%OPEN →
Moderate58.4%67297.6%OPEN →
Moderate53.4%2,38592.5%OPEN →
Moderate50.6%1,45995.7%OPEN →
Low46.3%1,51097.0%OPEN →
Middle83.6%2,61592.8%OPEN →
Middle89.2%2,35387.7%OPEN →
—0.0%1,17879.9%OPEN →
Low41.9%85969.3%OPEN →
Middle81.5%4,06663.3%OPEN →
Low38.3%1,31094.3%OPEN →
Low27.7%1,64982.6%OPEN →
Low34.5%2,12655.9%OPEN →
Low28.7%63392.4%OPEN →
Low38.9%1,31741.5%OPEN →
Low39.7%1,40140.8%OPEN →
Moderate59.8%2,54936.7%OPEN →
Moderate73.8%2,24937.8%OPEN →
Moderate55.2%3,14233.0%OPEN →
—0.0%2,38153.2%OPEN →
Moderate73.8%1,75768.6%OPEN →
Upper127.5%3,50048.5%OPEN →
Moderate51.5%2,09593.6%OPEN →
Low40.5%1,86892.7%OPEN →
Middle97.5%1,84573.5%OPEN →
Low8.6%1,88185.9%OPEN →
Moderate61.7%3,03941.3%OPEN →
Moderate64.9%4,95341.6%OPEN →
Middle81.8%2,12546.0%OPEN →
Moderate70.5%96843.8%OPEN →
Low43.4%3,20339.2%OPEN →
Moderate66.2%2,52513.8%OPEN →
Upper174.7%1,3728.9%OPEN →
Middle99.6%2,49512.2%OPEN →
Middle115.8%2,85510.8%OPEN →
Middle87.9%3,17714.1%OPEN →
Upper142.6%1,7566.2%OPEN →
Middle106.7%1,6467.5%OPEN →
Low44.2%3,12574.2%OPEN →
Moderate68.8%4,45181.0%OPEN →
Moderate70.4%2,39845.1%OPEN →
Middle108.0%3,64437.2%OPEN →
Middle111.4%2,22312.6%OPEN →
Middle90.2%4,18339.6%OPEN →
Upper132.9%5,60013.0%OPEN →
Upper122.8%2,81112.2%OPEN →
Middle119.0%5,53614.0%OPEN →
Upper127.5%5,16511.8%OPEN →
Upper138.9%5,26945.9%OPEN →
Low48.0%2,37569.6%OPEN →
Moderate53.7%3,45252.3%OPEN →
Moderate76.2%4,49633.9%OPEN →
Moderate67.3%2,95728.0%OPEN →
Middle96.9%4,18372.8%OPEN →
Middle109.0%3,15525.5%OPEN →
Middle91.3%5,56522.8%OPEN →
Upper155.3%6,01622.2%OPEN →
Upper248.8%4,47621.5%OPEN →
Upper126.2%5,77524.6%OPEN →
Upper160.4%6,37522.8%OPEN →
Middle106.3%1,92928.6%OPEN →
Upper140.9%5,77632.0%OPEN →
Middle98.7%5,74124.7%OPEN →
Upper138.8%5,74222.4%OPEN →
—0.0%6,10729.6%OPEN →
Low48.0%5,01432.7%OPEN →
Moderate62.0%3,34414.9%OPEN →
Middle86.8%3,47631.1%OPEN →
Upper153.0%4,23419.8%OPEN →
Middle119.0%3,22114.6%OPEN →
Upper120.7%5,04415.4%OPEN →
Middle109.5%2,49221.0%OPEN →
Middle98.7%2,89019.4%OPEN →
Upper176.5%3,08610.1%OPEN →
Moderate73.3%2,63524.3%OPEN →
Upper163.3%4,47010.6%OPEN →
Upper127.2%2,44712.3%OPEN →
Moderate76.1%2,69612.8%OPEN →
Middle89.9%3,29611.9%OPEN →
Moderate78.7%3,58920.3%OPEN →
Upper129.9%3,35810.9%OPEN →
Upper132.2%3,09611.0%OPEN →
Middle107.9%2,51713.7%OPEN →
Middle97.5%3,37813.5%OPEN →
Middle95.3%2,96419.8%OPEN →
Middle96.7%2,58012.7%OPEN →
Middle91.6%1,60113.2%OPEN →
Middle80.5%2,97011.4%OPEN →
Middle109.8%2,4149.3%OPEN →
Middle97.1%2,56618.6%OPEN →
Moderate69.2%2,34317.6%OPEN →
Moderate63.4%1,21672.2%OPEN →
Moderate63.8%3,17030.6%OPEN →
Moderate66.7%1,92729.0%OPEN →
Middle116.5%1,7959.3%OPEN →
Middle103.2%2,6528.7%OPEN →
Middle117.4%1,93010.5%OPEN →
Upper124.0%2,64215.8%OPEN →
Upper131.0%2,06810.3%OPEN →
Middle97.8%3,01411.8%OPEN →
Moderate70.9%1,74313.8%OPEN →
Middle113.3%2,99110.1%OPEN →
Middle108.7%5,89816.7%OPEN →
Middle115.2%3,1728.6%OPEN →
Upper124.7%4,28717.8%OPEN →
Upper138.4%4,6399.6%OPEN →
Upper128.2%2,0259.1%OPEN →
Middle111.8%6,33015.1%OPEN →
Middle108.0%3,73723.8%OPEN →
Upper173.4%2,76319.2%OPEN →
Upper139.2%2,4658.5%OPEN →
Upper149.3%2,6037.6%OPEN →
Upper141.3%4,4888.9%OPEN →
Upper171.4%2,2848.4%OPEN →
Upper184.7%3,2218.7%OPEN →
Upper187.0%4,8398.9%OPEN →
Upper124.0%4,1428.7%OPEN →
Upper146.3%5,96911.8%OPEN →
Middle118.0%2,67712.1%OPEN →
Upper161.8%3,3688.3%OPEN →
Upper155.0%3,6548.8%OPEN →
Upper251.4%2,8457.8%OPEN →
Upper179.2%6,3309.2%OPEN →
Upper161.9%2,0229.1%OPEN →
Moderate76.0%4,88954.3%OPEN →
Moderate50.3%1,35790.8%OPEN →
—0.0%1957.9%OPEN →
—0.0%——OPEN →

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

Housing & households

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

Population

403,305

Median household income

$62,281

Median home value

$182,400

Median gross rent

$989

per month

Owner-occupied

70.7%

of occupied units

Housing units

183,903

9.0% vacant

Poverty rate

16.4%

Unemployment

8.1%

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 92.2

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

ELEVATED PERILS

Tornado 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

87

Declarations recorded

14

Incident types on record: Biological, Flood, Hurricane, Other, Severe Storm, Snowstorm, Toxic Substances.

Everything we hold on Genesee 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 Genesee County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Genesee County →Every reported application and origination in FIPS 26049, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Genesee 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

513

—

Purchase share

40.7%

209 loans

IRRRL refinances

204

Cash-out refinances

100

2026513—209204100
2025480—223147110
2024380—2505773
2023374—2657102
2022——305110195
20211,063—334595134
2020967—299506162
2019550—31466170
2018570—31553202
2017613—321138154
2016565—293154118
2015447—24510993

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 Genesee 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

Genesee 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

366

+8.0% vs 2024

Multifamily · 2025

78

−3.7% vs 2024

Total authorized · 2025

444

+5.7% vs 2024

Permit valuation · 2025

$127.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K1990199219941996199820002002200420062008201020122014201620182020202220242025444 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 Genesee County, showing population movement and wealth transfer.

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

inflow2223Oakland County, MI1,5362,565$101.7M
outflow2223Oakland County, MI1,3442,062$80.0M
outflow2223Other flows - South, DS1,0421,871$63.5M
inflow2223Other flows - South, DS9701,649$51.6M
inflow2223Livingston County, MI553944$35.8M
inflow2223Lapeer County, MI493829$23.0M
outflow2223Lapeer County, MI422744$24.1M
outflow2223Livingston County, MI419712$29.7M
inflow2223Saginaw County, MI414654$17.5M
outflow2223Saginaw County, MI405720$18.5M
inflow2223Other flows - Midwest, DS387663$21.0M
outflow2223Other flows - Midwest, DS385639$19.9M
inflow2223Wayne County, MI375658$17.9M
inflow2223Macomb County, MI349584$23.2M
outflow2223Wayne County, MI345514$15.6M
inflow2223Shiawassee County, MI330556$14.0M
outflow2223Shiawassee County, MI328579$16.0M
inflow2223Other flows - West, DS309527$20.2M
outflow2223Macomb County, MI250383$12.7M
outflow2223Other flows - West, DS250367$14.8M
outflow2223Tuscola County, MI217398$9.2M
outflow2223Ingham County, MI209310$8.6M
inflow2223Tuscola County, MI180339$8.3M
inflow2223Ingham County, MI176267$7.6M
outflow2223Other flows - Northeast, DS172247$10.1M
outflow2223Kent County, MI158236$8.1M
inflow2223Other flows - Northeast, DS155223$8.3M
outflow2223Washtenaw County, MI154217$8.0M
inflow2223Kent County, MI117201$5.4M
inflow2223Washtenaw County, MI113167$6.8M
inflow2223Bay County, MI97141$4.7M
outflow2223Bay County, MI84140$3.6M
inflow2223Maricopa County, AZ79132$3.8M
inflow2223St. Clair County, MI64103$2.9M
outflow2223Maricopa County, AZ6099$5.5M
inflow2223Miami-Dade County, FL5792$1.5M
outflow2223Cook County, IL5669$2.7M
outflow2223Ottawa County, MI5580$3.7M
outflow2223Isabella County, MI5474$2.0M
outflow2223Tarrant County, TX53105$2.0M
outflow2223St. Clair County, MI5182$2.3M
inflow2223Midland County, MI4769$2.8M
outflow2223Roscommon County, MI4682$2.9M
outflow2223Grand Traverse County, MI4671$3.0M
outflow2223Clinton County, MI4663$2.4M
inflow2223Eaton County, MI4564$2.1M
inflow2223Clinton County, MI4569$2.1M
outflow2223Eaton County, MI4469$2.3M
outflow2223Foreign - Other flows, FR4276$4.6M
inflow2223Tarrant County, TX4278$1.2M
outflow2223Lee County, FL4175$3.4M
outflow2223Kalamazoo County, MI4160$1.8M
inflow2223Roscommon County, MI4064$1.8M
inflow2223Jackson County, MI3962$2.1M
inflow2223Gladwin County, MI3867$1.2M
outflow2223Iosco County, MI3864$1.8M
inflow2223Lee County, FL3861$2.0M
outflow2223Clare County, MI3758$1.6M
outflow2223Gladwin County, MI3669$2.7M
outflow2223Midland County, MI3558$1.4M
inflow2223Iosco County, MI3556$1.5M
inflow2223Ottawa County, MI3450$1.8M
outflow2223Sarasota County, FL3257$4.3M
inflow2223Clark County, NV3249$1.0M
outflow2223Harris County, TX3151$883K
outflow2223Clark County, NV3165$1.8M
inflow2223Marion County, IN3064$949K
outflow2223Jackson County, MI3042$1.3M
outflow2223Dallas County, TX2947$1.1M
inflow2223Harris County, TX2946$1.0M
inflow2223Cook County, IL2841$2.4M
inflow2223Grand Traverse County, MI2847$1.7M
inflow2223Isabella County, MI2734$790K
inflow2223Sanilac County, MI2739$1.6M
inflow2223Lucas County, OH2644$824K
inflow2223Kalamazoo County, MI2642$1.2M
outflow2223Davidson County, TN2642$846K
inflow2223Dallas County, TX2551$787K
outflow2223Hillsborough County, FL2444$2.4M
outflow2223Miami-Dade County, FL2438$1.0M
inflow2223Clare County, MI2437$954K
outflow2223Los Angeles County, CA2427$1.1M
outflow2223Sanilac County, MI2446$925K
inflow2223Los Angeles County, CA2329$1.0M
inflow2223Gratiot County, MI2340$703K
outflow2223Lucas County, OH2338$1.7M
outflow2223Broward County, FL2337$1.9M
outflow2223Franklin County, OH2342$1.2M
outflow2223Pinellas County, FL2338$1.2M
outflow2223Ogemaw County, MI2341$1.6M
outflow2223Otsego County, MI2236$2.0M
inflow2223Huron County, MI2229$912K
inflow2223Manatee County, FL2133$1.1M
outflow2223Calhoun County, MI2134$1.7M
outflow2223King County, WA2133$2.6M
outflow2223Marion County, IN2132$964K
inflow2223Foreign - Other flows, FR2034$666K
outflow2223Fulton County, GA2031$1.5M
outflow2223Mecklenburg County, NC2029$938K
outflow2223Bexar County, TX2030$532K
inflow2223San Diego County, CA2033$1.7M
inflow2223Franklin County, OH2032$795K
outflow2223San Diego County, CA2024$796K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Oakland County, MI1,5652,633$106.0M
outflow2122Oakland County, MI1,2702,029$79.5M
outflow2122Other flows - South, DS1,0821,905$66.4M
inflow2122Other flows - South, DS8601,572$44.0M
inflow2122Livingston County, MI499853$32.3M
outflow2122Livingston County, MI476829$30.8M
inflow2122Lapeer County, MI469773$21.3M
outflow2122Saginaw County, MI458794$18.9M
outflow2122Lapeer County, MI432757$23.9M
outflow2122Other flows - Midwest, DS386704$21.6M
inflow2122Wayne County, MI379618$20.1M
inflow2122Other flows - Midwest, DS353628$20.1M
outflow2122Shiawassee County, MI344630$17.6M
inflow2122Saginaw County, MI342542$12.6M
inflow2122Macomb County, MI335572$21.6M
outflow2122Other flows - West, DS306455$15.7M
inflow2122Other flows - West, DS305514$17.9M
outflow2122Wayne County, MI298478$13.4M
inflow2122Shiawassee County, MI289490$12.6M
outflow2122Macomb County, MI265401$12.8M
outflow2122Tuscola County, MI205380$9.1M
outflow2122Ingham County, MI198284$9.2M
inflow2122Tuscola County, MI195328$7.4M
outflow2122Other flows - Northeast, DS164251$10.9M
inflow2122Other flows - Northeast, DS153254$10.3M
outflow2122Kent County, MI149221$12.5M
outflow2122Washtenaw County, MI131198$8.0M
inflow2122Washtenaw County, MI123162$6.5M
inflow2122Ingham County, MI118190$6.9M
inflow2122Kent County, MI106163$4.9M
outflow2122Bay County, MI86145$4.4M
inflow2122Bay County, MI82128$3.4M
outflow2122Maricopa County, AZ76135$3.1M
inflow2122Maricopa County, AZ73132$3.2M
outflow2122Cook County, IL7395$4.0M
inflow2122St. Clair County, MI66117$4.6M
outflow2122Midland County, MI5992$2.8M
outflow2122St. Clair County, MI5999$2.2M
outflow2122Iosco County, MI5888$3.0M
inflow2122Miami-Dade County, FL5681$1.4M
outflow2122Tarrant County, TX52120$1.4M
outflow2122Roscommon County, MI5191$2.5M
inflow2122Midland County, MI5083$2.4M
outflow2122Kalamazoo County, MI4658$2.0M
inflow2122Cook County, IL4672$3.5M
outflow2122Clare County, MI4571$2.0M
inflow2122Clinton County, MI4571$1.9M
outflow2122Lee County, FL4265$6.0M
outflow2122Ottawa County, MI4258$2.5M
inflow2122Ottawa County, MI4158$2.2M
outflow2122Eaton County, MI4166$2.1M
outflow2122Huron County, MI4074$2.2M
inflow2122Isabella County, MI4055$1.5M
outflow2122Ogemaw County, MI4074$2.1M
outflow2122Grand Traverse County, MI3971$3.2M
inflow2122Kalamazoo County, MI3958$1.5M
inflow2122Eaton County, MI3857$2.0M
outflow2122Jackson County, MI3853$1.5M
outflow2122Harris County, TX3763$2.4M
outflow2122Clinton County, MI3746$2.3M
outflow2122Lucas County, OH3660$1.8M
outflow2122Dallas County, TX3657$1.6M
inflow2122Jackson County, MI3555$1.4M
inflow2122Iosco County, MI3247$1.8M
outflow2122Gladwin County, MI3147$2.6M
outflow2122Miami-Dade County, FL3144$895K
inflow2122Tarrant County, TX3171$1.9M
inflow2122Grand Traverse County, MI3149$1.5M
inflow2122Sanilac County, MI3053$1.2M
inflow2122Gladwin County, MI2950$1.9M
inflow2122Clark County, NV2963$1.6M
inflow2122Lee County, FL2951$2.7M
outflow2122Isabella County, MI2837$777K
outflow2122Los Angeles County, CA2834$908K
inflow2122Los Angeles County, CA2840$1.7M
outflow2122Manatee County, FL2752$6.1M
outflow2122Arenac County, MI2746$1.4M
outflow2122Polk County, FL2641$1.4M
outflow2122Pinellas County, FL2638$1.4M
outflow2122Hillsborough County, FL2636$1.5M
inflow2122Clare County, MI2648$672K
inflow2122Ogemaw County, MI2644$927K
outflow2122Sarasota County, FL2641$2.5M
outflow2122Oscoda County, MI2541$1.4M
inflow2122Harris County, TX2547$776K
inflow2122San Diego County, CA2450$2.2M
inflow2122Hillsborough County, FL2343$864K
outflow2122Sanilac County, MI2342$975K
outflow2122Marion County, IN2337$529K
inflow2122Dallas County, TX2349$1.2M
outflow2122Cuyahoga County, OH2233$1.2M
outflow2122Fulton County, GA2236$1.1M
inflow2122Sarasota County, FL2231$1.4M
inflow2122Huron County, MI2237$887K
inflow2122Franklin County, OH2245$1.6M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Genesee County.

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

2023PurchaseNo CharacteristicAll Appraisals2,440.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals859.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals3,299.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals210,000.0
2023BothNo CharacteristicAll Appraisals204,000.0
2023PurchaseNo CharacteristicAll Appraisals200,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals200,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals201,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,705.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals200,000.0
2022BothNo CharacteristicAll Appraisals4,587.0
2022PurchaseNo CharacteristicAll Appraisals2,882.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals200,000.0
2021BothNo CharacteristicAll Appraisals7,738.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals3,516.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals4,222.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals198,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals195,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals7,406.0
2020PurchaseNo CharacteristicAll Appraisals3,162.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals190,300.0
2020RefinanceNo CharacteristicAll Appraisals205,000.0
2020RefinanceNo CharacteristicAll Appraisals4,244.0
2020PurchaseNo CharacteristicAll Appraisals176,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals170,000.0
2019PurchaseNo CharacteristicAll Appraisals2,784.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals180,000.0
2019BothNo CharacteristicAll Appraisals5,440.0
2019RefinanceNo CharacteristicAll Appraisals2,656.0
2019PurchaseNo CharacteristicAll Appraisals160,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals165,000.0
2018BothNo CharacteristicAll Appraisals4,735.0
2018PurchaseNo CharacteristicAll Appraisals2,868.0
2018RefinanceNo CharacteristicAll Appraisals1,867.0
2018BothNo CharacteristicAll Appraisals160,000.0
2018PurchaseNo CharacteristicAll Appraisals156,800.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals160,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals4,722.0
2017PurchaseNo CharacteristicAll Appraisals2,569.0
2017PurchaseNo CharacteristicAll Appraisals153,000.0
2017RefinanceNo CharacteristicAll Appraisals2,153.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals156,000.0
2016PurchaseNo CharacteristicAll Appraisals2,280.0
2016RefinanceNo CharacteristicAll Appraisals174,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals149,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals4,711.0
2016RefinanceNo CharacteristicAll Appraisals2,431.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals140,500.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals160,000.0
2015BothNo CharacteristicAll Appraisals4,000.0
2015RefinanceNo CharacteristicAll Appraisals2,028.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,972.0
2015BothNo CharacteristicAll Appraisals151,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals140,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05179,795168,91010,8856.1%
2026-04178,836168,76510,0715.6%
2026-03182,364171,21211,1526.1%
2026-02183,245171,79011,4556.3%
2026-01185,339168,85416,4858.9%
2025-12183,702173,03010,6725.8%
2025-11186,374176,26810,1065.4%
2025-09189,593178,89610,6975.6%
2025-08190,893178,85812,0356.3%
2025-07192,758178,93213,8267.2%
2025-06191,628179,04912,5796.6%
2025-05192,333180,30612,0276.3%
2025-04191,169179,36411,8056.2%
2025-03190,630177,77812,8526.7%
2025-02190,073176,47513,5987.2%
2025-01190,229177,08713,1426.9%
2024-12190,190178,89911,2915.9%
2024-11191,641181,28310,3585.4%
2024-10189,434179,11810,3165.4%
2024-09190,123179,81710,3065.4%
2024-08191,395179,59711,7986.2%
2024-07193,532180,62812,9046.7%
2024-06192,345180,49611,8496.2%
2024-05191,515181,42110,0945.3%
2024-04188,474178,9129,5625.1%
2024-03188,400178,32710,0735.3%
2024-02186,491176,19510,2965.5%
2024-01185,628175,9839,6455.2%
2023-12185,326177,2308,0964.4%
2023-11188,634181,1997,4353.9%
2023-10185,317176,9798,3384.5%
2023-09186,297177,9108,3874.5%
2023-08188,398178,8739,5255.1%
2023-07189,215179,15810,0575.3%
2023-06189,374179,6959,6795.1%
2023-05189,649180,5709,0794.8%
2023-04186,745178,7008,0454.3%
2023-03185,250175,3159,9355.4%
2023-02184,132173,67510,4575.7%
2023-01183,871173,44210,4295.7%
2022-12182,337173,7398,5984.7%
2022-11183,036174,9288,1084.4%
2022-10181,386172,8418,5454.7%
2022-09181,680173,2298,4514.7%
2022-08184,003173,88110,1225.5%
2022-07182,361171,52010,8415.9%
2022-06181,910171,58610,3245.7%
2022-05182,347172,8019,5465.2%
2022-04179,835170,5539,2825.2%
2022-03180,027170,0739,9545.5%
2022-02178,154167,53610,6186.0%
2022-01178,417166,93611,4816.4%
2021-12177,048168,0628,9865.1%
2021-11178,150169,7378,4134.7%
2021-10176,030166,2939,7375.5%
2021-09176,145164,94211,2036.4%
2021-08176,310160,30616,0049.1%
2021-07178,462164,28614,1767.9%
2021-06179,894165,32014,5748.1%
2021-05178,258164,74913,5097.6%
2021-04175,402162,47512,9277.4%
2021-03177,619164,29913,3207.5%
2021-02177,860163,94813,9127.8%
2021-01177,464162,89514,5698.2%
2020-12178,237164,62413,6137.6%
2020-11181,599169,25712,3426.8%
2020-10180,967167,72813,2397.3%
2020-09183,661166,44617,2159.4%
2020-08188,189167,90220,28710.8%
2020-07190,501164,01826,48313.9%
2020-06196,095165,97430,12115.4%
2020-05178,747139,52039,22721.9%
2020-04174,806123,43851,36829.4%
2020-03181,545171,8329,7135.4%
2020-02184,138176,1597,9794.3%
2020-01183,779174,9718,8084.8%
2019-12184,286176,8587,4284.0%
2019-11185,500178,6436,8573.7%
2019-10182,948174,4018,5474.7%
2019-09182,007174,4717,5364.1%
2019-08184,761175,6899,0724.9%
2019-07185,494174,52410,9705.9%
2019-06185,716175,54610,1705.5%
2019-05182,798172,08410,7145.9%
2019-04182,511174,2328,2794.5%
2019-03182,537172,5589,9795.5%
2019-02182,373172,6329,7415.3%
2019-01181,957171,89410,0635.5%
2018-12182,514174,1998,3154.6%
2018-11183,266176,2517,0153.8%
2018-10181,346174,0127,3344.0%
2018-09180,577173,0517,5264.2%
2018-08181,507173,2418,2664.6%
2018-07184,485173,48610,9996.0%
2018-06184,802175,5559,2475.0%
2018-05183,369175,1178,2524.5%
2018-04182,088173,4478,6414.7%
2018-03182,796172,74210,0545.5%
2018-02182,585171,86010,7255.9%
2018-01181,560170,64010,9206.0%

BEA Personal Income

2024$21.56B402,279$54K
2023$21.23B401,711$53K
2022$19.58B402,031$49K
2021$19.60B404,713$48K
2020$18.44B405,793$45K
2019$16.94B406,597$42K
2018$16.36B407,424$40K
2017$15.81B408,374$39K
2016$15.45B409,659$38K
2015$15.11B411,082$37K
2014$14.44B413,362$35K
2013$14.08B416,028$34K
2012$13.90B418,460$33K
2011$13.55B422,183$32K
2010$13.00B424,983$31K
2009$12.67B427,989$30K
2008$13.19B433,082$30K
2007$13.01B438,109$30K
2006$12.87B441,164$29K
2005$12.50B442,508$28K
2004$12.33B442,534$28K
2003$12.11B441,689$27K
2002$11.74B440,062$27K
2001$11.65B438,584$27K
2000$11.70B436,965$27K
1999$11.13B434,409$26K
1998$10.81B433,160$25K
1997$10.46B432,978$24K
1996$10.35B433,302$24K
1995$9.92B432,261$23K
1994$9.41B430,742$22K
1993$8.53B430,702$20K
1992$8.18B430,944$19K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-04-07$2K$0$2KYes
2026-04-05$17K$17K$0Yes
2026-04-05$0——Yes
2026-04-05$15K$15K$871.04Yes
2026-04-05$39K$39K$0No
2026-04-05$63K$52K$10KYes
2026-04-05$0——Yes
2026-04-04$13K$13K$0Yes
2026-04-04$4K$4K$0Yes
2026-04-04$10K$10K$0Yes
2026-04-04$6K$6K$0Yes
2026-04-04$8K$8K$0No
2026-04-03$0——Yes
2026-04-03$18K$18K$0Yes
2025-08-01$0$0$0Yes
2024-07-10$42K$42K$0No
2024-07-10$10K$10K$0Yes
2024-07-10$16K$16K$334.7Yes
2024-07-10$0$0$0Yes
2024-07-10$17K$17K$0Yes
2024-05-28$5K$5K$0Yes
2024-04-12$0——Yes
2024-01-25$3K$3K$0Yes
2023-08-25$15K$15K$0Yes
2023-08-11$68K$68K$0No
2023-07-13$10K$10K$0No
2023-04-28$2K$2K$0Yes
2023-04-04$0——Yes
2023-04-01$0$0$0Yes
2022-02-21$0——Yes
2022-02-17$5K$4K$824.88Yes
2021-10-04$4K$4K$0Yes
2021-06-29$4K$4K$0Yes
2020-07-10$0$0$0Yes
2020-01-11$3K$3K$0Yes
2020-01-11$148K$0$148KNo
2019-02-02$0——Yes
2018-02-21$10K$10K$0Yes
2018-02-21$634.17$634.17$0No
2018-02-21$6K$2K$4KYes
2018-02-21$224.57$224.57$0No
2018-02-21$177K$37K$141KNo
2018-02-20$13K$13K$0Yes
2018-02-20$0——Yes
2018-02-20$8K$8K$0Yes
2018-02-20$18K$18K$0Yes
2018-02-20$200K$200K$0Yes
2018-02-19$142K$110K$32KNo
2017-04-06$2K$2K$0Yes
2017-04-06$6K$4K$2KYes
2017-01-11$3K$3K$0Yes
2016-03-28$0——Yes
2016-02-28$0——Yes
2015-07-15$0——Yes
2014-05-14$9K$9K$0Yes
2014-05-13$48K$35K$13KNo
2014-05-10$5K$1K$3KYes
2014-01-10$0——Yes
2013-07-02$2K$2K$0Yes
2013-07-01$0——Yes
2013-06-27$59K$28K$31KYes
2013-04-11$0——Yes
2012-05-04$7K$7K$0Yes
2012-05-04$10K$10K$0Yes
2012-05-04$5K$5K$0No
2012-05-04$8K$8K$0No
2012-05-04$7K$7K$0No
2012-05-04$5K$5K$0No
2012-05-04$0——No
2012-05-04$42K$37K$5KYes
2012-05-04$9K$9K$0Yes
2012-05-04$6K$6K$0No
2012-05-04$0——No
2012-05-04$5K$5K$0Yes
2012-05-04$2K$2K$0No
2012-05-04$11K$9K$3KYes
2012-05-04$8K$10K$0No
2012-05-04$784.12$784.12$0No
2012-05-04$0——Yes
2012-05-04$4K$4K$0No
2012-05-04$155K$155K$0No
2012-05-04$0——Yes
2012-05-04$2K$2K$0No
2012-05-04$8K$8K$0Yes
2012-05-04$4K$4K$0Yes
2012-05-04$5K$5K$0No
2012-05-04$3K$3K$0No
2012-05-04$0——No
2012-05-04$8K$8K$0Yes
2012-05-04$1K$1K$0Yes
2012-05-04$7K$7K$0No
2012-05-04$2K$2K$0No
2012-05-04$4K$4K$0No
2012-05-04$5K$5K$0Yes
2012-05-04$0——Yes
2012-05-04$10K$10K$0No
2012-05-04$0——Yes
2012-05-04$3K$3K$0No
2012-05-04$630.27$630.27$0Yes
2012-05-04$12K$12K$0No

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN GENESEE COUNTY →Opens the loan explorer already filtered to county FIPS 26049.

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