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MortRadarTERMINAL
State markets/Michigan/Oakland County

COUNTY MORTGAGE MARKET · FIPS 26125

Oakland County, Michigan

Who lends in Oakland 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

$10.70B

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

Originations · 2025

31,668

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

Denial rate · 2025

16.5%

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

Lenders active · 2025

535

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

Concentration (HHI)

540

unconcentrated

Top-5 lender share

43.7%

of originations

Purchase

57.4%

14,478 loans

Refinance

42.6%

10,740 loans

Origination trend

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

Lenders in Oakland 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 Oakland 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 OAKLAND COUNTY →

TOP TEN LENDERS IN OAKLAND 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.

4,594$1.56B$1.56B originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
478$1.30B$1.30B originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3,915$1.03B$1.03B originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,031$432.6M$432.6M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,096$358.7M$358.7M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,324$341.2M$341.2M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
652$288.8M$288.8M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
698$253.5M$253.5M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
632$238.3M$238.3M originated in Oakland County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
980$229.6M$229.6M originated in Oakland 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 Oakland County

All 71 ZIP Code Tabulation Areas that touch Oakland 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.
71 OF 71 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 14 Oakland County tracts this ZIP area touches sit mostly inside it.42,23130.2%11,206——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.34,31734.6%10,116——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 12 Oakland County tracts this ZIP area touches sit mostly inside it.33,54733.4%9,683——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Oakland County tracts this ZIP area touches sit mostly inside it.33,41816.0%10,351——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.31,65521.0%9,934——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.31,36824.3%9,769——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.29,56063.7%6,615——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.28,46824.0%8,444——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.26,89024.7%8,056——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.26,78436.9%6,638——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.26,46872.8%7,005——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.26,45417.9%8,455——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.25,75716.1%9,013——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.25,35445.1%6,854——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Oakland County tracts this ZIP area touches sit mostly inside it.24,79314.2%8,505——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.23,91457.7%4,093——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.23,79732.9%7,249——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.23,09814.7%7,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.22,92080.9%5,041——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.22,58933.9%6,730——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.22,41912.3%7,011——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 12 Oakland County tracts this ZIP area touches sit mostly inside it.21,98043.7%4,567——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.21,93620.2%7,352——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.21,81714.8%6,613——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.21,56427.0%7,016——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Oakland County tracts this ZIP area touches sit mostly inside it.21,07811.4%6,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.21,06670.1%3,501——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.20,94315.4%5,952——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.20,84348.5%4,509——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.20,67430.3%4,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.20,37784.3%3,025——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Oakland County tracts this ZIP area touches sit mostly inside it.20,37111.3%6,697——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Oakland County tracts this ZIP area touches sit mostly inside it.20,16375.4%3,697——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Oakland County tracts this ZIP area touches sit mostly inside it.19,69141.9%3,879——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Oakland County tracts this ZIP area touches sit mostly inside it.19,64142.5%4,867——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Oakland County tracts this ZIP area touches sit mostly inside it.19,36210.6%6,052——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.19,02911.5%6,566——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.18,44811.2%6,839——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.18,20519.5%5,610——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.18,10417.3%5,908——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Oakland County tracts this ZIP area touches sit mostly inside it.16,70081.5%3,537——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.15,87035.9%5,191——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.15,80522.1%5,109——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.15,42611.9%5,363——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.15,19411.8%5,843——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Oakland County tracts this ZIP area touches sit mostly inside it.14,98326.0%3,955——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.14,88618.2%5,274——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 12 Oakland County tracts this ZIP area touches sit mostly inside it.14,79926.7%4,615——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Oakland County tracts this ZIP area touches sit mostly inside it.14,76338.7%3,611——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.14,61881.5%1,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.12,9477.9%4,658——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.12,86711.0%4,122——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 11 Oakland County tracts this ZIP area touches sit mostly inside it.12,64624.7%3,904——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.12,61221.4%3,459——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Oakland County tracts this ZIP area touches sit mostly inside it.12,01211.2%3,560——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.11,92111.5%3,736——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Oakland County tracts this ZIP area touches sit mostly inside it.11,91918.0%2,787——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Oakland County tracts this ZIP area touches sit mostly inside it.11,38911.9%4,465——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.10,16821.5%3,165——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Oakland County tracts this ZIP area touches sit mostly inside it.6,3888.0%2,248——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Oakland County tracts this ZIP area touches sit mostly inside it.6,2258.2%2,058——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Oakland County tracts this ZIP area touches sit mostly inside it.5,04315.1%1,648——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Oakland County tracts this ZIP area touches sit mostly inside it.4,48717.9%1,717——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Oakland County tracts this ZIP area touches sit mostly inside it.4,22310.1%1,476——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Oakland County tracts this ZIP area touches sit mostly inside it.3,78610.2%1,166——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oakland County tracts this ZIP area touches sit mostly inside it.3,2847.2%1,042——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Oakland County tracts this ZIP area touches sit mostly inside it.2,97210.8%1,013——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Oakland County tract this ZIP area touches sit mostly inside it.2,62711.1%1,136——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Oakland 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 Oakland 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 Oakland 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.

350 of Oakland County’s 350 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 Oakland County

All 350 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.

350 OF 350 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle118.6%2,97210.8%OPEN →
Middle114.0%3,2847.2%OPEN →
Moderate68.0%3,97715.2%OPEN →
Upper132.2%4,86212.7%OPEN →
Middle105.0%3,49211.7%OPEN →
Middle112.3%5,19410.2%OPEN →
Upper129.2%4,89412.3%OPEN →
Middle101.3%3,7079.8%OPEN →
Middle112.5%6,83613.4%OPEN →
Middle82.9%3,08010.6%OPEN →
Middle96.4%1,7619.8%OPEN →
Middle108.0%2,84811.5%OPEN →
Upper128.5%3,0649.4%OPEN →
Middle107.7%6,04512.2%OPEN →
Moderate73.2%5,99711.6%OPEN →
Middle92.0%3,43010.9%OPEN →
Middle108.6%2,75810.1%OPEN →
Upper134.2%2,6919.8%OPEN →
Middle118.7%5,15212.9%OPEN →
Middle102.4%3,75610.3%OPEN →
Upper120.7%3,1049.4%OPEN →
Upper121.8%5,8819.6%OPEN →
Upper157.1%5,7149.8%OPEN →
Upper143.9%1,6818.2%OPEN →
Middle99.3%4,71812.5%OPEN →
Middle97.9%1,61312.1%OPEN →
Middle94.0%6,62715.2%OPEN →
Upper173.7%5,07613.0%OPEN →
Middle91.5%6,30420.6%OPEN →
Middle109.5%3,19312.9%OPEN →
Upper131.7%2,69710.8%OPEN →
Upper147.8%3,16913.3%OPEN →
Upper120.9%4,49517.1%OPEN →
Middle95.3%3,97626.8%OPEN →
Middle102.5%3,03812.3%OPEN →
Upper161.6%3,53811.4%OPEN →
Upper173.7%2,12015.5%OPEN →
Middle113.5%1,69720.9%OPEN →
Upper153.1%7,32326.6%OPEN →
Upper135.5%2,96012.2%OPEN →
Middle103.1%3,42814.5%OPEN →
Upper120.4%2,45210.8%OPEN →
Middle93.3%5,3969.8%OPEN →
Upper125.0%4,07314.2%OPEN →
Middle115.8%2,87311.4%OPEN →
Middle109.9%2,9778.6%OPEN →
Middle86.5%3,05610.3%OPEN →
Middle97.3%6,69511.8%OPEN →
Middle88.5%2,2058.8%OPEN →
Upper125.4%4,7968.2%OPEN →
Middle98.1%2,2198.8%OPEN →
Upper120.6%3,7276.5%OPEN →
Middle101.3%2,4567.8%OPEN →
Middle86.4%3,7698.4%OPEN →
Upper126.4%6,34712.5%OPEN →
Middle114.3%3,5319.3%OPEN →
Upper166.1%4,22310.1%OPEN →
Upper136.9%2,9899.6%OPEN →
Upper146.1%2,80714.0%OPEN →
Upper124.0%3,72812.8%OPEN →
Middle101.0%3,99130.5%OPEN →
Low49.5%4,74953.9%OPEN →
Low33.0%1,91843.3%OPEN →
Upper122.2%4,98711.5%OPEN →
Middle104.6%4,95512.3%OPEN →
Middle116.5%4,70111.0%OPEN →
Upper120.8%3,63215.7%OPEN →
Middle117.7%4,01910.7%OPEN →
Moderate72.1%3,25522.6%OPEN →
Middle98.7%3,08323.9%OPEN →
Middle81.4%3,99519.5%OPEN →
Moderate67.2%3,48122.7%OPEN →
Upper151.3%5,50210.5%OPEN →
Upper135.3%3,51525.3%OPEN →
Upper186.2%5,18112.4%OPEN →
Middle81.8%3,33346.7%OPEN →
Upper143.7%5,67452.8%OPEN →
Moderate70.6%4,38641.5%OPEN →
Upper122.0%5,22243.8%OPEN →
Middle116.2%5,65043.9%OPEN →
Middle106.1%4,90453.1%OPEN →
Upper141.9%3,57450.5%OPEN →
Upper134.5%6,00437.6%OPEN →
Middle82.2%6,29829.9%OPEN →
Upper153.1%4,16046.1%OPEN →
Upper171.7%8,32749.4%OPEN →
Upper210.9%7,15432.4%OPEN →
Middle114.8%1,71715.8%OPEN →
Upper163.5%3,32614.8%OPEN →
Upper169.2%6,70419.8%OPEN →
Middle112.7%4,49215.7%OPEN →
Upper142.8%8,36618.0%OPEN →
Upper171.0%3,55317.9%OPEN →
Upper140.5%3,87711.2%OPEN →
Middle83.4%2,88311.9%OPEN →
Upper131.6%5,14211.4%OPEN →
Middle105.8%1,60531.3%OPEN →
Middle89.0%4,12150.3%OPEN →
Middle111.9%3,82034.2%OPEN →
Middle88.7%2,49737.9%OPEN →
Moderate78.8%2,42053.8%OPEN →
Middle83.4%2,76539.7%OPEN →
Middle99.6%4,65549.8%OPEN →
Middle85.9%4,24769.5%OPEN →
Low29.9%2,97467.1%OPEN →
Moderate61.4%2,66875.6%OPEN →
Moderate53.6%3,14360.7%OPEN →
Low27.7%3,44478.4%OPEN →
Low34.8%4,11363.0%OPEN →
Middle80.0%4,72475.3%OPEN →
Moderate52.6%6,24386.7%OPEN →
Moderate57.9%4,47378.2%OPEN →
Low28.8%3,19875.7%OPEN →
Moderate65.3%2,49971.6%OPEN →
Low41.7%1,64176.0%OPEN →
Low34.6%2,99189.0%OPEN →
Low35.6%2,29887.5%OPEN →
Low36.4%3,47291.8%OPEN →
Moderate72.2%1,89981.3%OPEN →
Moderate71.8%3,54254.4%OPEN →
Low48.8%4,03792.6%OPEN →
Middle95.7%5,72415.5%OPEN →
Middle94.9%4,11718.3%OPEN →
Middle93.9%4,34114.9%OPEN →
Middle94.5%3,64412.5%OPEN →
Middle87.2%4,95318.1%OPEN →
Middle114.0%2,97817.1%OPEN →
Upper124.2%3,89115.8%OPEN →
Moderate56.1%3,15834.8%OPEN →
Moderate72.8%2,57724.1%OPEN →
Moderate58.6%4,06825.4%OPEN →
Middle90.6%2,16312.8%OPEN →
Moderate79.8%3,55621.2%OPEN →
Middle80.1%4,22516.7%OPEN →
Middle97.0%4,15028.6%OPEN →
Middle97.2%3,49018.0%OPEN →
Moderate69.5%3,85520.3%OPEN →
Middle112.4%4,62918.1%OPEN →
Moderate72.2%2,62222.3%OPEN →
Moderate51.1%2,71139.6%OPEN →
Upper147.3%5,33832.0%OPEN →
Middle110.0%3,57330.3%OPEN →
Upper269.1%2,82128.1%OPEN →
Upper187.3%5,42225.3%OPEN →
Upper187.5%2,93422.4%OPEN →
Upper184.3%3,07313.1%OPEN →
Upper205.1%2,98323.7%OPEN →
Upper200.0%4,59818.3%OPEN →
Upper168.3%4,34420.9%OPEN →
Upper162.9%3,69122.1%OPEN →
Upper265.6%5,47110.5%OPEN →
Upper203.7%4,46016.2%OPEN →
Upper270.5%3,96611.5%OPEN →
Upper177.8%3,11014.1%OPEN →
Upper137.9%4,32417.4%OPEN →
Upper131.7%2,30116.0%OPEN →
Upper240.7%2,30913.1%OPEN →
Upper270.5%1,95212.8%OPEN →
Upper234.4%3,85517.1%OPEN →
Upper140.4%1,72312.0%OPEN →
Upper132.9%2,76115.2%OPEN →
Middle83.7%2,76421.5%OPEN →
Upper237.1%2,23820.3%OPEN →
Upper156.4%2,82326.5%OPEN →
Upper132.7%2,71019.9%OPEN →
Upper154.8%4,48223.8%OPEN →
Upper140.3%6,92217.3%OPEN →
Upper134.0%4,11824.6%OPEN →
Upper169.4%4,03020.1%OPEN →
Upper147.9%4,49829.0%OPEN →
Upper129.9%3,15234.9%OPEN →
Upper145.1%2,32423.5%OPEN →
Upper146.4%1,90733.7%OPEN →
Moderate77.9%3,79930.0%OPEN →
Upper130.0%3,31733.4%OPEN →
Upper130.3%2,54726.1%OPEN →
Middle88.1%3,03732.9%OPEN →
Middle111.4%4,53134.3%OPEN →
Upper143.8%2,62836.4%OPEN →
Upper183.8%3,55144.5%OPEN →
Upper169.4%2,75432.7%OPEN →
Upper188.3%3,84415.9%OPEN →
Upper176.2%3,32421.8%OPEN →
Upper143.6%3,43113.8%OPEN →
Upper191.9%4,28721.0%OPEN →
Upper122.6%4,08869.8%OPEN →
Low35.9%3,34680.3%OPEN →
Low48.9%2,86589.0%OPEN →
Moderate69.7%4,26563.0%OPEN →
Middle104.6%4,80567.8%OPEN →
Upper127.2%1,61578.9%OPEN →
Middle118.7%4,02576.5%OPEN →
Middle82.2%4,38282.2%OPEN →
Moderate65.1%2,11986.8%OPEN →
Middle92.5%3,93081.2%OPEN →
Middle108.6%5,00584.9%OPEN →
Moderate68.0%3,69368.9%OPEN →
Middle103.5%3,92353.0%OPEN →
Middle94.7%1,89185.9%OPEN →
Moderate79.0%2,99780.3%OPEN →
Middle94.8%2,76878.9%OPEN →
Moderate67.1%4,22287.0%OPEN →
Middle104.5%2,38479.4%OPEN →
Middle80.3%4,06375.7%OPEN →
Moderate65.6%3,50497.7%OPEN →
Moderate56.1%1,21995.8%OPEN →
Moderate80.0%3,90892.5%OPEN →
Moderate71.0%2,02881.8%OPEN →
Middle80.4%3,66174.5%OPEN →
Middle102.5%3,00423.6%OPEN →
Middle117.1%4,27124.8%OPEN →
Middle103.6%4,32267.7%OPEN →
Upper139.3%2,48933.0%OPEN →
Middle118.2%3,32936.6%OPEN →
Upper133.3%2,93720.5%OPEN →
Upper149.5%3,34627.6%OPEN →
Upper126.2%2,95828.7%OPEN →
Middle88.5%3,49446.9%OPEN →
Upper140.5%2,49347.5%OPEN →
Upper153.1%3,41243.6%OPEN →
Middle110.7%3,52933.0%OPEN →
Upper144.7%5,53436.9%OPEN →
Moderate72.2%3,72334.7%OPEN →
Middle88.7%5,05439.6%OPEN →
Moderate73.4%5,79036.9%OPEN →
Upper124.6%4,97838.9%OPEN →
Upper140.9%2,87935.1%OPEN →
Upper165.9%2,37534.1%OPEN →
Upper168.6%3,74239.8%OPEN →
Middle100.4%2,77645.7%OPEN →
Upper180.6%2,73454.5%OPEN →
Moderate72.8%3,66438.5%OPEN →
Upper157.9%3,66046.9%OPEN →
Upper175.1%2,41427.3%OPEN →
Middle111.9%4,12184.0%OPEN →
Low45.5%2,55569.0%OPEN →
Upper125.3%2,55310.1%OPEN →
Middle110.3%2,80611.8%OPEN →
Upper123.9%3,38012.1%OPEN →
Middle117.9%2,66312.7%OPEN →
Middle108.3%3,79211.8%OPEN →
Middle91.4%5,05625.6%OPEN →
Middle109.8%3,37056.2%OPEN →
Middle91.3%2,23539.1%OPEN →
Moderate70.7%2,99482.3%OPEN →
Moderate62.6%6,44171.4%OPEN →
Moderate59.2%4,89695.2%OPEN →
Low41.3%2,42460.4%OPEN →
Low34.3%2,14474.2%OPEN →
Low43.9%2,37495.2%OPEN →
Moderate79.0%4,33317.7%OPEN →
Upper140.3%1,58013.7%OPEN →
Upper130.0%2,68014.3%OPEN →
Middle116.7%1,47921.4%OPEN →
Upper146.5%5,07220.5%OPEN →
Middle99.5%2,66319.9%OPEN →
Moderate69.1%1,38321.9%OPEN →
Moderate71.5%2,78020.9%OPEN →
Moderate63.5%4,49425.5%OPEN →
Low42.5%3,82127.0%OPEN →
Moderate53.8%3,88829.3%OPEN →
Upper124.9%2,53212.8%OPEN →
Middle93.2%2,75412.2%OPEN →
Middle116.5%3,36512.3%OPEN →
Middle91.0%2,73810.4%OPEN →
Low49.1%3,41050.9%OPEN →
Middle107.4%2,82815.6%OPEN →
Moderate72.5%6,42521.1%OPEN →
Moderate69.5%5,52120.5%OPEN →
Moderate67.2%2,84718.8%OPEN →
Moderate54.3%2,33818.6%OPEN →
Moderate73.6%5,09923.3%OPEN →
Middle109.5%3,71521.5%OPEN →
Middle112.5%4,48013.2%OPEN →
Middle95.3%3,36416.0%OPEN →
Middle82.8%2,96414.8%OPEN →
Upper146.8%2,49814.0%OPEN →
Moderate61.1%2,06426.3%OPEN →
Upper157.5%4,35615.5%OPEN →
Upper128.0%5,37913.4%OPEN →
Upper133.1%4,59815.3%OPEN →
Upper120.4%2,35612.9%OPEN →
Upper158.6%2,95912.6%OPEN →
Upper144.2%2,86713.8%OPEN →
Upper147.1%4,17415.4%OPEN →
Upper130.2%2,80913.2%OPEN →
Upper132.3%2,63015.6%OPEN →
Upper145.2%2,35814.8%OPEN →
Upper122.6%3,08015.4%OPEN →
Middle103.7%1,56013.3%OPEN →
Upper181.8%2,62711.1%OPEN →
Upper179.4%3,8819.2%OPEN →
Upper163.7%2,5076.2%OPEN →
Upper171.6%4,74614.3%OPEN →
Upper157.6%3,78610.2%OPEN →
Upper172.6%2,63315.0%OPEN →
Upper206.6%5,20527.9%OPEN →
Upper219.8%3,69720.6%OPEN →
Upper145.9%1,76514.2%OPEN →
Middle91.4%2,47920.0%OPEN →
Upper127.0%4,69018.9%OPEN →
Upper186.3%4,10121.5%OPEN →
Upper133.5%6,18619.3%OPEN →
Upper183.9%6,05921.1%OPEN →
Upper133.7%4,98417.0%OPEN →
Upper207.0%3,12928.6%OPEN →
Upper138.1%3,20229.8%OPEN →
Middle115.7%3,26619.5%OPEN →
Upper139.4%3,85922.9%OPEN →
Middle101.2%4,81234.7%OPEN →
Upper136.5%4,56430.2%OPEN →
Middle82.1%3,48733.4%OPEN →
Middle117.5%2,74422.9%OPEN →
Middle114.4%4,71831.2%OPEN →
Middle111.7%5,73956.2%OPEN →
Upper142.8%3,13222.7%OPEN →
Upper138.9%2,06329.0%OPEN →
Upper178.7%4,42233.3%OPEN →
Upper134.7%3,85921.6%OPEN →
Moderate55.2%1,28213.9%OPEN →
Middle108.7%4,43127.7%OPEN →
Upper159.3%6,34534.6%OPEN →
Upper132.6%6,57332.2%OPEN →
Middle114.8%4,05529.7%OPEN →
Upper153.6%3,86229.9%OPEN →
Upper191.6%4,01533.8%OPEN →
Upper162.6%5,59144.3%OPEN →
Upper191.8%2,40229.3%OPEN →
Upper163.2%2,86118.9%OPEN →
Upper184.5%4,69951.5%OPEN →
Upper136.3%3,76546.8%OPEN →
Upper140.8%5,14737.5%OPEN →
Upper131.5%2,98737.9%OPEN →
Middle117.4%3,84638.3%OPEN →
Middle100.9%4,81023.3%OPEN →
Moderate70.1%2,35623.0%OPEN →
Middle97.7%4,13652.7%OPEN →
Middle83.0%1,94448.5%OPEN →
Middle119.7%5,30456.7%OPEN →
Middle96.7%2,27063.0%OPEN →
Upper140.5%3,83730.7%OPEN →
Upper144.4%3,91443.5%OPEN →
Middle104.5%2,57536.3%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%3100.0%OPEN →
—0.0%9445.7%OPEN →
—0.0%——OPEN →

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

Housing & households

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

Population

1,279,825

Median household income

$97,760

Median home value

$343,600

Median gross rent

$1,376

per month

Owner-occupied

72.7%

of occupied units

Housing units

561,348

5.5% vacant

Poverty rate

7.7%

Unemployment

4.8%

Natural-hazard exposure

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

Overall risk

Relatively High

score 97.5

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Very High · Strong wind Very High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

61

Declarations recorded

15

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

Everything we hold on Oakland 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 Oakland County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Oakland County →Every reported application and origination in FIPS 26125, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Oakland 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

869

—

Purchase share

36.7%

319 loans

IRRRL refinances

358

Cash-out refinances

192

2026869—319358192
2025827—424220183
2024553—33287134
2023527—3767144
2022——578240415
20212,566—5391,652375
20202,330—5651,358407
20191,199—566224409
20181,199—573147479
20171,420—582347491
20161,518—628453437
20151,243—530373340

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 Oakland 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

Oakland 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

1,730

−7.5% vs 2024

Multifamily · 2025

293

−71.2% vs 2024

Total authorized · 2025

2,023

−29.9% vs 2024

Permit valuation · 2025

$806.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,023 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 Oakland County, showing population movement and wealth transfer.

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

inflow2223Wayne County, MI8,46713,824$583.4M
outflow2223Wayne County, MI7,24611,689$454.7M
outflow2223Macomb County, MI5,1808,330$338.0M
inflow2223Macomb County, MI5,0568,001$369.6M
outflow2223Other flows - South, DS1,7303,042$178.1M
inflow2223Other flows - South, DS1,7082,814$122.0M
outflow2223Genesee County, MI1,5362,565$101.7M
inflow2223Genesee County, MI1,3442,062$80.0M
outflow2223Livingston County, MI1,1842,022$112.7M
inflow2223Washtenaw County, MI1,0661,502$87.2M
outflow2223Washtenaw County, MI1,0171,491$89.5M
inflow2223Livingston County, MI9841,473$75.1M
inflow2223Other flows - Midwest, DS9111,435$68.6M
outflow2223Cook County, IL8761,007$69.7M
outflow2223Other flows - Midwest, DS8021,331$68.7M
outflow2223Other flows - Northeast, DS617966$59.9M
inflow2223Other flows - West, DS555931$50.9M
outflow2223Other flows - West, DS537776$42.2M
inflow2223Other flows - Northeast, DS514877$43.0M
outflow2223Kent County, MI505683$38.1M
outflow2223Lapeer County, MI481832$39.5M
outflow2223Foreign - Overseas, FR476877$62.0M
inflow2223Cook County, IL474711$73.8M
inflow2223Ingham County, MI431536$30.8M
inflow2223Kent County, MI415595$28.6M
outflow2223Ingham County, MI354461$17.9M
inflow2223Lapeer County, MI354538$21.1M
outflow2223Los Angeles County, CA319419$32.9M
outflow2223New York County, NY316352$33.0M
outflow2223Maricopa County, AZ274459$32.3M
inflow2223St. Clair County, MI269361$18.7M
inflow2223Maricopa County, AZ267455$30.2M
inflow2223Los Angeles County, CA242354$25.2M
outflow2223St. Clair County, MI239377$15.6M
inflow2223Foreign - Overseas, FR231470$31.9M
outflow2223King County, WA217286$24.6M
inflow2223Kalamazoo County, MI206288$14.9M
outflow2223Kalamazoo County, MI195271$14.2M
outflow2223Harris County, TX192299$16.3M
outflow2223Travis County, TX190257$19.0M
outflow2223Lee County, FL183326$36.9M
inflow2223Saginaw County, MI173248$10.2M
outflow2223Dallas County, TX166253$14.5M
outflow2223Santa Clara County, CA158243$28.4M
outflow2223Collin County, TX158360$19.4M
outflow2223Ottawa County, MI155222$13.3M
outflow2223Saginaw County, MI152249$12.2M
outflow2223Franklin County, OH145202$11.9M
outflow2223Mecklenburg County, NC144242$15.6M
outflow2223Collier County, FL135224$58.8M
outflow2223Kings County, NY135144$10.5M
outflow2223Grand Traverse County, MI130210$14.0M
outflow2223Palm Beach County, FL128205$55.0M
outflow2223Clark County, NV127210$10.3M
inflow2223Harris County, TX127200$11.1M
inflow2223Franklin County, OH126184$10.5M
inflow2223Cuyahoga County, OH125200$15.9M
inflow2223San Diego County, CA122194$9.9M
outflow2223San Diego County, CA118167$12.9M
inflow2223Lee County, FL117200$12.9M
outflow2223Fulton County, GA117186$14.4M
outflow2223Denver County, CO116140$11.8M
outflow2223Broward County, FL115184$14.2M
outflow2223Cuyahoga County, OH114146$8.8M
outflow2223Hillsborough County, FL114193$12.9M
inflow2223Monroe County, MI113165$6.4M
outflow2223Davidson County, TN112144$9.1M
outflow2223District of Columbia, DC111131$8.4M
outflow2223Orange County, CA110183$17.0M
inflow2223New York County, NY109146$18.6M
inflow2223Lucas County, OH109153$8.1M
inflow2223Ottawa County, MI109157$8.3M
inflow2223Orange County, CA105180$11.6M
outflow2223Monroe County, MI102151$6.4M
inflow2223Jackson County, MI102140$6.3M
inflow2223Bay County, MI102145$5.1M
outflow2223San Francisco County, CA101117$13.1M
outflow2223Williamson County, TX99209$15.0M
outflow2223Miami-Dade County, FL98126$23.3M
inflow2223Clark County, NV98179$8.7M
outflow2223Sarasota County, FL97165$21.2M
outflow2223Wake County, NC97195$11.9M
outflow2223Pinellas County, FL95127$13.4M
inflow2223King County, WA94145$15.6M
outflow2223Tarrant County, TX94175$7.4M
inflow2223Isabella County, MI94116$4.4M
outflow2223Suffolk County, MA93117$9.1M
outflow2223Jackson County, MI92138$6.0M
outflow2223Alameda County, CA90159$12.7M
outflow2223Orange County, FL89159$9.8M
outflow2223Middlesex County, MA89111$8.6M
inflow2223Dallas County, TX87136$9.5M
outflow2223DuPage County, IL86149$9.4M
inflow2223Palm Beach County, FL84126$33.2M
inflow2223Grand Traverse County, MI83114$5.9M
inflow2223Santa Clara County, CA81140$19.3M
inflow2223Clinton County, MI7997$4.4M
outflow2223Midland County, MI79132$5.6M
outflow2223Denton County, TX78161$9.6M
inflow2223Midland County, MI76121$5.8M
outflow2223Hennepin County, MN75104$8.0M
outflow2223Shiawassee County, MI75101$4.2M
inflow2223Collier County, FL74106$25.4M
outflow2223Lucas County, OH74114$4.5M
inflow2223Marion County, IN73104$4.5M
inflow2223Davidson County, TN72108$5.2M
inflow2223District of Columbia, DC7186$7.7M
outflow2223Dane County, WI7083$4.7M
inflow2223Fulton County, GA70109$7.5M
inflow2223Broward County, FL70108$12.3M
outflow2223Allegheny County, PA7089$7.2M
outflow2223Marion County, IN6895$5.2M
inflow2223Sarasota County, FL68114$7.7M
inflow2223Orange County, FL67105$6.1M
outflow2223Isabella County, MI6786$3.6M
inflow2223Denver County, CO66105$8.3M
outflow2223Queens County, NY6677$5.1M
inflow2223Miami-Dade County, FL66110$6.0M
inflow2223Travis County, TX6494$8.2M
inflow2223Eaton County, MI6486$3.7M
inflow2223Pinellas County, FL6496$5.4M
inflow2223Alameda County, CA64113$9.0M
outflow2223Bay County, MI64103$4.3M
outflow2223Clinton County, MI6499$4.9M
outflow2223Manatee County, FL62115$9.2M
inflow2223Allegheny County, PA6293$8.7M
inflow2223Middlesex County, MA61101$7.1M
inflow2223Kings County, NY6196$7.7M
inflow2223Tarrant County, TX61124$6.9M
outflow2223Hamilton County, OH6080$4.8M
outflow2223Salt Lake County, UT5972$3.6M
outflow2223Eaton County, MI5875$3.3M
inflow2223Queens County, NY5889$4.7M
inflow2223Hillsborough County, FL5796$7.1M
outflow2223Philadelphia County, PA5767$3.5M
inflow2223DuPage County, IL5787$6.5M
outflow2223Marquette County, MI5674$2.9M
outflow2223Lenawee County, MI5689$4.0M
outflow2223Fairfax County, VA5688$8.3M
inflow2223Shiawassee County, MI5680$3.7M
outflow2223Emmet County, MI5594$15.2M
outflow2223Sanilac County, MI5585$4.3M
outflow2223Bexar County, TX5592$3.9M
outflow2223Cobb County, GA55107$5.5M
outflow2223Allegan County, MI5598$11.5M
inflow2223Mecklenburg County, NC5484$6.9M
inflow2223Tuscola County, MI5480$2.4M
outflow2223Tuscola County, MI5481$3.1M
outflow2223Riverside County, CA5391$9.0M
outflow2223Huron County, MI5385$3.8M
inflow2223Calhoun County, MI5375$5.6M
inflow2223Lenawee County, MI5374$2.7M
inflow2223Hamilton County, OH5379$5.1M
outflow2223Volusia County, FL5388$5.6M
inflow2223Collin County, TX5294$5.8M
outflow2223Charlotte County, FL5289$8.5M
outflow2223Duval County, FL5177$4.6M
inflow2223Bexar County, TX5190$3.7M
outflow2223Pasco County, FL51111$5.6M
inflow2223Huron County, MI5168$2.2M
outflow2223Calhoun County, MI5169$2.9M
outflow2223Charlevoix County, MI5081$7.1M
outflow2223Hamilton County, IN50109$9.8M
outflow2223Iosco County, MI4870$3.0M
inflow2223Suffolk County, MA4862$4.7M
inflow2223Berrien County, MI4881$4.7M
inflow2223Dane County, WI4858$3.6M
inflow2223Pima County, AZ4777$5.5M
outflow2223Jefferson County, KY4782$4.5M
outflow2223Milwaukee County, WI4757$3.7M
inflow2223Denton County, TX4789$4.1M
inflow2223Montgomery County, MD4772$5.4M
inflow2223Roscommon County, MI4575$2.9M
outflow2223Jefferson County, CO4454$3.5M
outflow2223Roscommon County, MI4472$2.7M
inflow2223Emmet County, MI4461$7.9M
inflow2223Fairfax County, VA4492$6.4M
inflow2223Multnomah County, OR4461$4.0M
outflow2223Muskegon County, MI4359$3.4M
inflow2223Wake County, NC4364$4.3M
outflow2223Polk County, FL4372$2.7M
outflow2223Antrim County, MI4367$7.7M
inflow2223Hennepin County, MN4270$4.6M
outflow2223Sumter County, FL4267$13.4M
outflow2223Gladwin County, MI4262$2.9M
inflow2223Jefferson County, KY4260$3.6M
inflow2223Sanilac County, MI4262$2.5M
outflow2223Lake County, FL4189$4.2M
inflow2223Foreign - Other flows, FR4171$2.5M
outflow2223Williamson County, TN4175$5.9M
outflow2223Charleston County, SC4169$4.7M
outflow2223Otsego County, MI4173$3.8M
outflow2223El Paso County, CO4155$3.4M
outflow2223Arlington County, VA4143$2.8M
inflow2223Philadelphia County, PA4163$4.8M
outflow2223Gwinnett County, GA4173$3.3M
outflow2223DeKalb County, GA4167$3.5M
inflow2223Houghton County, MI4048$1.2M
inflow2223Milwaukee County, WI4075$3.8M
inflow2223San Francisco County, CA4057$9.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Oakland County.

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

2023PurchaseNo CharacteristicAll Appraisals9,221.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals3,154.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals12,375.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals348,000.0
2023BothNo CharacteristicAll Appraisals351,000.0
2023PurchaseNo CharacteristicAll Appraisals352,000.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals335,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals340,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals6,655.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals324,000.0
2022BothNo CharacteristicAll Appraisals18,924.0
2022PurchaseNo CharacteristicAll Appraisals12,269.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals340,000.0
2021BothNo CharacteristicAll Appraisals32,591.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals15,031.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals17,560.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals331,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals324,000.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals36,469.0
2020PurchaseNo CharacteristicAll Appraisals14,574.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals320,000.0
2020RefinanceNo CharacteristicAll Appraisals340,000.0
2020RefinanceNo CharacteristicAll Appraisals21,895.0
2020PurchaseNo CharacteristicAll Appraisals290,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals293,000.0
2019PurchaseNo CharacteristicAll Appraisals13,802.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals311,000.0
2019BothNo CharacteristicAll Appraisals29,627.0
2019RefinanceNo CharacteristicAll Appraisals15,825.0
2019PurchaseNo CharacteristicAll Appraisals275,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals270,000.0
2018BothNo CharacteristicAll Appraisals23,739.0
2018PurchaseNo CharacteristicAll Appraisals14,026.0
2018RefinanceNo CharacteristicAll Appraisals9,713.0
2018BothNo CharacteristicAll Appraisals268,000.0
2018PurchaseNo CharacteristicAll Appraisals265,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals278,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.2
2017BothNo CharacteristicAll Appraisals28,006.0
2017PurchaseNo CharacteristicAll Appraisals15,009.0
2017PurchaseNo CharacteristicAll Appraisals265,000.0
2017RefinanceNo CharacteristicAll Appraisals12,997.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals270,000.0
2016PurchaseNo CharacteristicAll Appraisals14,026.0
2016RefinanceNo CharacteristicAll Appraisals300,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals255,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals283,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals34,843.0
2016RefinanceNo CharacteristicAll Appraisals20,817.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals242,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals280,000.0
2015BothNo CharacteristicAll Appraisals29,534.0
2015RefinanceNo CharacteristicAll Appraisals16,495.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals13,039.0
2015BothNo CharacteristicAll Appraisals265,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals255,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05694,937662,72332,2144.6%
2026-04687,083662,78724,2963.5%
2026-03686,430658,11928,3114.1%
2026-02680,858650,31530,5434.5%
2026-01683,217654,23528,9824.2%
2025-12687,379661,38425,9953.8%
2025-11690,044661,12428,9204.2%
2025-09681,928655,16526,7633.9%
2025-08683,105657,60125,5043.7%
2025-07690,400659,54430,8564.5%
2025-06685,844658,55327,2914.0%
2025-05678,688652,72725,9613.8%
2025-04677,915656,39321,5223.2%
2025-03683,657656,62827,0294.0%
2025-02678,499650,00028,4994.2%
2025-01681,663653,48128,1824.1%
2024-12684,382658,45725,9253.8%
2024-11685,190658,29826,8923.9%
2024-10688,221661,51426,7073.9%
2024-09693,632666,89526,7373.9%
2024-08693,123667,94025,1833.6%
2024-07694,884664,80230,0824.3%
2024-06689,196661,69427,5024.0%
2024-05683,829660,69323,1363.4%
2024-04682,220663,53718,6832.7%
2024-03688,336667,09921,2373.1%
2024-02681,080659,34121,7393.2%
2024-01684,891663,79821,0933.1%
2023-12687,491669,71717,7742.6%
2023-11690,887671,92318,9642.7%
2023-10692,108669,87122,2373.2%
2023-09697,873674,78123,0923.3%
2023-08698,486675,88722,5993.2%
2023-07697,399674,08723,3123.3%
2023-06688,515666,86121,6543.1%
2023-05680,234661,02519,2092.8%
2023-04673,107660,51712,5901.9%
2023-03679,373662,04417,3292.6%
2023-02669,777650,28019,4972.9%
2023-01670,978649,51521,4633.2%
2022-12674,178656,68317,4952.6%
2022-11669,859652,34117,5182.6%
2022-10673,230654,22519,0052.8%
2022-09671,585652,34619,2392.9%
2022-08674,566655,01919,5472.9%
2022-07673,695654,09419,6012.9%
2022-06669,618648,04921,5693.2%
2022-05663,875642,42721,4483.2%
2022-04660,599642,51918,0802.7%
2022-03669,666647,62622,0403.3%
2022-02663,836640,56923,2673.5%
2022-01665,330639,48325,8473.9%
2021-12666,711645,42621,2853.2%
2021-11667,790646,12121,6693.2%
2021-10667,786642,90524,8813.7%
2021-09668,421639,78228,6394.3%
2021-08669,155638,62530,5304.6%
2021-07668,747634,02934,7185.2%
2021-06660,712625,25735,4555.4%
2021-05650,612620,28230,3304.7%
2021-04648,475619,05929,4164.5%
2021-03655,153620,57534,5785.3%
2021-02644,929611,66533,2645.2%
2021-01647,945611,62836,3175.6%
2020-12641,026601,57739,4496.2%
2020-11655,871615,88039,9916.1%
2020-10662,035618,20843,8276.6%
2020-09659,997604,80155,1968.4%
2020-08661,949600,89561,0549.2%
2020-07663,393579,15084,24312.7%
2020-06652,489555,17297,31714.9%
2020-05645,034518,899126,13519.6%
2020-04566,892460,127106,76518.8%
2020-03671,363646,99424,3693.6%
2020-02673,675654,32219,3532.9%
2020-01677,470655,63221,8383.2%
2019-12686,685667,23519,4502.8%
2019-11687,733668,27419,4592.8%
2019-10693,102672,94220,1602.9%
2019-09696,026672,90123,1253.3%
2019-08697,656672,29525,3613.6%
2019-07700,572672,75727,8154.0%
2019-06689,958664,82925,1293.6%
2019-05682,550659,94222,6083.3%
2019-04679,639658,73920,9003.1%
2019-03688,120662,00326,1173.8%
2019-02682,432658,41224,0203.5%
2019-01682,167657,53524,6323.6%
2018-12687,965665,54822,4173.3%
2018-11685,833664,66721,1663.1%
2018-10689,376665,93823,4383.4%
2018-09687,589665,05322,5363.3%
2018-08684,795662,70122,0943.2%
2018-07689,236663,36925,8673.8%
2018-06683,436659,51923,9173.5%
2018-05677,589657,53220,0573.0%
2018-04673,419653,00820,4113.0%
2018-03678,013654,23523,7783.5%
2018-02672,927647,78325,1443.7%
2018-01670,545644,91525,6303.8%

BEA Personal Income

2024$121.36B1,296,888$94K
2023$115.91B1,281,836$90K
2022$108.96B1,275,098$85K
2021$105.06B1,272,776$83K
2020$96.78B1,272,526$76K
2019$91.57B1,275,413$72K
2018$89.32B1,273,248$70K
2017$85.89B1,270,343$68K
2016$82.49B1,263,517$65K
2015$80.63B1,254,932$64K
2014$75.42B1,251,202$60K
2013$71.45B1,241,871$58K
2012$70.79B1,228,027$58K
2011$66.18B1,215,105$54K
2010$60.36B1,203,602$50K
2009$58.79B1,200,890$49K
2008$63.90B1,199,545$53K
2007$63.31B1,199,862$53K
2006$61.50B1,202,256$51K
2005$61.06B1,203,253$51K
2004$60.33B1,203,812$50K
2003$59.23B1,201,756$49K
2002$58.72B1,198,889$49K
2001$59.47B1,200,425$50K
2000$57.52B1,196,165$48K
1999$52.67B1,188,498$44K
1998$50.48B1,182,206$43K
1997$45.70B1,176,377$39K
1996$43.76B1,167,082$37K
1995$41.24B1,155,687$36K
1994$38.23B1,141,823$33K
1993$35.16B1,129,455$31K
1992$32.94B1,117,187$29K
1991——$27K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-05-19$0$0$0Yes
2026-04-15$55K$39K$17KYes
2026-04-06$14K$14K$0Yes
2026-04-04$6K$6K$0Yes
2025-07-30$5K$5K$0No
2025-07-30$94K$94K$0Yes
2025-07-28$0——Yes
2025-07-18$0——Yes
2025-04-03$7K$7K$0No
2025-04-02$602.67$602.67$0Yes
2024-08-06$0$0$0Yes
2024-08-02$0$0$0Yes
2024-08-02$0$0$0Yes
2024-08-02$31K$31K$0No
2024-08-02$38K$38K$0No
2024-08-02$33K$33K$0No
2024-08-02$0——Yes
2024-08-01$6K$6K$0Yes
2024-07-15$0——Yes
2024-01-26$25K$25K$0No
2023-08-25$13K$13K$0Yes
2023-08-25$14K$14K$3.52Yes
2023-08-25$174K$174K$0No
2023-08-25$82K$82K$0No
2023-08-25$2K$2K$0Yes
2023-08-25$0$0$0Yes
2023-08-25$9K$9K$0No
2023-08-24$4K$4K$0Yes
2023-08-24$50K$50K$0No
2023-08-24$943.39$943.39$0No
2023-08-24$551.18$551.18$0Yes
2023-08-24$33K$33K$0No
2023-08-24$17K$8K$9KYes
2023-08-24$89K$76K$12KYes
2023-08-24$42K$36K$6KYes
2023-08-24$10K$9K$559.54Yes
2023-08-24$0$0$0Yes
2023-08-24$168K$0$168KNo
2023-08-24$79K$79K$0No
2023-08-24$0——No
2023-08-24$35K$35K$0No
2023-08-24$0$0$0Yes
2023-08-24$61K$61K$0No
2023-08-24$37K$37K$0No
2023-08-24$0$0$0No
2023-08-24$61K$61K$0No
2023-08-24$163K$125K$38KYes
2023-08-23$82K$82K$0No
2023-08-12$0——Yes
2023-08-11$0$0$0Yes
2023-08-01$0$0$0Yes
2023-07-12$0$0$0Yes
2023-03-30$7K$7K$0Yes
2022-09-19$0——Yes
2022-08-06$0$0$0Yes
2022-08-04$0$0$0Yes
2022-08-04$0——Yes
2022-08-04$0$0$0Yes
2022-08-03$12K$12K$0No
2022-08-03$6K$6K$0No
2022-08-03$15K$15K$0No
2022-08-03$5K$5K$0No
2022-08-03$210K$210K$0No
2022-08-03$14K$14K$0No
2022-08-03$14K$14K$0No
2022-05-03$6K$4K$2KYes
2022-04-04$0$0$0Yes
2022-02-17$4K$4K$0Yes
2022-02-16$0——Yes
2021-11-04$0——Yes
2021-10-05$5K$5K$0Yes
2021-09-23$0$0$0Yes
2021-09-03$0——Yes
2021-08-12$0$0$0Yes
2021-08-11$918.01$918.01$0Yes
2021-08-11$4K$4K$0Yes
2021-07-25$31K$29K$2KYes
2021-07-25$0——Yes
2021-07-24$0$0$0Yes
2021-07-24$34K$34K$0No
2021-07-24$41K$33K$8KNo
2021-07-12$51K$50K$395.55Yes
2021-07-08$0——Yes
2021-06-28$5K$5K$0Yes
2021-06-26$56K$56K$0Yes
2021-06-26$26K$26K$0Yes
2021-06-26$0——Yes
2021-06-26$91K$91K$0No
2021-06-25$14K$14K$0Yes
2021-06-25$39K$39K$0Yes
2021-06-25$3K$3K$0Yes
2021-06-25$11K$8K$4KYes
2021-06-25$26K$26K$0No
2021-06-25$8K$8K$0Yes
2021-06-25$0——Yes
2021-06-25$22K$22K$0No
2021-06-25$0$0$0Yes
2021-06-25$21K$21K$0Yes
2021-06-25$9K$9K$0Yes
2021-06-25$0$0$0No

ALSO CHECKED

18 more data areas were checked for Oakland 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 OAKLAND COUNTY →Opens the loan explorer already filtered to county FIPS 26125.

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.