Skip to main content
MortRadarTERMINAL
State markets/Nevada/Washoe County

COUNTY MORTGAGE MARKET · FIPS 32031

Washoe County, Nevada

Who lends in Washoe 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

$4.55B

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

Originations · 2025

10,588

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

Denial rate · 2025

15.1%

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

Lenders active · 2025

352

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

Concentration (HHI)

253

unconcentrated

Top-5 lender share

27.4%

of originations

Purchase

64.8%

5,659 loans

Refinance

35.2%

3,079 loans

Origination trend

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

Lenders in Washoe 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 Washoe 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 WASHOE COUNTY →

TOP TEN LENDERS IN WASHOE COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,036$370.6M$370.6M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
666$323.0M$323.0M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
804$224.6M$224.6M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
439$181.7M$181.7M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
353$147.3M$147.3M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$127.1M$127.1M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
336$121.7M$121.7M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
298$120.3M$120.3M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
228$106.3M$106.3M originated in Washoe County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
203$99.8M$99.8M originated in Washoe 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 Washoe County

All 28 ZIP Code Tabulation Areas that touch Washoe 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.
28 OF 28 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1414 of the 20 Washoe County tracts this ZIP area touches sit mostly inside it.46,33157.8%6,287——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Washoe County tracts this ZIP area touches sit mostly inside it.45,82348.7%9,983——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Washoe County tracts this ZIP area touches sit mostly inside it.43,65334.7%11,431——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Washoe County tracts this ZIP area touches sit mostly inside it.38,89959.3%6,236——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 12 Washoe County tracts this ZIP area touches sit mostly inside it.37,79731.4%9,419——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Washoe County tracts this ZIP area touches sit mostly inside it.37,11231.9%9,084——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 15 Washoe County tracts this ZIP area touches sit mostly inside it.36,46829.9%9,085——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 Washoe County tracts this ZIP area touches sit mostly inside it.33,75358.9%3,517——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Washoe County tracts this ZIP area touches sit mostly inside it.29,04023.6%8,493——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Washoe County tracts this ZIP area touches sit mostly inside it.26,79642.0%5,952——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Washoe County tracts this ZIP area touches sit mostly inside it.23,90535.4%4,661——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Washoe County tracts this ZIP area touches sit mostly inside it.23,10860.3%4,771——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Washoe County tracts this ZIP area touches sit mostly inside it.15,50022.9%4,349——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Washoe County tracts this ZIP area touches sit mostly inside it.12,15828.6%3,702——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Washoe County tracts this ZIP area touches sit mostly inside it.9,81723.5%2,939——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Washoe County tracts this ZIP area touches sit mostly inside it.8,93320.9%2,659——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Washoe County tracts this ZIP area touches sit mostly inside it.5,14816.4%1,878——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Washoe County tract this ZIP area touches sit mostly inside it.4,22829.9%1,419——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 9 Washoe County tracts this ZIP area touches sit mostly inside it.3,24730.9%640——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Washoe County tract this ZIP area touches sit mostly inside it.2,85018.3%703——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Washoe County tracts this ZIP area touches sit mostly inside it.1,92683.0%524——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Washoe 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 Washoe 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 Washoe 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 Washoe 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 Washoe 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 Washoe 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 Washoe 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.

136 of Washoe County’s 139 census tracts are grouped into the ZIP areas above; the other 3 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. 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 Washoe County

All 139 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.

139 OF 139 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
—0.0%1,16134.0%OPEN →
Middle100.0%2,55129.2%OPEN →
Low30.3%2,90341.9%OPEN →
—0.0%69636.9%OPEN →
Moderate56.3%3,32964.2%OPEN →
Moderate72.4%2,68739.3%OPEN →
—0.0%1,62224.2%OPEN →
Moderate64.9%2,13825.1%OPEN →
Middle105.0%2,96026.9%OPEN →
Upper201.1%2,32416.8%OPEN →
Upper126.9%2,59344.7%OPEN →
Low48.0%3,42951.6%OPEN →
Low44.7%5,08777.7%OPEN →
Middle119.5%3,20636.9%OPEN →
Upper148.4%4,39225.2%OPEN →
Upper177.3%4,14819.1%OPEN →
Upper148.2%3,37519.8%OPEN →
Upper208.6%6,60417.0%OPEN →
Upper132.1%3,43325.6%OPEN →
Upper166.0%4,67718.4%OPEN →
Moderate58.9%2,34356.6%OPEN →
Middle84.8%1,05736.6%OPEN →
Low46.2%2,70366.2%OPEN →
Low48.9%2,04958.8%OPEN →
Middle114.7%2,95616.4%OPEN →
Upper207.1%5,50018.0%OPEN →
Upper131.0%4,50517.4%OPEN →
Upper156.2%3,92819.4%OPEN →
Middle93.2%3,00930.7%OPEN →
Moderate52.0%3,19941.6%OPEN →
Low42.0%1,76340.3%OPEN →
Middle114.5%3,65834.8%OPEN →
—0.0%3,00637.0%OPEN →
Middle82.2%5,19447.6%OPEN →
Middle117.1%5,15757.1%OPEN →
—0.0%3,63641.5%OPEN →
Moderate51.0%3,32068.1%OPEN →
Moderate54.4%3,73065.0%OPEN →
—0.0%2,98455.8%OPEN →
Moderate67.9%3,54979.4%OPEN →
Moderate59.9%3,28077.7%OPEN →
Low43.1%4,74967.8%OPEN →
Low48.2%3,87360.4%OPEN →
Moderate63.0%2,39947.4%OPEN →
Upper158.7%2,77428.9%OPEN →
Middle111.0%3,47730.3%OPEN →
Moderate79.4%4,02948.5%OPEN →
Middle110.2%3,46250.5%OPEN →
Moderate68.9%1,82872.3%OPEN →
Moderate60.0%5,31469.2%OPEN →
Upper146.4%5,28032.1%OPEN →
Upper130.7%3,29627.2%OPEN →
Upper171.6%4,50024.0%OPEN →
Moderate54.2%3,86274.0%OPEN →
Moderate55.6%4,29375.1%OPEN →
Upper134.9%6,00436.9%OPEN →
Moderate66.4%2,69351.3%OPEN →
Middle85.9%2,68243.0%OPEN →
Moderate72.1%2,65544.3%OPEN →
Upper152.9%3,56727.8%OPEN →
Upper134.9%3,85730.0%OPEN →
Upper147.7%4,52331.1%OPEN →
Upper130.0%2,85018.3%OPEN →
Upper148.8%3,10414.8%OPEN →
Upper172.7%4,43219.1%OPEN →
Middle97.0%4,09534.4%OPEN →
Moderate75.3%5,13238.6%OPEN →
Middle94.1%4,06441.6%OPEN →
Upper132.4%3,07131.8%OPEN →
Upper130.7%4,61828.5%OPEN →
Middle109.2%4,34840.7%OPEN →
Upper130.3%2,53432.7%OPEN →
Middle86.9%3,10035.7%OPEN →
Moderate71.3%1,63335.2%OPEN →
Middle102.0%5,09030.8%OPEN →
Middle119.7%1,55522.1%OPEN →
Middle92.8%5,75351.6%OPEN →
Middle90.6%6,13054.5%OPEN →
Middle95.6%4,05728.5%OPEN →
Middle97.8%6,54630.1%OPEN →
Moderate70.9%4,35756.3%OPEN →
Middle90.0%4,60654.9%OPEN →
Moderate70.8%5,24752.8%OPEN →
Middle94.7%6,30231.1%OPEN →
Moderate68.5%3,99340.5%OPEN →
Middle106.6%2,03754.3%OPEN →
Moderate54.1%3,90055.2%OPEN →
Upper129.0%3,49840.9%OPEN →
Low49.4%2,72361.3%OPEN →
Moderate71.6%4,83562.9%OPEN →
Middle91.3%5,23855.6%OPEN →
Moderate65.4%5,12059.3%OPEN →
Moderate79.3%5,19262.9%OPEN →
Middle96.3%4,91262.6%OPEN →
Moderate70.5%5,50969.2%OPEN →
Middle95.8%3,69649.2%OPEN →
Middle94.0%4,26759.6%OPEN →
Middle96.4%3,85956.1%OPEN →
Low39.4%3,27857.5%OPEN →
Middle82.2%2,27836.4%OPEN →
Middle93.5%7,59550.1%OPEN →
Middle114.8%3,29737.0%OPEN →
Upper123.3%3,37430.8%OPEN →
Middle107.4%5,18638.5%OPEN →
Middle96.9%2,35744.6%OPEN →
Low41.5%3,06449.7%OPEN →
Upper180.3%5,17216.0%OPEN →
Middle87.1%4,07725.6%OPEN →
Upper183.4%1,56214.3%OPEN →
Middle105.2%3,58617.3%OPEN →
Upper141.6%1,16032.2%OPEN →
Middle106.3%1,82643.0%OPEN →
Upper270.0%1,26816.7%OPEN →
Upper210.0%2,42313.4%OPEN →
Upper164.7%1,44720.3%OPEN →
Upper218.9%1,69318.7%OPEN →
Middle104.7%4,22829.9%OPEN →
Middle119.0%4,34827.9%OPEN →
Upper143.3%4,22531.6%OPEN →
Upper122.7%4,27938.2%OPEN →
Middle106.3%3,69243.0%OPEN →
Middle119.3%5,58824.9%OPEN →
Upper154.1%4,74630.9%OPEN →
Upper138.8%4,28038.9%OPEN →
Upper142.7%3,05219.8%OPEN →
Upper137.8%3,70226.5%OPEN →
Upper145.4%5,83933.7%OPEN →
Middle112.3%3,73521.8%OPEN →
Upper146.6%5,01123.1%OPEN →
Upper136.9%2,55942.7%OPEN →
Moderate79.1%2,51139.3%OPEN →
Upper122.3%3,58845.4%OPEN →
Moderate74.1%1,92683.0%OPEN →
—0.0%16740.7%OPEN →
—0.0%00.0%OPEN →
—0.0%——OPEN →
—0.0%1225.0%OPEN →
—0.0%——OPEN →
—0.0%00.0%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

497,200

Median household income

$88,096

Median home value

$539,900

Median gross rent

$1,608

per month

Owner-occupied

59.9%

of occupied units

Housing units

218,165

8.6% vacant

Poverty rate

10.7%

Unemployment

5.1%

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 High

score 96.7

Social vulnerability

Relatively Low

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Wildfire Relatively High · Earthquake Relatively High · Winter weather Very High

Federal disaster history

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

Months with an active declaration

85

Declarations recorded

48

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

Everything we hold on Washoe 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 Washoe County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Washoe County →Every reported application and origination in FIPS 32031, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Washoe 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

789

—

Purchase share

50.7%

400 loans

IRRRL refinances

263

Cash-out refinances

126

2026789—400263126
2025734—482145107
2024517—3656488
2023505—406594
2022——609218534
20213,248—6642,058526
20203,173—8091,825539
20191,456—651293512
20181,398—714170514
20171,863—850425588
20161,892—807542543
20151,561—698449414

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 Washoe 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

Washoe 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

1,656

−26.6% vs 2024

Multifamily · 2025

875

−52.2% vs 2024

Total authorized · 2025

2,531

−38.0% vs 2024

Permit valuation · 2025

$633.2M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,531 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 Washoe County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS1,4492,570$128.5M
inflow2223Other flows - South, DS1,2362,029$109.9M
outflow2223Other flows - West, DS1,0631,751$77.9M
inflow2223Other flows - West, DS9931,591$78.6M
inflow2223Clark County, NV9831,412$83.9M
outflow2223Clark County, NV8681,276$84.9M
outflow2223Other flows - Midwest, DS7721,348$59.9M
outflow2223Lyon County, NV7401,338$49.7M
inflow2223Other flows - Midwest, DS616937$48.9M
inflow2223Lyon County, NV591971$31.3M
inflow2223Carson City, NV537799$42.2M
outflow2223Carson City, NV500773$38.3M
inflow2223Sacramento County, CA415656$47.5M
inflow2223Los Angeles County, CA392611$38.8M
inflow2223Other flows - Northeast, DS391530$36.5M
outflow2223Other flows - Northeast, DS382580$31.9M
inflow2223Placer County, CA353527$37.4M
inflow2223Santa Clara County, CA341557$62.4M
outflow2223Maricopa County, AZ313510$40.3M
inflow2223Douglas County, NV292448$27.9M
inflow2223Nevada County, CA286470$29.6M
inflow2223Alameda County, CA281408$41.0M
inflow2223Contra Costa County, CA278446$80.9M
outflow2223Sacramento County, CA276445$19.3M
outflow2223Los Angeles County, CA275408$36.5M
inflow2223Maricopa County, AZ246392$27.5M
inflow2223San Diego County, CA240350$27.0M
outflow2223Placer County, CA230358$24.4M
inflow2223Orange County, CA227379$26.1M
outflow2223San Diego County, CA220312$21.1M
outflow2223Douglas County, NV209330$57.9M
inflow2223El Dorado County, CA187276$14.6M
outflow2223Santa Clara County, CA187280$32.0M
outflow2223King County, WA169233$14.0M
inflow2223San Joaquin County, CA162265$16.5M
inflow2223San Mateo County, CA161263$55.2M
outflow2223Churchill County, NV149222$8.6M
inflow2223Churchill County, NV147221$7.4M
outflow2223Alameda County, CA142207$15.6M
outflow2223Travis County, TX116175$16.6M
outflow2223Orange County, CA116175$11.6M
outflow2223San Francisco County, CA116152$20.5M
inflow2223King County, WA115195$35.0M
outflow2223Foreign - Overseas, FR114173$12.2M
inflow2223Riverside County, CA114189$8.9M
inflow2223Elko County, NV114188$7.8M
outflow2223Nevada County, CA109189$10.7M
inflow2223San Bernardino County, CA109179$6.3M
outflow2223Ada County, ID107181$10.5M
outflow2223Elko County, NV106175$7.0M
inflow2223Solano County, CA105166$8.5M
inflow2223San Francisco County, CA103135$21.1M
outflow2223Contra Costa County, CA102150$10.7M
outflow2223Multnomah County, OR100137$5.4M
inflow2223Sonoma County, CA97146$21.5M
inflow2223Stanislaus County, CA95147$10.0M
outflow2223Salt Lake County, UT92155$7.8M
outflow2223El Dorado County, CA90113$8.1M
outflow2223Riverside County, CA88155$9.5M
outflow2223San Joaquin County, CA87143$6.0M
inflow2223Salt Lake County, UT86154$6.7M
inflow2223Foreign - Overseas, FR85146$11.2M
inflow2223Lassen County, CA82131$4.5M
outflow2223Storey County, NV82140$6.5M
outflow2223Pima County, AZ82128$6.7M
inflow2223Storey County, NV81131$5.3M
inflow2223Plumas County, CA77114$5.2M
inflow2223Ventura County, CA74104$9.9M
outflow2223San Bernardino County, CA72132$4.8M
outflow2223San Mateo County, CA72104$17.5M
inflow2223Fresno County, CA69109$5.0M
inflow2223Multnomah County, OR6783$6.0M
inflow2223Honolulu County, HI67118$5.3M
inflow2223Butte County, CA6688$4.6M
inflow2223Kern County, CA63121$3.3M
inflow2223Humboldt County, NV63110$4.2M
outflow2223Plumas County, CA61103$3.8M
outflow2223Harris County, TX61107$6.3M
outflow2223Sonoma County, CA6086$6.6M
inflow2223Harris County, TX6092$5.4M
outflow2223Tarrant County, TX6092$4.7M
inflow2223Cook County, IL5785$6.7M
outflow2223Solano County, CA57102$4.4M
outflow2223Bexar County, TX5593$4.2M
outflow2223Honolulu County, HI5592$4.5M
outflow2223Denver County, CO5572$4.5M
outflow2223Lassen County, CA54106$3.0M
outflow2223Fresno County, CA5496$3.0M
outflow2223Pierce County, WA5497$4.0M
outflow2223New York County, NY5258$5.3M
inflow2223Travis County, TX5182$9.6M
inflow2223Pierce County, WA5187$10.8M
outflow2223Washington County, OR5171$3.8M
inflow2223Santa Cruz County, CA5090$6.6M
outflow2223Cook County, IL4962$4.1M
inflow2223Pima County, AZ4890$4.8M
inflow2223Monterey County, CA4872$4.5M
inflow2223Yolo County, CA4873$8.0M
inflow2223Lane County, OR4778$3.3M
inflow2223Shasta County, CA4659$3.1M
inflow2223Ada County, ID4665$3.0M
inflow2223Marin County, CA4570$10.8M
outflow2223Jackson County, OR4556$1.8M
outflow2223Humboldt County, NV4466$2.9M
outflow2223Butte County, CA4465$2.3M
outflow2223Stanislaus County, CA4380$1.7M
inflow2223Washington County, OR4259$2.9M
inflow2223Nye County, NV4148$2.2M
outflow2223Spokane County, WA4159$3.8M
outflow2223El Paso County, CO4166$3.7M
outflow2223Williamson County, TX4060$3.0M
outflow2223Snohomish County, WA3973$3.2M
outflow2223Utah County, UT3967$2.5M
outflow2223Clark County, WA3956$6.7M
inflow2223San Luis Obispo County, CA3746$2.4M
outflow2223Pinal County, AZ3763$3.1M
outflow2223Foreign - Other flows, FR3771$2.7M
outflow2223Monterey County, CA3750$4.6M
outflow2223Shasta County, CA3758$2.6M
inflow2223El Paso County, CO3668$5.0M
inflow2223Tarrant County, TX3654$3.1M
inflow2223Dallas County, TX3546$5.7M
outflow2223Mohave County, AZ3562$1.6M
inflow2223Foreign - Other flows, FR3477$3.4M
outflow2223Kings County, NY3441$2.5M
inflow2223Clark County, WA3459$5.3M
outflow2223Kern County, CA3367$2.7M
inflow2223Snohomish County, WA3359$3.6M
outflow2223Nye County, NV3346$1.7M
outflow2223San Luis Obispo County, CA3253$2.9M
outflow2223Dallas County, TX3242$1.5M
outflow2223Canyon County, ID3268$2.7M
inflow2223Canyon County, ID3255$2.3M
inflow2223Santa Barbara County, CA3155$4.8M
outflow2223Yolo County, CA3153$4.5M
outflow2223Davis County, UT3155$2.5M
inflow2223Merced County, CA3149$1.6M
inflow2223Jefferson County, CO3145$2.6M
inflow2223Utah County, UT3152$1.4M
outflow2223Kootenai County, ID3042$2.0M
outflow2223Santa Barbara County, CA3048$2.2M
outflow2223Marin County, CA3039$4.7M
inflow2223Denver County, CO3039$3.5M
outflow2223Davidson County, TN2935$2.3M
inflow2223Anchorage Municipality, AK2944$3.0M
inflow2223Clackamas County, OR2844$3.7M
inflow2223Jackson County, OR2849$3.3M
outflow2223Miami-Dade County, FL2744$4.5M
inflow2223Mohave County, AZ2750$1.3M
inflow2223Klamath County, OR2744$825K
outflow2223Denton County, TX2747$3.1M
inflow2223Coconino County, AZ2636$1.6M
outflow2223Marion County, OR2631$1.6M
outflow2223Lane County, OR2644$1.2M
outflow2223Deschutes County, OR2638$4.5M
outflow2223Arapahoe County, CO2656$3.2M
outflow2223Ventura County, CA2632$3.0M
outflow2223Santa Cruz County, CA2633$3.3M
outflow2223Yavapai County, AZ2642$3.0M
inflow2223Inyo County, CA2635$924K
inflow2223Napa County, CA2634$2.8M
inflow2223Broward County, FL2633$2.0M
inflow2223Hillsborough County, FL2637$1.7M
inflow2223Orange County, FL2630$1.3M
outflow2223Oklahoma County, OK2550$1.9M
inflow2223Tulare County, CA2547$1.1M
inflow2223Miami-Dade County, FL2539$2.2M
inflow2223New York County, NY2538$3.2M
inflow2223Bexar County, TX2549$2.0M
inflow2223Hawaii County, HI2438$2.6M
inflow2223Hennepin County, MN2441$5.7M
inflow2223Bernalillo County, NM2440$2.9M
outflow2223Hillsborough County, FL2443$2.1M
outflow2223Mineral County, NV2440$973K
outflow2223Mecklenburg County, NC2437$3.7M
inflow2223Deschutes County, OR2438$2.3M
outflow2223Larimer County, CO2332$1.2M
inflow2223Pershing County, NV2336$884K
inflow2223Yuba County, CA2341$863K
inflow2223Humboldt County, CA2330$769K
outflow2223Kitsap County, WA2334$1.6M
outflow2223Douglas County, CO2237$2.7M
outflow2223Bernalillo County, NM2228$1.7M
outflow2223Pershing County, NV2240$875K
outflow2223Middlesex County, MA2233$1.9M
outflow2223Pinellas County, FL2227$1.9M
outflow2223Orange County, FL2240$1.3M
inflow2223Spokane County, WA2125$718K
outflow2223Thurston County, WA2131$1.6M
outflow2223Coos County, OR2135$1.4M
inflow2223Collin County, TX2032$2.3M
outflow2223Jefferson County, CO2024$1.3M
outflow2223Boulder County, CO2029$2.0M
outflow2223Hennepin County, MN2028$1.6M
inflow2223Arapahoe County, CO2028$1.6M
inflow2223Middlesex County, MA2033$2.3M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,7093,159$172.0M
inflow2122Other flows - South, DS1,1521,882$95.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Washoe County.

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

2023PurchaseNo CharacteristicAll Appraisals3,403.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals988.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals4,391.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals533,000.0
2023BothNo CharacteristicAll Appraisals540,000.0
2023PurchaseNo CharacteristicAll Appraisals540,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals569,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals570,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,206.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals560,000.0
2022BothNo CharacteristicAll Appraisals6,841.0
2022PurchaseNo CharacteristicAll Appraisals4,635.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals504,900.0
2021BothNo CharacteristicAll Appraisals13,333.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals6,311.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals7,022.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals505,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals505,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals14,007.0
2020PurchaseNo CharacteristicAll Appraisals5,985.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals426,000.0
2020RefinanceNo CharacteristicAll Appraisals425,000.0
2020RefinanceNo CharacteristicAll Appraisals8,022.0
2020PurchaseNo CharacteristicAll Appraisals428,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals400,000.0
2019PurchaseNo CharacteristicAll Appraisals5,361.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals395,000.0
2019BothNo CharacteristicAll Appraisals11,271.0
2019RefinanceNo CharacteristicAll Appraisals5,910.0
2019PurchaseNo CharacteristicAll Appraisals402,300.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals360,000.0
2018BothNo CharacteristicAll Appraisals9,435.0
2018PurchaseNo CharacteristicAll Appraisals5,466.0
2018RefinanceNo CharacteristicAll Appraisals3,969.0
2018BothNo CharacteristicAll Appraisals375,000.0
2018PurchaseNo CharacteristicAll Appraisals386,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals338,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals10,687.0
2017PurchaseNo CharacteristicAll Appraisals5,761.0
2017PurchaseNo CharacteristicAll Appraisals357,000.0
2017RefinanceNo CharacteristicAll Appraisals4,926.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals349,000.0
2016PurchaseNo CharacteristicAll Appraisals5,189.0
2016RefinanceNo CharacteristicAll Appraisals334,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals331,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals333,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals12,715.0
2016RefinanceNo CharacteristicAll Appraisals7,526.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals304,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals300,000.0
2015BothNo CharacteristicAll Appraisals11,220.0
2015RefinanceNo CharacteristicAll Appraisals6,044.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals5,176.0
2015BothNo CharacteristicAll Appraisals300,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals275,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05271,809260,66411,1454.1%
2026-04271,359260,87910,4803.9%
2026-03276,953265,19811,7554.2%
2026-02276,487263,94112,5464.5%
2026-01274,384261,68612,6984.6%
2025-12276,095265,10010,9954.0%
2025-11277,359265,93511,4244.1%
2025-09273,625262,00611,6194.2%
2025-08267,318256,14311,1754.2%
2025-07269,461257,63011,8314.4%
2025-06270,350258,30512,0454.5%
2025-05269,937258,45011,4874.3%
2025-04270,013258,51511,4984.3%
2025-03269,545257,53212,0134.5%
2025-02269,768257,30612,4624.6%
2025-01266,327253,70612,6214.7%
2024-12267,310255,68511,6254.3%
2024-11267,138255,58411,5544.3%
2024-10267,852255,99411,8584.4%
2024-09269,745258,20811,5374.3%
2024-08265,774253,14812,6264.8%
2024-07266,636253,44313,1934.9%
2024-06266,843253,76513,0784.9%
2024-05265,966253,84112,1254.6%
2024-04264,707253,00611,7014.4%
2024-03266,111253,62712,4844.7%
2024-02264,396251,93612,4604.7%
2024-01260,577248,29012,2874.7%
2023-12263,405252,67010,7354.1%
2023-11265,825255,29610,5294.0%
2023-10264,819253,50111,3184.3%
2023-09267,637256,15611,4814.3%
2023-08264,512252,78311,7294.4%
2023-07264,338252,94311,3954.3%
2023-06264,046252,44411,6024.4%
2023-05265,313253,79511,5184.3%
2023-04263,263252,41910,8444.1%
2023-03263,287251,19212,0954.6%
2023-02263,456251,18112,2754.7%
2023-01258,444245,53212,9125.0%
2022-12259,963249,66710,2964.0%
2022-11259,961249,34710,6144.1%
2022-10260,515249,74610,7694.1%
2022-09262,721252,45910,2623.9%
2022-08260,359249,13311,2264.3%
2022-07258,757247,83310,9244.2%
2022-06259,255247,85411,4014.4%
2022-05258,640248,32710,3134.0%
2022-04256,048246,2599,7893.8%
2022-03256,070246,7459,3253.6%
2022-02254,990245,2359,7553.8%
2022-01250,079239,74410,3354.1%
2021-12247,234239,3617,8733.2%
2021-11248,402240,4497,9533.2%
2021-10248,295239,9508,3453.4%
2021-09249,621241,1718,4503.4%
2021-08248,444238,23110,2134.1%
2021-07250,184239,10111,0834.4%
2021-06251,484240,36011,1244.4%
2021-05255,232244,61010,6224.2%
2021-04256,508244,27812,2304.8%
2021-03257,933245,51812,4154.8%
2021-02258,970245,33613,6345.3%
2021-01256,260242,55313,7075.3%
2020-12256,522242,96713,5555.3%
2020-11254,141240,47513,6665.4%
2020-10254,434240,12414,3105.6%
2020-09253,892236,65917,2336.8%
2020-08250,645231,88718,7587.5%
2020-07247,501222,90224,5999.9%
2020-06246,436219,68426,75210.9%
2020-05225,733190,19135,54215.7%
2020-04235,375188,01247,36320.1%
2020-03252,590236,77915,8116.3%
2020-02260,275250,8699,4063.6%
2020-01257,520247,11110,4094.0%
2019-12258,943250,3908,5533.3%
2019-11259,293251,2198,0743.1%
2019-10259,783251,6858,0983.1%
2019-09259,584251,4008,1843.2%
2019-08256,888248,3078,5813.3%
2019-07257,304248,1449,1603.6%
2019-06256,360247,5878,7733.4%
2019-05255,513247,2038,3103.3%
2019-04254,251245,6468,6053.4%
2019-03253,541244,1369,4053.7%
2019-02254,854244,81410,0403.9%
2019-01251,581240,77010,8114.3%
2018-12253,584244,8618,7233.4%
2018-11252,979244,9558,0243.2%
2018-10252,664244,5208,1443.2%
2018-09253,190245,1708,0203.2%
2018-08249,976241,2978,6793.5%
2018-07251,037242,0838,9543.6%
2018-06249,744240,7199,0253.6%
2018-05248,572240,4638,1093.3%
2018-04247,381238,5728,8093.6%
2018-03244,898235,4729,4263.8%
2018-02245,910236,1059,8054.0%
2018-01240,224229,59310,6314.4%

BEA Personal Income

2024$43.95B507,280$87K
2023$41.35B500,159$83K
2022$38.27B496,458$77K
2021$37.17B494,380$75K
2020$31.72B487,725$65K
2019$29.38B481,911$61K
2018$28.03B473,093$59K
2017$25.38B464,335$55K
2016$23.24B456,431$51K
2015$21.98B448,025$49K
2014$19.79B440,894$45K
2013$18.75B434,604$43K
2012$18.62B429,809$43K
2011$19.23B425,352$45K
2010$18.41B422,226$44K
2009$17.25B417,722$41K
2008$17.90B414,793$43K
2007$18.33B408,724$45K
2006$18.03B400,453$45K
2005$17.17B392,716$44K
2004$16.02B382,777$42K
2003$14.77B372,302$40K
2002$14.01B362,374$39K
2001$13.93B351,959$40K
2000$12.83B341,389$38K
1999$11.64B332,833$35K
1998$10.82B324,665$33K
1997$9.86B316,212$31K
1996$9.27B307,040$30K
1995$8.60B297,258$29K
1994$7.92B288,429$27K
1993$7.31B278,628$26K
1992$7.03B270,958$26K
1991——$24K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-19$0——Yes
2026-06-19$0$0$0Yes
2024-07-21$68K$60K$8KYes
2023-08-21$110K$110K$0Yes
2023-05-15$61K$61K$0Yes
2023-03-10$31K$28K$3KYes
2023-03-10$0——Yes
2023-02-01$0——Yes
2023-01-09$1K$1K$0Yes
2023-01-08$2K$2K$0Yes
2022-12-29$12K$12K$0Yes
2022-05-18$0——Yes
2022-03-22$26K$26K$0Yes
2021-10-25$4K$4K$0Yes
2021-10-24$45K$45K$0Yes
2021-10-24$0——No
2019-02-17$0——Yes
2019-02-15$14K$14K$0Yes
2019-02-15$0——Yes
2019-02-14$13K$13K$0Yes
2019-02-13$31K$31K$0Yes
2019-02-13$0——No
2018-06-01$0——No
2018-05-25$0——Yes
2018-04-16$1K$1K$0No
2018-03-26$0——Yes
2017-12-20$0——Yes
2017-09-13$0——Yes
2017-07-31$0——Yes
2017-04-18$0——Yes
2017-04-02$0——No
2017-04-01$1K$1K$0No
2017-03-28$0——No
2017-03-18$0——Yes
2017-03-13$0——Yes
2017-03-10$11K$11K$0Yes
2017-03-01$0——Yes
2017-03-01$0——No
2017-02-28$5K$5K$0Yes
2017-02-24$0——Yes
2017-02-23$0——Yes
2017-02-23$9K$9K$0Yes
2017-02-21$2K$2K$0Yes
2017-02-21$12K$3K$9KYes
2017-02-21$0——Yes
2017-02-20$2K$2K$0Yes
2017-02-20$0——No
2017-02-20$0——Yes
2017-02-18$6K$6K$0Yes
2017-02-16$0——Yes
2017-02-15$8K$8K$0Yes
2017-02-13$4K$4K$0Yes
2017-02-10$38K$0$38KNo
2017-02-10$29K$29K$0Yes
2017-02-09$15K$15K$0No
2017-02-09$60K$60K$0No
2017-02-07$135K$135K$0Yes
2017-02-07$7K$7K$0Yes
2017-02-06$7K$7K$0Yes
2017-02-05$14K$14K$0Yes
2017-02-01$0——Yes
2017-01-22$1K$1K$0Yes
2017-01-17$0——Yes
2017-01-16$0——Yes
2017-01-15$941.42$941.42$0Yes
2017-01-15$2K$2K$0Yes
2017-01-11$8K$8K$0Yes
2017-01-11$0——Yes
2017-01-11$0——Yes
2017-01-11$2K$2K$0No
2017-01-10$22K$22K$0No
2017-01-10$12K$12K$0Yes
2017-01-10$9K$9K$0Yes
2017-01-09$1K$1K$0No
2017-01-09$3K$3K$0Yes
2017-01-09$17K$17K$0Yes
2017-01-09$0——No
2017-01-09$0——No
2017-01-09$1K$1K$0No
2017-01-09$0——No
2017-01-09$1K$1K$0No
2017-01-09$1K$1K$0No
2017-01-09$26K$26K$0Yes
2017-01-09$1K$1K$0No
2017-01-09$44K$44K$0Yes
2017-01-09$1K$1K$0No
2017-01-09$0——No
2017-01-09$0——Yes
2017-01-09$1K$1K$0No
2017-01-09$6K$6K$0Yes
2017-01-09$0——No
2017-01-09$1K$1K$0No
2017-01-09$1K$1K$0No
2017-01-09$0——Yes
2017-01-09$0——No
2017-01-09$1K$1K$0No
2017-01-09$210.25$210.25$0Yes
2017-01-09$1K$1K$0No
2017-01-09$1K$1K$0No
2017-01-09$1K$1K$0No

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN WASHOE COUNTY →Opens the loan explorer already filtered to county FIPS 32031.

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