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State markets/New Jersey/Passaic County

COUNTY MORTGAGE MARKET · FIPS 34031

Passaic County, New Jersey

Who lends in Passaic 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

$2.89B

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

Originations · 2025

6,998

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

Denial rate · 2025

20.2%

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

Lenders active · 2025

405

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

Concentration (HHI)

173

unconcentrated

Top-5 lender share

21.3%

of originations

Purchase

57.5%

3,164 loans

Refinance

42.5%

2,340 loans

Origination trend

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

Lenders in Passaic 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 Passaic 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 PASSAIC COUNTY →

TOP TEN LENDERS IN PASSAIC 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.

344$158.3M$158.3M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
332$157.6M$157.6M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
392$116.8M$116.8M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
229$100.0M$100.0M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
110$83.5M$83.5M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
138$72.7M$72.7M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
6$69.3M$69.3M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
130$60.2M$60.2M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
139$59.9M$59.9M originated in Passaic County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
161$59.8M$59.8M originated in Passaic 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 Passaic County

All 33 ZIP Code Tabulation Areas that touch Passaic 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.
33 OF 33 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1717 of the 17 Passaic County tracts this ZIP area touches sit mostly inside it.70,53784.7%4,260——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Passaic County tracts this ZIP area touches sit mostly inside it.54,83827.1%14,573——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Passaic County tracts this ZIP area touches sit mostly inside it.44,71568.6%5,799——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Passaic County tracts this ZIP area touches sit mostly inside it.41,52893.3%2,028——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Passaic County tracts this ZIP area touches sit mostly inside it.27,96845.0%7,290——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.26,84436.0%7,251——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.24,35156.2%4,743——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Passaic County tracts this ZIP area touches sit mostly inside it.24,32596.3%1,231——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Passaic County tracts this ZIP area touches sit mostly inside it.21,12195.1%1,972——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.19,63733.1%4,403——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Passaic County tracts this ZIP area touches sit mostly inside it.18,76573.0%1,694——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.17,09297.3%1,516——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Passaic County tracts this ZIP area touches sit mostly inside it.16,13415.8%5,920——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Passaic County tracts this ZIP area touches sit mostly inside it.15,64390.4%2,092——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Passaic County tracts this ZIP area touches sit mostly inside it.11,73517.3%4,022——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.11,69642.2%2,339——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.11,12730.0%3,047——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.11,06534.1%2,797——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Passaic County tracts this ZIP area touches sit mostly inside it.11,05797.5%874——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.8,72816.3%3,164——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Passaic County tract this ZIP area touches sit mostly inside it.7,77724.0%1,965——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.6,82422.2%2,168——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Passaic County tracts this ZIP area touches sit mostly inside it.6,63495.7%403——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.5,91748.0%1,357——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Passaic County tracts this ZIP area touches sit mostly inside it.4,49331.8%1,330——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Passaic County tracts this ZIP area touches sit mostly inside it.3,56794.5%61——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Passaic 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 Passaic 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 Passaic 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 Passaic 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 Passaic 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 Passaic 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 Passaic 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.

120 of Passaic County’s 120 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 Passaic County

All 120 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.

120 OF 120 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper130.6%7,77724.0%OPEN →
Middle113.9%3,78750.5%OPEN →
Upper157.3%4,33442.8%OPEN →
Upper159.2%4,97945.0%OPEN →
Upper163.2%4,55838.3%OPEN →
Upper150.3%6,29646.4%OPEN →
Upper140.3%4,82845.5%OPEN →
Middle96.2%3,12257.8%OPEN →
Middle118.6%5,91748.0%OPEN →
Upper176.0%3,74624.9%OPEN →
Middle103.6%4,01447.8%OPEN →
Middle100.9%6,86766.3%OPEN →
Middle100.4%4,71058.0%OPEN →
Middle91.3%5,25553.8%OPEN →
Middle106.7%6,95667.2%OPEN →
Middle107.1%4,92465.4%OPEN →
Moderate76.6%5,36081.5%OPEN →
Middle88.6%6,62878.3%OPEN →
Moderate53.0%4,01577.7%OPEN →
Middle93.7%5,80379.3%OPEN →
Middle109.2%3,24957.1%OPEN →
Upper132.0%2,30725.6%OPEN →
Upper178.6%4,33221.8%OPEN →
Upper127.1%1,97735.4%OPEN →
Upper130.4%4,21332.2%OPEN →
Upper138.6%3,20339.3%OPEN →
Upper132.3%3,60546.0%OPEN →
Upper178.1%3,62424.9%OPEN →
Upper145.1%2,85546.9%OPEN →
Upper151.1%2,55329.0%OPEN →
Middle117.1%4,32829.2%OPEN →
Upper139.0%4,67719.7%OPEN →
Upper168.2%4,25025.4%OPEN →
Low32.7%5,12897.0%OPEN →
Low39.3%3,61796.2%OPEN →
Low48.7%4,74096.6%OPEN →
Low47.4%5,73797.2%OPEN →
Low43.3%4,44297.8%OPEN →
Low33.7%4,23096.2%OPEN →
Moderate58.4%3,39696.3%OPEN →
Upper175.7%2,57316.5%OPEN →
Middle85.4%3,95595.7%OPEN →
Middle82.0%3,24176.0%OPEN →
Middle84.9%5,79168.4%OPEN →
Middle80.8%4,52064.5%OPEN →
Middle101.0%4,50139.1%OPEN →
Low41.2%4,09496.9%OPEN →
Low35.6%2,90199.1%OPEN →
Low39.6%3,95098.2%OPEN →
Low28.7%3,72191.4%OPEN →
Moderate74.6%4,17989.1%OPEN →
Middle85.5%3,84384.4%OPEN →
Moderate60.8%3,67791.7%OPEN →
Low46.3%3,94496.6%OPEN →
Low47.4%3,79995.3%OPEN →
Moderate59.5%4,09497.5%OPEN →
Low25.1%3,45194.1%OPEN →
Moderate61.3%5,02595.4%OPEN →
Moderate50.3%3,02597.7%OPEN →
Low44.0%3,20298.6%OPEN →
Low44.3%3,76296.5%OPEN →
Moderate57.4%5,41595.7%OPEN →
Moderate50.3%2,29997.7%OPEN →
Moderate76.5%4,09397.6%OPEN →
Moderate64.1%4,73498.1%OPEN →
Moderate55.1%5,65997.3%OPEN →
Moderate52.8%4,38098.5%OPEN →
Low46.5%3,76897.7%OPEN →
Low37.0%3,78097.8%OPEN →
Low24.6%3,18192.8%OPEN →
Middle81.0%5,47283.4%OPEN →
Low40.6%1,81592.5%OPEN →
Moderate64.0%3,64179.5%OPEN →
Low31.8%3,66092.9%OPEN →
Moderate79.1%1,84698.2%OPEN →
Moderate60.4%6,18098.0%OPEN →
Moderate63.3%6,16998.4%OPEN →
Middle87.5%5,14897.1%OPEN →
Middle85.6%3,01483.2%OPEN →
Middle91.9%5,77596.2%OPEN →
Moderate57.5%3,62495.5%OPEN →
Moderate63.5%3,01095.8%OPEN →
Low44.4%3,80596.8%OPEN →
Moderate70.4%2,37092.7%OPEN →
Moderate79.6%3,64156.7%OPEN →
Low28.4%4,00956.5%OPEN →
Moderate77.2%4,13979.3%OPEN →
Moderate74.6%4,60684.5%OPEN →
—0.0%3,56794.5%OPEN →
Upper130.7%4,18728.6%OPEN →
Middle116.6%3,20037.5%OPEN →
Upper152.3%3,74025.2%OPEN →
Moderate67.6%6,37281.9%OPEN →
Upper145.8%6,28215.9%OPEN →
Upper188.0%5,45318.9%OPEN →
Upper120.8%3,09242.6%OPEN →
Upper122.1%7,96630.7%OPEN →
—0.0%7100.0%OPEN →
Upper127.8%4,49331.8%OPEN →
Upper126.8%3,06918.3%OPEN →
Upper143.7%3,75525.5%OPEN →
Upper169.4%6,26340.9%OPEN →
Upper182.6%3,14118.5%OPEN →
Upper189.5%5,90227.9%OPEN →
Upper201.2%6,87527.3%OPEN →
Middle98.8%2,79440.6%OPEN →
Upper235.4%6,60824.6%OPEN →
Upper204.8%3,18919.7%OPEN →
Upper182.5%6,32721.6%OPEN →
Upper178.3%5,33217.4%OPEN →
Upper169.7%3,86023.5%OPEN →
Middle112.8%4,54735.0%OPEN →
Upper127.6%4,84517.6%OPEN →
Upper182.4%3,88314.7%OPEN →
Middle99.5%4,63515.2%OPEN →
Upper158.4%6,57215.3%OPEN →
Upper133.6%4,92716.8%OPEN →
Moderate74.6%5,78951.3%OPEN →
Upper123.8%7,69531.7%OPEN →
Low40.0%4,93197.5%OPEN →

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

Housing & households

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

Population

521,012

Median household income

$87,522

Median home value

$459,500

Median gross rent

$1,621

per month

Owner-occupied

53.1%

of occupied units

Housing units

185,816

3.7% vacant

Poverty rate

13.0%

Unemployment

8.0%

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 95.8

Social vulnerability

Relatively High

Community resilience

Relatively Low

ELEVATED PERILS

Inland flooding Relatively High · Strong wind Very 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

80

Declarations recorded

30

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

Everything we hold on Passaic 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 Passaic County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Passaic County →Every reported application and origination in FIPS 34031, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Passaic 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

152

—

Purchase share

41.4%

63 loans

IRRRL refinances

59

Cash-out refinances

30

2026152—635930
2025132—772233
202493—641316
202381—60021
2022——864263
2021483—11831352
2020368—11420351
2019197—1083356
2018176—1142537
2017210—1074657
2016198—1035639
2015180—855441

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 Passaic 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

Passaic 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

134

−35.9% vs 2024

Multifamily · 2025

451

−29.9% vs 2024

Total authorized · 2025

585

−31.3% vs 2024

Permit valuation · 2025

$68.4M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025585 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 Passaic County, showing population movement and wealth transfer.

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

outflow2223Bergen County, NJ2,8124,930$193.8M
inflow2223Bergen County, NJ2,6594,509$194.3M
outflow2223Essex County, NJ1,3472,234$86.2M
outflow2223Morris County, NJ1,2552,138$132.9M
inflow2223Essex County, NJ1,1841,939$86.9M
outflow2223Other flows - South, DS1,1001,867$74.0M
inflow2223Hudson County, NJ8711,493$75.9M
inflow2223Other flows - South, DS7351,170$38.0M
inflow2223Morris County, NJ7201,144$57.6M
inflow2223Bronx County, NY6411,204$25.6M
outflow2223Hudson County, NJ614897$41.0M
outflow2223Other flows - Northeast, DS467785$30.7M
inflow2223Other flows - Northeast, DS414661$27.2M
outflow2223Sussex County, NJ406723$29.3M
inflow2223New York County, NY348559$23.0M
inflow2223Queens County, NY317638$23.7M
outflow2223Other flows - West, DS306435$20.3M
outflow2223Ocean County, NJ304510$32.8M
inflow2223Kings County, NY284494$19.4M
outflow2223Union County, NJ246403$15.9M
outflow2223Bronx County, NY245455$7.7M
outflow2223New York County, NY234319$21.5M
outflow2223Middlesex County, NJ222407$13.7M
inflow2223Union County, NJ212342$12.7M
outflow2223Luzerne County, PA211455$6.4M
outflow2223Other flows - Midwest, DS209388$11.3M
inflow2223Middlesex County, NJ192310$13.3M
inflow2223Other flows - West, DS186275$11.7M
inflow2223Sussex County, NJ182292$13.0M
outflow2223Kings County, NY157237$8.2M
outflow2223Queens County, NY155253$7.6M
outflow2223Somerset County, NJ136241$11.5M
inflow2223Rockland County, NY135236$11.5M
inflow2223Other flows - Midwest, DS130242$9.5M
outflow2223Monmouth County, NJ125179$12.1M
outflow2223Broward County, FL116190$6.8M
inflow2223Ocean County, NJ115202$7.3M
outflow2223Orange County, FL105186$5.3M
inflow2223Westchester County, NY103176$8.1M
outflow2223Orange County, NY101168$7.7M
outflow2223Palm Beach County, FL93157$14.4M
outflow2223Monroe County, PA91209$5.0M
outflow2223Philadelphia County, PA89146$3.6M
outflow2223Hillsborough County, FL85159$5.5M
outflow2223Lehigh County, PA84179$2.9M
outflow2223Miami-Dade County, FL77124$6.0M
inflow2223Somerset County, NJ77128$8.4M
outflow2223Camden County, NJ77155$3.7M
outflow2223Westchester County, NY74109$3.0M
outflow2223Warren County, NJ70138$4.8M
inflow2223Monmouth County, NJ6895$8.4M
inflow2223Nassau County, NY67113$4.4M
inflow2223Orange County, NY65108$5.1M
inflow2223Miami-Dade County, FL65106$3.0M
outflow2223Lee County, FL64116$7.1M
inflow2223Philadelphia County, PA6299$3.8M
outflow2223Northampton County, PA5996$4.1M
outflow2223Foreign - Overseas, FR56104$3.8M
inflow2223Luzerne County, PA56100$1.3M
outflow2223Foreign - Other flows, FR5481$1.5M
outflow2223Rockland County, NY5397$3.5M
outflow2223Wake County, NC50106$2.9M
outflow2223Osceola County, FL50100$1.7M
outflow2223Nassau County, NY5085$4.4M
inflow2223Suffolk County, NY5080$4.4M
outflow2223Mecklenburg County, NC5083$2.5M
inflow2223Palm Beach County, FL5071$3.9M
inflow2223Broward County, FL5078$1.8M
outflow2223Burlington County, NJ49104$2.7M
outflow2223Polk County, FL47100$2.4M
outflow2223Mercer County, NJ4381$2.5M
outflow2223Maricopa County, AZ4363$3.7M
inflow2223Lehigh County, PA4277$1.6M
inflow2223Orange County, FL4272$2.3M
outflow2223Berks County, PA4275$1.5M
outflow2223Pinellas County, FL4166$3.4M
outflow2223Los Angeles County, CA4156$2.4M
inflow2223Warren County, NJ4057$2.2M
outflow2223Lackawanna County, PA4087$1.7M
outflow2223Cook County, IL3972$2.2M
inflow2223Los Angeles County, CA3955$4.5M
outflow2223Manatee County, FL3755$2.8M
outflow2223Pike County, PA3758$2.2M
outflow2223Harris County, TX3680$2.1M
inflow2223Mercer County, NJ3552$4.0M
outflow2223Sarasota County, FL3452$5.1M
outflow2223Clark County, NV3454$3.1M
outflow2223San Diego County, CA3452$2.5M
outflow2223Suffolk County, NY3346$2.5M
outflow2223Gwinnett County, GA3385$2.1M
outflow2223Providence County, RI3360$1.0M
inflow2223Monroe County, PA3245$1.4M
inflow2223Richmond County, NY3273$3.6M
inflow2223Camden County, NJ3264$1.8M
outflow2223Richmond County, NY3259$1.7M
outflow2223Essex County, MA3260$1.2M
outflow2223Capitol Planning Region, CT3260$2.5M
inflow2223Foreign - Overseas, FR3270$1.6M
outflow2223Franklin County, OH3163$1.1M
outflow2223Horry County, SC3156$3.4M
outflow2223Seminole County, FL3158$2.6M
outflow2223Hunterdon County, NJ3148$2.2M
outflow2223Gloucester County, NJ3056$2.6M
outflow2223Pasco County, FL3073$2.5M
inflow2223Burlington County, NJ3044$1.6M
inflow2223Foreign - Other flows, FR3050$785K
outflow2223Duval County, FL2849$1.5M
outflow2223Western Connecticut Planning Regi, CT2851$4.1M
inflow2223Mecklenburg County, NC2848$990K
outflow2223South Central Connecticut Plannin, CT2847$1.2M
outflow2223Sussex County, DE2848$3.5M
inflow2223Hillsborough County, FL2747$890K
inflow2223Osceola County, FL2746$1.0M
inflow2223Maricopa County, AZ2636$1.2M
outflow2223Atlantic County, NJ2641$1.9M
outflow2223Collier County, FL2652$5.1M
outflow2223District of Columbia, DC2627$1.3M
outflow2223Fulton County, GA2539$1.7M
outflow2223New Castle County, DE2438$2.2M
outflow2223Suffolk County, MA2431$1.1M
outflow2223Montgomery County, PA2434$1.6M
outflow2223Dallas County, TX2438$1.7M
inflow2223Cook County, IL2343$2.1M
outflow2223Macomb County, MI2369$1.1M
outflow2223Lancaster County, PA2344$1.0M
outflow2223Collin County, TX2365$2.3M
outflow2223Travis County, TX2326$1.7M
inflow2223Northampton County, PA2331$932K
inflow2223Berks County, PA2236$480K
outflow2223Dauphin County, PA2150$573K
inflow2223Western Connecticut Planning Regi, CT2128$1.5M
outflow2223DeKalb County, GA2031$951K
outflow2223Erie County, NY2066$1.3M
outflow2223Delaware County, PA2045$1.7M
outflow2223Virginia Beach city, VA2036$898K
inflow2223Essex County, MA2041$582K
outflow2223Volusia County, FL2049$1.8M
outflow2122Foreign - Other flows, FR———
outflow2122Bergen County, NJ2,9215,093$203.1M
inflow2122Bergen County, NJ2,8454,911$216.2M
outflow2122Morris County, NJ1,4402,542$135.1M
outflow2122Essex County, NJ1,4072,305$95.6M
inflow2122Essex County, NJ1,1751,921$89.8M
outflow2122Other flows - South, DS1,1232,123$89.9M
inflow2122Hudson County, NJ8851,550$77.5M
inflow2122Morris County, NJ7501,151$75.3M
inflow2122Other flows - South, DS6881,154$34.3M
outflow2122Hudson County, NJ631900$44.3M
inflow2122Bronx County, NY5851,093$25.4M
outflow2122Sussex County, NJ468864$35.6M
outflow2122Other flows - Northeast, DS404692$29.5M
inflow2122Other flows - Northeast, DS366564$22.1M
inflow2122Queens County, NY357733$26.2M
inflow2122Kings County, NY337572$23.7M
inflow2122New York County, NY321549$37.5M
outflow2122Other flows - West, DS297448$22.9M
outflow2122Ocean County, NJ287465$28.2M
outflow2122Middlesex County, NJ264463$18.1M
outflow2122Other flows - Midwest, DS245508$17.1M
outflow2122Union County, NJ241385$14.7M
outflow2122New York County, NY235307$19.2M
inflow2122Other flows - West, DS205330$11.4M
outflow2122Foreign - Puerto Rico, FR202246$1.1M
outflow2122Bronx County, NY199352$6.5M
inflow2122Sussex County, NJ186283$14.3M
inflow2122Union County, NJ184291$10.0M
inflow2122Middlesex County, NJ176295$13.1M
outflow2122Luzerne County, PA175363$5.2M
outflow2122Queens County, NY146219$8.0M
outflow2122Somerset County, NJ140244$15.3M
outflow2122Kings County, NY133186$7.2M
outflow2122Monmouth County, NJ133213$25.9M
outflow2122Broward County, FL127222$11.6M
inflow2122Other flows - Midwest, DS123200$7.0M
inflow2122Rockland County, NY122213$10.2M
inflow2122Ocean County, NJ117176$7.6M
outflow2122Palm Beach County, FL117220$19.1M
inflow2122Westchester County, NY113198$9.0M
outflow2122Orange County, FL110224$6.5M
outflow2122Warren County, NJ107187$8.7M
outflow2122Hillsborough County, FL99173$5.7M
outflow2122Orange County, NY98174$7.4M
inflow2122Orange County, NY95132$5.4M
outflow2122Lee County, FL93162$8.0M
outflow2122Osceola County, FL91172$4.6M
outflow2122Miami-Dade County, FL89145$5.5M
outflow2122Philadelphia County, PA85131$5.0M
inflow2122Monmouth County, NJ73105$6.0M
outflow2122Rockland County, NY72127$5.6M
outflow2122Camden County, NJ72131$3.6M
outflow2122Northampton County, PA67122$4.4M
outflow2122Burlington County, NJ67114$4.0M
outflow2122Los Angeles County, CA6793$5.5M
inflow2122Nassau County, NY66116$4.8M
outflow2122Monroe County, PA65129$3.7M
outflow2122Mercer County, NJ63112$4.9M
outflow2122Lehigh County, PA63143$3.1M
outflow2122Gwinnett County, GA61127$3.7M
outflow2122Polk County, FL57106$3.3M
outflow2122Mecklenburg County, NC54102$3.8M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Passaic County.

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

2023PurchaseNo CharacteristicAll Appraisals1,746.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals602.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,348.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals505,000.0
2023BothNo CharacteristicAll Appraisals515,000.0
2023PurchaseNo CharacteristicAll Appraisals515,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals470,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals480,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,237.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals455,000.0
2022BothNo CharacteristicAll Appraisals3,735.0
2022PurchaseNo CharacteristicAll Appraisals2,498.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals435,000.0
2021BothNo CharacteristicAll Appraisals6,610.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals3,171.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals3,439.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals440,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals447,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals6,892.0
2020PurchaseNo CharacteristicAll Appraisals2,990.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals410,000.0
2020RefinanceNo CharacteristicAll Appraisals415,000.0
2020RefinanceNo CharacteristicAll Appraisals3,902.0
2020PurchaseNo CharacteristicAll Appraisals402,300.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals380,000.0
2019PurchaseNo CharacteristicAll Appraisals2,464.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals395,000.0
2019BothNo CharacteristicAll Appraisals4,713.0
2019RefinanceNo CharacteristicAll Appraisals2,249.0
2019PurchaseNo CharacteristicAll Appraisals370,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals372,500.0
2018BothNo CharacteristicAll Appraisals3,616.0
2018PurchaseNo CharacteristicAll Appraisals2,354.0
2018RefinanceNo CharacteristicAll Appraisals1,262.0
2018BothNo CharacteristicAll Appraisals360,000.0
2018PurchaseNo CharacteristicAll Appraisals355,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals365,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals3,762.0
2017PurchaseNo CharacteristicAll Appraisals2,249.0
2017PurchaseNo CharacteristicAll Appraisals351,000.0
2017RefinanceNo CharacteristicAll Appraisals1,513.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals360,000.0
2016PurchaseNo CharacteristicAll Appraisals2,068.0
2016RefinanceNo CharacteristicAll Appraisals375,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals330,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals350,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals4,561.0
2016RefinanceNo CharacteristicAll Appraisals2,493.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals320,500.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals367,000.0
2015BothNo CharacteristicAll Appraisals3,793.0
2015RefinanceNo CharacteristicAll Appraisals1,943.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals1,850.0
2015BothNo CharacteristicAll Appraisals345,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals335,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05275,809262,80813,0014.7%
2026-04274,967262,22212,7454.6%
2026-03276,909261,75815,1515.5%
2026-02275,643258,98116,6626.0%
2026-01274,335259,05015,2855.6%
2025-12275,470261,29814,1725.1%
2025-11275,405260,97914,4265.2%
2025-09273,518255,73617,7826.5%
2025-08277,098258,23718,8616.8%
2025-07278,409259,32019,0896.9%
2025-06274,457257,54616,9116.2%
2025-05272,628257,01415,6145.7%
2025-04275,676260,13815,5385.6%
2025-03279,434262,35617,0786.1%
2025-02279,020261,43617,5846.3%
2025-01276,432259,82216,6106.0%
2024-12276,491262,09914,3925.2%
2024-11276,156261,92714,2295.2%
2024-10276,296262,30413,9925.1%
2024-09273,308259,38513,9235.1%
2024-08278,755261,94716,8086.0%
2024-07281,136263,47817,6586.3%
2024-06276,554261,38915,1655.5%
2024-05273,897260,19313,7045.0%
2024-04276,258262,94313,3154.8%
2024-03278,057263,04615,0115.4%
2024-02276,985261,00815,9775.8%
2024-01274,053258,43315,6205.7%
2023-12274,256260,54413,7125.0%
2023-11274,170261,21012,9604.7%
2023-10273,500259,74513,7555.0%
2023-09271,004256,98514,0195.2%
2023-08275,976259,97216,0045.8%
2023-07277,057261,49315,5645.6%
2023-06274,044259,54214,5025.3%
2023-05272,597259,07713,5205.0%
2023-04273,322261,62211,7004.3%
2023-03275,985262,57713,4084.9%
2023-02275,483261,20114,2825.2%
2023-01272,083258,50113,5825.0%
2022-12271,485260,62210,8634.0%
2022-11270,091260,00110,0903.7%
2022-10270,275260,4599,8163.6%
2022-09266,114256,9509,1643.4%
2022-08269,353258,56810,7854.0%
2022-07269,310257,55111,7594.4%
2022-06266,091254,61211,4794.3%
2022-05263,300252,27211,0284.2%
2022-04263,653251,80611,8474.5%
2022-03264,952250,83514,1175.3%
2022-02263,782247,53316,2496.2%
2022-01261,830243,75718,0736.9%
2021-12261,961245,57916,3826.3%
2021-11260,949244,63216,3176.3%
2021-10260,864242,99317,8716.9%
2021-09258,168238,21019,9587.7%
2021-08261,944239,16422,7808.7%
2021-07264,885240,28224,6039.3%
2021-06262,462237,28625,1769.6%
2021-05258,730236,50522,2258.6%
2021-04260,550237,70822,8428.8%
2021-03262,330237,97424,3569.3%
2021-02261,701236,54225,1599.6%
2021-01259,456233,90325,5539.8%
2020-12256,086233,06123,0259.0%
2020-11255,981233,08022,9018.9%
2020-10254,272232,40021,8728.6%
2020-09248,194224,52823,6669.5%
2020-08270,106225,60444,50216.5%
2020-07268,834218,88249,95218.6%
2020-06263,362216,36247,00017.8%
2020-05257,577208,48649,09119.1%
2020-04253,560209,10244,45817.5%
2020-03269,478253,57415,9045.9%
2020-02270,945257,52713,4185.0%
2020-01269,030255,32013,7105.1%
2019-12267,977256,84411,1334.2%
2019-11266,485256,11310,3723.9%
2019-10265,870255,72910,1413.8%
2019-09261,952251,9779,9753.8%
2019-08262,977251,53511,4424.4%
2019-07264,575252,66711,9084.5%
2019-06260,431250,5939,8383.8%
2019-05258,299249,4588,8413.4%
2019-04258,425249,8368,5893.3%
2019-03261,230250,27710,9534.2%
2019-02261,379249,29712,0824.6%
2019-01258,742246,07512,6674.9%
2018-12258,695248,57810,1173.9%
2018-11257,144247,9669,1783.6%
2018-10256,876247,2169,6603.8%
2018-09252,951242,44410,5074.2%
2018-08255,407243,00712,4004.9%
2018-07259,767245,88113,8865.3%
2018-06257,495244,31513,1805.1%
2018-05254,851243,42511,4264.5%
2018-04255,980243,69412,2864.8%
2018-03258,337244,01714,3205.5%
2018-02258,571243,34815,2235.9%
2018-01255,100240,20314,8975.8%

BEA Personal Income

2024$32.85B526,597$62K
2023$31.18B520,219$60K
2022$29.47B516,287$57K
2021$30.27B518,494$58K
2020$28.23B523,464$54K
2019$26.16B523,141$50K
2018$24.61B522,194$47K
2017$23.60B521,102$45K
2016$22.99B518,399$44K
2015$22.70B516,646$44K
2014$22.17B514,271$43K
2013$21.23B511,301$42K
2012$20.99B508,715$41K
2011$20.74B506,133$41K
2010$20.00B502,584$40K
2009$19.34B498,641$39K
2008$19.43B494,904$39K
2007$18.85B492,886$38K
2006$18.00B492,730$37K
2005$17.07B493,600$35K
2004$16.40B493,981$33K
2003$16.02B494,915$32K
2002$15.81B494,571$32K
2001$15.61B493,252$32K
2000$15.14B490,733$31K
1999$14.01B488,131$29K
1998$13.42B485,760$28K
1997$12.94B484,283$27K
1996$12.10B481,892$25K
1995$11.68B479,717$24K
1994$11.07B478,164$23K
1993$10.77B475,951$23K
1992$10.41B472,484$22K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-05-23$0——Yes
2025-07-21$20K$18K$1KYes
2025-07-05$0$0$0Yes
2024-09-26$0$0$0Yes
2024-08-25$262K$0$262KNo
2024-08-06$11K$0$11KNo
2024-08-06$2K$1K$579.94Yes
2024-08-06$26K$0$26KNo
2024-04-05$922.15$922.15$0Yes
2024-04-04$2K$2K$0No
2024-03-23$0$0$0Yes
2024-03-11$959.57$959.57$0Yes
2024-03-10$0$0$0No
2024-03-09$500K$0$500KNo
2024-03-09$0$0$0No
2024-01-17$13K$13K$0No
2024-01-17$0——No
2024-01-16$8K$8K$0No
2024-01-16$10K$10K$0Yes
2024-01-16$32K$32K$0No
2024-01-16$0$0$0No
2024-01-14$5K$5K$0Yes
2024-01-14$24K$24K$0Yes
2024-01-13$0$0$0Yes
2024-01-13$14K$14K$0Yes
2024-01-12$4K$4K$0No
2024-01-12$516.34$516.34$0No
2024-01-12$37K$37K$0Yes
2024-01-12$1K$1K$0No
2024-01-12$17K$17K$0No
2024-01-12$0$0$0Yes
2024-01-12$1K$1K$0Yes
2024-01-12$16K$16K$0Yes
2024-01-12$10K$10K$0No
2024-01-12$3K$3K$0Yes
2024-01-12$16K$16K$0No
2024-01-11$9K$9K$0Yes
2024-01-11$4K$4K$0Yes
2024-01-11$0$0$0No
2024-01-11$0$0$0No
2024-01-11$82K$82K$0No
2024-01-11$0$0$0Yes
2024-01-11$5K$5K$0Yes
2024-01-11$0$0$0Yes
2024-01-11$36K$36K$0Yes
2024-01-11$20K$20K$0Yes
2024-01-11$473.81$473.81$0Yes
2024-01-11$2K$2K$0Yes
2024-01-11$13K$13K$0Yes
2024-01-11$500K$0$500KNo
2024-01-11$0$0$0No
2024-01-11$20K$8K$12KYes
2024-01-11$0$0$0No
2024-01-10$3K$3K$0Yes
2024-01-10$1K$1K$0Yes
2024-01-10$3K$3K$0Yes
2024-01-10$0$0$0Yes
2024-01-10$1K$1K$0Yes
2024-01-10$0$0$0No
2024-01-10$8K$8K$0Yes
2024-01-10$546.59$546.59$0Yes
2024-01-10$23K$23K$0No
2024-01-10$49K$49K$0Yes
2024-01-10$3K$3K$0No
2024-01-10$17K$17K$0Yes
2024-01-10$11K$11K$0Yes
2024-01-10$9K$9K$0Yes
2024-01-10$22K$22K$0No
2024-01-10$23K$23K$0Yes
2024-01-10$10K$10K$0No
2024-01-10$2K$2K$0Yes
2024-01-10$12K$12K$0No
2024-01-10$5K$3K$2KYes
2024-01-10$0$0$0Yes
2024-01-10$19K$19K$0Yes
2024-01-10$0$0$0Yes
2024-01-10$17K$17K$0Yes
2024-01-10$579.13$579.13$0Yes
2024-01-10$805.71$805.71$0Yes
2024-01-10$5K$5K$0Yes
2024-01-10$2K$2K$0Yes
2024-01-10$0$0$0Yes
2024-01-10$5K$5K$0Yes
2024-01-10$6K$6K$0Yes
2024-01-09$0$0$0Yes
2024-01-09$12K$12K$0Yes
2024-01-09$0$0$0No
2024-01-09$225K$225K$0No
2024-01-09$14K$14K$0Yes
2024-01-09$1K$1K$0Yes
2024-01-09$0$0$0No
2024-01-09$14K$14K$0No
2024-01-09$2K$2K$0Yes
2024-01-09$8K$5K$3KYes
2024-01-09$0$0$0Yes
2024-01-08$12K$12K$0Yes
2024-01-08$2K$2K$0Yes
2024-01-08$0——Yes
2023-12-30$2K$2K$0Yes
2023-12-28$12K$12K$0Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN PASSAIC COUNTY →Opens the loan explorer already filtered to county FIPS 34031.

See the New Jersey state market profile for the statewide picture, the New Jersey 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.