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State markets/New Jersey/Somerset County

COUNTY MORTGAGE MARKET · FIPS 34035

Somerset County, New Jersey

Who lends in Somerset 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

$2.95B

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

Originations · 2025

6,703

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

Denial rate · 2025

15.5%

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

Lenders active · 2025

413

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

Concentration (HHI)

201

unconcentrated

Top-5 lender share

23.0%

of originations

Purchase

58.6%

3,106 loans

Refinance

41.4%

2,195 loans

Origination trend

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

Lenders in Somerset 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 Somerset 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 SOMERSET COUNTY →

TOP TEN LENDERS IN SOMERSET 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.

538$186.5M$186.5M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
290$144.1M$144.1M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
275$134.6M$134.6M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$110.3M$110.3M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
313$102.7M$102.7M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
203$101.8M$101.8M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
166$94.8M$94.8M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
150$85.5M$85.5M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
278$76.0M$76.0M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
233$73.6M$73.6M originated in Somerset 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 Somerset County

All 33 ZIP Code Tabulation Areas that touch Somerset 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
1010 of the 11 Somerset County tracts this ZIP area touches sit mostly inside it.56,21468.6%14,301——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Somerset County tracts this ZIP area touches sit mostly inside it.43,72440.5%12,109——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Somerset County tracts this ZIP area touches sit mostly inside it.40,58242.0%11,227——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Somerset County tracts this ZIP area touches sit mostly inside it.27,83035.2%8,019——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Somerset County tracts this ZIP area touches sit mostly inside it.20,90039.7%4,960——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Somerset County tracts this ZIP area touches sit mostly inside it.18,57680.6%3,002——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Somerset County tracts this ZIP area touches sit mostly inside it.15,92333.6%4,640——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.14,46357.8%4,180——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Somerset County tracts this ZIP area touches sit mostly inside it.11,98869.6%1,784——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.10,95342.9%2,896——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.10,25156.0%2,617——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.8,27225.5%3,180——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.7,89324.9%2,198——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.7,83547.4%1,697——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Somerset County tract this ZIP area touches sit mostly inside it.7,28143.2%2,047——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.6,44933.3%1,711——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Somerset County tract this ZIP area touches sit mostly inside it.6,38626.4%2,051——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.6,26648.8%1,727——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.5,39525.7%1,597——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.4,86354.5%959——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.4,86072.7%1,380——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.4,23267.2%1,287——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 6 Somerset County tracts this ZIP area touches sit mostly inside it.3,48219.4%891——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Somerset County tract this ZIP area touches sit mostly inside it.74318.7%206——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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.

74 of Somerset County’s 74 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 Somerset County

All 74 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.

74 OF 74 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle86.7%3,03242.5%OPEN →
Moderate72.3%2,71461.6%OPEN →
Middle93.6%3,40035.3%OPEN →
Moderate76.6%3,20066.0%OPEN →
Moderate67.6%3,53855.2%OPEN →
Upper121.7%4,29741.0%OPEN →
Upper131.8%4,15633.6%OPEN →
Upper167.1%4,83662.8%OPEN →
Upper143.2%6,79358.1%OPEN →
Upper155.3%4,02421.6%OPEN →
Upper140.2%4,76036.5%OPEN →
Upper148.4%4,81923.9%OPEN →
Upper142.8%3,87527.4%OPEN →
Upper190.3%5,39525.7%OPEN →
Moderate78.5%7,31952.5%OPEN →
Low43.6%4,53079.8%OPEN →
Moderate68.0%5,21873.0%OPEN →
Middle95.4%2,24041.3%OPEN →
Middle92.7%4,35639.7%OPEN →
Middle82.8%3,41846.7%OPEN →
Moderate68.2%3,17943.2%OPEN →
Moderate77.6%5,24689.8%OPEN →
Moderate74.2%4,43382.8%OPEN →
Middle114.0%4,23267.2%OPEN →
Middle89.3%4,01471.5%OPEN →
Moderate53.4%4,88376.1%OPEN →
Upper145.3%7,28143.2%OPEN →
Upper149.9%5,70433.3%OPEN →
Upper201.2%5,27135.7%OPEN →
Upper161.9%4,94831.8%OPEN →
Upper139.8%6,44933.3%OPEN →
Upper182.5%5,41719.4%OPEN →
Upper134.1%4,41129.4%OPEN →
Upper146.2%4,13323.9%OPEN →
Upper200.9%5,93564.3%OPEN →
Upper144.3%4,27630.2%OPEN →
Upper199.9%3,61718.7%OPEN →
Upper124.7%2,55819.4%OPEN →
Upper131.4%92419.4%OPEN →
Upper148.1%2,27519.8%OPEN →
Upper136.1%3,49330.3%OPEN →
Upper138.3%2,50424.1%OPEN →
Middle82.0%4,86354.5%OPEN →
Middle87.9%3,57172.8%OPEN →
Middle107.2%4,99567.0%OPEN →
Middle101.0%7,69962.7%OPEN →
Middle89.3%7,72388.0%OPEN →
Moderate61.0%6,10191.0%OPEN →
Upper149.8%7,29066.7%OPEN →
Moderate64.9%4,86072.7%OPEN →
Upper179.0%4,12963.7%OPEN →
Middle97.9%6,67881.9%OPEN →
Middle103.1%6,05847.6%OPEN →
Upper171.7%6,38626.4%OPEN →
Upper125.7%4,80421.1%OPEN →
Upper133.7%3,75027.2%OPEN →
Upper127.5%3,88633.7%OPEN →
Upper156.2%2,90027.9%OPEN →
Upper130.2%7,13548.7%OPEN →
Upper146.0%4,86444.5%OPEN →
Upper160.4%3,87534.0%OPEN →
Upper155.3%44815.2%OPEN →
Middle115.4%4,80345.5%OPEN →
Middle111.7%6,46843.1%OPEN →
Upper157.2%2,46725.6%OPEN →
Upper216.8%6,87843.2%OPEN →
Middle110.5%74318.7%OPEN →
Upper196.1%3,62245.4%OPEN →
Upper205.5%6,62961.8%OPEN →
Upper181.6%7,93433.3%OPEN →
Upper191.4%7,17348.8%OPEN →
Upper204.6%6,26648.8%OPEN →
Middle96.6%3,45740.3%OPEN →
Middle98.7%5,80352.7%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

349,846

Median household income

$140,374

Median home value

$552,100

Median gross rent

$2,033

per month

Owner-occupied

74.3%

of occupied units

Housing units

133,639

2.1% vacant

Poverty rate

5.4%

Unemployment

4.7%

Natural-hazard exposure

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

Overall risk

Relatively Moderate

score 90.9

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Strong wind 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

81

Declarations recorded

30

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

Everything we hold on Somerset 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 Somerset County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Somerset County →Every reported application and origination in FIPS 34035, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Somerset 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

114

—

Purchase share

44.7%

51 loans

IRRRL refinances

45

Cash-out refinances

18

2026114—514518
2025109—652519
202470—39823
202387—70116
2022——733435
2021351—7523937
2020315—9617742
2019130—702040
2018137—821540
2017164—814241
2016160—694645
2015147—644637

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 Somerset 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

Somerset 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

267

−16.6% vs 2024

Multifamily · 2025

496

+57.5% vs 2024

Total authorized · 2025

763

+20.2% vs 2024

Permit valuation · 2025

$129.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K1990199219941996199820002002200420062008201020122014201620182020202220242025763 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 Somerset County, showing population movement and wealth transfer.

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

inflow2223Middlesex County, NJ2,6624,830$253.8M
outflow2223Middlesex County, NJ1,8683,200$143.9M
inflow2223Union County, NJ1,2382,251$107.5M
outflow2223Other flows - South, DS9921,795$133.5M
inflow2223Other flows - South, DS7571,220$71.7M
outflow2223Union County, NJ7131,223$55.7M
outflow2223Hunterdon County, NJ6891,202$83.1M
inflow2223Morris County, NJ6741,121$143.5M
outflow2223Morris County, NJ538919$95.5M
inflow2223Hudson County, NJ515916$82.9M
outflow2223Other flows - Northeast, DS509778$61.7M
inflow2223Essex County, NJ483854$52.3M
outflow2223New York County, NY446484$116.8M
inflow2223Other flows - Northeast, DS435682$46.7M
outflow2223Hudson County, NJ433518$52.5M
outflow2223Mercer County, NJ428765$54.2M
inflow2223Hunterdon County, NJ400614$54.6M
inflow2223Mercer County, NJ327576$43.5M
outflow2223Monmouth County, NJ305471$49.1M
outflow2223Ocean County, NJ265421$39.6M
outflow2223Other flows - West, DS248377$39.1M
inflow2223Bergen County, NJ245435$31.4M
outflow2223Essex County, NJ244367$21.0M
outflow2223Other flows - Midwest, DS243399$25.7M
inflow2223Other flows - Midwest, DS243421$29.2M
inflow2223Monmouth County, NJ217326$20.7M
inflow2223New York County, NY207285$38.1M
inflow2223Kings County, NY197352$18.5M
outflow2223Burlington County, NJ183310$15.6M
inflow2223Queens County, NY163293$14.9M
outflow2223Philadelphia County, PA161196$13.0M
outflow2223Warren County, NJ158273$12.9M
inflow2223Other flows - West, DS156256$18.6M
inflow2223Ocean County, NJ155227$14.6M
outflow2223Kings County, NY142184$17.8M
outflow2223Bergen County, NJ140214$17.4M
inflow2223Passaic County, NJ136241$11.5M
outflow2223Foreign - Overseas, FR114208$33.2M
outflow2223Northampton County, PA113191$9.9M
outflow2223Bucks County, PA111199$18.9M
inflow2223Warren County, NJ95139$6.8M
outflow2223Los Angeles County, CA93115$7.4M
outflow2223Palm Beach County, FL90150$28.2M
inflow2223Philadelphia County, PA87119$7.2M
inflow2223Richmond County, NY81158$8.5M
outflow2223Passaic County, NJ77128$8.4M
outflow2223Suffolk County, MA7582$5.3M
outflow2223Queens County, NY7596$6.8M
inflow2223Burlington County, NJ74105$5.4M
inflow2223Foreign - Other flows, FR73129$8.6M
outflow2223Middlesex County, MA70107$9.0M
outflow2223Mecklenburg County, NC6795$8.0M
inflow2223Nassau County, NY67106$6.3M
inflow2223Suffolk County, NY6296$12.1M
outflow2223Montgomery County, PA6298$8.0M
outflow2223Camden County, NJ6195$5.7M
inflow2223Bronx County, NY5996$4.4M
outflow2223Orange County, FL58103$10.2M
outflow2223Harris County, TX56104$11.1M
outflow2223Sussex County, NJ5684$5.6M
outflow2223King County, WA5480$8.8M
inflow2223Bucks County, PA5483$5.5M
outflow2223Travis County, TX5479$8.0M
outflow2223Broward County, FL5390$9.4M
inflow2223Sussex County, NJ5271$5.4M
outflow2223District of Columbia, DC5053$3.9M
outflow2223Cook County, IL5059$3.3M
inflow2223Middlesex County, MA4877$8.2M
outflow2223Wake County, NC4890$6.5M
inflow2223Camden County, NJ4874$3.6M
inflow2223Northampton County, PA4866$3.6M
outflow2223Lehigh County, PA4681$4.7M
outflow2223Collin County, TX43118$8.5M
inflow2223Los Angeles County, CA4359$3.9M
outflow2223Miami-Dade County, FL4353$11.4M
outflow2223Monroe County, PA4269$4.7M
outflow2223Lee County, FL4271$8.5M
inflow2223Montgomery County, PA4265$6.0M
outflow2223Hillsborough County, FL4282$5.9M
outflow2223Fairfax County, VA4264$7.9M
outflow2223San Diego County, CA4162$6.2M
outflow2223New Castle County, DE3966$8.4M
inflow2223Westchester County, NY3966$5.3M
outflow2223Clark County, NV3750$5.1M
inflow2223Palm Beach County, FL3758$4.3M
inflow2223Cook County, IL3770$4.4M
outflow2223Bronx County, NY3757$1.5M
outflow2223Maricopa County, AZ3757$5.3M
outflow2223Sussex County, DE3767$6.7M
inflow2223King County, WA3657$5.2M
outflow2223Montgomery County, MD3554$4.8M
outflow2223San Francisco County, CA3540$7.1M
outflow2223Santa Clara County, CA3557$8.5M
outflow2223Chester County, PA3565$5.1M
outflow2223Collier County, FL3567$17.0M
inflow2223Suffolk County, MA3441$3.5M
outflow2223Sarasota County, FL3359$5.9M
outflow2223Arlington County, VA3334$2.2M
outflow2223Richmond County, NY3248$2.5M
outflow2223Dallas County, TX3149$3.6M
outflow2223Fulton County, GA3157$8.6M
inflow2223Allegheny County, PA3039$2.7M
inflow2223San Diego County, CA3049$3.7M
outflow2223Pinellas County, FL2941$3.1M
inflow2223Atlantic County, NJ2943$2.0M
outflow2223Orange County, CA2957$6.7M
outflow2223Manatee County, FL2950$6.0M
outflow2223Osceola County, FL2949$2.4M
inflow2223Hillsborough County, FL2952$3.1M
inflow2223Montgomery County, MD2956$5.6M
outflow2223Horry County, SC2856$2.6M
outflow2223Gloucester County, NJ2860$2.1M
outflow2223Allegheny County, PA2740$3.0M
outflow2223Atlantic County, NJ2640$2.2M
outflow2223Davidson County, TN2633$2.6M
outflow2223Western Connecticut Planning Regi, CT2543$8.2M
inflow2223Harris County, TX2549$2.9M
outflow2223Nassau County, NY2533$2.7M
inflow2223Baltimore city, MD2438$2.6M
outflow2223Alameda County, CA2429$3.0M
inflow2223Capitol Planning Region, CT2439$3.1M
inflow2223South Central Connecticut Plannin, CT2433$2.3M
inflow2223Santa Clara County, CA2340$4.9M
outflow2223Duval County, FL2336$3.8M
outflow2223Denton County, TX2358$4.5M
inflow2223Collin County, TX2363$4.3M
inflow2223Orange County, CA2236$2.1M
inflow2223Maricopa County, AZ2243$2.0M
inflow2223Miami-Dade County, FL2236$2.8M
outflow2223Westchester County, NY2243$2.4M
outflow2223Denver County, CO2225$1.5M
inflow2223Alameda County, CA2145$3.0M
outflow2223Baltimore city, MD2124$1.6M
outflow2223Worcester County, MA2134$2.0M
inflow2223San Francisco County, CA2124$4.2M
inflow2223Travis County, TX2132$2.4M
outflow2223Prince George's County, MD2028$1.9M
outflow2223Baltimore County, MD2031$1.1M
outflow2223Franklin County, OH2032$2.3M
inflow2223Gloucester County, NJ2042$1.9M
inflow2223Arlington County, VA2022$1.9M
inflow2223Fairfax County, VA2028$2.6M
outflow2223Foreign - Other flows, FR2036$790K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Middlesex County, NJ2,7134,954$242.2M
outflow2122Middlesex County, NJ1,8753,225$230.1M
inflow2122Union County, NJ1,3202,500$120.4M
outflow2122Other flows - South, DS9401,678$146.3M
outflow2122Union County, NJ8081,361$63.7M
outflow2122Hunterdon County, NJ7481,362$95.0M
inflow2122Other flows - South, DS7081,172$81.2M
inflow2122Morris County, NJ6851,219$122.8M
outflow2122Morris County, NJ5891,035$108.5M
inflow2122Hudson County, NJ5401,007$87.9M
inflow2122Essex County, NJ524973$62.9M
outflow2122Other flows - Northeast, DS510828$107.2M
outflow2122Hudson County, NJ463566$62.4M
inflow2122Hunterdon County, NJ403619$42.6M
inflow2122Other flows - Northeast, DS396649$43.3M
outflow2122New York County, NY377417$56.9M
outflow2122Mercer County, NJ363654$53.2M
inflow2122Mercer County, NJ358626$47.6M
outflow2122Ocean County, NJ312531$63.8M
outflow2122Monmouth County, NJ301489$64.0M
outflow2122Essex County, NJ260423$24.3M
inflow2122Bergen County, NJ258481$29.6M
outflow2122Other flows - Midwest, DS255458$28.5M
outflow2122Other flows - West, DS241401$29.5M
inflow2122Kings County, NY232397$23.0M
inflow2122Monmouth County, NJ229342$26.4M
inflow2122Other flows - Midwest, DS226398$26.8M
inflow2122Other flows - West, DS209331$26.6M
inflow2122New York County, NY206329$57.9M
inflow2122Ocean County, NJ171254$16.5M
inflow2122Queens County, NY168323$15.6M
outflow2122Warren County, NJ164283$12.8M
outflow2122Kings County, NY149192$15.9M
inflow2122Passaic County, NJ140244$15.3M
outflow2122Burlington County, NJ139253$15.2M
outflow2122Bergen County, NJ137224$17.7M
outflow2122Philadelphia County, PA134159$13.7M
inflow2122Richmond County, NY128206$13.1M
outflow2122Bucks County, PA114194$26.7M
outflow2122Palm Beach County, FL111203$81.2M
outflow2122Northampton County, PA101181$10.2M
outflow2122Los Angeles County, CA99123$12.6M
inflow2122Warren County, NJ97161$8.2M
inflow2122Burlington County, NJ85134$6.0M
inflow2122Philadelphia County, PA78122$9.1M
inflow2122Sussex County, NJ77111$7.2M
outflow2122Queens County, NY7595$8.5M
inflow2122Bronx County, NY70122$4.7M
inflow2122Los Angeles County, CA69103$5.9M
outflow2122Wake County, NC68154$8.3M
outflow2122Middlesex County, MA67108$10.2M
outflow2122King County, WA67104$11.8M
inflow2122Nassau County, NY65100$8.0M
outflow2122Montgomery County, PA63105$7.2M
inflow2122Suffolk County, NY6298$8.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Somerset County.

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

2023PurchaseNo CharacteristicAll Appraisals1,955.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals542.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,497.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals607,500.0
2023BothNo CharacteristicAll Appraisals640,000.0
2023PurchaseNo CharacteristicAll Appraisals650,000.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals585,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals594,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,092.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals573,500.0
2022BothNo CharacteristicAll Appraisals3,910.0
2022PurchaseNo CharacteristicAll Appraisals2,818.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals570,000.0
2021BothNo CharacteristicAll Appraisals7,011.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals3,544.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals3,467.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals560,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals545,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals7,157.0
2020PurchaseNo CharacteristicAll Appraisals3,092.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals524,000.0
2020RefinanceNo CharacteristicAll Appraisals555,000.0
2020RefinanceNo CharacteristicAll Appraisals4,065.0
2020PurchaseNo CharacteristicAll Appraisals490,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals505,000.0
2019PurchaseNo CharacteristicAll Appraisals2,879.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals530,000.0
2019BothNo CharacteristicAll Appraisals5,276.0
2019RefinanceNo CharacteristicAll Appraisals2,397.0
2019PurchaseNo CharacteristicAll Appraisals485,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals510,000.0
2018BothNo CharacteristicAll Appraisals4,078.0
2018PurchaseNo CharacteristicAll Appraisals2,717.0
2018RefinanceNo CharacteristicAll Appraisals1,361.0
2018BothNo CharacteristicAll Appraisals490,000.0
2018PurchaseNo CharacteristicAll Appraisals481,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals488,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals4,550.0
2017PurchaseNo CharacteristicAll Appraisals2,745.0
2017PurchaseNo CharacteristicAll Appraisals470,000.0
2017RefinanceNo CharacteristicAll Appraisals1,805.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals480,000.0
2016PurchaseNo CharacteristicAll Appraisals2,538.0
2016RefinanceNo CharacteristicAll Appraisals528,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals450,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals497,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals5,991.0
2016RefinanceNo CharacteristicAll Appraisals3,453.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals445,500.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals510,000.0
2015BothNo CharacteristicAll Appraisals5,096.0
2015RefinanceNo CharacteristicAll Appraisals2,674.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals2,422.0
2015BothNo CharacteristicAll Appraisals482,800.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals465,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05195,282188,0227,2603.7%
2026-04194,151187,2216,9303.6%
2026-03193,768185,7827,9864.1%
2026-02192,626183,8938,7334.5%
2026-01192,484184,5617,9234.1%
2025-12194,500187,1087,3923.8%
2025-11195,287187,4327,8554.0%
2025-09194,109184,3809,7295.0%
2025-08196,369186,5769,7935.0%
2025-07197,765187,72810,0375.1%
2025-06197,322188,1199,2034.7%
2025-05193,854185,5858,2694.3%
2025-04194,095186,1437,9524.1%
2025-03193,265184,5628,7034.5%
2025-02192,510183,6448,8664.6%
2025-01191,913183,6068,3074.3%
2024-12192,973185,8917,0823.7%
2024-11193,069185,8267,2433.8%
2024-10193,789186,5437,2463.7%
2024-09192,455185,4916,9643.6%
2024-08196,004187,6898,3154.2%
2024-07197,921189,0728,8494.5%
2024-06197,426189,3458,0814.1%
2024-05193,204186,0997,1053.7%
2024-04193,377186,7516,6263.4%
2024-03193,922186,3417,5813.9%
2024-02192,759184,9397,8204.1%
2024-01191,718184,1837,5353.9%
2023-12192,552185,9336,6193.4%
2023-11193,090186,5726,5183.4%
2023-10192,689185,7206,9693.6%
2023-09192,066185,0087,0583.7%
2023-08195,248187,5867,6623.9%
2023-07196,017188,3867,6313.9%
2023-06196,319188,7697,5503.8%
2023-05192,775186,1006,6753.5%
2023-04191,660186,0295,6312.9%
2023-03192,523185,9136,6103.4%
2023-02191,652184,7636,8893.6%
2023-01190,591184,2426,3493.3%
2022-12191,317186,1615,1562.7%
2022-11190,266185,1935,0732.7%
2022-10190,687185,7184,9692.6%
2022-09189,140184,5864,5542.4%
2022-08192,050186,8405,2102.7%
2022-07192,213186,3355,8783.1%
2022-06191,409185,4295,9803.1%
2022-05188,493182,9145,5793.0%
2022-04187,440181,5935,8473.1%
2022-03187,526180,6606,8663.7%
2022-02185,921178,3627,5594.1%
2022-01184,629176,4578,1724.4%
2021-12185,094177,7337,3614.0%
2021-11184,542176,8527,6904.2%
2021-10184,267176,2378,0304.4%
2021-09182,825174,1068,7194.8%
2021-08186,797176,8739,9245.3%
2021-07188,795178,10010,6955.7%
2021-06187,547176,75310,7945.8%
2021-05183,892174,4929,4005.1%
2021-04183,659173,9929,6675.3%
2021-03183,620173,02010,6005.8%
2021-02183,010171,89011,1206.1%
2021-01182,103171,32710,7765.9%
2020-12181,946172,4749,4725.2%
2020-11181,464171,7839,6815.3%
2020-10180,668171,5159,1535.1%
2020-09177,339167,6129,7275.5%
2020-08186,580168,05818,5229.9%
2020-07184,466163,11621,35011.6%
2020-06180,057160,20919,84811.0%
2020-05173,096152,77920,31711.7%
2020-04170,498152,19118,30710.7%
2020-03185,968178,5767,3924.0%
2020-02186,986180,4786,5083.5%
2020-01186,402179,9126,4903.5%
2019-12187,642182,2865,3562.9%
2019-11187,382182,2545,1282.7%
2019-10187,066181,9545,1122.7%
2019-09186,166181,0755,0912.7%
2019-08188,047182,5225,5252.9%
2019-07189,427183,5395,8883.1%
2019-06187,718182,7294,9892.7%
2019-05183,986179,4614,5252.5%
2019-04182,320178,2564,0642.2%
2019-03182,875177,6705,2052.8%
2019-02182,735176,8455,8903.2%
2019-01182,152176,1216,0313.3%
2018-12183,562178,7164,8462.6%
2018-11182,994178,5204,4742.4%
2018-10182,665177,7744,8912.7%
2018-09181,513176,2015,3122.9%
2018-08184,242178,2565,9863.2%
2018-07186,877179,9916,8863.7%
2018-06186,440179,9256,5153.5%
2018-05182,756177,2225,5343.0%
2018-04181,281175,7575,5243.0%
2018-03181,071174,6296,4423.6%
2018-02181,368174,3667,0023.9%
2018-01179,941173,2526,6893.7%

BEA Personal Income

2024$43.27B357,467$121K
2023$40.94B352,095$116K
2022$39.28B348,319$113K
2021$37.23B346,562$107K
2020$35.04B344,788$102K
2019$34.08B344,449$99K
2018$33.06B343,661$96K
2017$31.43B341,978$92K
2016$29.79B339,769$88K
2015$28.77B337,882$85K
2014$27.29B336,017$81K
2013$25.85B334,130$77K
2012$24.49B330,978$74K
2011$23.23B328,228$71K
2010$22.45B324,510$69K
2009$22.06B321,564$69K
2008$23.02B318,856$72K
2007$22.24B317,128$70K
2006$20.81B314,993$66K
2005$19.45B312,617$62K
2004$18.67B310,424$60K
2003$17.47B307,902$57K
2002$16.72B305,255$55K
2001$16.78B301,671$56K
2000$16.93B298,761$57K
1999$15.04B293,770$51K
1998$14.10B287,065$49K
1997$12.69B280,195$45K
1996$11.95B272,872$44K
1995$11.01B267,163$41K
1994$10.10B262,243$39K
1993$9.53B256,834$37K
1992$9.25B250,680$37K
1991——$34K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-07-31$1K$1K$0Yes
2025-07-21$116K$116K$0Yes
2025-07-15$5K$5K$0Yes
2025-07-15$18K$18K$0No
2025-07-15$92K$63K$29KYes
2025-07-15$24K$24K$0No
2025-07-15$28K$28K$0Yes
2025-07-14$20K$20K$0Yes
2025-07-14$47K$47K$0Yes
2025-07-14$41K$41K$0Yes
2025-07-14$43K$43K$0Yes
2025-07-14$25K$25K$0Yes
2025-07-14$18K$18K$0Yes
2025-07-14$47K$42K$5KYes
2025-07-14$57K$44K$14KYes
2025-07-14$27K$25K$2KYes
2025-07-14$142K$142K$0Yes
2025-07-14$19K$18K$1KYes
2025-07-14$23K$23K$0Yes
2025-07-14$19K$19K$0Yes
2025-07-14$66K$55K$11KYes
2025-07-14$23K$23K$0No
2025-07-14$12K$12K$0Yes
2025-07-14$36K$36K$0Yes
2025-07-14$245K$245K$0Yes
2025-07-14$16K$16K$0Yes
2025-07-14$172K$172K$0Yes
2025-07-14$92K$92K$0No
2025-07-14$105K$105K$0Yes
2025-07-14$37K$37K$0Yes
2025-07-14$3K$3K$0Yes
2025-07-14$13K$13K$0Yes
2025-07-14$74K$72K$2KYes
2025-07-14$141K$124K$17KYes
2025-07-14$0$0$0No
2025-07-14$18K$18K$0Yes
2025-07-14$0$0$0Yes
2025-07-14$92K$92K$0No
2025-07-14$65K$60K$5KYes
2025-07-14$167K$158K$9KYes
2025-07-14$29K$27K$2KYes
2025-07-14$0$0$0Yes
2025-07-14$168K$168K$0Yes
2025-07-14$114K$114K$0Yes
2025-07-14$12K$12K$0Yes
2025-07-14$12K$12K$0Yes
2025-07-14$0——Yes
2025-07-14$60K$60K$0Yes
2025-07-14$17K$16K$931.27Yes
2025-07-14$141K$141K$0No
2025-07-14$67K$63K$4KYes
2025-07-14$56K$49K$7KYes
2025-07-14$23K$23K$0Yes
2025-07-14$523.75$523.75$0No
2025-07-14$92K$92K$0Yes
2025-07-14$0$0$0Yes
2025-07-14$70K$70K$0Yes
2025-07-14$44K$44K$0Yes
2025-07-14$11K$11K$0Yes
2025-07-14$11K$11K$0No
2025-07-14$4K$4K$0Yes
2025-07-14$79K$79K$0No
2025-07-14$263K$218K$45KYes
2025-07-14$22K$22K$0Yes
2025-07-14$141K$121K$20KYes
2025-07-14$25K$25K$0Yes
2025-07-14$91K$86K$5KYes
2025-07-14$31K$31K$0Yes
2025-07-14$121K$118K$3KYes
2025-07-14$157K$157K$0Yes
2025-07-14$271K$236K$35KYes
2025-07-14$117K$101K$16KYes
2025-07-14$51K$0$51KNo
2025-07-14$26K$26K$0Yes
2025-07-14$163K$138K$25KNo
2025-07-14$463K$277K$186KNo
2025-07-14$27K$27K$0Yes
2025-07-14$55K$55K$0No
2025-07-14$92K$73K$19KYes
2025-07-14$76K$76K$0Yes
2025-07-14$40K$37K$2KYes
2025-07-14$49K$42K$8KYes
2025-07-14$51K$51K$0Yes
2025-07-14$12K$12K$0Yes
2025-07-14$13K$13K$0Yes
2025-07-14$40K$40K$0Yes
2025-07-14$1K$1K$0Yes
2025-07-14$9K$9K$0Yes
2025-07-14$15K$15K$0No
2025-07-14$27K$27K$0Yes
2025-07-14$72K$64K$8KYes
2025-07-14$73K$47K$26KYes
2025-07-14$3K$3K$0No
2025-07-14$55K$45K$10KYes
2025-07-14$126K$126K$0Yes
2025-07-14$139K$123K$15KYes
2025-07-14$12K$12K$0Yes
2025-07-14$5K$5K$0Yes
2025-07-14$50K$50K$0Yes
2025-07-14$36K$34K$2KYes

ALSO CHECKED

18 more data areas were checked for Somerset 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 SOMERSET COUNTY →Opens the loan explorer already filtered to county FIPS 34035.

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.