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State markets/New York/Allegany County

COUNTY MORTGAGE MARKET · FIPS 36003

Allegany County, New York

Who lends in Allegany 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

$69.4M

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

Originations · 2025

528

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

Denial rate · 2025

23.3%

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

Lenders active · 2025

88

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

Concentration (HHI)

914

unconcentrated

Top-5 lender share

54.8%

of originations

Purchase

68.4%

257 loans

Refinance

31.6%

119 loans

Origination trend

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

Lenders in Allegany 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 Allegany 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 ALLEGANY COUNTY →

TOP TEN LENDERS IN ALLEGANY 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.

171$16.2M$16.2M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
79$9.3M$9.3M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
17$5.6M$5.6M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
43$3.5M$3.5M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
19$3.4M$3.4M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
13$2.5M$2.5M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$2.4M$2.4M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
16$2.2M$2.2M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$2.0M$2.0M originated in Allegany County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
18$1.7M$1.7M originated in Allegany 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 Allegany County

All 38 ZIP Code Tabulation Areas that touch Allegany 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.
38 OF 38 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
22 of the 4 Allegany County tracts this ZIP area touches sit mostly inside it.6,8885.8%2,244——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Allegany County tracts this ZIP area touches sit mostly inside it.6,13623.1%783——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Allegany County tracts this ZIP area touches sit mostly inside it.6,1058.3%1,662——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Allegany County tracts this ZIP area touches sit mostly inside it.5,3257.7%1,888——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Allegany County tracts this ZIP area touches sit mostly inside it.3,6538.3%1,137——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Allegany County tracts this ZIP area touches sit mostly inside it.3,6496.4%1,312——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Allegany County tracts this ZIP area touches sit mostly inside it.3,5756.6%1,373——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Allegany County tract this ZIP area touches sit mostly inside it.2,4756.5%823——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Allegany County tracts this ZIP area touches sit mostly inside it.2,3015.3%730——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Allegany County tract this ZIP area touches sit mostly inside it.2,2706.3%936——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Allegany County tracts this ZIP area touches sit mostly inside it.2,1194.2%720——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Allegany County tracts this ZIP area touches sit mostly inside it.1,9605.6%658——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 4 tracts of Allegany 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 Allegany 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 Allegany 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 8 tracts of Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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 Allegany 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.

16 of Allegany County’s 16 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 Allegany County

All 16 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.

16 OF 16 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
—0.0%771.4%OPEN →
Middle111.7%2,2706.3%OPEN →
Middle96.8%4,7558.7%OPEN →
Middle95.3%1,6475.3%OPEN →
Middle101.3%1,9605.6%OPEN →
Middle98.4%3,6718.7%OPEN →
Middle82.8%3,6538.3%OPEN →
Middle108.2%3,5756.6%OPEN →
Middle114.0%6,13623.1%OPEN →
Middle89.3%3,6496.4%OPEN →
Middle96.6%3,1166.0%OPEN →
Middle92.0%3,7725.7%OPEN →
Middle83.0%2,3015.3%OPEN →
Moderate76.1%2,4756.5%OPEN →
Middle82.3%1,3506.7%OPEN →
Middle92.8%2,1194.2%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

47,159

Median household income

$62,869

Median home value

$101,700

Median gross rent

$763

per month

Owner-occupied

79.3%

of occupied units

Housing units

23,540

24.8% vacant

Poverty rate

16.2%

Unemployment

7.1%

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 Low

score 69.8

Social vulnerability

Relatively Moderate

Community resilience

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

82

Declarations recorded

25

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

Everything we hold on Allegany 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 Allegany County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Allegany County →Every reported application and origination in FIPS 36003, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Allegany 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

26

—

Purchase share

76.9%

20 loans

IRRRL refinances

4

Cash-out refinances

2

202626—2042
202520—1424
202418—1611
202326—2303
2022——2821
202144—21203
202030—2262
201935—2708
201821—1605
201730—1947
201619—1432
201520—1325

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 Allegany 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

Allegany 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

97

+29.3% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

97

+29.3% vs 2024

Permit valuation · 2025

$13.7M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
050100150200199019921994199619982000200220042006200820102012201420162018202020222024202597 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 Allegany County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS158252$8.2M
outflow2223Cattaraugus County, NY153254$6.5M
inflow2223Cattaraugus County, NY137259$6.6M
inflow2223Other flows - South, DS119204$6.7M
outflow2223Other flows - Northeast, DS114192$6.2M
outflow2223Steuben County, NY99162$4.2M
inflow2223Steuben County, NY84139$4.0M
outflow2223Erie County, NY76101$3.6M
inflow2223Erie County, NY72109$3.8M
inflow2223Other flows - Northeast, DS5591$3.0M
inflow2223Other flows - West, DS5086$3.0M
outflow2223Other flows - West, DS4581$2.4M
outflow2223Livingston County, NY4480$2.2M
outflow2223Other flows - Midwest, DS3989$2.1M
inflow2223Livingston County, NY3775$2.1M
inflow2223Monroe County, NY3651$1.9M
outflow2223Monroe County, NY3640$1.2M
inflow2223Other flows - Midwest, DS3456$1.5M
inflow2223Wyoming County, NY3156$1.1M
outflow2223Wyoming County, NY2746$1.3M
inflow2223Potter County, PA2144$743K
inflow2223McKean County, PA2141$920K
inflow2223Niagara County, NY2029$1.3M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS185356$10.2M
inflow2122Cattaraugus County, NY137269$7.3M
outflow2122Cattaraugus County, NY126200$5.0M
inflow2122Other flows - South, DS110196$5.9M
inflow2122Other flows - Northeast, DS107207$5.7M
outflow2122Steuben County, NY103175$4.5M
inflow2122Steuben County, NY103184$4.1M
inflow2122Erie County, NY91150$4.3M
outflow2122Other flows - Northeast, DS86147$4.4M
outflow2122Erie County, NY74128$2.9M
outflow2122Monroe County, NY5987$5.0M
inflow2122Other flows - West, DS57101$2.9M
outflow2122Other flows - Midwest, DS4783$2.2M
inflow2122Monroe County, NY4570$2.8M
outflow2122Other flows - West, DS3974$2.5M
inflow2122Livingston County, NY3562$1.5M
inflow2122Other flows - Midwest, DS3470$1.6M
outflow2122Livingston County, NY3048$1.1M
outflow2122Wyoming County, NY2963$1.4M
inflow2122Wyoming County, NY2848$1.3M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS175298$11.0M
outflow2021Cattaraugus County, NY142259$5.5M
inflow2021Cattaraugus County, NY124235$5.3M
inflow2021Other flows - South, DS116219$5.6M
outflow2021Other flows - Northeast, DS95168$5.0M
outflow2021Steuben County, NY94145$4.5M
inflow2021Steuben County, NY93162$4.5M
inflow2021Other flows - Northeast, DS74133$4.1M
inflow2021Erie County, NY68135$3.8M
outflow2021Erie County, NY5479$2.3M
outflow2021Monroe County, NY5177$2.2M
inflow2021Monroe County, NY5074$2.6M
inflow2021Other flows - West, DS4370$1.6M
outflow2021Other flows - West, DS4381$1.8M
outflow2021Wyoming County, NY4182$1.4M
inflow2021Wyoming County, NY3980$1.5M
inflow2021Other flows - Midwest, DS3865$1.8M
outflow2021Livingston County, NY3569$1.5M
outflow2021Other flows - Midwest, DS3462$1.6M
inflow2021Livingston County, NY3351$1.4M
inflow2021Potter County, PA2258$1.2M
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS192370$14.8M
inflow1920Cattaraugus County, NY143290$5.8M
outflow1920Cattaraugus County, NY129251$4.8M
inflow1920Other flows - South, DS111228$6.4M
outflow1920Steuben County, NY108206$4.1M
outflow1920Other flows - Northeast, DS90143$4.1M
inflow1920Steuben County, NY85170$3.7M
outflow1920Erie County, NY63101$3.5M
inflow1920Erie County, NY61106$3.1M
inflow1920Other flows - Northeast, DS55114$2.6M
outflow1920Other flows - West, DS5488$2.0M
inflow1920Monroe County, NY5278$2.5M
inflow1920Other flows - Midwest, DS4869$2.1M
inflow1920Livingston County, NY4376$1.5M
outflow1920Other flows - Midwest, DS4371$3.1M
inflow1920Other flows - West, DS4356$1.6M
outflow1920Livingston County, NY4279$1.9M
outflow1920Monroe County, NY4267$1.7M
inflow1920Wyoming County, NY3148$1.4M
outflow1920Wyoming County, NY2950$1.1M
inflow1920Potter County, PA2349$639K
inflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS136250$6.5M
outflow1819Cattaraugus County, NY124238$5.0M
inflow1819Other flows - South, DS108191$5.2M
outflow1819Steuben County, NY106196$3.6M
inflow1819Cattaraugus County, NY104216$4.2M
inflow1819Steuben County, NY89168$3.7M
inflow1819Other flows - Northeast, DS80142$2.8M
outflow1819Other flows - Northeast, DS75138$3.6M
outflow1819Erie County, NY68112$3.1M
inflow1819Erie County, NY5497$2.7M
outflow1819Other flows - West, DS5074$1.5M
outflow1819Monroe County, NY4975$2.4M
outflow1819Livingston County, NY4366$1.5M
inflow1819Livingston County, NY4168$1.4M
inflow1819Other flows - West, DS3665$1.1M
outflow1819Other flows - Midwest, DS3547$1.2M
inflow1819Other flows - Midwest, DS3572$2.0M
inflow1819Monroe County, NY3051$1.4M
outflow1819Wyoming County, NY2638$850K
inflow1819Wyoming County, NY2143$838K
inflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS156293$8.6M
inflow1718Cattaraugus County, NY137260$6.7M
inflow1718Other flows - South, DS127252$5.1M
outflow1718Cattaraugus County, NY117228$4.3M
outflow1718Other flows - Northeast, DS104184$5.3M
outflow1718Steuben County, NY98159$4.0M
inflow1718Steuben County, NY94175$3.2M
inflow1718Other flows - Northeast, DS76141$2.5M
outflow1718Monroe County, NY6288$2.2M
inflow1718Erie County, NY5587$2.5M
outflow1718Other flows - Midwest, DS5197$2.0M
inflow1718Other flows - West, DS4781$1.9M
outflow1718Livingston County, NY4784$2.0M
outflow1718Other flows - West, DS4565$1.6M
outflow1718Erie County, NY4271$2.4M
inflow1718Other flows - Midwest, DS3362$907K
inflow1718Monroe County, NY3151$1.5M
inflow1718Livingston County, NY2561$1.2M
outflow1718Wyoming County, NY2243$423K
inflow1718Wyoming County, NY2041$627K
inflow1718Niagara County, NY2033$727K
outflow1617Foreign - Other flows, FR———
outflow1617Other flows - South, DS222418$9.6M
inflow1617Cattaraugus County, NY183348$6.1M
outflow1617Cattaraugus County, NY182353$6.6M
outflow1617Steuben County, NY142255$5.1M
inflow1617Other flows - South, DS137291$5.7M
inflow1617Other flows - Northeast, DS110217$5.1M
inflow1617Steuben County, NY108209$4.0M
outflow1617Other flows - Northeast, DS97194$4.1M
inflow1617Erie County, NY71118$3.0M
outflow1617Erie County, NY68119$3.0M
outflow1617Other flows - West, DS64114$2.4M
outflow1617Monroe County, NY6398$2.9M
outflow1617Other flows - Midwest, DS61114$2.2M
inflow1617Monroe County, NY4987$2.5M
inflow1617Wyoming County, NY4893$1.8M
outflow1617Livingston County, NY47103$2.4M
inflow1617Other flows - West, DS4566$2.1M
inflow1617Livingston County, NY4079$1.8M
inflow1617Other flows - Midwest, DS3772$1.4M
outflow1617Wyoming County, NY3677$1.2M
outflow1617Potter County, PA3147$863K
outflow1516Foreign - Other flows, FR———
inflow1516Foreign - Other flows, FR———
outflow1516Other flows - South, DS166291$6.9M
outflow1516Cattaraugus County, NY153291$6.9M
inflow1516Cattaraugus County, NY141257$4.2M
inflow1516Steuben County, NY95197$3.0M
outflow1516Steuben County, NY88152$2.7M
inflow1516Other flows - Northeast, DS87149$3.9M
inflow1516Other flows - South, DS86169$2.9M
outflow1516Other flows - Northeast, DS81163$2.9M
outflow1516Other flows - West, DS5675$2.2M
inflow1516Erie County, NY5491$2.5M
outflow1516Monroe County, NY5168$2.1M
outflow1516Livingston County, NY4268$1.9M
outflow1516Erie County, NY4075$2.4M
inflow1516Livingston County, NY4082$1.5M
inflow1516Monroe County, NY4053$1.1M
outflow1516Other flows - Midwest, DS3886$1.4M
inflow1516Other flows - West, DS3775$1.4M
inflow1516Other flows - Midwest, DS3458$1.4M
inflow1516Wyoming County, NY2946$802K
outflow1516Potter County, PA2643$997K
outflow1516Wyoming County, NY2237$717K
inflow1415Foreign - Other flows, FR———
outflow1415Foreign - Other flows, FR———
outflow1415Cattaraugus County, NY121208$3.2M
outflow1415Other flows - South, DS119198$4.4M
inflow1415Cattaraugus County, NY93184$2.6M
outflow1415Steuben County, NY72129$2.7M
inflow1415Other flows - South, DS65117$2.1M
outflow1415Other flows - Northeast, DS59118$1.9M
inflow1415Steuben County, NY5396$1.5M
inflow1415Other flows - Northeast, DS5394$1.8M
outflow1415Monroe County, NY4257$1.5M
outflow1415Erie County, NY4064$1.1M
outflow1415Other flows - West, DS3961$1.2M
inflow1415Erie County, NY3458$1.5M
outflow1415Livingston County, NY2956$986K
outflow1415Wyoming County, NY2546$785K
inflow1415Other flows - West, DS2541$1.9M
outflow1415Other flows - Midwest, DS2241$772K
inflow1415Livingston County, NY2244$611K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Allegany County.

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

2023PurchaseNo CharacteristicAll Appraisals92.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals41.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals133.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals130,000.0
2023BothNo CharacteristicAll Appraisals139,000.0
2023PurchaseNo CharacteristicAll Appraisals148,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals146,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals146,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals71.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals146,000.0
2022BothNo CharacteristicAll Appraisals193.0
2022PurchaseNo CharacteristicAll Appraisals122.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals151,500.0
2021BothNo CharacteristicAll Appraisals268.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals182.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021RefinanceNo CharacteristicAll Appraisals86.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals139,500.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals135,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals202.0
2020PurchaseNo CharacteristicAll Appraisals141.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals130,000.0
2020RefinanceNo CharacteristicAll Appraisals140,000.0
2020RefinanceNo CharacteristicAll Appraisals61.0
2020PurchaseNo CharacteristicAll Appraisals127,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals114,000.0
2019PurchaseNo CharacteristicAll Appraisals118.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals128,000.0
2019BothNo CharacteristicAll Appraisals170.0
2019RefinanceNo CharacteristicAll Appraisals52.0
2019PurchaseNo CharacteristicAll Appraisals105,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals115,500.0
2018BothNo CharacteristicAll Appraisals157.0
2018PurchaseNo CharacteristicAll Appraisals107.0
2018RefinanceNo CharacteristicAll Appraisals50.0
2018BothNo CharacteristicAll Appraisals115,000.0
2018PurchaseNo CharacteristicAll Appraisals115,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals108,300.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals146.0
2017PurchaseNo CharacteristicAll Appraisals82.0
2017PurchaseNo CharacteristicAll Appraisals89,500.0
2017RefinanceNo CharacteristicAll Appraisals64.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals92,300.0
2016PurchaseNo CharacteristicAll Appraisals80.0
2016RefinanceNo CharacteristicAll Appraisals92,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals90,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals90,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals139.0
2016RefinanceNo CharacteristicAll Appraisals59.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals73,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals109,500.0
2015BothNo CharacteristicAll Appraisals131.0
2015RefinanceNo CharacteristicAll Appraisals56.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals75.0
2015BothNo CharacteristicAll Appraisals85,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals93,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0519,12318,2338904.7%
2026-0419,38818,4958934.6%
2026-0320,02719,0121,0155.1%
2026-0220,18818,9871,2015.9%
2026-0119,33818,1831,1556.0%
2025-1220,01919,0529674.8%
2025-1120,12319,2818424.2%
2025-0919,89519,0468494.3%
2025-0818,17017,2748964.9%
2025-0718,16917,2808894.9%
2025-0619,00318,1978064.2%
2025-0519,08418,3956893.6%
2025-0419,29718,5927053.7%
2025-0319,57118,6738984.6%
2025-0219,72918,7151,0145.1%
2025-0119,02918,0271,0025.3%
2024-1219,29018,4618294.3%
2024-1119,63518,9037323.7%
2024-1019,69719,0356623.4%
2024-0919,54318,8826613.4%
2024-0818,24117,3908514.7%
2024-0718,35917,4998604.7%
2024-0619,02118,1968254.3%
2024-0518,89718,1647333.9%
2024-0419,37918,6257543.9%
2024-0319,38518,4479384.8%
2024-0219,80718,7141,0935.5%
2024-0119,17018,0711,0995.7%
2023-1219,48918,5699204.7%
2023-1119,52518,7837423.8%
2023-1019,62218,8637593.9%
2023-0919,23018,5237073.7%
2023-0817,79316,9598344.7%
2023-0717,83917,0617784.4%
2023-0618,47517,7107654.1%
2023-0518,85118,1596923.7%
2023-0419,05318,4056483.4%
2023-0320,50819,6458634.2%
2023-0220,60319,5931,0104.9%
2023-0119,88718,8121,0755.4%
2022-1219,85719,0498084.1%
2022-1119,75519,0626933.5%
2022-1019,92419,2856393.2%
2022-0919,74219,0916513.3%
2022-0818,23617,4318054.4%
2022-0718,32317,5128114.4%
2022-0619,03618,2897473.9%
2022-0519,64318,9826613.4%
2022-0419,66418,9507143.6%
2022-0320,46819,5539154.5%
2022-0220,36619,3331,0335.1%
2022-0119,49218,5179755.0%
2021-1219,80919,1057043.6%
2021-1119,80319,0607433.8%
2021-1020,03319,3037303.6%
2021-0920,12619,3607663.8%
2021-0818,46317,5159485.1%
2021-0718,42317,4081,0155.5%
2021-0619,72518,7051,0205.2%
2021-0519,74918,8758744.4%
2021-0419,97418,9939814.9%
2021-0320,15718,9741,1835.9%
2021-0220,31318,9591,3546.7%
2021-0119,49818,1581,3406.9%
2020-1219,73518,5591,1766.0%
2020-1120,15619,1619954.9%
2020-1020,19519,2279684.8%
2020-0920,11218,9851,1275.6%
2020-0818,88417,5921,2926.8%
2020-0718,95817,2311,7279.1%
2020-0619,73617,9271,8099.2%
2020-0519,52917,3162,21311.3%
2020-0419,67516,8192,85614.5%
2020-0320,74219,2551,4877.2%
2020-0220,97519,6491,3266.3%
2020-0120,52219,1781,3446.5%
2019-1220,49119,3531,1385.6%
2019-1120,58119,5811,0004.9%
2019-1020,60419,7128924.3%
2019-0920,56519,7048614.2%
2019-0819,16318,1829815.1%
2019-0719,22218,2171,0055.2%
2019-0619,67518,7739024.6%
2019-0519,79618,9248724.4%
2019-0420,26819,3089604.7%
2019-0320,39819,2021,1965.9%
2019-0220,59519,3091,2866.2%
2019-0120,17218,8611,3116.5%
2018-1220,47019,4551,0155.0%
2018-1120,41419,5828324.1%
2018-1020,24119,4188234.1%
2018-0920,40319,5748294.1%
2018-0820,05919,0919684.8%
2018-0720,25319,1991,0545.2%
2018-0619,84018,7911,0495.3%
2018-0520,04119,1159264.6%
2018-0420,45819,3171,1415.6%
2018-0320,68619,3081,3786.7%
2018-0220,93719,3791,5587.4%
2018-0120,48018,8991,5817.7%

BEA Personal Income

2024$2.11B47,299$45K
2023$1.98B47,327$42K
2022$1.90B46,850$41K
2021$1.99B46,962$42K
2020$1.98B47,358$42K
2019$1.92B46,613$41K
2018$1.86B46,908$40K
2017$1.86B47,216$39K
2016$1.63B47,535$34K
2015$1.61B47,749$34K
2014$1.49B47,992$31K
2013$1.43B48,163$30K
2012$1.44B48,391$30K
2011$1.42B48,902$29K
2010$1.38B48,992$28K
2009$1.34B48,969$27K
2008$1.36B49,177$28K
2007$1.22B49,079$25K
2006$1.18B49,359$24K
2005$1.15B49,768$23K
2004$1.12B50,311$22K
2003$1.06B50,165$21K
2002$1.03B50,014$21K
2001$1.01B50,079$20K
2000$999.0M49,819$20K
1999$960.6M49,997$19K
1998$926.5M49,991$19K
1997$890.5M50,325$18K
1996$876.5M50,869$17K
1995$834.6M51,251$16K
1994$795.9M51,012$16K
1993$784.0M50,807$15K
1992$764.8M50,967$15K
1991——$14K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-08-09$0$0$0Yes
2021-08-18$12K$5K$7KYes
2021-07-17$20K$20K$90.3No
2016-09-18$393.31$393.31$0No
2015-07-14$15K$15K$0Yes
2015-07-14$22K$22K$0No
2012-10-29$24K$24K$0Yes
2011-06-01$3K$3K$0Yes
2011-05-13$8K$8K$0No
2011-04-28$1K$1K$0No
2010-12-01$0——Yes
2010-06-01$0——Yes
2010-04-01$5K$5K$0Yes
2010-01-26$13K$13K$0No
2010-01-25$0——Yes
2009-12-26$0——No
2009-07-27$0——Yes
2008-04-02$0——Yes
2007-03-16$12K$0$12KYes
2007-03-15$0——Yes
2007-03-14$3K$3K$0Yes
2005-11-29$0——Yes
2005-04-02$27K$27K$0Yes
2004-09-18$0——Yes
2004-09-18$42K$42K$0Yes
2004-08-30$7K$5K$2KYes
2003-08-09$6K$6K$0Yes
2003-08-09$3K$3K$0Yes
2003-08-09$3K$3K$0Yes
2003-08-05$3K$1K$1KYes
2003-08-04$3K$3K$0Yes
2003-07-22$6K$6K$275.85Yes
2003-07-22$3K$3K$0Yes
2003-07-21$3K$0$3KNo
2001-04-10$5K$5K$0Yes
2001-04-08$2K$1K$339.18Yes
2001-03-22$0——Yes
2000-08-09$23K$16K$8KYes
2000-08-06$4K$4K$0Yes
2000-08-06$308.21$308.21$0Yes
2000-08-06$1K$1K$0Yes
2000-08-06$0——Yes
2000-08-01$3K$3K$0Yes
1998-01-25$0——Yes
1998-01-08$0——Yes
1998-01-08$2K$2K$0Yes
1998-01-08$2K$2K$0Yes
1998-01-08$6K$6K$0Yes
1998-01-08$357.01$357.01$0No
1996-01-23$612.21$612.21$0Yes
1996-01-22$3K$3K$267.6No
1996-01-22$6K$3K$3KNo
1996-01-20$0——Yes
1996-01-20$0——Yes
1996-01-20$5K$5K$0No
1996-01-20$0——No
1996-01-19$762$762$0Yes
1996-01-19$3K$3K$0Yes
1996-01-19$3K$3K$0Yes
1996-01-19$3K$3K$0No
1996-01-19$3K$3K$0No
1996-01-19$2K$2K$0Yes
1996-01-19$15K$15K$0No
1996-01-19$0——Yes
1996-01-19$0——No
1996-01-19$4K$4K$0No
1996-01-19$0——Yes
1996-01-19$2K$1K$409.14No
1996-01-19$7K$6K$1KYes
1996-01-19$6K$6K$0No
1996-01-19$0——Yes
1996-01-19$27K$27K$0Yes
1996-01-19$8K$6K$2KNo
1996-01-19$1K$1K$0No
1996-01-19$5K$5K$0Yes
1996-01-19$3K$427.36$2KNo
1996-01-19$2K$1K$820.68No
1996-01-19$0——No
1996-01-19$3K$3K$0No
1996-01-19$2K$2K$0Yes
1996-01-19$1K$1K$0No
1996-01-19$0——Yes
1996-01-19$5K$5K$0No
1996-01-19$5K$4K$1KYes
1996-01-19$106.96$106.96$0Yes
1996-01-19$11K$11K$0No
1996-01-19$6K$5K$124.95No
1996-01-19$0——No
1996-01-19$274.42$274.42$0No
1996-01-19$5K$5K$0Yes
1996-01-19$18K$18K$0No
1996-01-19$0——Yes
1996-01-19$0——No
1996-01-19$19K$19K$0Yes
1996-01-19$1K$1K$0Yes
1996-01-19$0——Yes
1996-01-19$0——No
1996-01-19$966.29$966.29$0Yes
1996-01-19$1K$1K$0No
1996-01-19$35K$32K$3KNo

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN ALLEGANY COUNTY →Opens the loan explorer already filtered to county FIPS 36003.

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