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State markets/New York/Broome County

COUNTY MORTGAGE MARKET · FIPS 36007

Broome County, New York

Who lends in Broome 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

$452.8M

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

Originations · 2025

2,919

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

Denial rate · 2025

19.9%

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

Lenders active · 2025

190

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

Concentration (HHI)

504

unconcentrated

Top-5 lender share

43.0%

of originations

Purchase

70.5%

1,427 loans

Refinance

29.5%

597 loans

Origination trend

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

Lenders in Broome 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 Broome 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 BROOME COUNTY →

TOP TEN LENDERS IN BROOME 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.

281$57.3M$57.3M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
526$51.6M$51.6M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
56$31.5M$31.5M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
197$29.8M$29.8M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
194$24.6M$24.6M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
88$15.9M$15.9M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
84$15.5M$15.5M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
86$15.3M$15.3M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
108$15.2M$15.2M originated in Broome County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
144$14.3M$14.3M originated in Broome 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 Broome County

All 31 ZIP Code Tabulation Areas that touch Broome 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.
31 OF 31 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 13 Broome County tracts this ZIP area touches sit mostly inside it.39,52318.2%10,737——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Broome County tracts this ZIP area touches sit mostly inside it.30,26531.0%6,038——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Broome County tracts this ZIP area touches sit mostly inside it.29,31326.5%7,074——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Broome County tracts this ZIP area touches sit mostly inside it.21,78321.5%5,955——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Broome County tracts this ZIP area touches sit mostly inside it.16,79325.1%4,335——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Broome County tracts this ZIP area touches sit mostly inside it.15,83425.3%3,042——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Broome County tracts this ZIP area touches sit mostly inside it.8,24522.6%1,983——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Broome County tracts this ZIP area touches sit mostly inside it.5,8048.5%2,446——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Broome County tracts this ZIP area touches sit mostly inside it.5,48111.4%1,680——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Broome County tracts this ZIP area touches sit mostly inside it.5,3188.3%1,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Broome County tract this ZIP area touches sit mostly inside it.5,00811.0%1,828——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Broome County tract this ZIP area touches sit mostly inside it.4,8689.1%1,572——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Broome County tracts this ZIP area touches sit mostly inside it.4,2727.5%1,394——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Broome County tracts this ZIP area touches sit mostly inside it.3,9378.4%1,154——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Broome County tract this ZIP area touches sit mostly inside it.2,2398.9%814——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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 Broome 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.

57 of Broome County’s 57 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 Broome County

All 57 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.

57 OF 57 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate72.2%3,18047.6%OPEN →
Moderate77.9%3,24741.1%OPEN →
Middle105.9%2,78937.3%OPEN →
Moderate51.7%2,24432.6%OPEN →
Low24.5%1,96154.6%OPEN →
Moderate72.0%2,25240.5%OPEN →
Moderate58.1%3,50121.3%OPEN →
Low48.9%1,71736.2%OPEN →
Low26.3%2,14746.0%OPEN →
Low44.6%1,79732.0%OPEN →
—0.0%2,93243.7%OPEN →
Middle83.2%2,33844.6%OPEN →
Middle117.2%2,87532.6%OPEN →
Upper137.7%4,53021.4%OPEN →
Upper137.8%2,27719.3%OPEN →
Moderate69.1%4,09026.4%OPEN →
Moderate53.7%4,09239.3%OPEN →
Middle97.1%5,1687.6%OPEN →
Moderate71.9%2,8097.1%OPEN →
Middle112.6%2,5099.7%OPEN →
Middle93.0%2,6917.6%OPEN →
Middle87.6%1,5817.3%OPEN →
Upper125.3%3,7327.3%OPEN →
Upper121.2%3,9539.4%OPEN →
Middle104.0%3,27410.2%OPEN →
Middle117.5%2,4928.2%OPEN →
Middle88.0%3,9378.4%OPEN →
Middle106.8%4,8689.1%OPEN →
Middle93.7%2,2398.9%OPEN →
Moderate79.7%2,5439.6%OPEN →
Upper120.4%3,2617.7%OPEN →
Middle86.8%5,48111.4%OPEN →
Middle99.0%5,00811.0%OPEN →
Upper137.3%4,61710.1%OPEN →
Middle98.3%5,10018.0%OPEN →
Middle117.0%1,2728.4%OPEN →
Upper156.1%4,21813.8%OPEN →
Middle80.9%2,79424.2%OPEN →
Middle93.7%2,28613.8%OPEN →
Upper137.5%3,18612.5%OPEN →
Middle98.3%4,85113.7%OPEN →
Middle111.3%2,57012.3%OPEN →
Upper162.2%5,95112.6%OPEN →
Moderate66.1%4,49919.7%OPEN →
Low29.4%1,98841.6%OPEN →
Middle83.5%3,92824.8%OPEN →
Moderate73.5%3,25224.3%OPEN →
Middle85.5%3,46321.3%OPEN →
Moderate60.2%1,99241.4%OPEN →
Moderate63.3%3,18143.2%OPEN →
Middle81.0%3,08919.6%OPEN →
Upper139.0%3,61818.0%OPEN →
Upper134.2%5,38234.5%OPEN →
Upper128.4%10,88138.5%OPEN →
Middle118.8%4,74415.4%OPEN →
Middle114.0%3,15511.3%OPEN →
Upper128.9%5,15112.4%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

197,378

Median household income

$62,616

Median home value

$154,900

Median gross rent

$941

per month

Owner-occupied

64.5%

of occupied units

Housing units

93,164

12.0% vacant

Poverty rate

18.5%

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 Moderate

score 87.5

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

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

89

Declarations recorded

30

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

Everything we hold on Broome 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 Broome County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Broome County →Every reported application and origination in FIPS 36007, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Broome 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

72

—

Purchase share

63.9%

46 loans

IRRRL refinances

14

Cash-out refinances

12

202672—461412
202580—55916
202461—46213
202379—62017
2022——882736
2021212—1067729
2020140—784220
2019109—88318
2018124—87829
2017145—902728
2016145—862336
2015119—801326

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 Broome 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

Broome 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

75

+4.2% vs 2024

Multifamily · 2025

239

−11.2% vs 2024

Total authorized · 2025

314

−7.9% vs 2024

Permit valuation · 2025

$48.5M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01252503755001990199219941996199820002002200420062008201020122014201620182020202220242025314 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 Broome County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS9511,523$74.1M
inflow2223Other flows - South, DS5871,012$34.5M
outflow2223Other flows - Northeast, DS402596$24.6M
inflow2223Other flows - Northeast, DS375602$21.5M
outflow2223Tioga County, NY353609$18.8M
inflow2223Tioga County, NY308498$16.6M
outflow2223Other flows - West, DS228313$16.2M
inflow2223Other flows - West, DS174255$9.3M
inflow2223Chenango County, NY169272$7.6M
outflow2223Chenango County, NY160278$8.2M
outflow2223Onondaga County, NY158217$10.3M
outflow2223Other flows - Midwest, DS153208$8.3M
inflow2223Other flows - Midwest, DS134227$8.0M
inflow2223Queens County, NY129271$5.8M
inflow2223Onondaga County, NY106150$5.5M
outflow2223Susquehanna County, PA103204$5.8M
inflow2223Kings County, NY99195$5.9M
outflow2223Kings County, NY91139$4.1M
inflow2223Susquehanna County, PA88141$3.8M
inflow2223Cortland County, NY85147$3.6M
outflow2223Monroe County, NY76110$4.1M
inflow2223Suffolk County, NY75131$4.0M
outflow2223Cortland County, NY72124$4.0M
outflow2223Queens County, NY67101$3.0M
inflow2223Bronx County, NY64134$2.8M
inflow2223Tompkins County, NY5882$2.8M
inflow2223Delaware County, NY58118$2.2M
outflow2223Tompkins County, NY56100$3.4M
outflow2223Erie County, NY5289$3.6M
inflow2223New York County, NY5061$3.2M
outflow2223New York County, NY4853$3.2M
inflow2223Chemung County, NY4360$2.0M
outflow2223Delaware County, NY4272$1.4M
outflow2223Chemung County, NY4262$2.1M
inflow2223Monroe County, NY4158$4.4M
outflow2223King County, WA3848$4.6M
outflow2223Suffolk County, NY3766$2.2M
inflow2223Nassau County, NY3552$1.4M
outflow2223Foreign - Other flows, FR3550$1.9M
outflow2223Albany County, NY3557$1.7M
outflow2223Bronx County, NY3555$785K
inflow2223Erie County, NY3352$1.5M
inflow2223Westchester County, NY3356$1.9M
outflow2223Bradford County, PA3253$1.4M
outflow2223Lackawanna County, PA2947$2.3M
inflow2223Orange County, NY2943$1.1M
outflow2223Oneida County, NY2740$1.3M
inflow2223Otsego County, NY2734$1.2M
outflow2223Philadelphia County, PA2634$1.8M
outflow2223Mecklenburg County, NC2642$1.6M
outflow2223Middlesex County, MA2532$1.4M
outflow2223Los Angeles County, CA2528$1.7M
outflow2223Westchester County, NY2532$1.2M
inflow2223Bradford County, PA2540$1.0M
outflow2223Maricopa County, AZ2440$2.3M
outflow2223Hudson County, NJ2426$1.8M
outflow2223Saratoga County, NY2433$1.6M
outflow2223Horry County, SC2447$2.0M
outflow2223Wake County, NC2332$1.6M
inflow2223Oneida County, NY2339$896K
inflow2223Sullivan County, NY2235$810K
inflow2223Steuben County, NY2028$1.2M
outflow2223Otsego County, NY2027$795K
outflow2223Pinellas County, FL2022$1.1M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS8921,534$60.4M
inflow2122Other flows - South, DS558926$31.9M
outflow2122Other flows - Northeast, DS394571$27.2M
outflow2122Tioga County, NY371647$21.8M
inflow2122Other flows - Northeast, DS326529$22.1M
inflow2122Tioga County, NY324535$15.9M
outflow2122Other flows - West, DS209313$13.9M
inflow2122Other flows - West, DS192320$11.8M
outflow2122Other flows - Midwest, DS172270$10.4M
inflow2122Chenango County, NY159263$7.5M
outflow2122Chenango County, NY154262$7.3M
inflow2122Other flows - Midwest, DS142220$7.8M
outflow2122Onondaga County, NY127187$6.5M
inflow2122Kings County, NY122232$5.9M
outflow2122Susquehanna County, PA118214$6.7M
inflow2122Queens County, NY113244$5.5M
inflow2122Susquehanna County, PA103172$4.9M
outflow2122Queens County, NY83113$3.2M
inflow2122Cortland County, NY82148$4.0M
outflow2122Kings County, NY71100$4.2M
inflow2122Onondaga County, NY71107$5.1M
inflow2122Delaware County, NY69116$2.9M
inflow2122Bronx County, NY66126$2.4M
outflow2122Erie County, NY6695$3.6M
inflow2122Suffolk County, NY66115$3.7M
outflow2122New York County, NY6580$6.5M
outflow2122Monroe County, NY6378$3.9M
outflow2122Cortland County, NY62101$2.9M
inflow2122Tompkins County, NY62100$2.9M
inflow2122Monroe County, NY5984$5.1M
outflow2122Tompkins County, NY5685$3.2M
inflow2122New York County, NY4875$2.3M
inflow2122Nassau County, NY4792$2.5M
outflow2122Delaware County, NY46103$1.7M
outflow2122King County, WA3944$3.3M
outflow2122Albany County, NY3644$1.5M
inflow2122Otsego County, NY3550$1.8M
outflow2122Middlesex County, MA3539$2.3M
outflow2122Chemung County, NY3453$1.4M
inflow2122Chemung County, NY3358$1.7M
inflow2122Westchester County, NY3340$2.9M
outflow2122Lackawanna County, PA3346$1.6M
outflow2122Suffolk County, NY3241$1.7M
outflow2122Bradford County, PA3159$2.2M
outflow2122Horry County, SC3145$3.5M
outflow2122Nassau County, NY3147$1.7M
inflow2122Erie County, NY3140$1.1M
outflow2122Hudson County, NJ3038$2.2M
outflow2122Mecklenburg County, NC2948$1.4M
outflow2122Otsego County, NY2937$1.2M
outflow2122Hillsborough County, FL2942$1.8M
inflow2122Orange County, NY2842$1.1M
outflow2122Bronx County, NY2848$666K
inflow2122Luzerne County, PA2842$1.5M
outflow2122Pinellas County, FL2636$1.4M
outflow2122Palm Beach County, FL2440$2.3M
outflow2122Wake County, NC2435$2.2M
inflow2122Lackawanna County, PA2335$1.4M
outflow2122Santa Clara County, CA2224$1.8M
outflow2122Brevard County, FL2233$1.5M
inflow2122Bradford County, PA2233$947K
inflow2122Oneida County, NY2230$1.2M
outflow2122Cook County, IL2122$1.1M
outflow2122Saratoga County, NY2131$1.8M
outflow2122Orange County, NY2133$1.5M
outflow2122Maricopa County, AZ2123$976K
outflow2122Philadelphia County, PA2023$1.2M
inflow2122Dutchess County, NY2032$1.2M
outflow2122Steuben County, NY2026$798K
outflow2122Luzerne County, PA2031$678K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS9411,661$56.9M
inflow2021Other flows - South, DS499885$23.0M
outflow2021Other flows - Northeast, DS374574$25.2M
outflow2021Tioga County, NY364630$19.7M
inflow2021Other flows - Northeast, DS332539$18.0M
inflow2021Tioga County, NY329573$19.4M
outflow2021Other flows - West, DS235344$16.4M
inflow2021Chenango County, NY182308$9.7M
outflow2021Chenango County, NY178337$8.9M
inflow2021Other flows - West, DS175298$10.4M
outflow2021Other flows - Midwest, DS153243$8.3M
inflow2021Kings County, NY131227$7.5M
outflow2021Onondaga County, NY131191$6.7M
inflow2021Queens County, NY119241$5.4M
outflow2021Susquehanna County, PA115232$6.8M
inflow2021Susquehanna County, PA109191$5.1M
inflow2021Other flows - Midwest, DS104198$6.5M
inflow2021Onondaga County, NY89121$4.5M
outflow2021Kings County, NY76128$4.8M
inflow2021New York County, NY76111$6.0M
inflow2021Cortland County, NY70119$2.9M
inflow2021Delaware County, NY69137$2.7M
outflow2021Tompkins County, NY6482$3.2M
outflow2021Cortland County, NY64105$4.6M
inflow2021Tompkins County, NY63109$3.5M
outflow2021Delaware County, NY63128$2.7M
outflow2021Monroe County, NY5977$3.7M
inflow2021Bronx County, NY58118$1.7M
outflow2021Queens County, NY5468$2.0M
inflow2021Suffolk County, NY5394$2.6M
outflow2021Mecklenburg County, NC4970$2.4M
outflow2021Chemung County, NY4876$1.7M
inflow2021Otsego County, NY4771$2.3M
outflow2021Erie County, NY4563$2.9M
inflow2021Chemung County, NY4458$1.7M
outflow2021New York County, NY4248$2.3M
outflow2021Horry County, SC4271$2.4M
inflow2021Monroe County, NY4155$2.2M
outflow2021Albany County, NY3848$2.0M
inflow2021Nassau County, NY3766$1.8M
inflow2021Erie County, NY3759$1.6M
inflow2021Lackawanna County, PA3759$1.5M
outflow2021Lackawanna County, PA3547$1.4M
inflow2021Westchester County, NY3448$3.0M
outflow2021Wake County, NC3355$2.2M
inflow2021Oneida County, NY3137$1.4M
inflow2021Bradford County, PA3145$1.1M
outflow2021Oneida County, NY2943$1.3M
outflow2021Volusia County, FL2747$3.6M
outflow2021Hillsborough County, FL2748$2.0M
outflow2021Pasco County, FL2744$1.8M
outflow2021Otsego County, NY2633$903K
outflow2021Bradford County, PA2539$1.4M
outflow2021Harris County, TX2335$876K
outflow2021Westchester County, NY2332$1.5M
outflow2021Cayuga County, NY2229$781K
outflow2021Suffolk County, NY2129$1.0M
outflow2021Maricopa County, AZ2129$973K
outflow2021Middlesex County, MA2123$873K
outflow2021King County, WA2129$1.6M
outflow2021Bronx County, NY2037$591K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Broome County.

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

2023PurchaseNo CharacteristicAll Appraisals872.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals223.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,095.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals174,000.0
2023BothNo CharacteristicAll Appraisals178,000.0
2023PurchaseNo CharacteristicAll Appraisals180,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals166,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals166,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals493.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals168,000.0
2022BothNo CharacteristicAll Appraisals1,591.0
2022PurchaseNo CharacteristicAll Appraisals1,098.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals170,000.0
2021BothNo CharacteristicAll Appraisals2,285.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,296.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals989.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals162,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals156,500.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals1,794.0
2020PurchaseNo CharacteristicAll Appraisals1,071.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals155,000.0
2020RefinanceNo CharacteristicAll Appraisals165,000.0
2020RefinanceNo CharacteristicAll Appraisals723.0
2020PurchaseNo CharacteristicAll Appraisals145,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals140,300.0
2019PurchaseNo CharacteristicAll Appraisals964.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals148,500.0
2019BothNo CharacteristicAll Appraisals1,482.0
2019RefinanceNo CharacteristicAll Appraisals518.0
2019PurchaseNo CharacteristicAll Appraisals138,000.0
2019PurchaseNo CharacteristicAll Appraisals0.9
2018RefinanceNo CharacteristicAll Appraisals140,000.0
2018BothNo CharacteristicAll Appraisals1,176.0
2018PurchaseNo CharacteristicAll Appraisals771.0
2018RefinanceNo CharacteristicAll Appraisals405.0
2018BothNo CharacteristicAll Appraisals135,000.0
2018PurchaseNo CharacteristicAll Appraisals135,000.0
2018PurchaseNo CharacteristicAll Appraisals0.9
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals132,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals1,268.0
2017PurchaseNo CharacteristicAll Appraisals841.0
2017PurchaseNo CharacteristicAll Appraisals134,000.0
2017RefinanceNo CharacteristicAll Appraisals427.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals133,000.0
2016PurchaseNo CharacteristicAll Appraisals777.0
2016RefinanceNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals128,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals134,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals1,472.0
2016RefinanceNo CharacteristicAll Appraisals695.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals130,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals141,000.0
2015BothNo CharacteristicAll Appraisals1,302.0
2015RefinanceNo CharacteristicAll Appraisals580.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals722.0
2015BothNo CharacteristicAll Appraisals134,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals127,500.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0586,92383,3023,6214.2%
2026-0486,59882,9993,5994.2%
2026-0387,17283,2103,9624.5%
2026-0287,37982,8134,5665.2%
2026-0186,84582,5684,2774.9%
2025-1287,03783,4123,6254.2%
2025-1187,84784,4073,4403.9%
2025-0986,50782,8903,6174.2%
2025-0885,21681,3403,8764.5%
2025-0785,88582,0573,8284.5%
2025-0686,48683,0143,4724.0%
2025-0585,91982,8873,0323.5%
2025-0486,12883,1193,0093.5%
2025-0384,76281,1093,6534.3%
2025-0284,93480,8924,0424.8%
2025-0183,70079,7953,9054.7%
2024-1284,21880,9293,2893.9%
2024-1184,86781,8293,0383.6%
2024-1085,34382,4002,9433.4%
2024-0985,32582,4322,8933.4%
2024-0884,97781,3583,6194.3%
2024-0785,82782,1373,6904.3%
2024-0686,62283,2553,3673.9%
2024-0585,57782,5203,0573.6%
2024-0485,20182,1803,0213.5%
2024-0385,75382,0983,6554.3%
2024-0285,69581,6444,0514.7%
2024-0185,22081,1974,0234.7%
2023-1285,37781,8093,5684.2%
2023-1186,62683,5653,0613.5%
2023-1086,24883,0953,1533.7%
2023-0985,92682,9712,9553.4%
2023-0885,89382,4663,4274.0%
2023-0786,56583,4143,1513.6%
2023-0686,64083,6133,0273.5%
2023-0585,75483,1112,6433.1%
2023-0485,55483,1492,4052.8%
2023-0385,06481,8343,2303.8%
2023-0284,66981,0113,6584.3%
2023-0184,36480,6423,7224.4%
2022-1283,82480,8982,9263.5%
2022-1184,33581,6402,6953.2%
2022-1084,80982,1952,6143.1%
2022-0984,68681,9402,7463.2%
2022-0884,47580,9653,5104.2%
2022-0784,97481,4993,4754.1%
2022-0685,43782,2413,1963.7%
2022-0585,21582,4422,7733.3%
2022-0484,41381,5702,8433.4%
2022-0384,76081,2343,5264.2%
2022-0285,16481,2273,9374.6%
2022-0184,37780,5133,8644.6%
2021-1284,13681,3352,8013.3%
2021-1184,66081,7082,9523.5%
2021-1084,17780,9103,2673.9%
2021-0984,89181,3763,5154.1%
2021-0884,92880,6214,3075.1%
2021-0785,36380,7054,6585.5%
2021-0685,94781,1724,7755.6%
2021-0585,43681,2384,1984.9%
2021-0485,29280,7384,5545.3%
2021-0385,17979,6495,5306.5%
2021-0285,06979,0805,9897.0%
2021-0184,75678,8595,8977.0%
2020-1284,81479,5505,2646.2%
2020-1185,24480,5944,6505.5%
2020-1085,14380,4214,7225.5%
2020-0985,86180,2925,5696.5%
2020-0886,15379,7266,4277.5%
2020-0787,13778,7778,3609.6%
2020-0687,55778,8158,74210.0%
2020-0586,11875,36710,75112.5%
2020-0484,91070,22014,69017.3%
2020-0387,76782,3895,3786.1%
2020-0287,82683,0324,7945.5%
2020-0187,33982,5394,8005.5%
2019-1287,72583,6324,0934.7%
2019-1188,17284,5763,5964.1%
2019-1088,34084,7693,5714.0%
2019-0988,42184,9303,4913.9%
2019-0888,36084,3204,0404.6%
2019-0788,97484,7864,1884.7%
2019-0689,25085,5503,7004.1%
2019-0588,49485,2043,2903.7%
2019-0487,97984,4973,4824.0%
2019-0388,28884,0134,2754.8%
2019-0287,92483,4204,5045.1%
2019-0187,84383,1764,6675.3%
2018-1288,21484,3563,8584.4%
2018-1188,55785,2603,2973.7%
2018-1088,80285,4333,3693.8%
2018-0988,95985,5733,3863.8%
2018-0888,52484,5493,9754.5%
2018-0789,48785,2764,2114.7%
2018-0690,30186,1464,1554.6%
2018-0589,08185,4613,6204.1%
2018-0488,55284,3244,2284.8%
2018-0388,39583,4404,9555.6%
2018-0288,25282,6705,5826.3%
2018-0187,89082,4285,4626.2%

BEA Personal Income

2024$10.87B196,397$55K
2023$10.35B196,383$53K
2022$9.71B197,340$49K
2021$9.97B198,596$50K
2020$9.39B198,172$47K
2019$8.63B198,864$43K
2018$8.29B199,471$42K
2017$8.13B199,626$41K
2016$7.71B200,068$39K
2015$7.65B200,593$38K
2014$7.40B201,029$37K
2013$7.37B200,808$37K
2012$7.39B200,667$37K
2011$7.27B200,464$36K
2010$7.10B200,693$35K
2009$6.89B200,935$34K
2008$6.80B201,029$34K
2007$6.41B200,877$32K
2006$6.03B200,905$30K
2005$5.68B200,477$28K
2004$5.64B200,974$28K
2003$5.45B201,037$27K
2002$5.44B201,438$27K
2001$5.33B200,868$27K
2000$5.29B200,351$26K
1999$4.99B200,881$25K
1998$4.79B201,072$24K
1997$4.69B202,053$23K
1996$4.52B204,415$22K
1995$4.40B207,478$21K
1994$4.31B210,823$20K
1993$4.29B212,756$20K
1992$4.31B213,460$20K
1991——$20K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-08-04$0$0$0Yes
2025-07-13$0$0$0Yes
2025-07-13$16K$16K$0Yes
2025-07-03$0——Yes
2024-08-09$0$0$0No
2024-03-25$3K$3K$0Yes
2023-12-03$0——Yes
2023-05-01$0$0$0No
2021-07-19$4K$4K$148.72Yes
2021-07-17$31K$31K$0No
2021-07-12$127K$110K$17KNo
2021-07-12$9K$9K$45.92Yes
2021-07-11$12K$12K$0Yes
2021-07-11$7K$7K$0Yes
2021-07-11$0$0$0No
2021-07-11$14K$14K$0Yes
2021-07-11$14K$13K$771.83Yes
2021-07-11$22K$18K$5KYes
2021-07-11$15K$15K$0Yes
2021-07-11$9K$8K$872.91Yes
2021-07-11$69K$44K$25KYes
2021-07-11$59K$58K$753.1Yes
2021-07-02$32K$32K$0No
2020-12-25$11K$6K$5KYes
2020-12-25$646.71$646.71$0Yes
2020-12-25$0$0$0Yes
2020-12-25$5K$5K$0No
2020-12-25$29K$26K$4KYes
2020-12-25$15K$15K$767.44Yes
2020-12-24$1K$1K$0Yes
2020-12-24$2K$2K$0Yes
2020-12-24$0$0$0Yes
2019-10-31$0——Yes
2019-07-20$5K$5K$0No
2019-01-23$4K$4K$0Yes
2018-09-18$55K$41K$14KYes
2018-09-18$84K$55K$29KYes
2018-09-18$150K$100K$50KNo
2018-09-18$152K$128K$25KYes
2018-09-18$3K$3K$0Yes
2018-09-18$31K$28K$3KYes
2018-09-18$4K$4K$0Yes
2018-09-18$34K$26K$8KYes
2018-09-18$8K$1K$7KYes
2018-08-16$7K$7K$0Yes
2018-08-15$33K$33K$0Yes
2018-08-15$3K$3K$0Yes
2018-08-14$17K$17K$0Yes
2018-08-14$12K$12K$0Yes
2018-08-14$8K$5K$3KYes
2018-08-14$32K$18K$14KYes
2018-08-14$48K$41K$7KYes
2018-08-14$9K$9K$0Yes
2018-08-14$8K$8K$0Yes
2018-08-14$8K$8K$0Yes
2018-08-14$99K$99K$0No
2018-08-14$10K$8K$2KYes
2018-08-14$23K$21K$2KYes
2018-08-14$16K$16K$0No
2018-08-14$10K$10K$0Yes
2018-08-14$15K$15K$0Yes
2018-08-14$13K$13K$0Yes
2018-08-14$25K$0$25KNo
2018-08-14$108K$81K$27KYes
2018-08-14$5K$5K$0Yes
2018-08-14$3K$3K$0Yes
2018-08-14$83K$83K$0No
2018-08-14$112K$112K$0No
2018-08-14$3K$3K$0Yes
2018-08-14$16K$0$16KNo
2018-08-14$649.83$649.83$0Yes
2018-08-14$161K$70K$92KNo
2018-08-14$14K$14K$0Yes
2018-08-14$23K$21K$2KYes
2018-08-14$6K$6K$0Yes
2018-08-14$17K$11K$6KYes
2018-08-14$3K$3K$0Yes
2018-08-14$0——No
2018-08-13$8K$8K$0No
2018-08-08$7K$7K$0Yes
2017-10-30$6K$6K$0No
2017-07-24$3K$3K$0Yes
2017-07-24$0——Yes
2017-07-24$2K$2K$0No
2017-07-24$2K$2K$0Yes
2017-07-24$0——No
2017-07-24$18K$13K$5KYes
2017-07-24$2K$2K$0Yes
2017-07-24$21K$21K$0Yes
2017-07-23$0——Yes
2017-07-23$65K$45K$20KYes
2017-07-23$25K$25K$0No
2017-07-23$0——Yes
2017-07-23$38K$30K$8KNo
2017-07-23$7K$7K$0Yes
2017-07-23$17K$17K$0Yes
2017-07-23$7K$7K$527.18Yes
2017-07-23$15K$15K$0No
2017-07-23$72K$72K$0No
2017-07-18$0——No

ALSO CHECKED

18 more data areas were checked for Broome 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 BROOME COUNTY →Opens the loan explorer already filtered to county FIPS 36007.

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.