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State markets/New York/Dutchess County

COUNTY MORTGAGE MARKET · FIPS 36027

Dutchess County, New York

Who lends in Dutchess 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

$1.77B

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

Originations · 2025

5,064

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

Denial rate · 2025

20.5%

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

Lenders active · 2025

264

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

Concentration (HHI)

353

unconcentrated

Top-5 lender share

32.8%

of originations

Purchase

63.8%

2,289 loans

Refinance

36.2%

1,296 loans

Origination trend

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

Lenders in Dutchess 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 Dutchess 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 DUTCHESS COUNTY →

TOP TEN LENDERS IN DUTCHESS COUNTY · 10

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

1–10 OF 10 LENDERS

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

1,306$208.4M$208.4M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$120.0M$120.0M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
383$100.1M$100.1M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
204$84.0M$84.0M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
153$69.1M$69.1M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
176$67.0M$67.0M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
142$58.2M$58.2M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$48.8M$48.8M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
62$45.0M$45.0M originated in Dutchess County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
167$44.6M$44.6M originated in Dutchess 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 Dutchess County

All 35 ZIP Code Tabulation Areas that touch Dutchess 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.
35 OF 35 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 18 Dutchess County tracts this ZIP area touches sit mostly inside it.44,23037.6%11,982——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 22 Dutchess County tracts this ZIP area touches sit mostly inside it.42,24254.7%6,223——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Dutchess County tracts this ZIP area touches sit mostly inside it.38,17037.2%8,758——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Dutchess County tracts this ZIP area touches sit mostly inside it.28,74925.0%8,605——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Dutchess County tracts this ZIP area touches sit mostly inside it.18,02537.4%4,603——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Dutchess County tracts this ZIP area touches sit mostly inside it.13,17824.4%3,307——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Dutchess County tracts this ZIP area touches sit mostly inside it.12,45531.3%3,491——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Dutchess County tracts this ZIP area touches sit mostly inside it.10,63130.6%2,712——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Dutchess County tracts this ZIP area touches sit mostly inside it.10,41615.0%3,151——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.8,41916.8%2,756——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Dutchess County tracts this ZIP area touches sit mostly inside it.8,23617.3%2,459——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.8,12520.0%2,298——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Dutchess County tracts this ZIP area touches sit mostly inside it.8,01222.7%2,416——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Dutchess County tracts this ZIP area touches sit mostly inside it.7,59614.3%2,186——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Dutchess County tracts this ZIP area touches sit mostly inside it.5,18421.8%1,655——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 5 Dutchess County tracts this ZIP area touches sit mostly inside it.4,59529.6%1,402——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 7 Dutchess County tracts this ZIP area touches sit mostly inside it.4,52218.9%1,462——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.3,82034.5%1,000——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.3,76921.1%951——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.3,68216.5%1,195——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Dutchess County tracts this ZIP area touches sit mostly inside it.2,97122.0%911——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Dutchess County tracts this ZIP area touches sit mostly inside it.2,21813.4%688——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Dutchess County tracts this ZIP area touches sit mostly inside it.1,78219.0%345——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Dutchess County tracts this ZIP area touches sit mostly inside it.1,73716.9%524——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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 Dutchess 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.

82 of Dutchess County’s 82 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 Dutchess County

All 82 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.

82 OF 82 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate71.8%3,76921.1%OPEN →
Middle99.9%4,22624.2%OPEN →
Upper144.7%2,85320.0%OPEN →
Middle115.2%5,27220.0%OPEN →
Middle102.6%4,03712.8%OPEN →
Middle87.4%4,59529.6%OPEN →
Middle90.4%3,82034.5%OPEN →
Middle103.5%4,18026.6%OPEN →
Upper135.5%5,48222.8%OPEN →
Upper129.3%6,83726.1%OPEN →
Middle105.8%5,21225.2%OPEN →
Upper143.5%2,81225.6%OPEN →
Upper120.2%5,18421.8%OPEN →
Middle102.8%6,18948.0%OPEN →
Middle116.2%3,29730.1%OPEN →
Middle96.2%4,30228.3%OPEN →
Middle108.2%4,33427.2%OPEN →
Upper120.3%2,65839.1%OPEN →
Middle93.6%2,16631.8%OPEN →
Middle103.7%4,38220.5%OPEN →
Middle90.5%3,37920.9%OPEN →
Middle98.6%2,97925.1%OPEN →
Middle88.6%6,00824.4%OPEN →
Middle115.7%4,27342.0%OPEN →
Upper141.5%5,11629.8%OPEN →
Middle104.4%3,67821.6%OPEN →
Upper131.1%4,58826.6%OPEN →
Middle117.3%2,59322.4%OPEN →
Upper122.2%2,24514.8%OPEN →
Middle104.5%2,97122.0%OPEN →
Upper127.3%3,78018.7%OPEN →
Middle94.0%2,23721.9%OPEN →
Middle116.5%1,99531.0%OPEN →
Moderate74.6%2,21813.4%OPEN →
Middle82.3%5,34122.1%OPEN →
Upper134.1%1,73716.9%OPEN →
Middle110.5%2,72118.6%OPEN →
Middle105.2%7,04335.0%OPEN →
Middle83.4%2,43738.2%OPEN →
Middle94.0%4,83534.9%OPEN →
Low48.8%3,02448.8%OPEN →
Middle82.9%2,87653.9%OPEN →
Upper127.0%5,36029.7%OPEN →
Middle97.0%2,65042.8%OPEN →
Middle108.0%2,87237.6%OPEN →
Upper126.8%6,76130.7%OPEN →
Middle116.1%2,83835.0%OPEN →
Upper133.6%1,78219.0%OPEN →
Middle98.5%3,48114.2%OPEN →
Middle117.6%2,71513.7%OPEN →
Middle91.1%1,97518.5%OPEN →
Upper142.7%2,42913.3%OPEN →
Upper179.8%2,47013.9%OPEN →
Middle100.9%2,69715.6%OPEN →
Middle113.6%3,68216.5%OPEN →
Upper120.6%4,55813.9%OPEN →
Middle112.8%3,87028.8%OPEN →
Middle100.5%1,86531.5%OPEN →
Middle97.0%2,64434.8%OPEN →
Middle112.9%5,40429.7%OPEN →
Middle102.3%3,60938.6%OPEN →
Middle102.7%2,32028.2%OPEN →
Middle107.9%3,32833.2%OPEN →
Middle109.6%3,06718.8%OPEN →
Middle106.4%1,45519.2%OPEN →
Middle99.9%5,43739.2%OPEN →
Middle90.9%4,12848.0%OPEN →
Middle112.5%4,15834.1%OPEN →
Moderate63.6%4,04562.4%OPEN →
Low8.7%85670.1%OPEN →
Low39.2%3,42478.5%OPEN →
Low48.8%4,93886.6%OPEN →
Moderate51.1%2,57667.6%OPEN →
Middle99.4%3,94850.5%OPEN →
Moderate76.6%4,27263.5%OPEN →
Upper131.5%3,63629.4%OPEN →
Low45.3%3,88280.4%OPEN →
Moderate63.9%6,10346.6%OPEN →
Middle94.9%3,84845.0%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →

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

Housing & households

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

Population

298,220

Median household income

$99,478

Median home value

$400,600

Median gross rent

$1,582

per month

Owner-occupied

69.2%

of occupied units

Housing units

123,169

5.6% vacant

Poverty rate

8.4%

Unemployment

5.2%

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 88.3

Social vulnerability

Relatively Low

Community resilience

Relatively High

ELEVATED PERILS

Strong wind 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

77

Declarations recorded

27

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

Everything we hold on Dutchess 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 Dutchess County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Dutchess County →Every reported application and origination in FIPS 36027, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Dutchess 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

98

—

Purchase share

55.1%

54 loans

IRRRL refinances

27

Cash-out refinances

17

202698—542717
2025110—711128
202479—53818
2023106—75031
2022——982760
2021354—12016074
2020255—10610742
2019158—1001246
2018191—1211555
2017214—1284343
2016183—1212339
2015192—1162749

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 Dutchess 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

Dutchess 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

292

−1.0% vs 2024

Multifamily · 2025

260

−23.1% vs 2024

Total authorized · 2025

552

−12.8% vs 2024

Permit valuation · 2025

$206.9M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025552 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 Dutchess County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS1,2042,044$106.3M
inflow2223Westchester County, NY9571,693$92.2M
inflow2223Other flows - South, DS7041,093$52.4M
outflow2223Ulster County, NY629946$48.2M
outflow2223Other flows - Northeast, DS511737$40.1M
inflow2223Ulster County, NY504749$33.5M
outflow2223Orange County, NY501750$35.2M
inflow2223Orange County, NY500745$59.3M
inflow2223Bronx County, NY437854$31.9M
inflow2223Other flows - Northeast, DS434630$41.6M
outflow2223Westchester County, NY422638$43.8M
inflow2223Putnam County, NY411716$35.8M
inflow2223Kings County, NY377616$53.1M
inflow2223New York County, NY353546$89.0M
outflow2223New York County, NY308387$50.6M
outflow2223Other flows - West, DS303398$20.2M
inflow2223Queens County, NY272476$27.2M
inflow2223Other flows - West, DS269365$17.5M
outflow2223Kings County, NY218302$28.7M
outflow2223Putnam County, NY211347$15.3M
outflow2223Other flows - Midwest, DS211331$16.6M
outflow2223Western Connecticut Planning Regi, CT204294$21.8M
inflow2223Other flows - Midwest, DS161223$10.9M
inflow2223Western Connecticut Planning Regi, CT154230$11.0M
outflow2223Queens County, NY152202$10.3M
outflow2223Columbia County, NY135207$9.2M
outflow2223Bronx County, NY126229$7.3M
outflow2223Horry County, SC116204$9.5M
inflow2223Columbia County, NY114177$6.3M
outflow2223Albany County, NY109149$6.1M
inflow2223Suffolk County, NY108157$11.4M
inflow2223Nassau County, NY103170$15.7M
outflow2223Rensselaer County, NY79101$4.9M
outflow2223Palm Beach County, FL75117$10.3M
outflow2223Foreign - Overseas, FR72120$4.8M
outflow2223Los Angeles County, CA6779$5.5M
inflow2223Rockland County, NY66117$5.0M
outflow2223Northwest Hills Planning Region, CT66104$5.3M
inflow2223Albany County, NY6284$3.5M
outflow2223Saratoga County, NY5985$5.7M
outflow2223Suffolk County, NY5988$6.0M
inflow2223Los Angeles County, CA5881$6.0M
inflow2223Hudson County, NJ5186$8.1M
outflow2223Greene County, NY4780$2.6M
outflow2223Naugatuck Valley Planning Region, CT4661$3.5M
outflow2223Wake County, NC4675$4.0M
outflow2223Nassau County, NY4676$3.7M
inflow2223Bergen County, NJ4574$3.5M
outflow2223Hillsborough County, FL4468$4.1M
outflow2223Middlesex County, MA4354$3.3M
outflow2223Mecklenburg County, NC4367$3.2M
inflow2223Northwest Hills Planning Region, CT4170$2.7M
outflow2223Hudson County, NJ4146$2.6M
outflow2223Suffolk County, MA4045$2.5M
outflow2223Erie County, NY4051$2.2M
outflow2223Broward County, FL4054$2.7M
outflow2223Pinellas County, FL3961$3.7M
outflow2223Schenectady County, NY3866$1.8M
outflow2223Capitol Planning Region, CT3856$2.2M
inflow2223Foreign - Other flows, FR3749$2.0M
outflow2223Bergen County, NJ3644$3.0M
outflow2223St. Lucie County, FL3662$3.6M
inflow2223Greene County, NY3560$2.7M
outflow2223Monroe County, NY3545$2.7M
outflow2223Brunswick County, NC3250$3.4M
inflow2223Saratoga County, NY3243$2.5M
outflow2223Cook County, IL3246$2.3M
outflow2223Maricopa County, AZ3251$2.1M
outflow2223Rockland County, NY3247$2.1M
outflow2223Harris County, TX3158$3.7M
inflow2223Erie County, NY3140$2.0M
outflow2223Sullivan County, NY3049$2.0M
inflow2223Middlesex County, MA3036$3.1M
inflow2223Palm Beach County, FL3039$2.6M
inflow2223Broward County, FL3042$1.6M
outflow2223Pasco County, FL3050$2.1M
inflow2223Essex County, NJ2963$3.5M
inflow2223South Central Connecticut Plannin, CT2837$2.3M
outflow2223Orange County, FL2739$2.6M
outflow2223Onondaga County, NY2739$1.6M
inflow2223Monroe County, NY2734$1.4M
outflow2223Miami-Dade County, FL2735$2.6M
outflow2223Sussex County, DE2744$2.7M
outflow2223Brevard County, FL2645$2.4M
inflow2223Horry County, SC2647$1.0M
outflow2223Lee County, FL2547$2.8M
outflow2223Philadelphia County, PA2530$717K
inflow2223Sullivan County, NY2534$1.2M
inflow2223Onondaga County, NY2430$2.0M
outflow2223Sarasota County, FL2440$4.2M
outflow2223Travis County, TX2430$2.3M
outflow2223Duval County, FL2440$1.1M
outflow2223Lake County, FL2437$2.5M
inflow2223Orange County, FL2330$1.4M
inflow2223Capitol Planning Region, CT2331$1.7M
outflow2223Southeastern Connecticut Planning, CT2226$1.2M
outflow2223Clark County, NV2236$1.2M
inflow2223San Diego County, CA2233$1.4M
inflow2223Philadelphia County, PA2226$1.5M
outflow2223Essex County, NJ2232$1.7M
inflow2223Denver County, CO2123$1.1M
outflow2223Pike County, PA2147$1.8M
outflow2223Foreign - Other flows, FR2131$897K
inflow2223Richmond County, NY2133$1.3M
outflow2223Volusia County, FL2136$1.1M
outflow2223San Diego County, CA2127$1.5M
inflow2223Wake County, NC2028$1.5M
outflow2223South Central Connecticut Plannin, CT2026$1.2M
inflow2223San Francisco County, CA2026$3.2M
inflow2223Rensselaer County, NY2026$1.2M
outflow2223Manatee County, FL2026$2.4M
outflow2223Fairfax County, VA2028$2.1M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,2062,206$108.9M
inflow2122Westchester County, NY1,0971,977$114.8M
inflow2122Other flows - South, DS6861,082$53.8M
outflow2122Other flows - Northeast, DS572924$54.3M
inflow2122Ulster County, NY561867$54.5M
outflow2122Ulster County, NY551836$33.1M
inflow2122Orange County, NY516807$35.3M
outflow2122Orange County, NY503828$31.6M
outflow2122Westchester County, NY474757$60.9M
inflow2122Putnam County, NY461758$38.1M
inflow2122Bronx County, NY434865$33.7M
inflow2122Kings County, NY434717$67.9M
inflow2122New York County, NY405662$93.7M
inflow2122Other flows - Northeast, DS364536$29.7M
inflow2122Other flows - West, DS317516$49.3M
outflow2122Other flows - West, DS305456$29.0M
inflow2122Queens County, NY301496$31.2M
outflow2122New York County, NY285402$73.5M
outflow2122Putnam County, NY260411$20.5M
outflow2122Kings County, NY219297$28.8M
outflow2122Western Connecticut Planning Regi, CT214357$22.6M
outflow2122Other flows - Midwest, DS196297$14.8M
inflow2122Western Connecticut Planning Regi, CT158225$15.4M
outflow2122Columbia County, NY148240$11.0M
inflow2122Other flows - Midwest, DS143244$9.6M
outflow2122Bronx County, NY129211$7.8M
outflow2122Horry County, SC126223$10.2M
outflow2122Queens County, NY124175$9.7M
outflow2122Albany County, NY121162$8.0M
inflow2122Columbia County, NY119198$8.3M
inflow2122Suffolk County, NY113180$12.8M
inflow2122Nassau County, NY92165$12.3M
outflow2122Suffolk County, NY86115$6.1M
outflow2122Palm Beach County, FL85132$16.2M
inflow2122Rockland County, NY82130$8.6M
inflow2122Albany County, NY7194$4.8M
outflow2122Northwest Hills Planning Region, CT69117$6.3M
outflow2122Saratoga County, NY67106$6.6M
outflow2122Mecklenburg County, NC6295$4.1M
outflow2122Greene County, NY6185$3.5M
inflow2122Los Angeles County, CA5988$5.9M
outflow2122Sullivan County, NY5778$3.0M
inflow2122Bergen County, NJ5477$7.2M
outflow2122Naugatuck Valley Planning Region, CT5293$2.6M
outflow2122Hillsborough County, FL5285$3.7M
outflow2122Los Angeles County, CA5264$5.1M
inflow2122Hudson County, NJ5282$8.0M
outflow2122Rensselaer County, NY5174$3.7M
outflow2122Rockland County, NY5073$3.2M
outflow2122Lee County, FL5087$4.5M
outflow2122Broward County, FL4869$3.8M
outflow2122Hudson County, NJ4750$2.9M
outflow2122Middlesex County, MA4658$4.7M
outflow2122Wake County, NC4470$3.5M
outflow2122Nassau County, NY4362$3.8M
outflow2122Capitol Planning Region, CT4162$3.4M
inflow2122Greene County, NY4161$2.8M
outflow2122Orange County, FL4068$3.3M
outflow2122Suffolk County, MA3948$2.9M
outflow2122Schenectady County, NY3971$2.0M
outflow2122Volusia County, FL3856$2.3M
inflow2122Northwest Hills Planning Region, CT3569$2.0M
inflow2122Palm Beach County, FL3544$2.7M
outflow2122Erie County, NY3444$2.3M
inflow2122Maricopa County, AZ3352$3.2M
outflow2122Maricopa County, AZ3257$3.7M
outflow2122Monroe County, NY3147$1.4M
outflow2122Pasco County, FL3155$2.6M
outflow2122Bergen County, NJ3154$3.6M
outflow2122Brunswick County, NC3059$3.0M
outflow2122San Diego County, CA3042$2.7M
inflow2122Middlesex County, MA2944$2.8M
outflow2122Brevard County, FL2954$1.7M
outflow2122Clark County, NV2943$2.2M
outflow2122Philadelphia County, PA2944$2.5M
inflow2122Essex County, NJ2951$3.3M
inflow2122Sullivan County, NY2847$1.6M
outflow2122Miami-Dade County, FL2838$3.1M
inflow2122Naugatuck Valley Planning Region, CT2737$1.5M
outflow2122Denver County, CO2628$1.7M
outflow2122Pinellas County, FL2633$1.7M
inflow2122South Central Connecticut Plannin, CT2631$1.8M
outflow2122Marion County, FL2652$2.0M
outflow2122Collier County, FL2641$3.2M
outflow2122Sussex County, DE2650$3.3M
outflow2122South Central Connecticut Plannin, CT2633$2.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Dutchess County.

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

2023PurchaseNo CharacteristicAll Appraisals1,614.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals459.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals2,073.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals435,000.0
2023BothNo CharacteristicAll Appraisals430,000.0
2023PurchaseNo CharacteristicAll Appraisals430,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals405,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals405,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,055.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals405,000.0
2022BothNo CharacteristicAll Appraisals3,041.0
2022PurchaseNo CharacteristicAll Appraisals1,986.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals389,000.0
2021BothNo CharacteristicAll Appraisals5,256.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,581.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals2,675.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals390,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals390,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals5,083.0
2020PurchaseNo CharacteristicAll Appraisals2,545.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals350,000.0
2020RefinanceNo CharacteristicAll Appraisals351,000.0
2020RefinanceNo CharacteristicAll Appraisals2,538.0
2020PurchaseNo CharacteristicAll Appraisals350,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals317,000.0
2019PurchaseNo CharacteristicAll Appraisals2,037.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals326,000.0
2019BothNo CharacteristicAll Appraisals3,396.0
2019RefinanceNo CharacteristicAll Appraisals1,359.0
2019PurchaseNo CharacteristicAll Appraisals310,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals306,000.0
2018BothNo CharacteristicAll Appraisals2,824.0
2018PurchaseNo CharacteristicAll Appraisals1,907.0
2018RefinanceNo CharacteristicAll Appraisals917.0
2018BothNo CharacteristicAll Appraisals300,000.0
2018PurchaseNo CharacteristicAll Appraisals296,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals300,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals2,983.0
2017PurchaseNo CharacteristicAll Appraisals1,878.0
2017PurchaseNo CharacteristicAll Appraisals275,800.0
2017RefinanceNo CharacteristicAll Appraisals1,105.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals285,000.0
2016PurchaseNo CharacteristicAll Appraisals1,767.0
2016RefinanceNo CharacteristicAll Appraisals300,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals267,500.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals283,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals3,431.0
2016RefinanceNo CharacteristicAll Appraisals1,664.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals261,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals290,000.0
2015BothNo CharacteristicAll Appraisals2,849.0
2015RefinanceNo CharacteristicAll Appraisals1,357.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,492.0
2015BothNo CharacteristicAll Appraisals276,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals270,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05153,798148,4265,3723.5%
2026-04152,982147,8745,1083.3%
2026-03153,954148,4445,5103.6%
2026-02153,723147,6126,1114.0%
2026-01153,367147,8195,5483.6%
2025-12154,411149,5824,8293.1%
2025-11155,449150,4225,0273.2%
2025-09154,719149,2475,4723.5%
2025-08153,154147,4695,6853.7%
2025-07154,284148,7145,5703.6%
2025-06154,841149,8674,9743.2%
2025-05153,090148,6174,4732.9%
2025-04152,798148,5404,2582.8%
2025-03152,688147,6275,0613.3%
2025-02152,004146,4265,5783.7%
2025-01151,197145,9625,2353.5%
2024-12151,870147,4424,4282.9%
2024-11152,891148,4374,4542.9%
2024-10153,054148,6074,4472.9%
2024-09153,347148,9384,4092.9%
2024-08152,147146,8495,2983.5%
2024-07154,454148,9975,4573.5%
2024-06154,540149,6084,9323.2%
2024-05152,428147,9344,4942.9%
2024-04151,783147,4834,3002.8%
2024-03152,252147,1705,0823.3%
2024-02151,425145,9025,5233.6%
2024-01151,036145,8105,2263.5%
2023-12151,778147,0524,7263.1%
2023-11154,017149,4424,5753.0%
2023-10153,534148,6204,9143.2%
2023-09153,326148,6184,7083.1%
2023-08152,488147,3275,1613.4%
2023-07154,196149,4634,7333.1%
2023-06154,256149,7994,4572.9%
2023-05152,217148,1664,0512.7%
2023-04151,253147,7933,4602.3%
2023-03150,380146,0894,2912.9%
2023-02149,668144,7794,8893.3%
2023-01148,348143,5834,7653.2%
2022-12148,730144,8883,8422.6%
2022-11149,020145,1753,8452.6%
2022-10149,602145,8373,7652.5%
2022-09149,678145,5874,0912.7%
2022-08149,589144,6324,9573.3%
2022-07150,877145,9784,8993.2%
2022-06151,514146,9194,5953.0%
2022-05149,443145,3604,0832.7%
2022-04148,139144,1284,0112.7%
2022-03148,584143,7384,8463.3%
2022-02147,989142,6015,3883.6%
2022-01146,612141,4125,2003.5%
2021-12147,253143,3343,9192.7%
2021-11147,705143,2864,4193.0%
2021-10147,103142,1374,9663.4%
2021-09146,748141,3455,4033.7%
2021-08146,631140,1216,5104.4%
2021-07148,080141,1566,9244.7%
2021-06148,134141,0287,1064.8%
2021-05146,576140,3016,2754.3%
2021-04146,408139,4856,9234.7%
2021-03145,548137,6327,9165.4%
2021-02144,494135,9288,5665.9%
2021-01144,653136,4478,2065.7%
2020-12145,366138,0107,3565.1%
2020-11146,329139,3167,0134.8%
2020-10146,212138,7827,4305.1%
2020-09145,802136,6969,1066.2%
2020-08146,210135,82710,3837.1%
2020-07147,053133,42213,6319.3%
2020-06146,449131,85714,59210.0%
2020-05145,805128,44917,35611.9%
2020-04143,796121,25222,54415.7%
2020-03150,801144,2276,5744.4%
2020-02152,320146,4605,8603.8%
2020-01152,821147,0515,7703.8%
2019-12151,741146,6485,0933.4%
2019-11152,950148,0624,8883.2%
2019-10152,643147,6165,0273.3%
2019-09152,311147,3954,9163.2%
2019-08151,250145,7335,5173.6%
2019-07152,854147,3575,4973.6%
2019-06151,933146,9554,9783.3%
2019-05150,701146,1474,5543.0%
2019-04150,397145,9124,4853.0%
2019-03150,527145,3385,1893.4%
2019-02149,785144,2655,5203.7%
2019-01150,757145,2635,4943.6%
2018-12150,829146,1254,7043.1%
2018-11151,409147,0094,4002.9%
2018-10150,963146,3154,6483.1%
2018-09150,126145,4474,6793.1%
2018-08148,994143,7355,2593.5%
2018-07151,278145,7705,5083.6%
2018-06151,817146,2485,5693.7%
2018-05149,404144,5314,8733.3%
2018-04149,188143,9415,2473.5%
2018-03148,670142,7495,9214.0%
2018-02148,303141,6056,6984.5%
2018-01148,470142,0576,4134.3%

BEA Personal Income

2024$22.55B299,963$75K
2023$21.37B298,224$72K
2022$20.10B298,186$67K
2021$20.00B298,816$67K
2020$18.56B295,913$63K
2019$17.48B296,034$59K
2018$16.25B295,687$55K
2017$15.79B295,158$54K
2016$15.05B294,484$51K
2015$14.66B295,297$50K
2014$13.97B296,127$47K
2013$13.71B297,030$46K
2012$13.64B297,539$46K
2011$13.15B298,424$44K
2010$12.61B297,778$42K
2009$12.31B296,887$41K
2008$12.52B296,267$42K
2007$12.07B295,319$41K
2006$11.41B294,712$39K
2005$10.82B294,362$37K
2004$10.38B292,859$35K
2003$9.93B290,781$34K
2002$9.62B287,700$33K
2001$9.62B284,712$34K
2000$9.11B280,914$32K
1999$8.42B277,586$30K
1998$7.92B273,784$29K
1997$7.60B270,935$28K
1996$7.07B268,986$26K
1995$6.71B266,538$25K
1994$6.33B264,860$24K
1993$6.33B265,585$24K
1992$6.28B264,450$24K
1991——$23K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-10$0——Yes
2025-06-12$0——Yes
2025-05-09$494.54$494.54$0Yes
2024-03-01$0$0$0No
2024-01-10$23K$21K$3KNo
2024-01-09$18K$14K$4KYes
2024-01-09$34K$34K$0Yes
2024-01-09$15K$15K$0Yes
2023-12-19$0$0$0Yes
2023-12-18$54K$54K$0Yes
2023-12-18$19K$19K$0Yes
2023-12-18$22K$22K$0Yes
2023-12-18$3K$3K$0Yes
2023-12-18$64K$56K$7KYes
2023-12-18$32K$29K$3KYes
2023-10-30$9K$9K$0Yes
2023-09-28$20K$18K$2KYes
2023-09-26$0$0$0Yes
2023-09-25$3K$3K$0Yes
2023-08-12$21K$21K$0Yes
2023-07-13$3K$3K$0Yes
2023-07-10$0——Yes
2023-07-10$5K$5K$0Yes
2023-07-10$357K$357K$0No
2023-07-10$0$0$0No
2023-07-10$64K$64K$0Yes
2023-07-10$28K$28K$0Yes
2023-07-10$77K$66K$11KYes
2023-07-10$24K$18K$7KYes
2023-07-10$74K$74K$0Yes
2023-07-10$35K$35K$0Yes
2023-07-10$0$0$0Yes
2023-07-10$76K$73K$3KYes
2023-07-09$17K$17K$0No
2023-07-09$9K$9K$0Yes
2023-05-29$0$0$0Yes
2023-02-05$0——Yes
2022-09-01$0——Yes
2022-05-24$0$0$0Yes
2022-04-08$11K$11K$0Yes
2022-04-08$0——Yes
2022-04-08$2K$2K$0Yes
2022-04-08$6K$6K$0Yes
2022-04-08$10K$10K$0Yes
2022-04-08$0$0$0Yes
2022-04-07$790.61$790.61$0Yes
2022-04-07$6K$6K$0No
2021-09-03$38K$38K$0No
2021-09-03$45K$43K$2KYes
2021-09-02$7K$7K$0Yes
2021-09-02$3K$3K$0Yes
2021-09-02$48K$48K$0Yes
2021-09-02$17K$17K$0Yes
2021-09-02$129K$129K$0Yes
2021-09-02$6K$6K$0Yes
2021-09-02$11K$11K$0Yes
2021-09-02$12K$12K$0No
2021-09-02$25K$25K$0Yes
2021-09-02$50K$50K$0No
2021-09-02$61K$54K$8KYes
2021-09-02$0$0$0No
2021-09-02$0——Yes
2021-09-02$11K$11K$0Yes
2021-09-02$14K$14K$0Yes
2021-09-02$20K$15K$5KYes
2021-09-02$4K$0$4KYes
2021-09-02$0$0$0No
2021-09-02$57K$51K$6KYes
2021-09-02$42K$35K$7KYes
2021-09-02$9K$9K$0Yes
2021-09-02$0——Yes
2021-09-02$26K$18K$8KYes
2021-09-02$16K$16K$0No
2021-09-02$3K$3K$0Yes
2021-09-02$8K$8K$0Yes
2021-09-02$13K$10K$3KNo
2021-09-02$45K$37K$8KYes
2021-09-02$0$0$0Yes
2021-09-02$458.08$458.08$0Yes
2021-09-02$1K$1K$0Yes
2021-09-02$10K$3K$7KYes
2021-09-02$18K$18K$0Yes
2021-09-02$41K$41K$0Yes
2021-09-02$25K$25K$0Yes
2021-09-02$0——Yes
2021-09-02$11K$11K$0Yes
2021-09-02$34K$34K$0Yes
2021-09-02$1K$1K$0Yes
2021-09-02$9K$9K$0Yes
2021-09-02$3K$3K$0Yes
2021-09-01$10K$10K$0Yes
2021-09-01$10K$10K$0Yes
2021-09-01$7K$7K$0Yes
2021-09-01$9K$7K$3KNo
2021-09-01$45K$45K$0Yes
2021-09-01$36K$36K$0Yes
2021-09-01$10K$10K$0Yes
2021-09-01$18K$18K$0Yes
2021-09-01$5K$5K$0Yes
2021-09-01$0$0$0No

ALSO CHECKED

18 more data areas were checked for Dutchess 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 DUTCHESS COUNTY →Opens the loan explorer already filtered to county FIPS 36027.

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.