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State markets/New York/Greene County

COUNTY MORTGAGE MARKET · FIPS 36039

Greene County, New York

Who lends in Greene 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

$267.6M

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

Originations · 2025

988

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

Denial rate · 2025

21.5%

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

Lenders active · 2025

170

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

Concentration (HHI)

567

unconcentrated

Top-5 lender share

40.6%

of originations

Purchase

68.3%

486 loans

Refinance

31.7%

226 loans

Origination trend

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

Lenders in Greene 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 Greene 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 GREENE COUNTY →

TOP TEN LENDERS IN GREENE 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.

160$49.4M$49.4M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
141$27.9M$27.9M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
61$13.8M$13.8M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
25$10.6M$10.6M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
14$6.8M$6.8M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
12$6.3M$6.3M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
15$6.3M$6.3M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
7$6.0M$6.0M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
20$5.5M$5.5M originated in Greene County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
30$5.2M$5.2M originated in Greene 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 Greene County

All 42 ZIP Code Tabulation Areas that touch Greene 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.
42 OF 42 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
44 of the 6 Greene County tracts this ZIP area touches sit mostly inside it.11,29821.8%3,284——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Greene County tracts this ZIP area touches sit mostly inside it.8,84632.8%1,706——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Greene County tract this ZIP area touches sit mostly inside it.3,96914.2%945——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Greene County tracts this ZIP area touches sit mostly inside it.3,91614.0%1,326——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Greene County tracts this ZIP area touches sit mostly inside it.3,7419.4%1,300——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Greene County tracts this ZIP area touches sit mostly inside it.3,2269.7%1,027——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Greene County tracts this ZIP area touches sit mostly inside it.2,67511.9%834——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Greene County tract this ZIP area touches sit mostly inside it.2,62710.3%709——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Greene County tract this ZIP area touches sit mostly inside it.2,00111.3%368——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Greene County tract this ZIP area touches sit mostly inside it.1,89812.8%770——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Greene County tracts this ZIP area touches sit mostly inside it.1,70815.0%530——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Greene County tracts this ZIP area touches sit mostly inside it.1,4569.6%555——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Greene County tracts this ZIP area touches sit mostly inside it.1,03416.0%196——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 5 tracts of Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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 Greene 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.

18 of Greene County’s 18 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 Greene County

All 18 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.

18 OF 18 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper124.9%3,2269.7%OPEN →
Middle119.1%3,7419.4%OPEN →
Middle102.6%2,62710.3%OPEN →
Middle94.6%1,70815.0%OPEN →
Middle109.5%1,4569.6%OPEN →
Middle119.0%1,89812.8%OPEN →
Upper188.5%1,03416.0%OPEN →
Middle118.8%2,00111.3%OPEN →
Middle105.7%2,67511.9%OPEN →
Middle117.0%3,96914.2%OPEN →
Middle115.2%3,30513.4%OPEN →
Upper151.2%2,91715.0%OPEN →
—0.0%2,62477.0%OPEN →
Middle116.2%3,91614.0%OPEN →
Low35.2%1,75925.7%OPEN →
Moderate73.4%2,51832.2%OPEN →
Upper126.3%4,04915.7%OPEN →
Middle95.9%2,97219.0%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

47,409

Median household income

$77,945

Median home value

$271,600

Median gross rent

$1,004

per month

Owner-occupied

77.2%

of occupied units

Housing units

29,080

35.8% vacant

Poverty rate

9.9%

Unemployment

3.9%

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 68.3

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

80

Declarations recorded

29

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

Everything we hold on Greene 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 Greene County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Greene County →Every reported application and origination in FIPS 36039, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Greene 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

15

—

Purchase share

46.7%

7 loans

IRRRL refinances

2

Cash-out refinances

6

202615—726
202516—934
202416—1114
202327—2007
2022——16616
202157—22287
202050—30128
201938—3107
201829—18110
201735—2177
201644—3068
201545—26514

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 Greene 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

Greene 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

135

+31.1% vs 2024

Multifamily · 2025

5

−44.4% vs 2024

Total authorized · 2025

140

+25.0% vs 2024

Permit valuation · 2025

$41.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01252503755001990199219941996199820002002200420062008201020122014201620182020202220242025140 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 Greene County, showing population movement and wealth transfer.

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

outflow2223Foreign - Other flows, FR———
inflow2223Foreign - Other flows, FR———
outflow2223Albany County, NY237350$13.0M
outflow2223Other flows - South, DS237413$21.5M
inflow2223Ulster County, NY180310$8.9M
inflow2223Albany County, NY152239$8.4M
inflow2223Other flows - South, DS141223$7.3M
outflow2223Other flows - Northeast, DS138203$10.9M
inflow2223Other flows - Northeast, DS127185$10.2M
outflow2223Ulster County, NY114190$6.1M
inflow2223Columbia County, NY110189$8.2M
inflow2223Kings County, NY96209$9.4M
outflow2223Columbia County, NY72124$3.0M
inflow2223New York County, NY68125$14.1M
inflow2223Other flows - West, DS6085$4.2M
outflow2223Other flows - West, DS5373$8.2M
outflow2223Kings County, NY49123$13.2M
inflow2223Dutchess County, NY4780$2.6M
inflow2223Queens County, NY4665$5.3M
outflow2223Rensselaer County, NY4167$2.1M
inflow2223Rensselaer County, NY3653$2.2M
outflow2223Dutchess County, NY3560$2.7M
outflow2223New York County, NY3352$8.3M
outflow2223Other flows - Midwest, DS3254$1.9M
outflow2223Saratoga County, NY3239$1.9M
inflow2223Other flows - Midwest, DS3147$2.8M
inflow2223Nassau County, NY3046$4.7M
outflow2223Schoharie County, NY2860$1.4M
inflow2223Orange County, NY2436$1.9M
inflow2223Westchester County, NY2347$1.5M
outflow2223Schenectady County, NY2331$1.1M
inflow2223Suffolk County, NY2332$1.8M
inflow2122Foreign - Other flows, FR———
inflow2122Other flows - Midwest, DS———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS262471$16.5M
outflow2122Albany County, NY245401$18.3M
inflow2122Ulster County, NY183297$10.1M
inflow2122Albany County, NY130211$6.4M
inflow2122Other flows - Northeast, DS126183$11.1M
outflow2122Other flows - Northeast, DS122179$12.6M
inflow2122Other flows - South, DS111179$6.4M
inflow2122Columbia County, NY105164$6.9M
inflow2122Kings County, NY104203$18.8M
outflow2122Ulster County, NY101154$4.5M
outflow2122Columbia County, NY83149$5.5M
inflow2122New York County, NY75107$20.2M
outflow2122Rensselaer County, NY70101$3.6M
outflow2122Other flows - West, DS6496$5.0M
inflow2122Dutchess County, NY6185$3.5M
inflow2122Other flows - West, DS5577$8.7M
outflow2122Kings County, NY54114$5.5M
inflow2122Queens County, NY4463$4.1M
inflow2122Nassau County, NY4377$6.3M
outflow2122Dutchess County, NY4161$2.8M
outflow2122New York County, NY3761$6.1M
outflow2122Schoharie County, NY3567$1.9M
inflow2122Rensselaer County, NY3266$1.5M
outflow2122Other flows - Midwest, DS3059$2.1M
outflow2122Saratoga County, NY3046$2.0M
outflow2122Queens County, NY2433$2.7M
outflow2122Schenectady County, NY2433$1.1M
outflow2122Orange County, NY2228$1.6M
inflow2122Westchester County, NY2146$2.6M
inflow2122Suffolk County, NY2129$2.0M
outflow2122Nassau County, NY2131$1.8M
outflow2122Westchester County, NY2035$1.8M
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
outflow2021Albany County, NY252413$13.5M
outflow2021Other flows - South, DS234407$13.9M
inflow2021Ulster County, NY178292$9.1M
inflow2021Albany County, NY167273$8.0M
inflow2021Kings County, NY166296$26.7M
inflow2021New York County, NY144232$34.5M
inflow2021Other flows - South, DS135230$6.9M
inflow2021Other flows - Northeast, DS118191$8.6M
inflow2021Columbia County, NY112172$5.0M
outflow2021Other flows - Northeast, DS110163$7.7M
outflow2021Ulster County, NY106154$4.9M
inflow2021Queens County, NY85137$9.0M
outflow2021Columbia County, NY81126$3.3M
inflow2021Other flows - West, DS77112$5.4M
outflow2021Kings County, NY54128$3.8M
outflow2021Rensselaer County, NY5477$3.4M
inflow2021Dutchess County, NY5386$3.8M
outflow2021Other flows - West, DS5388$5.5M
inflow2021Nassau County, NY4267$7.2M
outflow2021Saratoga County, NY3759$2.1M
outflow2021Dutchess County, NY3563$1.9M
inflow2021Westchester County, NY3458$3.7M
inflow2021Suffolk County, NY3045$3.1M
outflow2021Other flows - Midwest, DS3045$1.3M
inflow2021Rensselaer County, NY2845$2.2M
outflow2021Schoharie County, NY2432$766K
inflow2021Schenectady County, NY2429$875K
outflow2021New York County, NY2433$2.1M
outflow2021Queens County, NY2335$1.1M
inflow2021Saratoga County, NY2233$1.2M
inflow2021Hudson County, NJ2239$4.0M
outflow2021Suffolk County, NY2036$1.3M
inflow2021Orange County, NY2029$789K
inflow2021Schoharie County, NY2038$786K
inflow2021Other flows - Midwest, DS2037$1.7M
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
outflow1920Albany County, NY236432$11.4M
outflow1920Other flows - South, DS201347$11.7M
inflow1920Ulster County, NY190315$10.0M
inflow1920Kings County, NY157283$20.6M
inflow1920Albany County, NY153248$7.3M
inflow1920Other flows - Northeast, DS136233$15.5M
inflow1920Other flows - South, DS127208$5.4M
inflow1920New York County, NY125222$31.7M
inflow1920Columbia County, NY116221$4.3M
outflow1920Ulster County, NY110203$4.8M
outflow1920Columbia County, NY97170$4.2M
outflow1920Other flows - Northeast, DS96136$5.3M
inflow1920Queens County, NY5999$6.9M
outflow1920Other flows - West, DS5382$3.1M
inflow1920Dutchess County, NY4972$3.0M
inflow1920Other flows - West, DS4564$2.9M
outflow1920Rensselaer County, NY4478$2.4M
outflow1920Saratoga County, NY3547$1.6M
inflow1920Rensselaer County, NY3462$1.9M
inflow1920Suffolk County, NY3253$3.1M
outflow1920Dutchess County, NY3139$1.9M
outflow1920Kings County, NY28102$89K
outflow1920Schenectady County, NY2640$1.1M
inflow1920Bronx County, NY2661$1.5M
outflow1920Schoharie County, NY2637$1.4M
inflow1920Other flows - Midwest, DS2538$1.7M
inflow1920Nassau County, NY2541$3.2M
inflow1920Orange County, NY2441$1.6M
outflow1920Other flows - Midwest, DS2132$1.1M
outflow1920New York County, NY2027$3.5M
outflow1819Other flows - Midwest, DS———
inflow1819Foreign - Other flows, FR———
inflow1819Other flows - Midwest, DS———
outflow1819Foreign - Other flows, FR———
outflow1819Albany County, NY249406$10.8M
outflow1819Other flows - South, DS183308$10.2M
inflow1819Ulster County, NY181292$8.4M
inflow1819Albany County, NY165268$8.1M
inflow1819Columbia County, NY122195$4.5M
outflow1819Ulster County, NY121206$6.0M
outflow1819Columbia County, NY101168$3.9M
inflow1819Other flows - South, DS99172$4.1M
inflow1819Other flows - Northeast, DS97158$6.7M
outflow1819Other flows - Northeast, DS96169$5.5M
inflow1819Kings County, NY71149$3.5M
outflow1819Rensselaer County, NY5479$2.3M
outflow1819Other flows - West, DS5274$2.6M
inflow1819Other flows - West, DS4366$2.1M
inflow1819New York County, NY3856$7.8M
inflow1819Queens County, NY3862$3.0M
inflow1819Dutchess County, NY3652$1.6M
outflow1819Saratoga County, NY3464$1.9M
inflow1819Nassau County, NY2949$2.6M
inflow1819Rensselaer County, NY2939$1.1M
outflow1819Dutchess County, NY2938$1.5M
inflow1819Suffolk County, NY2743$2.4M
outflow1819Kings County, NY2347$1.4M
outflow1819Suffolk County, NY2133$912K
inflow1819Westchester County, NY2029$1.6M
outflow1718Foreign - Other flows, FR———
inflow1718Foreign - Other flows, FR———
outflow1718Albany County, NY224350$10.2M
inflow1718Albany County, NY194352$9.7M
outflow1718Other flows - South, DS192365$10.4M
inflow1718Ulster County, NY161277$5.7M
inflow1718Columbia County, NY143235$5.3M
inflow1718Other flows - South, DS132229$5.7M
outflow1718Ulster County, NY128221$5.3M
inflow1718Other flows - Northeast, DS113172$9.9M
outflow1718Other flows - Northeast, DS95139$6.1M
outflow1718Columbia County, NY87138$3.0M
outflow1718Rensselaer County, NY5982$2.7M
inflow1718Kings County, NY58100$6.1M
outflow1718Other flows - West, DS5268$2.1M
inflow1718Dutchess County, NY4690$3.9M
inflow1718New York County, NY4667$7.8M
inflow1718Other flows - West, DS3750$2.2M
inflow1718Queens County, NY3749$2.8M
outflow1718Dutchess County, NY3150$2.1M
inflow1718Rensselaer County, NY3149$1.3M
outflow1718Kings County, NY2878$1.7M
outflow1718New York County, NY2632$1.8M
inflow1718Suffolk County, NY2641$1.9M
inflow1718Nassau County, NY2535$1.5M
outflow1718Other flows - Midwest, DS2242$987K
inflow1718Other flows - Midwest, DS2141$1.3M
outflow1718Queens County, NY2135$1.6M
outflow1718Schoharie County, NY2031$582K
outflow1718Saratoga County, NY2030$821K
inflow1718Orange County, NY2049$987K
inflow1617Foreign - Other flows, FR———
outflow1617Foreign - Other flows, FR———
outflow1617Albany County, NY273452$12.0M
outflow1617Other flows - South, DS263462$19.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Greene County.

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

2023PurchaseNo CharacteristicAll Appraisals291.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals103.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals394.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals350,000.0
2023BothNo CharacteristicAll Appraisals359,000.0
2023PurchaseNo CharacteristicAll Appraisals359,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals341,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals350,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals215.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals333,000.0
2022BothNo CharacteristicAll Appraisals623.0
2022PurchaseNo CharacteristicAll Appraisals408.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals314,000.0
2021BothNo CharacteristicAll Appraisals969.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals564.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals405.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals318,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals322,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals898.0
2020PurchaseNo CharacteristicAll Appraisals580.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals273,000.0
2020RefinanceNo CharacteristicAll Appraisals264,000.0
2020RefinanceNo CharacteristicAll Appraisals318.0
2020PurchaseNo CharacteristicAll Appraisals275,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals221,000.0
2019PurchaseNo CharacteristicAll Appraisals359.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals234,000.0
2019BothNo CharacteristicAll Appraisals567.0
2019RefinanceNo CharacteristicAll Appraisals208.0
2019PurchaseNo CharacteristicAll Appraisals219,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals203,000.0
2018BothNo CharacteristicAll Appraisals493.0
2018PurchaseNo CharacteristicAll Appraisals342.0
2018RefinanceNo CharacteristicAll Appraisals151.0
2018BothNo CharacteristicAll Appraisals207,000.0
2018PurchaseNo CharacteristicAll Appraisals211,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals219,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals550.0
2017PurchaseNo CharacteristicAll Appraisals378.0
2017PurchaseNo CharacteristicAll Appraisals182,500.0
2017RefinanceNo CharacteristicAll Appraisals172.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals192,500.0
2016PurchaseNo CharacteristicAll Appraisals338.0
2016RefinanceNo CharacteristicAll Appraisals210,000.0
2016PurchaseNo CharacteristicAll Appraisals0.9
2016PurchaseNo CharacteristicAll Appraisals178,500.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals192,500.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals524.0
2016RefinanceNo CharacteristicAll Appraisals186.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals195,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals203,500.0
2015BothNo CharacteristicAll Appraisals416.0
2015RefinanceNo CharacteristicAll Appraisals186.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals230.0
2015BothNo CharacteristicAll Appraisals200,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals191,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0521,24420,3938514.0%
2026-0420,83119,9888434.0%
2026-0322,03821,0789604.4%
2026-0222,29421,2181,0764.8%
2026-0122,35721,4019564.3%
2025-1221,64720,8448033.7%
2025-1121,32620,5228043.8%
2025-0921,56220,7628003.7%
2025-0821,13220,2908424.0%
2025-0721,28820,4658233.9%
2025-0621,75821,0367223.3%
2025-0520,98420,3096753.2%
2025-0420,61019,9216893.3%
2025-0321,37320,5348393.9%
2025-0221,56020,6219394.4%
2025-0121,78520,9388473.9%
2024-1221,21820,5047143.4%
2024-1120,95920,2766833.3%
2024-1021,11420,4536613.1%
2024-0921,27020,6036673.1%
2024-0821,10220,3097933.8%
2024-0721,33720,5038343.9%
2024-0621,74921,0237263.3%
2024-0520,81320,1206933.3%
2024-0420,46719,7027653.7%
2024-0321,63220,7209124.2%
2024-0221,71620,7339834.5%
2024-0121,84820,9498994.1%
2023-1221,30720,5167913.7%
2023-1121,13720,3647733.7%
2023-1021,39520,6667293.4%
2023-0921,50120,7767253.4%
2023-0821,40720,5928153.8%
2023-0721,62920,8837463.4%
2023-0621,92021,2286923.2%
2023-0521,16420,4876773.2%
2023-0420,90520,2826233.0%
2023-0321,38820,6237653.6%
2023-0221,48120,6228594.0%
2023-0121,56220,7438193.8%
2022-1220,86920,2096603.2%
2022-1120,28219,6526303.1%
2022-1020,73520,1565792.8%
2022-0920,95120,3126393.0%
2022-0820,78219,9897933.8%
2022-0720,97320,2277463.6%
2022-0621,52620,8346923.2%
2022-0520,88120,2606213.0%
2022-0420,57119,9076643.2%
2022-0321,26120,4168454.0%
2022-0221,30520,3659404.4%
2022-0121,39220,5118814.1%
2021-1220,76020,1036573.2%
2021-1120,52119,8097123.5%
2021-1020,75820,0007583.7%
2021-0921,24220,3988444.0%
2021-0821,11620,0981,0184.8%
2021-0721,34420,2661,0785.1%
2021-0621,66320,5671,0965.1%
2021-0521,01120,0249874.7%
2021-0421,02019,9011,1195.3%
2021-0321,41220,1071,3056.1%
2021-0221,43820,0191,4196.6%
2021-0121,58020,2451,3356.2%
2020-1221,03519,8381,1975.7%
2020-1120,71619,6281,0885.3%
2020-1021,04119,9161,1255.3%
2020-0921,32519,9451,3806.5%
2020-0821,22819,6581,5707.4%
2020-0721,31319,2882,0259.5%
2020-0621,74719,6292,1189.7%
2020-0521,24818,6612,58712.2%
2020-0420,69417,2753,41916.5%
2020-0321,43420,2361,1985.6%
2020-0222,10221,0101,0924.9%
2020-0122,33921,2541,0854.9%
2019-1221,69420,7099854.5%
2019-1121,06620,2198474.0%
2019-1021,41020,6167943.7%
2019-0921,59020,8277633.5%
2019-0821,37020,4209504.4%
2019-0721,40520,4749314.3%
2019-0621,64620,8358113.7%
2019-0520,83720,0387993.8%
2019-0420,59919,7548454.1%
2019-0321,40120,4319704.5%
2019-0221,68920,6441,0454.8%
2019-0122,06021,0191,0414.7%
2018-1221,56320,6519124.2%
2018-1121,44320,6447993.7%
2018-1021,26520,5217443.5%
2018-0921,76021,0067543.5%
2018-0822,22721,3308974.0%
2018-0722,53721,6229154.1%
2018-0622,34521,4528934.0%
2018-0521,39520,5538423.9%
2018-0421,35020,3559954.7%
2018-0321,54520,4171,1285.2%
2018-0221,89320,6021,2915.9%
2018-0122,14020,8881,2525.7%

BEA Personal Income

2024$3.07B46,903$65K
2023$2.92B47,096$62K
2022$2.75B47,388$58K
2021$2.74B47,898$57K
2020$2.57B47,761$54K
2019$2.32B47,872$48K
2018$2.21B47,991$46K
2017$2.20B47,921$46K
2016$2.10B47,928$44K
2015$2.07B47,997$43K
2014$2.00B48,266$41K
2013$1.93B48,540$40K
2012$1.90B48,750$39K
2011$1.82B48,948$37K
2010$1.74B49,155$35K
2009$1.64B49,372$33K
2008$1.59B49,467$32K
2007$1.49B49,537$30K
2006$1.45B49,513$29K
2005$1.40B49,142$28K
2004$1.38B48,755$28K
2003$1.34B48,416$28K
2002$1.26B48,177$26K
2001$1.25B47,976$26K
2000$1.20B47,986$25K
1999$1.12B47,975$23K
1998$1.07B47,771$22K
1997$1.03B47,346$22K
1996$960.0M47,170$20K
1995$911.6M47,187$19K
1994$883.0M47,000$19K
1993$844.1M46,716$18K
1992$825.5M46,243$18K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-01-10$0$0$0Yes
2023-12-18$7K$7K$0Yes
2023-12-18$119K$84K$34KNo
2023-12-18$10K$10K$0Yes
2022-12-23$97K$77K$20KNo
2022-04-07$6K$6K$0Yes
2021-10-25$314.33$314.33$0Yes
2021-07-13$3K$3K$0No
2020-12-25$3K$3K$0Yes
2020-12-25$17K$17K$0No
2020-12-25$69K$45K$24KNo
2020-12-25$1K$1K$0Yes
2020-12-25$6K$6K$0No
2020-12-25$16K$16K$0Yes
2020-12-24$12K$12K$0No
2020-12-24$0——Yes
2020-04-13$0——Yes
2020-04-13$34K$34K$0No
2019-07-01$0$0$0Yes
2018-08-03$78K$55K$23KYes
2017-06-04$0——No
2017-03-31$0——Yes
2013-07-23$803.98$0$803.98No
2013-06-14$3K$3K$0No
2013-03-12$12K$12K$0Yes
2013-03-08$0——No
2012-10-30$27K$27K$0Yes
2012-10-30$37K$37K$0No
2012-10-30$34K$34K$0No
2012-10-30$82K$76K$6KYes
2012-10-30$92K$51K$40KYes
2012-10-30$22K$22K$0Yes
2012-10-30$6K$6K$0Yes
2012-10-29$50K$50K$0No
2012-10-29$5K$5K$0No
2012-10-29$1K$1K$0No
2012-10-29$5K$5K$0No
2012-10-29$74K$56K$19KNo
2012-10-29$0——No
2012-10-29$1K$1K$0No
2012-10-29$15K$13K$2KYes
2012-10-29$37K$37K$0Yes
2012-10-29$0——No
2012-10-29$367K$201K$166KNo
2012-10-29$0——No
2012-10-29$1K$1K$0No
2012-10-29$4K$4K$0No
2012-10-29$40K$40K$0Yes
2012-10-29$9K$9K$0Yes
2012-10-29$195K$130K$35KNo
2012-10-29$31K$27K$4KNo
2012-10-29$12K$12K$0No
2012-10-29$36K$36K$0Yes
2012-10-29$8K$8K$0Yes
2012-09-18$1K$1K$0No
2012-09-18$21K$21K$0No
2012-09-18$0——No
2011-09-08$0——No
2011-09-05$0——Yes
2011-08-30$159K$159K$0No
2011-08-29$110K$110K$0Yes
2011-08-29$38K$38K$0Yes
2011-08-29$152K$127K$25KNo
2011-08-29$631.82$631.82$0Yes
2011-08-29$13K$13K$0No
2011-08-29$10K$10K$0Yes
2011-08-29$265K$115K$150KNo
2011-08-29$55K$55K$0No
2011-08-29$15K$0$15KNo
2011-08-28$5K$5K$0Yes
2011-08-28$8K$8K$0No
2011-08-28$51K$46K$0Yes
2011-08-28$290K$240K$50KNo
2011-08-28$250K$250K$0Yes
2011-08-28$53K$53K$0Yes
2011-08-28$103K$77K$0Yes
2011-08-28$43K$43K$0No
2011-08-28$17K$10K$7KYes
2011-08-28$5K$5K$0No
2011-08-28$91K$91K$0Yes
2011-08-28$0——No
2011-08-28$55K$55K$0Yes
2011-08-28$82K$82K$0Yes
2011-08-28$34K$34K$0No
2011-08-28$14K$14K$0No
2011-08-28$8K$8K$0No
2011-08-28$212K$183K$30KYes
2011-08-28$0——Yes
2011-08-28$26K$15K$11KYes
2011-08-28$6K$6K$0Yes
2011-08-28$289K$189K$100KNo
2011-08-28$8K$8K$317.37Yes
2011-08-28$37K$23K$14KYes
2011-08-28$180K$180K$0Yes
2011-08-28$20K$12K$8KNo
2011-08-28$31K$31K$0No
2011-08-28$40K$40K$0Yes
2011-08-28$64K$64K$0No
2011-08-28$137K$107K$0No
2011-08-28$247K$247K$0No

ALSO CHECKED

18 more data areas were checked for Greene 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 GREENE COUNTY →Opens the loan explorer already filtered to county FIPS 36039.

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.