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State markets/New York/Jefferson County

COUNTY MORTGAGE MARKET · FIPS 36045

Jefferson County, New York

Who lends in Jefferson 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

$426.4M

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

Originations · 2025

1,984

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

Denial rate · 2025

17.3%

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

Lenders active · 2025

134

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

Concentration (HHI)

626

unconcentrated

Top-5 lender share

47.1%

of originations

Purchase

75.3%

1,164 loans

Refinance

24.7%

382 loans

Origination trend

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

Lenders in Jefferson 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 Jefferson 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 JEFFERSON COUNTY →

TOP TEN LENDERS IN JEFFERSON 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$59.5M$59.5M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
234$52.7M$52.7M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
339$35.8M$35.8M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
140$27.8M$27.8M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
170$25.1M$25.1M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
84$22.1M$22.1M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
158$20.5M$20.5M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
102$18.1M$18.1M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
86$16.6M$16.6M originated in Jefferson County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
53$12.6M$12.6M originated in Jefferson 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 Jefferson County

All 43 ZIP Code Tabulation Areas that touch Jefferson 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.
43 OF 43 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 16 Jefferson County tracts this ZIP area touches sit mostly inside it.37,38221.1%7,569——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.12,77745.2%167——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.9,96311.8%2,631——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Jefferson County tracts this ZIP area touches sit mostly inside it.9,43015.7%1,909——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.6,9379.0%1,924——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.4,34343.3%8——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.4,2048.8%1,265——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Jefferson County tracts this ZIP area touches sit mostly inside it.4,13319.2%1,350——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.3,8967.8%1,208——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.3,85842.6%197——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.3,41114.8%659——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.3,3056.1%942——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Jefferson County tracts this ZIP area touches sit mostly inside it.2,42714.0%679——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.2,38212.0%693——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.2,3517.4%672——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 6 Jefferson County tracts this ZIP area touches sit mostly inside it.2,1177.8%877——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.1,9747.8%681——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Jefferson County tracts this ZIP area touches sit mostly inside it.1,6336.6%549——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Jefferson County tracts this ZIP area touches sit mostly inside it.19848.0%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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 Jefferson 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.

35 of Jefferson County’s 36 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. 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 Jefferson County

All 36 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.

36 OF 36 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle98.6%2,0306.6%OPEN →
Upper127.5%1,9747.8%OPEN →
Upper145.9%1,7737.4%OPEN →
Middle114.9%2,36028.0%OPEN →
Middle80.8%2,4196.6%OPEN →
Middle114.5%1,6336.6%OPEN →
Middle105.1%2,3517.4%OPEN →
Upper124.7%3,8967.8%OPEN →
Upper134.3%2,38212.0%OPEN →
Middle103.8%5,51416.0%OPEN →
Middle90.1%3,41114.8%OPEN →
Middle85.1%3,85842.6%OPEN →
Middle101.0%4,2048.8%OPEN →
Moderate75.1%9,41845.1%OPEN →
Middle101.0%4,34343.3%OPEN →
Middle91.2%3,35945.4%OPEN →
Middle83.6%3,06718.1%OPEN →
Middle106.9%2,65613.4%OPEN →
Middle100.5%3,70715.4%OPEN →
Middle99.4%2,42714.0%OPEN →
Upper128.3%2,89220.6%OPEN →
Moderate65.2%3,09229.1%OPEN →
Moderate68.2%3,10122.7%OPEN →
Moderate77.5%3,14618.5%OPEN →
Moderate72.5%4,05329.9%OPEN →
Middle119.1%5,17518.3%OPEN →
Middle106.8%2,1177.8%OPEN →
Middle98.1%3,5318.4%OPEN →
Upper126.8%3,4069.7%OPEN →
Upper135.9%3,56014.5%OPEN →
Moderate55.8%3,81823.4%OPEN →
Middle88.9%3,91520.2%OPEN →
Upper131.2%4,63016.0%OPEN →
Middle111.7%3,3056.1%OPEN →
—0.0%19848.0%OPEN →
—0.0%00.0%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

115,040

Median household income

$66,301

Median home value

$188,200

Median gross rent

$1,213

per month

Owner-occupied

54.7%

of occupied units

Housing units

61,862

23.0% vacant

Poverty rate

13.7%

Unemployment

5.9%

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 64.0

Social vulnerability

Relatively Low

Community resilience

Relatively 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

79

Declarations recorded

21

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

Everything we hold on Jefferson 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 Jefferson County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Jefferson County →Every reported application and origination in FIPS 36045, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Jefferson 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

362

—

Purchase share

74.0%

268 loans

IRRRL refinances

65

Cash-out refinances

29

2026362—2686529
2025518—4374932
2024411—376926
2023474—434238
2022——5416357
2021836—56022353
2020534—36514722
2019358—2951548
2018391—3203140
2017468—31910841
2016384—23510049
2015438—3108147

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 Jefferson 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

Jefferson 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

226

+18.3% vs 2024

Multifamily · 2025

62

—

Total authorized · 2025

288

+50.8% vs 2024

Permit valuation · 2025

$48.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025288 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 Jefferson County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS1,3142,706$73.3M
inflow2223Other flows - South, DS1,1102,182$58.9M
inflow2223Other flows - Northeast, DS383646$19.3M
outflow2223Other flows - Midwest, DS374795$17.7M
outflow2223Other flows - Northeast, DS358693$20.4M
outflow2223Other flows - West, DS353685$17.0M
inflow2223Other flows - Midwest, DS344669$15.8M
inflow2223Other flows - West, DS325544$13.1M
inflow2223Foreign - Other flows, FR191442$10.8M
outflow2223Onondaga County, NY154237$8.6M
inflow2223Lewis County, NY149248$8.4M
outflow2223Foreign - APO/FPO ZIPs, FR148346$7.9M
outflow2223Lewis County, NY140258$7.0M
inflow2223St. Lawrence County, NY120221$4.8M
inflow2223Onondaga County, NY114190$6.9M
outflow2223St. Lawrence County, NY113224$4.8M
outflow2223Honolulu County, HI103235$5.2M
inflow2223El Paso County, CO86217$4.2M
outflow2223El Paso County, CO83231$5.2M
outflow2223Oswego County, NY80137$3.9M
inflow2223Oswego County, NY79131$3.2M
outflow2223El Paso County, TX78202$3.9M
inflow2223Honolulu County, HI73178$4.0M
inflow2223Muscogee County, GA66169$4.0M
outflow2223Monroe County, NY6594$2.9M
outflow2223Bell County, TX62143$3.3M
outflow2223Cumberland County, NC59135$3.1M
outflow2223Pierce County, WA57148$2.4M
inflow2223Cumberland County, NC56145$2.9M
inflow2223El Paso County, TX52146$2.5M
inflow2223Bexar County, TX5299$2.7M
outflow2223Montgomery County, TN50121$2.9M
outflow2223Muscogee County, GA49136$3.3M
outflow2223Bexar County, TX49109$3.2M
inflow2223Pierce County, WA49119$2.7M
inflow2223Bell County, TX47132$2.7M
inflow2223Queens County, NY4568$2.1M
outflow2223Richland County, SC45123$2.8M
outflow2223Liberty County, GA44120$2.1M
inflow2223Monroe County, NY4057$2.0M
inflow2223Montgomery County, TN3890$2.0M
outflow2223Harris County, TX3870$1.4M
inflow2223Kings County, NY3761$1.3M
outflow2223Foreign - Other flows, FR3462$2.1M
inflow2223Oneida County, NY3456$1.5M
outflow2223Comanche County, OK3480$1.7M
inflow2223Los Angeles County, CA3258$1.3M
inflow2223Comanche County, OK3192$1.8M
inflow2223Pulaski County, MO3073$2.0M
outflow2223Los Angeles County, CA3053$1.1M
outflow2223Pulaski County, MO2980$1.9M
outflow2223Queens County, NY2948$1.7M
inflow2223Liberty County, GA2886$1.3M
outflow2223Oneida County, NY2856$1.5M
outflow2223San Bernardino County, CA2861$1.3M
outflow2223Maricopa County, AZ2856$1.6M
inflow2223Maricopa County, AZ2848$1.3M
inflow2223Harris County, TX2857$787K
inflow2223Fairbanks North Star Borough, AK2767$1.4M
outflow2223Hillsborough County, FL2769$1.2M
outflow2223Christian County, KY2773$1.4M
inflow2223Bronx County, NY2742$627K
outflow2223Kings County, NY2636$652K
outflow2223Erie County, NY2641$1.6M
inflow2223San Diego County, CA2554$1.2M
inflow2223Geary County, KS2574$1.3M
outflow2223Fairfax County, VA2566$1.8M
inflow2223Dale County, AL2568$1.7M
inflow2223Erie County, NY2439$1.1M
inflow2223San Bernardino County, CA2450$1.0M
outflow2223Fairbanks North Star Borough, AK2350$1.0M
outflow2223Geary County, KS2371$1.0M
outflow2223Coryell County, TX2353$1.0M
outflow2223Richmond County, GA2354$1.2M
outflow2223Albany County, NY2232$1.2M
outflow2223Harnett County, NC2287$1.5M
inflow2223Richland County, SC2266$1.3M
inflow2223Anchorage Municipality, AK2256$1.2M
inflow2223Christian County, KY2261$986K
outflow2223Coffee County, AL2149$1.4M
outflow2223Chatham County, GA2144$1.3M
outflow2223Mecklenburg County, NC2024$1.3M
inflow2223Thurston County, WA2049$1.3M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,3882,968$80.5M
inflow2122Other flows - South, DS1,0262,048$53.6M
outflow2122Other flows - Midwest, DS418854$21.0M
outflow2122Other flows - Northeast, DS372687$21.1M
inflow2122Other flows - Northeast, DS356631$19.6M
outflow2122Other flows - West, DS339637$15.9M
inflow2122Other flows - Midwest, DS339674$17.4M
inflow2122Other flows - West, DS288536$13.8M
inflow2122Foreign - APO/FPO ZIPs, FR206484$11.6M
outflow2122Foreign - APO/FPO ZIPs, FR169379$9.7M
inflow2122St. Lawrence County, NY155277$5.8M
outflow2122Onondaga County, NY153239$9.7M
inflow2122Lewis County, NY152270$7.6M
outflow2122Lewis County, NY139241$7.4M
outflow2122St. Lawrence County, NY134244$5.1M
inflow2122Onondaga County, NY123197$9.9M
outflow2122El Paso County, CO109269$5.6M
outflow2122El Paso County, TX103308$5.6M
inflow2122Oswego County, NY96180$5.4M
inflow2122Honolulu County, HI94229$4.9M
outflow2122Honolulu County, HI93247$4.9M
outflow2122Oswego County, NY88148$4.3M
outflow2122Cumberland County, NC81180$4.4M
inflow2122El Paso County, CO77184$4.2M
outflow2122Pierce County, WA75175$3.4M
outflow2122Bell County, TX72195$4.0M
inflow2122Muscogee County, GA71175$4.4M
outflow2122Montgomery County, TN69163$3.5M
inflow2122El Paso County, TX63167$3.1M
outflow2122Monroe County, NY6280$3.3M
inflow2122Bell County, TX60166$3.4M
inflow2122Montgomery County, TN59154$3.5M
inflow2122Monroe County, NY5794$5.0M
outflow2122Liberty County, GA56148$2.7M
outflow2122Bexar County, TX53133$2.9M
outflow2122Muscogee County, GA50112$2.9M
inflow2122Pierce County, WA50142$2.7M
outflow2122Maricopa County, AZ4078$1.4M
inflow2122Pulaski County, MO4098$2.4M
inflow2122Cumberland County, NC40104$2.1M
outflow2122Erie County, NY3980$1.9M
outflow2122Comanche County, OK3893$2.2M
outflow2122Harris County, TX3667$1.2M
inflow2122Queens County, NY3657$1.3M
outflow2122Oneida County, NY3560$1.8M
outflow2122Los Angeles County, CA3558$1.3M
inflow2122Kings County, NY3554$1.6M
inflow2122Oneida County, NY3454$1.9M
inflow2122Fairbanks North Star Borough, AK3165$1.9M
outflow2122San Bernardino County, CA2970$1.6M
inflow2122Dale County, AL2980$2.1M
inflow2122Liberty County, GA2988$1.4M
outflow2122Fairfax County, VA2871$2.5M
inflow2122Comanche County, OK2883$1.5M
inflow2122Coffee County, AL2757$1.6M
inflow2122San Bernardino County, CA2566$1.7M
outflow2122Christian County, KY2563$1.1M
inflow2122Newport News city, VA2558$1.1M
inflow2122Erie County, NY2536$1.6M
inflow2122Bronx County, NY2552$924K
inflow2122Bexar County, TX2459$1.2M
inflow2122Maricopa County, AZ2451$1.5M
inflow2122Leavenworth County, KS2485$2.2M
outflow2122Clark County, NV2444$1.4M
outflow2122Richland County, SC2350$1.3M
inflow2122Chattahoochee County, GA2363$1.5M
inflow2122Christian County, KY2358$1.0M
outflow2122Fairbanks North Star Borough, AK2344$1.2M
outflow2122Polk County, FL2357$1.2M
inflow2122Los Angeles County, CA2237$728K
inflow2122Vernon Parish, LA2262$1.1M
inflow2122Clark County, NV2245$1.1M
outflow2122Brevard County, FL2250$1.3M
outflow2122Leavenworth County, KS2286$1.8M
outflow2122Harnett County, NC2263$1.5M
outflow2122Hardin County, KY2261$1.7M
outflow2122Albany County, NY2234$859K
inflow2122San Diego County, CA2145$1.1M
inflow2122Prince George County, VA2168$1.1M
outflow2122Pulaski County, MO2159$1.1M
outflow2122Thurston County, WA2163$1.5M
inflow2122Richmond County, GA2040$872K
outflow2122Chatham County, GA2039$960K
inflow2122Cochise County, AZ2053$1.2M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS1,3402,908$71.4M
inflow2021Other flows - South, DS1,0042,098$45.5M
outflow2021Other flows - Midwest, DS360804$16.9M
inflow2021Other flows - West, DS360730$16.1M
inflow2021Other flows - Midwest, DS345685$14.9M
inflow2021Other flows - Northeast, DS342643$19.2M
outflow2021Other flows - Northeast, DS317617$16.8M
outflow2021Other flows - West, DS297572$12.2M
inflow2021Foreign - APO/FPO ZIPs, FR201420$9.7M
outflow2021Foreign - APO/FPO ZIPs, FR148347$7.5M
outflow2021Lewis County, NY145266$6.9M
inflow2021St. Lawrence County, NY139241$6.1M
inflow2021Lewis County, NY132248$6.2M
outflow2021St. Lawrence County, NY130208$4.8M
outflow2021Onondaga County, NY123217$7.9M
inflow2021Oswego County, NY118190$4.9M
inflow2021Onondaga County, NY114193$6.7M
outflow2021El Paso County, CO102250$4.8M
inflow2021Honolulu County, HI96234$4.7M
outflow2021Bell County, TX94239$4.7M
outflow2021Honolulu County, HI90237$3.8M
outflow2021El Paso County, TX89265$4.5M
outflow2021Oswego County, NY75140$3.0M
outflow2021Montgomery County, TN74188$3.0M
inflow2021El Paso County, CO72198$3.5M
inflow2021Muscogee County, GA67143$3.4M
outflow2021Bexar County, TX65144$2.7M
inflow2021Bell County, TX62162$3.4M
outflow2021Cumberland County, NC61146$2.9M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Jefferson County.

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

2023PurchaseNo CharacteristicAll Appraisals244.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals82.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals326.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals188,900.0
2023BothNo CharacteristicAll Appraisals212,000.0
2023PurchaseNo CharacteristicAll Appraisals220,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals212,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals203,600.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals158.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals220,000.0
2022BothNo CharacteristicAll Appraisals586.0
2022PurchaseNo CharacteristicAll Appraisals428.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals215,000.0
2021BothNo CharacteristicAll Appraisals872.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals520.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals352.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals197,100.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals182,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals679.0
2020PurchaseNo CharacteristicAll Appraisals365.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals205,000.0
2020RefinanceNo CharacteristicAll Appraisals232,300.0
2020RefinanceNo CharacteristicAll Appraisals314.0
2020PurchaseNo CharacteristicAll Appraisals185,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals186,000.0
2019PurchaseNo CharacteristicAll Appraisals327.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals210,000.0
2019BothNo CharacteristicAll Appraisals513.0
2019RefinanceNo CharacteristicAll Appraisals186.0
2019PurchaseNo CharacteristicAll Appraisals179,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals187,000.0
2018BothNo CharacteristicAll Appraisals445.0
2018PurchaseNo CharacteristicAll Appraisals293.0
2018RefinanceNo CharacteristicAll Appraisals152.0
2018BothNo CharacteristicAll Appraisals173,000.0
2018PurchaseNo CharacteristicAll Appraisals161,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals0.9
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals180,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals486.0
2017PurchaseNo CharacteristicAll Appraisals284.0
2017PurchaseNo CharacteristicAll Appraisals156,000.0
2017RefinanceNo CharacteristicAll Appraisals202.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals164,600.0
2016PurchaseNo CharacteristicAll Appraisals291.0
2016RefinanceNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals175,500.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals516.0
2016RefinanceNo CharacteristicAll Appraisals225.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals169,500.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals205,000.0
2015BothNo CharacteristicAll Appraisals438.0
2015RefinanceNo CharacteristicAll Appraisals224.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals214.0
2015BothNo CharacteristicAll Appraisals185,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals167,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0545,45443,4462,0084.4%
2026-0444,83742,6592,1784.9%
2026-0345,50342,9312,5725.7%
2026-0245,54842,6482,9006.4%
2026-0145,61042,9742,6365.8%
2025-1245,52443,3682,1564.7%
2025-1145,89843,8732,0254.4%
2025-0945,61243,7901,8224.0%
2025-0846,40844,4241,9844.3%
2025-0746,92644,9341,9924.2%
2025-0646,09144,3931,6983.7%
2025-0545,22943,5881,6413.6%
2025-0444,10742,3041,8034.1%
2025-0343,78141,5152,2665.2%
2025-0243,75641,1732,5835.9%
2025-0144,07941,5852,4945.7%
2024-1243,65341,6741,9794.5%
2024-1144,03042,2701,7604.0%
2024-1044,27042,6881,5823.6%
2024-0945,19243,6861,5063.3%
2024-0846,11144,2251,8864.1%
2024-0746,88444,9031,9814.2%
2024-0646,40444,6981,7063.7%
2024-0545,24043,5341,7063.8%
2024-0444,41242,4891,9234.3%
2024-0344,33841,9292,4095.4%
2024-0244,19341,5112,6826.1%
2024-0144,21041,6252,5855.8%
2023-1244,12941,9392,1905.0%
2023-1145,08143,1681,9134.2%
2023-1045,26343,5741,6893.7%
2023-0945,80444,1741,6303.6%
2023-0846,76844,8661,9024.1%
2023-0747,33045,5301,8003.8%
2023-0646,75645,1241,6323.5%
2023-0545,59044,0041,5863.5%
2023-0444,58943,0531,5363.4%
2023-0344,55542,4812,0744.7%
2023-0244,31041,9932,3175.2%
2023-0144,27741,9862,2915.2%
2022-1243,94242,0371,9054.3%
2022-1144,14942,4501,6993.8%
2022-1044,64043,2271,4133.2%
2022-0945,32443,8191,5053.3%
2022-0846,31544,4051,9104.1%
2022-0746,66044,8341,8263.9%
2022-0646,54444,8901,6543.6%
2022-0545,14043,6181,5223.4%
2022-0444,02442,2791,7454.0%
2022-0344,75542,6132,1424.8%
2022-0244,48842,0982,3905.4%
2022-0144,41742,2102,2075.0%
2021-1243,89742,2641,6333.7%
2021-1144,33342,6951,6383.7%
2021-1044,33842,6781,6603.7%
2021-0945,26443,4801,7843.9%
2021-0846,04343,8252,2184.8%
2021-0746,51744,1752,3425.0%
2021-0646,52544,1832,3425.0%
2021-0544,78542,6602,1254.7%
2021-0443,77241,4032,3695.4%
2021-0344,09841,1182,9806.8%
2021-0243,85840,5983,2607.4%
2021-0143,96140,9872,9746.8%
2020-1244,08841,4782,6105.9%
2020-1144,27042,0162,2545.1%
2020-1044,74342,5342,2094.9%
2020-0945,78443,1742,6105.7%
2020-0845,45742,4273,0306.7%
2020-0745,98741,9624,0258.8%
2020-0646,04841,7614,2879.3%
2020-0544,43038,6555,77513.0%
2020-0443,89235,7558,13718.5%
2020-0344,96341,2833,6808.2%
2020-0244,99341,7413,2527.2%
2020-0145,19041,8673,3237.4%
2019-1245,20042,2462,9546.5%
2019-1145,36242,8182,5445.6%
2019-1045,75043,6292,1214.6%
2019-0945,98443,9652,0194.4%
2019-0846,93544,5892,3465.0%
2019-0747,44845,1782,2704.8%
2019-0646,64244,6392,0034.3%
2019-0545,58143,6251,9564.3%
2019-0444,82742,5462,2815.1%
2019-0345,11942,3182,8016.2%
2019-0245,25242,2483,0046.6%
2019-0145,45942,4323,0276.7%
2018-1245,63843,0042,6345.8%
2018-1145,57743,3822,1954.8%
2018-1045,74043,8561,8844.1%
2018-0946,42444,5801,8444.0%
2018-0847,52245,3862,1364.5%
2018-0748,13645,9032,2334.6%
2018-0647,66545,4852,1804.6%
2018-0546,19944,0802,1194.6%
2018-0445,41142,7402,6715.9%
2018-0345,61642,2923,3247.3%
2018-0245,47441,8023,6728.1%
2018-0145,64142,0403,6017.9%

BEA Personal Income

2024$6.58B113,140$58K
2023$6.36B113,575$56K
2022$6.15B115,487$53K
2021$6.20B116,925$53K
2020$5.85B116,071$50K
2019$5.37B117,602$46K
2018$5.18B118,919$44K
2017$5.13B119,335$43K
2016$4.96B118,321$42K
2015$5.02B120,772$42K
2014$5.03B121,548$41K
2013$4.99B121,238$41K
2012$5.16B122,150$42K
2011$5.12B118,816$43K
2010$4.90B116,810$42K
2009$4.61B115,023$40K
2008$4.40B115,033$38K
2007$4.12B115,059$36K
2006$3.87B113,650$34K
2005$3.56B113,486$31K
2004$3.26B109,924$30K
2003$3.06B110,246$28K
2002$2.87B111,112$26K
2001$2.71B111,422$24K
2000$2.71B111,790$24K
1999$2.56B112,081$23K
1998$2.45B112,546$22K
1997$2.33B113,055$21K
1996$2.26B114,585$20K
1995$2.20B115,361$19K
1994$2.12B116,932$18K
1993$2.06B114,874$18K
1992$2.06B114,463$18K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-11$0——Yes
2023-09-07$0$0$0No
2022-07-28$0——No
2021-12-11$44K$42K$3KNo
2020-10-17$0——No
2020-10-02$0——No
2020-04-13$61K$61K$0No
2020-03-20$0——No
2019-11-01$3K$3K$0No
2019-11-01$4K$4K$0No
2019-11-01$6K$6K$0Yes
2019-11-01$0——No
2019-11-01$0——No
2019-11-01$1K$1K$0No
2019-09-17$0——Yes
2019-09-06$0——Yes
2019-08-12$3K$3K$0No
2019-08-09$600.57$600.57$0No
2019-07-23$9K$9K$0No
2019-06-24$12K$12K$0No
2019-06-21$10K$10K$0No
2019-06-21$0$0$0Yes
2019-06-16$16K$16K$0No
2019-06-12$39K$38K$1KYes
2019-06-12$4K$4K$0Yes
2019-06-03$24K$24K$0Yes
2019-06-03$41K$41K$0Yes
2019-06-03$63K$63K$0No
2019-06-03$14K$14K$0No
2019-06-01$21K$18K$3KNo
2019-05-29$7K$7K$0No
2019-05-29$21K$21K$0Yes
2019-05-28$45K$44K$970.63Yes
2019-05-27$0——No
2019-05-21$4K$4K$0No
2019-05-20$9K$9K$0No
2019-05-15$6K$6K$0Yes
2019-05-05$5K$5K$0No
2019-05-04$243K$208K$35KNo
2019-05-02$837.04$837.04$0No
2019-05-02$72K$72K$0No
2019-05-01$19K$19K$0No
2018-10-27$0——No
2018-05-05$32K$32K$0No
2018-05-04$17K$17K$0Yes
2018-01-12$15K$14K$789.77Yes
2017-12-05$0——Yes
2017-11-04$0——No
2017-10-30$32K$21K$11KYes
2017-10-30$4K$4K$0No
2017-10-29$6K$6K$0Yes
2017-10-09$0——Yes
2017-10-09$6K$6K$0No
2017-07-27$0——No
2017-07-27$0——No
2017-06-27$6K$6K$0No
2017-06-13$2K$2K$0No
2017-06-09$0——Yes
2017-06-06$10K$10K$0No
2017-06-03$0——No
2017-06-01$233K$233K$0No
2017-06-01$0——No
2017-06-01$2K$2K$0No
2017-05-19$0——Yes
2017-05-18$58K$58K$0Yes
2017-05-16$0——No
2017-05-15$0——No
2017-05-15$0——No
2017-05-15$21K$21K$0Yes
2017-05-15$35K$35K$0No
2017-05-09$0——No
2017-05-07$1K$1K$0No
2017-05-07$29K$29K$0No
2017-05-06$81K$81K$0No
2017-05-03$6K$6K$0Yes
2017-05-02$0——No
2017-05-02$0——No
2017-05-02$5K$5K$0No
2017-05-02$16K$16K$0No
2017-05-02$5K$5K$0Yes
2017-05-02$0——No
2017-05-01$0——No
2017-05-01$494.85$494.85$0Yes
2017-05-01$47K$47K$0No
2017-04-30$44K$44K$0No
2017-04-29$13K$13K$0No
2017-04-28$0——Yes
2017-04-26$13K$13K$0Yes
2017-04-20$17K$17K$0Yes
2017-04-12$61K$61K$0No
2017-04-01$0$0$0Yes
2016-08-16$0——Yes
2015-03-16$0——Yes
2014-04-18$4K$4K$0Yes
2014-04-16$8K$8K$0Yes
2014-04-16$48K$38K$10KYes
2014-04-16$0——Yes
2014-04-16$6K$6K$0Yes
2014-04-15$0——Yes
2014-04-07$10K$10K$0Yes

ALSO CHECKED

18 more data areas were checked for Jefferson 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 JEFFERSON COUNTY →Opens the loan explorer already filtered to county FIPS 36045.

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.