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State markets/New York/Otsego County

COUNTY MORTGAGE MARKET · FIPS 36077

Otsego County, New York

Who lends in Otsego 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

$141.4M

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

Originations · 2025

818

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

Denial rate · 2025

19.3%

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

Lenders active · 2025

128

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

Concentration (HHI)

581

unconcentrated

Top-5 lender share

49.7%

of originations

Purchase

68.6%

395 loans

Refinance

31.4%

181 loans

Origination trend

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

Lenders in Otsego 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 Otsego 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 OTSEGO COUNTY →

TOP TEN LENDERS IN OTSEGO 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.

110$16.8M$16.8M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
150$16.6M$16.6M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
74$15.1M$15.1M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
89$11.8M$11.8M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
43$10.0M$10.0M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
23$4.5M$4.5M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
15$4.0M$4.0M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
13$3.5M$3.5M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
14$3.1M$3.1M originated in Otsego County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
15$3.0M$3.0M originated in Otsego 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 Otsego County

All 46 ZIP Code Tabulation Areas that touch Otsego 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.
46 OF 46 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 9 Otsego County tracts this ZIP area touches sit mostly inside it.20,97118.2%4,646——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Otsego County tracts this ZIP area touches sit mostly inside it.5,52311.0%1,784——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.4,4436.8%1,357——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.4,1167.5%1,499——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.3,4416.4%1,252——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otsego County tracts this ZIP area touches sit mostly inside it.3,4008.2%1,249——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Otsego County tracts this ZIP area touches sit mostly inside it.2,75611.2%818——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.2,31111.5%726——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otsego County tracts this ZIP area touches sit mostly inside it.2,11210.3%637——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Otsego County tracts this ZIP area touches sit mostly inside it.2,0657.5%616——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otsego County tracts this ZIP area touches sit mostly inside it.1,95210.4%733——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otsego County tracts this ZIP area touches sit mostly inside it.1,9075.9%574——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.1,7675.8%612——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Otsego County tracts this ZIP area touches sit mostly inside it.1,7607.4%654——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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 Otsego 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.

22 of Otsego County’s 22 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 Otsego County

All 22 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.

22 OF 22 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle110.4%2,5756.8%OPEN →
Middle111.7%1,8829.7%OPEN →
Upper126.2%1,95210.4%OPEN →
Upper145.3%3,64111.7%OPEN →
Moderate77.6%2,0657.5%OPEN →
Middle104.8%1,7675.8%OPEN →
Middle87.0%1,9075.9%OPEN →
Middle111.0%3,4416.4%OPEN →
Middle93.9%2,8279.7%OPEN →
Middle109.5%1,8686.8%OPEN →
Middle88.9%1,7607.4%OPEN →
Middle106.4%2,11210.3%OPEN →
Upper129.6%5,06515.9%OPEN →
Middle99.1%2,26621.8%OPEN →
Middle104.1%3,58419.6%OPEN →
Middle87.9%2,51420.4%OPEN →
Middle97.8%2,75611.2%OPEN →
Middle92.2%2,31111.5%OPEN →
Middle111.3%3,4008.2%OPEN →
Middle115.0%1,8118.5%OPEN →
Middle80.8%2,3056.6%OPEN →
Upper146.7%4,71521.9%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

60,108

Median household income

$68,885

Median home value

$179,100

Median gross rent

$987

per month

Owner-occupied

73.9%

of occupied units

Housing units

30,057

22.8% vacant

Poverty rate

12.5%

Unemployment

6.4%

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 75.8

Social vulnerability

Relatively Moderate

Community resilience

Very 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

86

Declarations recorded

27

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

Everything we hold on Otsego 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 Otsego County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Otsego County →Every reported application and origination in FIPS 36077, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Otsego 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

25

—

Purchase share

56.0%

14 loans

IRRRL refinances

7

Cash-out refinances

4

202625—1474
202520—1334
202431—2407
202316—1105
2022——1969
202157—27219
202047—21215
201940—28210
201825—1357
201757—35715
201624—1554
201543—24712

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 Otsego 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

Otsego 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

125

+1.6% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

125

+1.6% vs 2024

Permit valuation · 2025

$31.4M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025125 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 Otsego County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS297467$23.6M
inflow2223Delaware County, NY197334$8.8M
inflow2223Other flows - South, DS178279$9.3M
outflow2223Delaware County, NY159279$7.6M
inflow2223Other flows - Northeast, DS138222$11.2M
outflow2223Other flows - Northeast, DS135212$10.3M
outflow2223Chenango County, NY123229$5.8M
inflow2223Chenango County, NY108201$4.8M
inflow2223Other flows - West, DS79149$6.0M
outflow2223Other flows - West, DS79109$5.8M
outflow2223Herkimer County, NY72123$3.5M
inflow2223Herkimer County, NY61106$2.7M
inflow2223Schoharie County, NY5398$2.2M
inflow2223Other flows - Midwest, DS4476$5.5M
outflow2223Albany County, NY4347$3.7M
inflow2223Suffolk County, NY4362$2.9M
inflow2223Oneida County, NY4373$2.7M
outflow2223Other flows - Midwest, DS4270$3.0M
outflow2223Schoharie County, NY4167$1.9M
outflow2223Oneida County, NY4066$2.3M
inflow2223Albany County, NY3138$1.7M
outflow2223Onondaga County, NY2935$1.4M
outflow2223Broome County, NY2734$1.2M
inflow2223Nassau County, NY2433$2.0M
outflow2223Saratoga County, NY2332$1.8M
outflow2223Montgomery County, NY2336$1.6M
inflow2223Madison County, NY2257$1.1M
inflow2223Kings County, NY2235$1.2M
outflow2223New York County, NY2225$1.5M
outflow2223Madison County, NY2232$988K
outflow2223Queens County, NY2026$1.3M
inflow2223Broome County, NY2027$795K
inflow2223Montgomery County, NY2040$1.2M
inflow2223Queens County, NY2034$1.7M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS314541$18.4M
inflow2122Delaware County, NY203340$9.2M
outflow2122Delaware County, NY191326$8.0M
inflow2122Other flows - South, DS151250$9.2M
outflow2122Other flows - Northeast, DS148246$12.3M
inflow2122Other flows - Northeast, DS140231$12.6M
inflow2122Chenango County, NY122210$4.9M
outflow2122Chenango County, NY119199$5.4M
outflow2122Other flows - West, DS86129$8.1M
inflow2122Other flows - West, DS83158$8.0M
inflow2122Herkimer County, NY67140$3.4M
inflow2122Other flows - Midwest, DS6092$5.3M
outflow2122Herkimer County, NY59116$2.5M
outflow2122Oneida County, NY5782$2.7M
inflow2122Schoharie County, NY5182$2.6M
outflow2122Other flows - Midwest, DS5082$3.6M
outflow2122Albany County, NY4466$3.8M
inflow2122Suffolk County, NY4357$2.0M
outflow2122Schoharie County, NY3561$1.2M
outflow2122Broome County, NY3550$1.8M
outflow2122Madison County, NY3259$1.2M
inflow2122Queens County, NY3156$2.9M
inflow2122Kings County, NY2939$3.6M
inflow2122Broome County, NY2937$1.2M
outflow2122Saratoga County, NY2944$4.0M
inflow2122New York County, NY2840$3.5M
inflow2122Nassau County, NY2851$3.1M
outflow2122Onondaga County, NY2640$1.6M
inflow2122Oneida County, NY2651$1.4M
inflow2122Albany County, NY2639$1.7M
inflow2122Westchester County, NY2440$1.7M
inflow2122Onondaga County, NY2332$1.2M
outflow2122Kings County, NY2127$1.2M
outflow2122Suffolk County, NY2026$634K
inflow2122Montgomery County, NY2035$830K
outflow2122Rensselaer County, NY2030$706K
outflow2122Monroe County, NY2035$1.7M
outflow2021Other flows - South, DS304514$18.1M
inflow2021Delaware County, NY203361$7.7M
inflow2021Other flows - South, DS193320$12.3M
outflow2021Delaware County, NY177305$6.8M
inflow2021Other flows - Northeast, DS151254$14.9M
outflow2021Other flows - Northeast, DS136205$8.4M
inflow2021Chenango County, NY131233$5.2M
outflow2021Chenango County, NY111191$4.4M
inflow2021Other flows - West, DS84149$6.3M
outflow2021Other flows - West, DS6896$4.4M
outflow2021Other flows - Midwest, DS6186$2.7M
inflow2021Herkimer County, NY59115$2.4M
outflow2021Herkimer County, NY54106$1.9M
outflow2021Oneida County, NY5279$3.3M
inflow2021Suffolk County, NY5187$3.3M
inflow2021Schoharie County, NY50102$1.6M
outflow2021Broome County, NY4771$2.3M
inflow2021Oneida County, NY4784$1.6M
outflow2021Schoharie County, NY4277$1.4M
inflow2021Kings County, NY3451$2.5M
outflow2021Madison County, NY3460$1.3M
outflow2021Albany County, NY3143$1.7M
inflow2021Other flows - Midwest, DS3039$2.5M
inflow2021New York County, NY2849$4.5M
inflow2021Queens County, NY2746$1.5M
outflow2021Onondaga County, NY2639$1.2M
inflow2021Broome County, NY2633$903K
inflow2021Onondaga County, NY2643$1.9M
inflow2021Albany County, NY2540$2.5M
inflow2021Montgomery County, NY2230$883K
outflow2021Schenectady County, NY2028$810K
inflow2021Nassau County, NY2029$1.3M
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS278505$16.7M
inflow1920Delaware County, NY212355$9.3M
outflow1920Delaware County, NY183370$7.3M
inflow1920Other flows - South, DS167300$10.7M
outflow1920Chenango County, NY131255$5.7M
inflow1920Other flows - Northeast, DS129194$8.4M
inflow1920Chenango County, NY128229$5.8M
outflow1920Other flows - Northeast, DS112160$7.0M
outflow1920Other flows - West, DS92126$5.2M
inflow1920Other flows - West, DS88165$14.6M
inflow1920Herkimer County, NY61126$2.5M
outflow1920Herkimer County, NY60103$2.6M
outflow1920Oneida County, NY4893$2.5M
inflow1920Suffolk County, NY4879$3.5M
outflow1920Schoharie County, NY4680$1.7M
inflow1920Other flows - Midwest, DS4398$2.6M
inflow1920Kings County, NY4250$1.8M
outflow1920Broome County, NY4282$2.1M
inflow1920Oneida County, NY4175$2.1M
outflow1920Other flows - Midwest, DS3970$2.3M
outflow1920Albany County, NY3461$2.0M
inflow1920Schoharie County, NY3358$1.6M
inflow1920Broome County, NY3256$1.2M
inflow1920New York County, NY3157$7.3M
inflow1920Albany County, NY2849$1.8M
outflow1920Onondaga County, NY2840$1.4M
outflow1920Montgomery County, NY2345$903K
outflow1920Monroe County, NY2026$896K
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS267458$16.0M
inflow1819Delaware County, NY206381$7.5M
outflow1819Delaware County, NY178331$6.6M
inflow1819Other flows - South, DS158261$8.4M
inflow1819Chenango County, NY144247$5.7M
outflow1819Other flows - Northeast, DS140229$10.5M
inflow1819Other flows - Northeast, DS118193$8.3M
outflow1819Chenango County, NY116227$4.6M
outflow1819Other flows - West, DS108166$6.4M
inflow1819Herkimer County, NY70153$2.7M
outflow1819Other flows - Midwest, DS60121$3.7M
outflow1819Herkimer County, NY57104$2.2M
inflow1819Other flows - West, DS5284$3.2M
outflow1819Schoharie County, NY4881$1.6M
outflow1819Oneida County, NY4681$1.9M
outflow1819Broome County, NY4361$1.3M
inflow1819Oneida County, NY4270$1.6M
inflow1819Schoharie County, NY4180$1.6M
outflow1819Albany County, NY3754$1.9M
inflow1819Suffolk County, NY3053$1.6M
inflow1819Other flows - Midwest, DS2846$1.5M
inflow1819Madison County, NY2760$985K
outflow1819Suffolk County, NY2538$1.3M
inflow1819Montgomery County, NY2356$738K
inflow1819Broome County, NY2235$732K
inflow1819Albany County, NY2131$1.1M
outflow1819Kings County, NY2024$592K
inflow1718Foreign - Other flows, FR———
outflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS260460$15.9M
outflow1718Delaware County, NY205370$7.3M
inflow1718Delaware County, NY202343$7.9M
inflow1718Other flows - South, DS184358$10.1M
outflow1718Other flows - Northeast, DS130203$8.5M
inflow1718Other flows - Northeast, DS129218$10.0M
outflow1718Chenango County, NY122210$4.5M
inflow1718Chenango County, NY122220$4.1M
outflow1718Other flows - West, DS90148$5.9M
inflow1718Other flows - West, DS82133$6.0M
outflow1718Herkimer County, NY70145$2.4M
inflow1718Herkimer County, NY69117$2.6M
outflow1718Oneida County, NY51100$2.0M
inflow1718Schoharie County, NY5089$2.3M
inflow1718Suffolk County, NY4479$2.1M
inflow1718Other flows - Midwest, DS4372$2.8M
inflow1718Oneida County, NY4275$2.1M
outflow1718Broome County, NY4160$1.6M
outflow1718Other flows - Midwest, DS3872$1.7M
outflow1718Schoharie County, NY3766$1.6M
inflow1718Broome County, NY3758$1.3M
inflow1718Albany County, NY3346$2.2M
outflow1718Madison County, NY3159$1.4M
outflow1718Albany County, NY2742$1.8M
outflow1718Onondaga County, NY2740$1.3M
outflow1718Suffolk County, NY2639$1.2M
outflow1718Monroe County, NY2339$1.1M
outflow1718Montgomery County, NY2240$692K
inflow1718Madison County, NY2140$856K
inflow1718Montgomery County, NY2037$693K
outflow1718Saratoga County, NY2037$1.7M
inflow1718Kings County, NY2029$644K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Otsego County.

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

2023PurchaseNo CharacteristicAll Appraisals250.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals64.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals314.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals183,000.0
2023BothNo CharacteristicAll Appraisals212,000.0
2023PurchaseNo CharacteristicAll Appraisals220,500.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals212,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals220,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals156.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals200,000.0
2022BothNo CharacteristicAll Appraisals463.0
2022PurchaseNo CharacteristicAll Appraisals307.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals215,000.0
2021BothNo CharacteristicAll Appraisals738.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals398.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals340.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals210,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals206,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals636.0
2020PurchaseNo CharacteristicAll Appraisals342.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals200,500.0
2020RefinanceNo CharacteristicAll Appraisals216,500.0
2020RefinanceNo CharacteristicAll Appraisals294.0
2020PurchaseNo CharacteristicAll Appraisals185,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals178,000.0
2019PurchaseNo CharacteristicAll Appraisals266.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals186,500.0
2019BothNo CharacteristicAll Appraisals440.0
2019RefinanceNo CharacteristicAll Appraisals174.0
2019PurchaseNo CharacteristicAll Appraisals172,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals166,900.0
2018BothNo CharacteristicAll Appraisals373.0
2018PurchaseNo CharacteristicAll Appraisals233.0
2018RefinanceNo CharacteristicAll Appraisals140.0
2018BothNo CharacteristicAll Appraisals160,500.0
2018PurchaseNo CharacteristicAll Appraisals156,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals155,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals355.0
2017PurchaseNo CharacteristicAll Appraisals210.0
2017PurchaseNo CharacteristicAll Appraisals160,000.0
2017RefinanceNo CharacteristicAll Appraisals145.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals159,000.0
2016PurchaseNo CharacteristicAll Appraisals232.0
2016RefinanceNo CharacteristicAll Appraisals188,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals166,500.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals170,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals397.0
2016RefinanceNo CharacteristicAll Appraisals165.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals160,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals173,000.0
2015BothNo CharacteristicAll Appraisals404.0
2015RefinanceNo CharacteristicAll Appraisals179.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals225.0
2015BothNo CharacteristicAll Appraisals165,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals157,300.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0527,16526,0631,1024.1%
2026-0426,48225,3461,1364.3%
2026-0326,66125,3481,3134.9%
2026-0226,82425,3021,5225.7%
2026-0126,56725,1031,4645.5%
2025-1227,19225,9571,2354.5%
2025-1127,73926,6201,1194.0%
2025-0927,82226,6831,1394.1%
2025-0826,71425,5231,1914.5%
2025-0727,07825,8821,1964.4%
2025-0627,47626,4521,0243.7%
2025-0527,14526,2558903.3%
2025-0426,61225,6619513.6%
2025-0326,14824,9391,2094.6%
2025-0226,23524,8831,3525.2%
2025-0126,12924,8071,3225.1%
2024-1226,21925,1641,0554.0%
2024-1126,44925,4849653.6%
2024-1027,01426,1398753.2%
2024-0927,00226,1378653.2%
2024-0826,55025,4141,1364.3%
2024-0726,93325,7581,1754.4%
2024-0627,45526,3621,0934.0%
2024-0526,96526,0149513.5%
2024-0426,03825,0749643.7%
2024-0326,01924,8051,2144.7%
2024-0226,21024,8101,4005.3%
2024-0125,85724,4451,4125.5%
2023-1226,09424,8781,2164.7%
2023-1126,23125,2399923.8%
2023-1026,51625,5209963.8%
2023-0926,47925,5719083.4%
2023-0825,95324,8751,0784.2%
2023-0726,49725,4821,0153.8%
2023-0626,74125,7889533.6%
2023-0526,22325,3948293.2%
2023-0425,92025,1128083.1%
2023-0326,14525,0491,0964.2%
2023-0226,35225,0771,2754.8%
2023-0125,67924,3401,3395.2%
2022-1225,86024,8551,0053.9%
2022-1126,14725,2808673.3%
2022-1026,34725,5667813.0%
2022-0926,65725,8288293.1%
2022-0826,34625,3191,0273.9%
2022-0726,59425,5371,0574.0%
2022-0627,12826,1989303.4%
2022-0527,12226,3337892.9%
2022-0426,41725,5868313.1%
2022-0326,83625,7281,1084.1%
2022-0226,85625,5751,2814.8%
2022-0126,25425,0411,2134.6%
2021-1226,31425,4658493.2%
2021-1126,77125,9118603.2%
2021-1026,88625,9499373.5%
2021-0927,25826,2749843.6%
2021-0826,54725,3091,2384.7%
2021-0726,66925,3271,3425.0%
2021-0626,90725,5961,3114.9%
2021-0526,66925,5471,1224.2%
2021-0426,48925,2061,2834.8%
2021-0326,32124,7111,6106.1%
2021-0226,35824,6151,7436.6%
2021-0126,05324,3541,6996.5%
2020-1225,81424,3471,4675.7%
2020-1126,31725,0321,2854.9%
2020-1026,48825,1871,3014.9%
2020-0926,61525,1481,4675.5%
2020-0825,95124,3001,6516.4%
2020-0726,04623,8812,1658.3%
2020-0626,63424,3982,2368.4%
2020-0526,17123,5392,63210.1%
2020-0426,32622,6993,62713.8%
2020-0327,66225,9751,6876.1%
2020-0228,15726,6561,5015.3%
2020-0127,97126,4431,5285.5%
2019-1228,00526,7431,2624.5%
2019-1128,27227,2071,0653.8%
2019-1028,50727,4861,0213.6%
2019-0928,77827,8009783.4%
2019-0828,31727,2031,1143.9%
2019-0728,56927,3391,2304.3%
2019-0628,66527,6071,0583.7%
2019-0527,82426,8939313.3%
2019-0428,00226,9831,0193.6%
2019-0327,94026,6551,2854.6%
2019-0228,08026,6541,4265.1%
2019-0128,14126,6351,5065.4%
2018-1227,70926,5621,1474.1%
2018-1128,33827,3769623.4%
2018-1028,22927,2939363.3%
2018-0928,28927,3569333.3%
2018-0828,69927,6041,0953.8%
2018-0729,28528,0461,2394.2%
2018-0628,82127,5761,2454.3%
2018-0527,82026,7861,0343.7%
2018-0428,01626,7431,2734.5%
2018-0328,07226,5831,4895.3%
2018-0228,31326,6031,7106.0%
2018-0127,89626,1931,7036.1%

BEA Personal Income

2024$3.41B60,524$56K
2023$3.20B60,519$53K
2022$3.05B60,408$51K
2021$3.10B60,722$51K
2020$2.95B58,366$51K
2019$2.71B59,010$46K
2018$2.59B59,527$43K
2017$2.52B59,690$42K
2016$2.39B59,907$40K
2015$2.36B60,333$39K
2014$2.28B60,818$37K
2013$2.23B61,519$36K
2012$2.19B61,681$36K
2011$2.13B61,933$34K
2010$2.07B62,251$33K
2009$1.99B62,280$32K
2008$1.96B62,561$31K
2007$1.82B62,914$29K
2006$1.78B63,032$28K
2005$1.70B63,069$27K
2004$1.65B62,934$26K
2003$1.55B62,567$25K
2002$1.46B62,093$24K
2001$1.44B61,924$23K
2000$1.40B61,860$23K
1999$1.36B61,629$22K
1998$1.30B61,379$21K
1997$1.25B61,371$20K
1996$1.20B61,584$20K
1995$1.15B61,671$19K
1994$1.11B61,916$18K
1993$1.08B61,537$18K
1992$1.07B61,195$17K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2023-12-18$61K$57K$4KYes
2022-04-14$0$0$0Yes
2022-04-08$0$0$0Yes
2022-04-07$0——Yes
2021-07-18$4K$4K$0Yes
2021-07-17$5K$5K$0Yes
2021-06-30$0$0$0Yes
2018-11-11$0——Yes
2017-05-20$0——No
2017-05-20$0——No
2017-05-20$0——No
2017-04-05$45K$45K$0Yes
2017-04-05$7K$7K$0No
2016-12-18$0——Yes
2016-01-13$0——Yes
2014-07-26$0——No
2014-02-28$0——No
2013-07-23$35K$35K$0No
2013-07-22$44K$44K$0No
2013-07-02$4K$4K$0Yes
2013-06-28$2K$2K$0No
2013-06-28$6K$6K$0Yes
2013-06-26$0——No
2013-06-10$2K$2K$0No
2012-05-16$0——Yes
2011-09-21$5K$5K$0No
2011-09-14$35K$35K$0No
2011-09-10$164.14$164.14$0Yes
2011-09-10$0——Yes
2011-09-09$31K$31K$0Yes
2011-09-09$0——Yes
2011-09-09$11K$11K$0No
2011-09-09$0——No
2011-09-09$4K$4K$0Yes
2011-09-09$51K$51K$0Yes
2011-09-08$5K$5K$0Yes
2011-09-08$0——No
2011-09-08$581.48$581.48$0No
2011-09-08$5K$0$5KYes
2011-09-08$4K$4K$0Yes
2011-09-08$37K$37K$0Yes
2011-09-08$0$15K$0No
2011-09-08$3K$3K$0Yes
2011-09-08$0——Yes
2011-09-08$0——Yes
2011-09-08$61K$45K$16KYes
2011-09-08$36K$35K$177.98Yes
2011-09-08$39K$24K$15KNo
2011-09-08$13K$13K$0Yes
2011-09-08$0——No
2011-09-08$4K$4K$0No
2011-09-08$3K$3K$0No
2011-09-08$7K$7K$0No
2011-09-08$6K$6K$0Yes
2011-09-08$0——Yes
2011-09-08$9K$9K$0Yes
2011-09-08$71K$71K$0Yes
2011-09-08$9K$9K$0Yes
2011-09-08$4K$4K$0Yes
2011-09-08$56K$56K$0Yes
2011-09-08$12K$12K$0No
2011-09-08$6K$6K$0Yes
2011-09-08$412.59$412.59$0Yes
2011-09-08$0——Yes
2011-09-08$10K$10K$0Yes
2011-09-08$38K$38K$0Yes
2011-09-08$7K$7K$0No
2011-09-08$1K$1K$0No
2011-09-08$5K$5K$0No
2011-09-08$75K$75K$97Yes
2011-09-08$8K$5K$3KYes
2011-09-08$0——No
2011-09-08$0——No
2011-09-08$5K$5K$0Yes
2011-09-08$68K$68K$0Yes
2011-09-08$9K$9K$0No
2011-09-08$5K$5K$0No
2011-09-08$6K$6K$0Yes
2011-09-08$3K$1K$1KNo
2011-09-08$28K$28K$0No
2011-09-08$38K$38K$0Yes
2011-09-08$35K$33K$3KYes
2011-09-08$0——Yes
2011-09-08$7K$7K$0Yes
2011-09-08$5K$5K$0No
2011-09-08$5K$5K$0Yes
2011-09-08$1K$1K$0No
2011-09-08$0——Yes
2011-09-08$0——Yes
2011-09-08$24K$24K$0No
2011-09-08$7K$7K$0Yes
2011-09-08$78K$78K$0No
2011-09-08$5K$5K$0No
2011-09-08$0——Yes
2011-09-08$51K$51K$0Yes
2011-09-08$7K$7K$0Yes
2011-09-08$5K$5K$0Yes
2011-09-07$21K$21K$0Yes
2011-09-07$37K$37K$0No
2011-09-07$0——Yes

ALSO CHECKED

18 more data areas were checked for Otsego 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 OTSEGO COUNTY →Opens the loan explorer already filtered to county FIPS 36077.

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.