Skip to main content
MortRadarTERMINAL
State markets/New York/St. Lawrence County

COUNTY MORTGAGE MARKET · FIPS 36089

St. Lawrence County, New York

Who lends in St. Lawrence 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

$125.9M

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

Originations · 2025

899

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

Denial rate · 2025

20.9%

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

Lenders active · 2025

115

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 115 lenders that originated in St. Lawrence County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

755

unconcentrated

Top-5 lender share

56.6%

of originations

Purchase

72.7%

512 loans

Refinance

27.3%

192 loans

Origination trend

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

Lenders in St. Lawrence 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 St. Lawrence 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 ST. LAWRENCE COUNTY →

TOP TEN LENDERS IN ST. LAWRENCE 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.

184$19.3M$19.3M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
122$15.1M$15.1M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
100$13.9M$13.9M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
87$12.6M$12.6M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
60$10.4M$10.4M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
54$7.3M$7.3M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
33$4.7M$4.7M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
17$3.4M$3.4M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
18$2.8M$2.8M originated in St. Lawrence County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
16$2.7M$2.7M originated in St. Lawrence 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 St. Lawrence County

All 54 ZIP Code Tabulation Areas that touch St. Lawrence 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.
54 OF 54 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
44 of the 6 St. Lawrence County tracts this ZIP area touches sit mostly inside it.15,48312.1%4,641——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 St. Lawrence County tracts this ZIP area touches sit mostly inside it.14,90119.7%3,173——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 St. Lawrence County tracts this ZIP area touches sit mostly inside it.14,22211.7%3,866——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 St. Lawrence County tracts this ZIP area touches sit mostly inside it.14,16111.9%3,241——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 St. Lawrence County tracts this ZIP area touches sit mostly inside it.12,36410.9%3,930——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 St. Lawrence County tracts this ZIP area touches sit mostly inside it.6,4438.6%1,841——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 2 St. Lawrence County tracts this ZIP area touches sit mostly inside it.5,0515.4%1,603——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 St. Lawrence County tracts this ZIP area touches sit mostly inside it.4,4725.3%1,335——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 St. Lawrence County tracts this ZIP area touches sit mostly inside it.4,4538.2%1,390——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Lawrence County tracts this ZIP area touches sit mostly inside it.4,2215.9%1,270——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Lawrence County tracts this ZIP area touches sit mostly inside it.3,9796.7%1,173——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Lawrence County tracts this ZIP area touches sit mostly inside it.3,4215.2%1,015——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 St. Lawrence County tracts this ZIP area touches sit mostly inside it.2,1676.1%718——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 St. Lawrence County tracts this ZIP area touches sit mostly inside it.2,0856.6%753——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Lawrence County tracts this ZIP area touches sit mostly inside it.1,0824.6%438——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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 St. Lawrence 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.

30 of St. Lawrence County’s 30 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 St. Lawrence County

All 30 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.

30 OF 30 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate73.6%3,33112.0%OPEN →
Middle103.3%3,63311.2%OPEN →
Middle89.2%5,46914.7%OPEN →
Upper149.6%3,0508.5%OPEN →
Middle112.8%3,9796.7%OPEN →
Moderate73.3%4,4538.2%OPEN →
Middle86.4%6,4438.6%OPEN →
Upper136.5%3,39314.7%OPEN →
Upper146.3%3,25819.3%OPEN →
Upper124.2%4,4569.5%OPEN →
—0.0%2,24837.4%OPEN →
—0.0%1,54635.7%OPEN →
Upper124.7%4,2215.9%OPEN →
Upper125.0%4,59524.7%OPEN →
Middle82.9%3,4196.2%OPEN →
Moderate54.3%2,0507.4%OPEN →
Middle107.6%4,1584.0%OPEN →
Moderate73.3%4,4725.3%OPEN →
—0.0%1,52913.0%OPEN →
Upper137.0%5,6189.9%OPEN →
Middle109.9%4,49117.3%OPEN →
Middle103.8%3,4215.2%OPEN →
Middle118.4%2,5236.0%OPEN →
Middle87.3%2,1676.1%OPEN →
Moderate67.0%2,0856.6%OPEN →
Middle82.3%5,8134.6%OPEN →
Moderate74.7%6,55116.5%OPEN →
Moderate77.0%2,9945.5%OPEN →
Middle85.9%2,0575.1%OPEN →
Middle98.5%1,0824.6%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

107,226

Median household income

$62,850

Median home value

$121,900

Median gross rent

$818

per month

Owner-occupied

71.9%

of occupied units

Housing units

51,970

19.8% vacant

Poverty rate

16.9%

Unemployment

5.3%

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 77.9

Social vulnerability

Relatively High

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

74

Declarations recorded

19

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

Everything we hold on St. Lawrence 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 St. Lawrence County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for St. Lawrence County →Every reported application and origination in FIPS 36089, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in St. Lawrence 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

59

—

Purchase share

66.1%

39 loans

IRRRL refinances

12

Cash-out refinances

8

202659—39128
202581—65610
202457—4809
202371—6308
2022——72921
2021104—583610
202092—542315
201975—57216
201875—49719
201793—591519
201684—491520
201578—451518

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 St. Lawrence 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

St. Lawrence 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

213

+4.4% vs 2024

Multifamily · 2025

8

−66.7% vs 2024

Total authorized · 2025

221

−3.1% vs 2024

Permit valuation · 2025

$44.9M

authorized construction value

Units authorized by year

St. Lawrence County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01252503755001990199219941996199820002002200420062008201020122014201620182020202220242025221 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 St. Lawrence County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS421757$30.6M
inflow2223Other flows - South, DS293554$22.1M
inflow2223Other flows - Northeast, DS151253$12.2M
outflow2223Other flows - Northeast, DS149224$9.5M
inflow2223Franklin County, NY147279$8.3M
inflow2223Other flows - West, DS138236$10.8M
outflow2223Jefferson County, NY120221$4.8M
inflow2223Jefferson County, NY113224$4.8M
outflow2223Franklin County, NY111212$4.2M
outflow2223Other flows - West, DS110167$7.2M
inflow2223Other flows - Midwest, DS92169$7.0M
outflow2223Other flows - Midwest, DS88139$5.7M
outflow2223Onondaga County, NY6888$5.4M
inflow2223Onondaga County, NY4672$2.4M
outflow2223Monroe County, NY4361$2.3M
outflow2223Foreign - Other flows, FR3679$3.2M
outflow2223Clinton County, NY3657$2.0M
inflow2223Monroe County, NY3241$1.9M
inflow2223Foreign - Other flows, FR3164$3.1M
outflow2223Saratoga County, NY2738$1.5M
inflow2223Lewis County, NY2547$1.3M
outflow2223Albany County, NY2426$1.6M
outflow2223Erie County, NY2226$1.0M
outflow2223Lewis County, NY2238$869K
inflow2223Saratoga County, NY2034$1.3M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS397728$28.4M
inflow2122Other flows - South, DS300593$20.9M
outflow2122Jefferson County, NY155277$5.8M
inflow2122Franklin County, NY154275$6.5M
outflow2122Other flows - Northeast, DS148232$11.8M
inflow2122Other flows - Northeast, DS146236$10.4M
inflow2122Jefferson County, NY134244$5.1M
outflow2122Other flows - West, DS122191$8.3M
inflow2122Other flows - West, DS116188$7.2M
outflow2122Franklin County, NY101196$3.9M
outflow2122Other flows - Midwest, DS80127$5.2M
inflow2122Other flows - Midwest, DS74132$4.1M
outflow2122Onondaga County, NY5172$3.7M
inflow2122Onondaga County, NY5079$5.9M
outflow2122Monroe County, NY3438$1.9M
inflow2122Lewis County, NY2952$1.9M
outflow2122Clinton County, NY2642$2.0M
inflow2122Essex County, NY2638$769K
inflow2122Monroe County, NY2532$1.9M
outflow2122Lewis County, NY2437$1.1M
outflow2122Saratoga County, NY2229$925K
inflow2122Oneida County, NY2228$936K
outflow2122Oneida County, NY2137$1.2M
inflow2122Clinton County, NY2133$644K
inflow2122Erie County, NY2031$1.2M
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS400723$24.7M
inflow2021Other flows - South, DS331639$21.4M
inflow2021Franklin County, NY157288$6.7M
inflow2021Other flows - Northeast, DS150273$10.2M
outflow2021Other flows - Northeast, DS143217$10.3M
outflow2021Jefferson County, NY139241$6.1M
inflow2021Jefferson County, NY130208$4.8M
outflow2021Other flows - West, DS128216$7.9M
outflow2021Franklin County, NY115214$4.9M
inflow2021Other flows - West, DS114194$7.8M
outflow2021Other flows - Midwest, DS83167$4.9M
inflow2021Other flows - Midwest, DS77144$4.1M
outflow2021Onondaga County, NY6485$2.9M
inflow2021Onondaga County, NY5485$3.5M
inflow2021Lewis County, NY4061$1.9M
inflow2021Clinton County, NY3559$2.5M
outflow2021Monroe County, NY3544$1.5M
outflow2021Clinton County, NY3155$1.3M
outflow2021Saratoga County, NY3146$1.9M
inflow2021Monroe County, NY2637$1.3M
outflow2021Oswego County, NY2132$1.2M
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS381777$50.3M
inflow1920Other flows - South, DS281550$18.0M
outflow1920Other flows - Northeast, DS160268$9.3M
inflow1920Franklin County, NY137281$7.1M
inflow1920Other flows - Northeast, DS136246$10.5M
outflow1920Jefferson County, NY130237$5.1M
inflow1920Jefferson County, NY128294$5.0M
outflow1920Other flows - West, DS110203$6.6M
outflow1920Franklin County, NY107204$4.3M
inflow1920Other flows - West, DS104213$8.3M
outflow1920Other flows - Midwest, DS75177$4.4M
outflow1920Onondaga County, NY74110$3.4M
inflow1920Other flows - Midwest, DS71148$5.2M
inflow1920Onondaga County, NY3451$1.4M
inflow1920Monroe County, NY3153$1.7M
outflow1920Monroe County, NY3036$1.6M
outflow1920Clinton County, NY2943$2.1M
outflow1920Oswego County, NY2749$1.2M
outflow1920Lewis County, NY2541$1.2M
inflow1920Clinton County, NY2138$837K
inflow1920Albany County, NY2129$853K
outflow1920Essex County, NY2136$1.3M
outflow1920Saratoga County, NY2023$915K
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS369672$21.3M
inflow1819Other flows - South, DS284566$15.7M
outflow1819Franklin County, NY136244$5.4M
inflow1819Other flows - Northeast, DS136226$9.1M
inflow1819Franklin County, NY123228$4.8M
outflow1819Other flows - Northeast, DS121187$7.8M
outflow1819Other flows - West, DS117232$8.1M
inflow1819Other flows - West, DS110206$8.6M
outflow1819Jefferson County, NY101194$3.6M
inflow1819Jefferson County, NY99178$4.0M
outflow1819Other flows - Midwest, DS94175$6.8M
inflow1819Other flows - Midwest, DS69133$4.5M
outflow1819Onondaga County, NY6296$3.8M
inflow1819Onondaga County, NY4065$1.8M
inflow1819Clinton County, NY3556$2.3M
outflow1819Clinton County, NY3247$1.1M
outflow1819Monroe County, NY3151$1.6M
inflow1819Monroe County, NY2644$1.9M
outflow1819Oswego County, NY2337$943K
inflow1819Oswego County, NY2240$910K
inflow1819Lewis County, NY2237$641K
outflow1819Lewis County, NY2248$940K
outflow1819Erie County, NY2232$995K
outflow1819Saratoga County, NY2128$1.5M
outflow1819Oneida County, NY2035$941K
outflow1718Foreign - Other flows, FR———
inflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS384715$21.1M
inflow1718Other flows - South, DS265545$15.5M
outflow1718Other flows - Northeast, DS186283$9.4M
inflow1718Other flows - Northeast, DS140223$7.8M
outflow1718Franklin County, NY137234$4.7M
inflow1718Franklin County, NY136239$5.1M
outflow1718Other flows - West, DS117225$6.5M
outflow1718Jefferson County, NY111211$3.8M
inflow1718Jefferson County, NY109213$3.8M
inflow1718Other flows - West, DS105212$5.7M
outflow1718Other flows - Midwest, DS103198$4.8M
inflow1718Other flows - Midwest, DS81158$4.0M
outflow1718Onondaga County, NY69105$2.8M
outflow1718Clinton County, NY4967$2.3M
inflow1718Clinton County, NY3859$1.4M
inflow1718Onondaga County, NY3563$1.5M
outflow1718Lewis County, NY3160$1.1M
inflow1718Lewis County, NY3170$1.4M
outflow1718Erie County, NY2943$1.3M
outflow1718Monroe County, NY2331$1.0M
outflow1718Oswego County, NY2135$1.1M
inflow1718Albany County, NY2133$1.8M
outflow1718Albany County, NY2129$801K
outflow1718Oneida County, NY2031$909K
inflow1718Monroe County, NY2033$894K
inflow1617Foreign - Other flows, FR———
outflow1617Foreign - Other flows, FR———
outflow1617Other flows - South, DS504973$25.9M
inflow1617Other flows - South, DS335663$18.5M
inflow1617Other flows - Northeast, DS181343$11.4M
outflow1617Other flows - Northeast, DS178304$8.3M
outflow1617Jefferson County, NY163324$6.2M
inflow1617Franklin County, NY162305$6.4M
inflow1617Other flows - West, DS149288$9.8M
outflow1617Other flows - West, DS147281$8.3M
outflow1617Franklin County, NY146282$5.3M
inflow1617Jefferson County, NY146285$6.6M
outflow1617Other flows - Midwest, DS134306$7.2M
inflow1617Other flows - Midwest, DS105227$5.9M
inflow1617Onondaga County, NY75135$3.3M
outflow1617Onondaga County, NY5381$2.3M
outflow1617Clinton County, NY4474$2.0M
inflow1617Lewis County, NY3976$1.4M
outflow1617Monroe County, NY3757$2.0M
outflow1617Albany County, NY3448$1.3M
outflow1617Oneida County, NY3454$1.2M
outflow1617Saratoga County, NY3347$1.5M
inflow1617Clinton County, NY3257$1.4M
inflow1617Erie County, NY3045$1.1M
outflow1617Lewis County, NY2956$886K
outflow1617Erie County, NY2838$1.1M
outflow1617Oswego County, NY2746$1.2M
inflow1617Oswego County, NY2443$1.1M
inflow1617Oneida County, NY2231$958K
inflow1617Monroe County, NY2233$903K
inflow1617Essex County, NY2131$994K
outflow1617Essex County, NY2028$676K
outflow1516Other flows - South, DS421840$20.2M
inflow1516Other flows - South, DS231484$11.9M
outflow1516Other flows - Northeast, DS177323$9.7M
outflow1516Other flows - West, DS154299$7.6M
outflow1516Jefferson County, NY144274$5.2M
inflow1516Jefferson County, NY127257$3.9M
inflow1516Other flows - Northeast, DS124223$5.5M
inflow1516Franklin County, NY106218$3.6M
outflow1516Other flows - Midwest, DS97195$5.3M
outflow1516Franklin County, NY92174$3.3M
inflow1516Other flows - West, DS88182$6.3M
inflow1516Other flows - Midwest, DS77140$3.7M
outflow1516Onondaga County, NY71116$3.1M
inflow1516Onondaga County, NY3978$2.2M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for St. Lawrence County.

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

2023PurchaseNo CharacteristicAll Appraisals202.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals80.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals282.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals171,500.0
2023BothNo CharacteristicAll Appraisals174,500.0
2023PurchaseNo CharacteristicAll Appraisals174,500.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals155,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals153,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals124.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals158,500.0
2022BothNo CharacteristicAll Appraisals413.0
2022PurchaseNo CharacteristicAll Appraisals289.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals181,800.0
2021BothNo CharacteristicAll Appraisals639.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals385.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals254.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals156,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals141,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals496.0
2020PurchaseNo CharacteristicAll Appraisals280.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals162,000.0
2020RefinanceNo CharacteristicAll Appraisals185,000.0
2020RefinanceNo CharacteristicAll Appraisals216.0
2020PurchaseNo CharacteristicAll Appraisals140,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals150,000.0
2019PurchaseNo CharacteristicAll Appraisals239.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals157,000.0
2019BothNo CharacteristicAll Appraisals370.0
2019RefinanceNo CharacteristicAll Appraisals131.0
2019PurchaseNo CharacteristicAll Appraisals145,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals132,500.0
2018BothNo CharacteristicAll Appraisals314.0
2018PurchaseNo CharacteristicAll Appraisals192.0
2018RefinanceNo CharacteristicAll Appraisals122.0
2018BothNo CharacteristicAll Appraisals126,000.0
2018PurchaseNo CharacteristicAll Appraisals124,500.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals125,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals307.0
2017PurchaseNo CharacteristicAll Appraisals182.0
2017PurchaseNo CharacteristicAll Appraisals119,000.0
2017RefinanceNo CharacteristicAll Appraisals125.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals120,500.0
2016PurchaseNo CharacteristicAll Appraisals176.0
2016RefinanceNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals129,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals133,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals311.0
2016RefinanceNo CharacteristicAll Appraisals135.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals122,000.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015RefinanceNo CharacteristicAll Appraisals135,000.0
2015BothNo CharacteristicAll Appraisals307.0
2015RefinanceNo CharacteristicAll Appraisals137.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals170.0
2015BothNo CharacteristicAll Appraisals128,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals135,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0544,27642,1922,0844.7%
2026-0444,18042,0632,1174.8%
2026-0344,32142,0882,2335.0%
2026-0244,62442,1052,5195.6%
2026-0143,38441,0182,3665.5%
2025-1244,41642,4162,0004.5%
2025-1144,96043,0871,8734.2%
2025-0944,72942,7981,9314.3%
2025-0841,72339,6112,1125.1%
2025-0742,07839,9652,1135.0%
2025-0644,21742,3401,8774.2%
2025-0543,79342,0651,7283.9%
2025-0443,93742,1361,8014.1%
2025-0343,86141,7402,1214.8%
2025-0243,85141,6072,2445.1%
2025-0143,09040,8372,2535.2%
2024-1243,52241,7001,8224.2%
2024-1143,97642,2981,6783.8%
2024-1044,41042,8581,5523.5%
2024-0944,44642,8871,5593.5%
2024-0842,23740,2032,0344.8%
2024-0742,36440,3262,0384.8%
2024-0644,48542,5891,8964.3%
2024-0544,72843,0031,7253.9%
2024-0444,39242,6301,7624.0%
2024-0341,92439,7922,1325.1%
2024-0241,96439,6482,3165.5%
2024-0141,44439,1072,3375.6%
2023-1241,73039,6842,0464.9%
2023-1142,22740,5121,7154.1%
2023-1042,36040,6421,7184.1%
2023-0942,68441,0891,5953.7%
2023-0840,11438,1761,9384.8%
2023-0740,13538,3211,8144.5%
2023-0641,96740,2421,7254.1%
2023-0542,16540,6241,5413.7%
2023-0441,94840,4991,4493.5%
2023-0344,19042,3861,8044.1%
2023-0244,24442,2152,0294.6%
2023-0143,17441,0522,1224.9%
2022-1243,55741,8481,7093.9%
2022-1143,34141,7471,5943.7%
2022-1043,75042,3341,4163.2%
2022-0943,87742,4201,4573.3%
2022-0841,30739,3301,9774.8%
2022-0741,48739,5091,9784.8%
2022-0643,37341,5881,7854.1%
2022-0544,05542,5421,5133.4%
2022-0443,79042,1891,6013.7%
2022-0344,01842,0831,9354.4%
2022-0244,65742,4992,1584.8%
2022-0143,67041,5442,1264.9%
2021-1244,10042,5691,5313.5%
2021-1144,40142,8181,5833.6%
2021-1044,41542,7181,6973.8%
2021-0944,79042,9781,8124.0%
2021-0842,34940,0552,2945.4%
2021-0742,46240,0652,3975.6%
2021-0644,23841,8372,4015.4%
2021-0544,14142,0772,0644.7%
2021-0444,44842,0952,3535.3%
2021-0344,35541,6092,7466.2%
2021-0244,61941,6472,9726.7%
2021-0144,26441,3972,8676.5%
2020-1244,54842,0232,5255.7%
2020-1144,81442,6742,1404.8%
2020-1044,85542,7772,0784.6%
2020-0945,17642,7222,4545.4%
2020-0843,15340,1852,9686.9%
2020-0743,21239,2004,0129.3%
2020-0645,07240,9284,1449.2%
2020-0544,41039,1695,24111.8%
2020-0444,44337,4576,98615.7%
2020-0344,98641,7473,2397.2%
2020-0245,34242,5702,7726.1%
2020-0145,18442,3152,8696.3%
2019-1245,70143,2492,4525.4%
2019-1145,60343,4502,1534.7%
2019-1045,71943,6592,0604.5%
2019-0945,52943,5381,9914.4%
2019-0843,68941,3012,3885.5%
2019-0743,37840,9072,4715.7%
2019-0644,60442,4282,1764.9%
2019-0544,62842,5952,0334.6%
2019-0444,75942,5162,2435.0%
2019-0345,02142,3362,6856.0%
2019-0245,46942,7312,7386.0%
2019-0145,08942,2932,7966.2%
2018-1245,82343,5502,2735.0%
2018-1145,91443,9701,9444.2%
2018-1045,34843,5001,8484.1%
2018-0945,49243,6281,8644.1%
2018-0844,24241,9172,3255.3%
2018-0744,88242,4212,4615.5%
2018-0644,56642,0942,4725.5%
2018-0544,81342,6922,1214.7%
2018-0445,22842,6962,5325.6%
2018-0345,15542,1952,9606.6%
2018-0245,52142,1933,3287.3%
2018-0145,11241,8043,3087.3%

BEA Personal Income

2024$5.41B106,198$51K
2023$5.13B106,727$48K
2022$4.88B107,043$46K
2021$4.93B107,835$46K
2020$4.64B108,327$43K
2019$4.21B108,824$39K
2018$4.06B109,477$37K
2017$4.01B109,597$37K
2016$3.79B110,221$34K
2015$3.74B110,999$34K
2014$3.70B111,962$33K
2013$3.64B112,339$32K
2012$3.52B112,645$31K
2011$3.45B112,432$31K
2010$3.33B111,850$30K
2009$3.20B112,169$29K
2008$3.15B111,684$28K
2007$2.93B111,586$26K
2006$2.76B111,556$25K
2005$2.66B111,606$24K
2004$2.61B111,468$23K
2003$2.50B111,329$22K
2002$2.39B111,292$22K
2001$2.35B111,497$21K
2000$2.36B111,864$21K
1999$2.25B112,202$20K
1998$2.18B112,261$19K
1997$2.05B112,867$18K
1996$1.97B113,888$17K
1995$1.90B114,317$17K
1994$1.86B114,495$16K
1993$1.79B114,867$16K
1992$1.76B114,054$15K
1991——$14K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-08-16$0$0$0No
2024-08-10$9K$5K$4KYes
2024-08-09$55K$49K$6KYes
2024-08-09$0$0$0No
2024-08-09$23K$14K$9KYes
2024-08-09$445.03$445.03$0Yes
2024-08-09$9K$9K$0Yes
2024-08-09$1.0M$500K$500KNo
2019-05-20$32K$32K$0No
2019-04-04$8K$8K$0No
2018-01-13$8K$8K$0Yes
2018-01-12$10K$10K$0Yes
2017-11-01$0——Yes
2017-10-31$14K$14K$0Yes
2017-10-31$43K$32K$11KYes
2017-10-29$10K$10K$0Yes
2017-06-01$0——No
2017-05-07$15K$15K$0No
2016-12-25$0——No
2015-07-17$0——No
2014-04-18$5K$5K$509.55Yes
2014-04-16$15K$15K$0Yes
2014-04-15$31K$23K$8KYes
2014-04-15$0——Yes
2014-04-14$0——Yes
2014-04-13$0——Yes
2014-04-13$2K$2K$0No
2014-04-11$42K$42K$0Yes
2014-04-11$0——Yes
2014-04-11$0——Yes
2014-04-09$19K$19K$0No
2014-04-07$634.61$634.61$0No
2014-01-13$12K$12K$0No
2013-11-15$0——No
2012-04-19$0——Yes
2011-08-27$0——No
2010-10-01$0——Yes
2010-09-30$0——Yes
2010-09-30$2K$2K$0Yes
2010-08-23$1K$1K$0Yes
2010-08-23$5K$5K$0Yes
2010-06-24$991.44$991.44$0Yes
2008-10-20$12K$12K$0No
2005-09-16$4K$4K$0Yes
2003-03-28$5K$5K$0Yes
2000-03-01$9K$9K$0Yes
2000-02-29$6K$6K$0Yes
2000-02-28$4K$2K$2KYes
1999-01-25$14K$11K$2KYes
1999-01-24$12K$11K$1KYes
1998-01-14$15K$15K$0No
1998-01-10$239.98$239.98$0Yes
1998-01-10$8K$6K$3KYes
1998-01-10$4K$4K$0Yes
1998-01-10$3K$3K$0Yes
1998-01-09$1K$1K$0No
1998-01-09$5K$5K$0Yes
1998-01-09$19K$19K$0No
1998-01-09$4K$4K$0Yes
1998-01-09$0——No
1998-01-08$3K$1K$1KYes
1998-01-08$13K$12K$2KYes
1998-01-08$0——Yes
1996-01-26$0——No
1996-01-20$10K$10K$0Yes
1996-01-19$35K$30K$5KYes
1996-01-19$45K$33K$12KNo
1996-01-19$8K$5K$3KYes
1996-01-19$18K$13K$5KNo
1993-04-11$4K$4K$0Yes
1993-04-11$1K$1K$0No
1993-03-31$1K$1K$0No
1991-05-21$0——No
1991-01-04$433$433$0Yes
1990-03-17$713.17$551.17$162No
1989-05-06$852.48$852.48$0No
1989-03-29$0——No
1989-03-16$0——No
1985-03-15$500$500$0No
1985-02-25$569$0$569No
1985-02-25$8K$8K$0No
1985-02-25$0——No
1985-02-23$8K$6K$2KNo
1984-02-17$1K$1K$0No
1984-02-16$0——No
1984-02-15$6K$6K$0No
1983-12-25$813$813$0No
1983-12-24$0——No
1983-12-15$0——No
1983-12-14$4K$300$3KNo
1982-03-13$2K$1K$937.05No
1981-02-20$969.3$969.3$0No
1979-04-06$0——No
1978-01-11$0——No
1978-01-09$888$888$0No

ALSO CHECKED

18 more data areas were checked for St. Lawrence 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 ST. LAWRENCE COUNTY →Opens the loan explorer already filtered to county FIPS 36089.

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.