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State markets/New York/Steuben County

COUNTY MORTGAGE MARKET · FIPS 36101

Steuben County, New York

Who lends in Steuben 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

$240.4M

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

Originations · 2025

1,685

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

Denial rate · 2025

16.4%

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

Lenders active · 2025

129

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

Concentration (HHI)

640

unconcentrated

Top-5 lender share

46.2%

of originations

Purchase

71.2%

790 loans

Refinance

28.8%

320 loans

Origination trend

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

Lenders in Steuben 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 Steuben 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 STEUBEN COUNTY →

TOP TEN LENDERS IN STEUBEN 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.

374$43.3M$43.3M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
292$24.3M$24.3M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
133$15.0M$15.0M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
122$14.2M$14.2M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
87$14.2M$14.2M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
29$12.0M$12.0M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
61$10.7M$10.7M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
50$8.4M$8.4M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
23$6.8M$6.8M originated in Steuben County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
28$5.7M$5.7M originated in Steuben 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 Steuben County

All 40 ZIP Code Tabulation Areas that touch Steuben 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.
40 OF 40 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 9 Steuben County tracts this ZIP area touches sit mostly inside it.16,53413.5%5,080——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Steuben County tracts this ZIP area touches sit mostly inside it.12,29712.3%3,155——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Steuben County tracts this ZIP area touches sit mostly inside it.11,4248.3%3,608——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Steuben County tracts this ZIP area touches sit mostly inside it.8,6975.4%2,663——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Steuben County tracts this ZIP area touches sit mostly inside it.8,09519.9%2,399——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Steuben County tracts this ZIP area touches sit mostly inside it.4,3777.7%1,427——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Steuben County tract this ZIP area touches sit mostly inside it.4,1133.8%1,278——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Steuben County tracts this ZIP area touches sit mostly inside it.3,9376.7%1,543——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Steuben County tracts this ZIP area touches sit mostly inside it.3,8626.9%1,303——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Steuben County tracts this ZIP area touches sit mostly inside it.3,7327.6%1,212——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Steuben County tracts this ZIP area touches sit mostly inside it.3,3797.3%1,108——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Steuben County tracts this ZIP area touches sit mostly inside it.3,2957.3%949——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Steuben County tracts this ZIP area touches sit mostly inside it.3,1605.5%1,159——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Steuben County tracts this ZIP area touches sit mostly inside it.2,7297.2%940——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Steuben County tracts this ZIP area touches sit mostly inside it.2,2696.2%846——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Steuben County tract this ZIP area touches sit mostly inside it.1,6849.7%588——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 5 tracts of Steuben 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 Steuben 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 Steuben 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 Steuben 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 Steuben 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.

31 of Steuben County’s 31 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 Steuben County

All 31 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.

31 OF 31 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle85.6%1,2585.6%OPEN →
Moderate76.2%3,1198.6%OPEN →
Middle92.0%2,2696.2%OPEN →
Middle84.1%3,7327.6%OPEN →
Middle98.4%2,7297.2%OPEN →
Middle102.7%4,0398.0%OPEN →
Middle90.5%2,85813.5%OPEN →
Middle88.7%2,89313.8%OPEN →
Moderate70.3%2,50716.1%OPEN →
Middle88.7%3,3797.3%OPEN →
Middle84.0%4,1749.1%OPEN →
Middle88.1%3,5799.1%OPEN →
Middle85.3%3,6716.5%OPEN →
Middle94.2%2,1226.8%OPEN →
Middle103.1%1,8156.5%OPEN →
Middle112.5%1,6849.7%OPEN →
Middle99.5%3,1605.5%OPEN →
Middle97.5%3,2455.6%OPEN →
Middle109.1%3,2957.3%OPEN →
Middle85.3%4,1133.8%OPEN →
Middle86.2%3,0553.9%OPEN →
Middle90.6%2,3977.2%OPEN →
Upper185.8%5,25725.4%OPEN →
Middle87.7%2,8389.7%OPEN →
Middle98.3%2,77614.5%OPEN →
Moderate78.8%2,30713.2%OPEN →
Middle108.2%2,26214.2%OPEN →
Upper151.7%3,20615.8%OPEN →
Upper132.3%3,14410.7%OPEN →
Upper169.7%2,83912.9%OPEN →
Upper122.6%3,8626.9%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

92,588

Median household income

$65,887

Median home value

$137,900

Median gross rent

$894

per month

Owner-occupied

73.3%

of occupied units

Housing units

47,665

17.7% vacant

Poverty rate

13.8%

Unemployment

6.0%

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 76.9

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

77

Declarations recorded

24

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

Everything we hold on Steuben 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 Steuben County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Steuben County →Every reported application and origination in FIPS 36101, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Steuben 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

57

—

Purchase share

61.4%

35 loans

IRRRL refinances

10

Cash-out refinances

12

202657—351012
202572—52812
202453—4805
202352—4516
2022——61521
2021122—724010
202091—58267
201976—62113
201878—60513
201798—72620
201674—56711
201569—48813

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 Steuben 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

Steuben 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

104

−13.3% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

104

−13.3% vs 2024

Permit valuation · 2025

$22.5M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01252503755001990199219941996199820002002200420062008201020122014201620182020202220242025104 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 Steuben County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS492815$40.3M
inflow2223Other flows - South, DS335603$23.7M
outflow2223Chemung County, NY284463$15.9M
inflow2223Chemung County, NY273503$16.4M
inflow2223Other flows - Northeast, DS176283$12.7M
outflow2223Other flows - Northeast, DS159250$12.2M
outflow2223Livingston County, NY121223$5.7M
outflow2223Monroe County, NY113168$8.7M
inflow2223Livingston County, NY109189$4.7M
outflow2223Other flows - West, DS106148$9.1M
inflow2223Other flows - West, DS102146$7.8M
inflow2223Allegany County, NY99162$4.2M
outflow2223Allegany County, NY84139$4.0M
inflow2223Other flows - Midwest, DS84148$6.4M
outflow2223Other flows - Midwest, DS84155$6.2M
inflow2223Monroe County, NY82123$5.1M
inflow2223Tioga County, PA82135$3.8M
inflow2223Schuyler County, NY71115$2.8M
outflow2223Tioga County, PA68110$3.5M
outflow2223Schuyler County, NY64109$3.9M
inflow2223Ontario County, NY61115$2.4M
outflow2223Ontario County, NY5987$3.4M
inflow2223Yates County, NY55106$2.7M
outflow2223Yates County, NY52100$3.2M
outflow2223Erie County, NY4559$2.3M
inflow2223Erie County, NY2837$1.6M
inflow2223Tompkins County, NY2841$1.7M
outflow2223Tompkins County, NY2228$1.4M
outflow2223Bradford County, PA2130$948K
outflow2223Foreign - Other flows, FR2135$5.0M
inflow2223Bradford County, PA2137$1.4M
outflow2223Broome County, NY2028$1.2M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS476884$45.9M
inflow2122Other flows - South, DS341588$20.3M
outflow2122Chemung County, NY300502$20.0M
inflow2122Chemung County, NY273446$15.8M
outflow2122Other flows - Northeast, DS169291$13.0M
inflow2122Other flows - Northeast, DS155238$11.8M
inflow2122Livingston County, NY118207$5.0M
outflow2122Other flows - West, DS117195$11.5M
outflow2122Livingston County, NY117189$4.9M
inflow2122Other flows - West, DS111189$8.3M
outflow2122Monroe County, NY104172$5.4M
inflow2122Allegany County, NY103175$4.5M
outflow2122Allegany County, NY103184$4.1M
inflow2122Monroe County, NY102164$9.0M
outflow2122Other flows - Midwest, DS102184$6.7M
inflow2122Other flows - Midwest, DS80139$5.6M
inflow2122Tioga County, PA72133$3.4M
inflow2122Schuyler County, NY70125$5.9M
outflow2122Schuyler County, NY69128$4.8M
outflow2122Ontario County, NY66104$4.3M
inflow2122Ontario County, NY58100$3.0M
outflow2122Tioga County, PA5281$2.8M
outflow2122Yates County, NY5079$1.9M
inflow2122Yates County, NY4683$2.9M
inflow2122Erie County, NY3962$2.1M
outflow2122Erie County, NY3140$1.8M
inflow2122Tompkins County, NY2741$1.9M
outflow2122Tompkins County, NY2432$1.5M
inflow2122Bradford County, PA2345$2.3M
inflow2122Tioga County, NY2338$1.0M
outflow2122Onondaga County, NY2124$1.0M
inflow2122Broome County, NY2026$798K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS474855$35.4M
inflow2021Chemung County, NY335573$21.2M
outflow2021Chemung County, NY296498$16.0M
inflow2021Other flows - South, DS256451$16.5M
inflow2021Other flows - Northeast, DS165289$14.5M
outflow2021Other flows - Northeast, DS161281$12.6M
inflow2021Other flows - West, DS125225$7.5M
outflow2021Monroe County, NY123180$5.5M
inflow2021Monroe County, NY121182$7.4M
outflow2021Livingston County, NY120219$5.9M
inflow2021Livingston County, NY112178$4.5M
outflow2021Other flows - West, DS104181$8.1M
inflow2021Allegany County, NY94145$4.5M
outflow2021Allegany County, NY93162$4.5M
inflow2021Schuyler County, NY82152$3.8M
inflow2021Ontario County, NY73134$3.8M
inflow2021Tioga County, PA70130$3.1M
outflow2021Other flows - Midwest, DS68135$5.7M
inflow2021Other flows - Midwest, DS67116$3.8M
outflow2021Schuyler County, NY65126$3.9M
outflow2021Tioga County, PA60127$3.1M
outflow2021Ontario County, NY5684$3.0M
inflow2021Yates County, NY5497$2.6M
outflow2021Yates County, NY4384$1.8M
inflow2021Erie County, NY3953$1.5M
outflow2021Erie County, NY3850$1.9M
inflow2021Tompkins County, NY2240$1.7M
outflow2021Tompkins County, NY2135$1.6M
inflow2021Bradford County, PA2040$876K
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS444848$37.9M
inflow1920Chemung County, NY322588$17.9M
outflow1920Chemung County, NY313553$16.4M
inflow1920Other flows - South, DS272561$17.5M
outflow1920Other flows - Northeast, DS170309$12.7M
inflow1920Other flows - Northeast, DS165297$10.1M
outflow1920Monroe County, NY120178$9.7M
outflow1920Livingston County, NY112224$5.0M
inflow1920Allegany County, NY108206$4.1M
inflow1920Other flows - West, DS108187$8.2M
inflow1920Livingston County, NY105208$5.1M
outflow1920Other flows - West, DS101216$7.3M
inflow1920Monroe County, NY95166$5.5M
outflow1920Allegany County, NY85170$3.7M
outflow1920Schuyler County, NY78153$3.5M
outflow1920Other flows - Midwest, DS74182$7.4M
outflow1920Tioga County, PA68134$3.0M
outflow1920Ontario County, NY65110$4.0M
inflow1920Ontario County, NY64149$3.2M
inflow1920Schuyler County, NY61107$2.4M
inflow1920Other flows - Midwest, DS56108$4.1M
inflow1920Tioga County, PA50100$1.9M
inflow1920Yates County, NY46114$2.0M
inflow1920Erie County, NY3756$2.5M
outflow1920Yates County, NY3268$1.6M
outflow1920Erie County, NY2840$1.4M
inflow1920Tompkins County, NY2344$1.3M
outflow1920Tompkins County, NY2142$2.8M
outflow1920Onondaga County, NY2022$1.0M
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS402741$30.6M
outflow1819Chemung County, NY330575$19.0M
inflow1819Other flows - South, DS316595$22.5M
inflow1819Chemung County, NY270501$15.7M
outflow1819Other flows - Northeast, DS144246$13.7M
inflow1819Other flows - Northeast, DS134239$9.2M
outflow1819Other flows - West, DS117165$7.4M
outflow1819Livingston County, NY115207$4.3M
inflow1819Allegany County, NY106196$3.6M
inflow1819Livingston County, NY104204$4.0M
outflow1819Monroe County, NY90140$4.3M
inflow1819Other flows - West, DS90146$5.4M
outflow1819Allegany County, NY89168$3.7M
outflow1819Other flows - Midwest, DS77167$5.3M
inflow1819Monroe County, NY77112$4.9M
inflow1819Schuyler County, NY75144$3.7M
outflow1819Schuyler County, NY73125$3.8M
inflow1819Other flows - Midwest, DS64131$5.7M
outflow1819Tioga County, PA64118$2.9M
inflow1819Tioga County, PA60112$2.3M
outflow1819Ontario County, NY5995$2.2M
inflow1819Yates County, NY53100$2.5M
outflow1819Erie County, NY3854$1.7M
inflow1819Ontario County, NY3664$1.3M
outflow1819Yates County, NY3349$1.8M
outflow1819Tioga County, NY2678$1.0M
inflow1819Erie County, NY2550$1.2M
outflow1819Tompkins County, NY2543$1.4M
inflow1819Broome County, NY2234$698K
outflow1819Onondaga County, NY2135$914K
inflow1819Tompkins County, NY2024$854K
inflow1718Foreign - Other flows, FR———
outflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS433838$40.0M
outflow1718Chemung County, NY339590$15.4M
inflow1718Other flows - South, DS280535$15.4M
inflow1718Chemung County, NY265487$14.0M
inflow1718Other flows - Northeast, DS175316$19.3M
outflow1718Other flows - Northeast, DS142251$9.7M
inflow1718Livingston County, NY126222$4.3M
outflow1718Monroe County, NY121202$6.7M
outflow1718Other flows - West, DS105171$7.5M
outflow1718Livingston County, NY104194$4.2M
inflow1718Allegany County, NY98159$4.0M
outflow1718Allegany County, NY94175$3.2M
outflow1718Tioga County, PA84162$3.2M
inflow1718Other flows - West, DS81146$4.5M
outflow1718Other flows - Midwest, DS78172$6.9M
inflow1718Monroe County, NY76117$3.4M
inflow1718Other flows - Midwest, DS73134$5.1M
inflow1718Schuyler County, NY72132$2.9M
outflow1718Schuyler County, NY70139$3.5M
outflow1718Ontario County, NY64122$2.8M
inflow1718Ontario County, NY6496$2.8M
inflow1718Yates County, NY61117$2.1M
inflow1718Tioga County, PA60112$2.3M
outflow1718Yates County, NY4384$1.4M
outflow1718Erie County, NY3859$1.8M
outflow1718Onondaga County, NY2435$1.5M
outflow1718Tompkins County, NY2334$1.3M
inflow1718Erie County, NY2234$756K
outflow1617Foreign - Other flows, FR———
inflow1617Foreign - Other flows, FR———
outflow1617Other flows - South, DS5871,196$40.1M
inflow1617Other flows - South, DS380734$25.7M
outflow1617Chemung County, NY355669$21.2M
inflow1617Chemung County, NY336608$17.8M
inflow1617Other flows - Northeast, DS231418$14.2M
outflow1617Other flows - Northeast, DS205387$13.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Steuben County.

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

2023PurchaseNo CharacteristicAll Appraisals240.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals60.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals300.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals187,000.0
2023BothNo CharacteristicAll Appraisals180,000.0
2023PurchaseNo CharacteristicAll Appraisals180,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals166,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals162,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals137.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals170,000.0
2022BothNo CharacteristicAll Appraisals407.0
2022PurchaseNo CharacteristicAll Appraisals270.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals173,500.0
2021BothNo CharacteristicAll Appraisals598.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals386.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals212.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals165,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals157,500.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals442.0
2020PurchaseNo CharacteristicAll Appraisals285.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals168,000.0
2020RefinanceNo CharacteristicAll Appraisals175,000.0
2020RefinanceNo CharacteristicAll Appraisals157.0
2020PurchaseNo CharacteristicAll Appraisals155,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals138,000.0
2019PurchaseNo CharacteristicAll Appraisals240.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals140,000.0
2019BothNo CharacteristicAll Appraisals357.0
2019RefinanceNo CharacteristicAll Appraisals117.0
2019PurchaseNo CharacteristicAll Appraisals138,000.0
2019PurchaseNo CharacteristicAll Appraisals0.9
2018RefinanceNo CharacteristicAll Appraisals130,000.0
2018BothNo CharacteristicAll Appraisals385.0
2018PurchaseNo CharacteristicAll Appraisals286.0
2018RefinanceNo CharacteristicAll Appraisals99.0
2018BothNo CharacteristicAll Appraisals138,000.0
2018PurchaseNo CharacteristicAll Appraisals140,500.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals135,500.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals386.0
2017PurchaseNo CharacteristicAll Appraisals282.0
2017PurchaseNo CharacteristicAll Appraisals148,000.0
2017RefinanceNo CharacteristicAll Appraisals104.0
2017PurchaseNo CharacteristicAll Appraisals0.9
2017BothNo CharacteristicAll Appraisals145,000.0
2016PurchaseNo CharacteristicAll Appraisals219.0
2016RefinanceNo CharacteristicAll Appraisals130,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals128,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals129,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals330.0
2016RefinanceNo CharacteristicAll Appraisals111.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals121,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals141,500.0
2015BothNo CharacteristicAll Appraisals331.0
2015RefinanceNo CharacteristicAll Appraisals120.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals211.0
2015BothNo CharacteristicAll Appraisals125,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals125,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0539,42837,8621,5664.0%
2026-0439,04137,4581,5834.1%
2026-0339,72937,8281,9014.8%
2026-0239,84237,6082,2345.6%
2026-0139,86637,8821,9845.0%
2025-1239,68938,0271,6624.2%
2025-1140,06038,5121,5483.9%
2025-0940,12938,6381,4913.7%
2025-0838,79937,2821,5173.9%
2025-0739,26937,7581,5113.8%
2025-0639,97738,6241,3533.4%
2025-0539,06337,8281,2353.2%
2025-0438,98537,6701,3153.4%
2025-0338,89037,1821,7084.4%
2025-0238,98837,0331,9555.0%
2025-0139,68537,8051,8804.7%
2024-1239,01637,4891,5273.9%
2024-1139,31437,8701,4443.7%
2024-1039,62238,2251,3973.5%
2024-0940,04438,7661,2783.2%
2024-0839,23937,7431,4963.8%
2024-0739,81638,2371,5794.0%
2024-0640,83539,4151,4203.5%
2024-0539,91838,5401,3783.5%
2024-0439,54638,1371,4093.6%
2024-0339,99038,2351,7554.4%
2024-0240,17238,1512,0215.0%
2024-0140,41138,4661,9454.8%
2023-1240,05438,4271,6274.1%
2023-1140,38338,9471,4363.6%
2023-1040,62539,2031,4223.5%
2023-0940,91739,5401,3773.4%
2023-0840,11738,6231,4943.7%
2023-0740,22938,8341,3953.5%
2023-0641,65540,3231,3323.2%
2023-0540,88239,5201,3623.3%
2023-0440,59139,3031,2883.2%
2023-0341,05539,3551,7004.1%
2023-0241,01239,0042,0084.9%
2023-0141,17539,3121,8634.5%
2022-1240,32638,8751,4513.6%
2022-1140,21338,9311,2823.2%
2022-1040,57439,4191,1552.8%
2022-0941,16839,9521,2163.0%
2022-0840,29438,8391,4553.6%
2022-0740,69639,2511,4453.6%
2022-0642,12040,7461,3743.3%
2022-0541,24639,9671,2793.1%
2022-0440,66839,2941,3743.4%
2022-0341,49139,7321,7594.2%
2022-0241,43239,4481,9844.8%
2022-0141,74439,8491,8954.5%
2021-1240,79539,4111,3843.4%
2021-1141,15839,7411,4173.4%
2021-1041,11639,6311,4853.6%
2021-0941,95240,3111,6413.9%
2021-0841,00439,0351,9694.8%
2021-0741,47639,3642,1125.1%
2021-0642,87540,6542,2215.2%
2021-0541,77439,7871,9874.8%
2021-0441,56739,3802,1875.3%
2021-0341,71939,0802,6396.3%
2021-0241,89838,9972,9016.9%
2021-0142,24539,4842,7616.5%
2020-1241,98539,5192,4665.9%
2020-1141,74439,5962,1485.1%
2020-1041,89639,7432,1535.1%
2020-0942,80940,3642,4455.7%
2020-0841,56338,6542,9097.0%
2020-0741,89638,2003,6968.8%
2020-0643,46739,2804,1879.6%
2020-0542,53337,0485,48512.9%
2020-0443,01535,7147,30117.0%
2020-0343,12340,5302,5936.0%
2020-0243,57341,1752,3985.5%
2020-0143,89141,5182,3735.4%
2019-1243,38841,3322,0564.7%
2019-1143,37041,6061,7644.1%
2019-1043,46941,8121,6573.8%
2019-0943,87642,3031,5733.6%
2019-0842,59740,8471,7504.1%
2019-0743,17841,4161,7624.1%
2019-0644,14442,5001,6443.7%
2019-0543,11441,5101,6043.7%
2019-0443,02741,2941,7334.0%
2019-0343,04340,8612,1825.1%
2019-0243,31940,9382,3815.5%
2019-0143,91241,5202,3925.4%
2018-1243,25541,2262,0294.7%
2018-1143,26941,6341,6353.8%
2018-1043,19441,5501,6443.8%
2018-0943,74942,1281,6213.7%
2018-0843,71441,9531,7614.0%
2018-0743,78941,9401,8494.2%
2018-0644,09642,1321,9644.5%
2018-0543,05041,1081,9424.5%
2018-0443,15840,9852,1735.0%
2018-0343,22040,6022,6186.1%
2018-0243,38840,4542,9346.8%
2018-0143,74040,7852,9556.8%

BEA Personal Income

2024$5.45B92,015$59K
2023$5.23B92,087$57K
2022$5.09B92,420$55K
2021$5.07B93,099$55K
2020$4.79B93,321$51K
2019$4.43B94,165$47K
2018$4.27B94,839$45K
2017$4.14B95,467$43K
2016$3.94B96,189$41K
2015$3.94B96,889$41K
2014$3.85B97,618$39K
2013$3.78B98,417$38K
2012$3.67B98,620$37K
2011$3.64B98,960$37K
2010$3.55B98,938$36K
2009$3.29B98,949$33K
2008$3.35B98,726$34K
2007$3.16B98,541$32K
2006$3.07B98,473$31K
2005$2.80B98,868$28K
2004$2.65B98,983$27K
2003$2.55B99,191$26K
2002$2.57B99,583$26K
2001$2.73B99,216$28K
2000$2.91B98,764$29K
1999$2.41B98,458$25K
1998$2.27B98,657$23K
1997$2.17B98,907$22K
1996$2.14B99,212$22K
1995$2.05B99,950$20K
1994$1.94B100,634$19K
1993$1.87B100,550$19K
1992$1.84B100,232$18K
1991——$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-31$9K$9K$0Yes
2026-03-31$11K$11K$0Yes
2026-03-31$24K$21K$3KNo
2025-06-09$40K$38K$1KNo
2025-06-09$15K$15K$0Yes
2024-08-11$94K$94K$0Yes
2024-08-09$8K$8K$0Yes
2024-08-09$22K$22K$0Yes
2024-08-09$62K$61K$949.87Yes
2024-08-09$7K$7K$0Yes
2024-08-09$2K$2K$0Yes
2024-08-09$33K$33K$0Yes
2024-08-09$0$0$0Yes
2024-08-09$61K$61K$0Yes
2024-08-09$19K$19K$0Yes
2024-08-09$0$0$0Yes
2024-08-09$77K$77K$0No
2021-11-01$0$0$0Yes
2021-10-31$0$0$0Yes
2021-10-31$9K$9K$0Yes
2021-10-30$29K$29K$0Yes
2021-10-30$3K$2K$579.03Yes
2021-10-30$4K$4K$0Yes
2021-10-30$0$0$0Yes
2021-10-30$6K$6K$0Yes
2021-08-27$3K$3K$0No
2021-08-19$74K$54K$20KYes
2021-08-18$35K$35K$0Yes
2021-08-18$22K$12K$10KYes
2021-08-18$0$0$0Yes
2021-08-18$3K$3K$0Yes
2021-08-18$14K$14K$0Yes
2021-08-18$25K$25K$0Yes
2021-08-18$23K$23K$0Yes
2020-05-17$0$0$0No
2020-05-16$0——Yes
2020-01-13$0——Yes
2019-07-29$13K$13K$0No
2018-09-25$5K$4K$316.42Yes
2018-09-21$0——Yes
2018-08-14$49K$44K$5KYes
2018-08-14$4K$4K$0Yes
2018-01-12$4K$3K$721.65Yes
2017-07-13$8K$8K$0Yes
2016-04-08$3K$3K$0No
2015-06-14$10K$10K$0No
2015-06-14$0——No
2014-06-08$4K$4K$0Yes
2014-06-08$11K$11K$0No
2014-05-16$0——Yes
2014-05-16$9K$9K$91.4Yes
2014-05-16$0——No
2014-05-13$0——Yes
2011-09-02$0——Yes
2011-08-28$0——No
2011-05-10$0——Yes
2011-04-20$5K$5K$0Yes
2011-03-01$0——Yes
2011-02-28$8K$8K$0Yes
2011-02-28$16K$15K$713Yes
2010-08-21$0——Yes
2008-06-13$562.39$0$562.39Yes
2007-03-14$3K$3K$0No
2007-03-02$3K$3K$0Yes
2006-01-13$0——No
2005-06-12$4K$4K$0Yes
2005-04-05$7K$7K$0No
2005-01-14$410.07$0$410.07Yes
2004-09-17$2K$2K$0Yes
2004-09-15$3K$3K$0Yes
2004-09-15$10K$9K$99Yes
2004-09-10$6K$6K$0Yes
2004-09-09$0——Yes
2004-09-09$471.18$471.18$0Yes
2004-09-09$0——Yes
2004-09-09$2K$2K$20No
2004-09-09$2K$2K$0Yes
2004-09-09$14K$8K$7KNo
2004-09-09$2K$2K$0Yes
2004-09-09$28K$22K$6KYes
2004-09-08$24K$24K$0No
2004-08-30$0——Yes
2004-07-19$3K$3K$0Yes
2004-05-20$0——No
2003-11-19$246.99$246.99$0Yes
2003-07-29$1K$1K$0Yes
2003-07-24$0——Yes
2003-07-24$2K$2K$0Yes
2003-07-24$2K$2K$0Yes
2003-07-23$807.87$632.12$175.75Yes
2003-07-23$25K$22K$4KNo
2003-07-23$1K$1K$0No
2003-07-23$683.49$683.49$0No
2003-07-22$5K$5K$0No
2003-07-22$4K$4K$0Yes
2003-07-22$55K$40K$15KYes
2003-07-22$5K$5K$0Yes
2003-07-22$929.85$0$929.85Yes
2003-07-22$21K$12K$9KYes
2003-07-22$2K$2K$0Yes

ALSO CHECKED

18 more data areas were checked for Steuben 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 STEUBEN COUNTY →Opens the loan explorer already filtered to county FIPS 36101.

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.