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State markets/New York/Westchester County

COUNTY MORTGAGE MARKET · FIPS 36119

Westchester County, New York

Who lends in Westchester 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

$8.20B

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

Originations · 2025

12,211

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

Denial rate · 2025

17.7%

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

Lenders active · 2025

337

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

Concentration (HHI)

341

unconcentrated

Top-5 lender share

30.9%

of originations

Purchase

70.1%

6,849 loans

Refinance

29.9%

2,927 loans

Origination trend

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

Lenders in Westchester 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 Westchester 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 WESTCHESTER COUNTY →

TOP TEN LENDERS IN WESTCHESTER COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,093$952.1M$952.1M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
898$452.0M$452.0M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
507$427.0M$427.0M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
521$354.8M$354.8M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
645$348.9M$348.9M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
362$345.9M$345.9M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
577$301.1M$301.1M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
815$278.1M$278.1M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3$259.5M$259.5M originated in Westchester County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
438$230.3M$230.3M originated in Westchester 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 Westchester County

All 78 ZIP Code Tabulation Areas that touch Westchester 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.
78 OF 78 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1717 of the 28 Westchester County tracts this ZIP area touches sit mostly inside it.67,54779.6%7,029——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Westchester County tracts this ZIP area touches sit mostly inside it.49,21032.3%14,100——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 14 Westchester County tracts this ZIP area touches sit mostly inside it.42,45794.9%3,364——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Westchester County tracts this ZIP area touches sit mostly inside it.41,74063.9%6,595——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Westchester County tracts this ZIP area touches sit mostly inside it.41,51282.5%4,994——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Westchester County tracts this ZIP area touches sit mostly inside it.37,97776.1%5,694——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Westchester County tracts this ZIP area touches sit mostly inside it.37,13455.8%8,447——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.32,70624.3%10,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Westchester County tracts this ZIP area touches sit mostly inside it.29,68648.2%6,211——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Westchester County tracts this ZIP area touches sit mostly inside it.29,24656.1%7,078——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Westchester County tracts this ZIP area touches sit mostly inside it.27,99650.8%5,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.25,43169.6%4,801——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.23,83936.4%6,594——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.23,21573.5%4,003——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 13 Westchester County tracts this ZIP area touches sit mostly inside it.21,83532.2%6,709——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.20,31820.4%4,903——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.20,15140.6%4,058——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.19,48021.7%5,255——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Westchester County tracts this ZIP area touches sit mostly inside it.19,04864.7%3,288——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.18,82866.0%4,422——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.18,18160.9%4,215——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Westchester County tracts this ZIP area touches sit mostly inside it.17,82963.1%3,203——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.17,10630.1%4,926——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.15,39133.6%4,302——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.13,93546.8%3,468——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.13,60624.3%3,626——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.13,19622.4%3,703——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.13,07831.0%3,276——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.12,98723.4%3,758——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.12,84842.6%4,559——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.12,63768.8%2,018——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.12,60896.1%2,576——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.11,97349.0%2,178——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.11,54132.9%2,104——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.11,26029.0%2,792——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Westchester County tracts this ZIP area touches sit mostly inside it.11,22733.2%2,048——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.10,80917.3%3,138——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 10 Westchester County tracts this ZIP area touches sit mostly inside it.10,34229.6%2,467——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.10,00716.7%3,177——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.9,31622.6%2,266——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Westchester County tracts this ZIP area touches sit mostly inside it.9,23317.0%3,195——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.8,59025.8%2,279——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.8,03932.7%2,023——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.7,41212.6%2,985——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.7,02376.3%1,450——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.6,65222.9%1,671——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 7 Westchester County tracts this ZIP area touches sit mostly inside it.5,64933.0%1,218——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.5,59454.0%836——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Westchester County tracts this ZIP area touches sit mostly inside it.5,38737.3%1,142——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Westchester County tracts this ZIP area touches sit mostly inside it.5,24318.6%1,480——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Westchester County tracts this ZIP area touches sit mostly inside it.5,14435.6%1,176——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.5,09136.3%1,214——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 9 Westchester County tracts this ZIP area touches sit mostly inside it.5,08483.8%882——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Westchester County tracts this ZIP area touches sit mostly inside it.5,08216.1%1,682——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Westchester County tracts this ZIP area touches sit mostly inside it.4,65922.1%1,252——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Westchester County tracts this ZIP area touches sit mostly inside it.4,64316.8%1,347——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Westchester County tracts this ZIP area touches sit mostly inside it.4,62518.3%1,413——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Westchester County tract this ZIP area touches sit mostly inside it.3,67320.1%940——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Westchester County tract this ZIP area touches sit mostly inside it.3,03219.3%985——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Westchester County tracts this ZIP area touches sit mostly inside it.2,30235.8%592——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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 Westchester 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.

241 of Westchester County’s 241 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 Westchester County

All 241 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.

241 OF 241 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low48.0%5,73196.1%OPEN →
Low39.8%5,85094.5%OPEN →
Upper292.4%1,01673.0%OPEN →
Middle100.4%3,90582.9%OPEN →
Middle99.2%3,36566.8%OPEN →
Moderate56.8%4,10896.7%OPEN →
Moderate70.7%3,92894.8%OPEN →
Low46.9%4,63896.3%OPEN →
Moderate76.6%6,05988.5%OPEN →
Moderate69.5%3,74096.7%OPEN →
Moderate75.0%2,23991.3%OPEN →
Moderate58.0%2,47795.7%OPEN →
Low20.3%3,54496.9%OPEN →
Moderate60.1%2,87888.0%OPEN →
Middle84.1%4,47887.5%OPEN →
Upper140.7%3,45559.2%OPEN →
Upper136.5%5,27269.4%OPEN →
Middle117.1%5,95054.0%OPEN →
Middle113.6%2,64667.3%OPEN →
Upper132.4%4,78667.8%OPEN →
Upper136.5%3,60760.2%OPEN →
Low28.3%1,82090.3%OPEN →
Low43.1%3,90794.1%OPEN →
Moderate72.5%5,59887.0%OPEN →
Moderate62.2%5,33689.9%OPEN →
Upper153.4%3,88372.8%OPEN →
Moderate64.6%4,10185.9%OPEN →
Moderate58.3%3,63091.6%OPEN →
Moderate57.6%3,50593.7%OPEN →
Upper145.5%4,24447.1%OPEN →
Upper124.4%2,00335.5%OPEN →
Middle107.5%3,35356.4%OPEN →
Upper129.3%3,18940.5%OPEN →
Middle104.2%3,16729.1%OPEN →
Middle115.1%5,02044.0%OPEN →
Upper124.0%2,19462.9%OPEN →
Moderate63.6%4,10568.0%OPEN →
Middle102.6%3,91354.3%OPEN →
Middle112.8%3,12540.1%OPEN →
Upper177.3%1,80389.3%OPEN →
Upper171.9%1,75349.9%OPEN →
Upper129.8%4,54545.6%OPEN →
Upper121.8%4,03552.0%OPEN →
Upper247.5%3,25815.7%OPEN →
Upper128.3%5,29053.9%OPEN →
Upper162.9%1,92632.1%OPEN →
Middle97.9%2,60284.8%OPEN →
Middle119.9%1,59257.0%OPEN →
Upper183.4%2,37436.7%OPEN →
Upper188.9%4,70926.5%OPEN →
Middle90.4%1,64544.8%OPEN →
Upper135.0%5,14432.0%OPEN →
Upper191.5%3,93043.0%OPEN →
Upper140.4%1,90849.4%OPEN →
Middle89.7%3,41854.7%OPEN →
Middle89.4%5,89157.2%OPEN →
Upper149.8%2,92456.5%OPEN →
Middle89.2%3,05749.0%OPEN →
Middle110.0%4,34997.5%OPEN →
Middle93.2%3,75799.0%OPEN →
Moderate66.3%2,73299.0%OPEN →
Low37.6%4,27399.1%OPEN →
Middle86.8%3,22898.0%OPEN →
Low42.8%3,21196.4%OPEN →
Middle85.9%2,95497.5%OPEN →
—0.0%3,99398.3%OPEN →
Middle116.6%4,91296.8%OPEN →
Moderate57.0%2,35495.2%OPEN →
Low38.6%4,49992.0%OPEN →
Middle117.7%4,30785.2%OPEN →
Middle93.4%3,34263.9%OPEN →
Middle108.3%3,80166.2%OPEN →
Moderate65.3%3,83493.8%OPEN →
Middle116.3%2,95987.6%OPEN →
Upper131.9%3,70393.0%OPEN →
Upper155.7%4,87981.7%OPEN →
Upper148.5%1,54855.1%OPEN →
Upper185.5%3,15523.9%OPEN →
Upper292.4%3,50116.5%OPEN →
Upper176.3%3,69334.3%OPEN →
Middle118.4%3,39137.8%OPEN →
Upper152.6%3,27526.6%OPEN →
Upper211.9%3,73828.0%OPEN →
Upper246.3%4,57219.3%OPEN →
Upper170.1%4,33728.5%OPEN →
Upper268.6%4,97917.5%OPEN →
Upper175.6%5,35541.9%OPEN →
Upper292.4%1,97122.5%OPEN →
Upper264.7%5,75223.7%OPEN →
—0.0%——OPEN →
Middle101.8%3,26655.6%OPEN →
Upper132.3%3,29152.5%OPEN →
Moderate71.1%3,17252.9%OPEN →
Middle106.2%4,18176.0%OPEN →
Moderate72.9%5,13876.3%OPEN →
Upper137.7%5,65452.9%OPEN →
Middle117.5%4,33565.9%OPEN →
Middle101.9%4,09975.7%OPEN →
Moderate71.6%5,79684.7%OPEN →
Middle104.4%3,71387.8%OPEN →
—0.0%3,11485.7%OPEN →
Middle116.6%5,50485.9%OPEN →
Middle92.5%5,76276.3%OPEN →
Upper185.1%6,40639.5%OPEN →
Upper290.0%5,21422.8%OPEN →
Upper204.1%5,59523.9%OPEN →
Upper264.7%5,48626.2%OPEN →
Upper292.4%6,24925.0%OPEN →
Upper292.4%6,60119.6%OPEN →
Upper263.1%6,63020.7%OPEN →
Upper180.8%7,02234.6%OPEN →
Upper133.3%5,25657.1%OPEN →
Upper132.5%4,84942.0%OPEN →
Upper195.1%3,02423.4%OPEN →
Upper292.4%5,05620.6%OPEN →
Upper292.4%6,55517.0%OPEN →
Upper243.6%4,98127.8%OPEN →
Moderate73.1%4,76188.8%OPEN →
Middle81.2%3,62079.4%OPEN →
Middle94.3%5,08985.2%OPEN →
Moderate62.6%5,96389.2%OPEN →
Middle113.1%5,02672.9%OPEN →
Upper140.8%7,40146.3%OPEN →
Upper153.5%2,77951.8%OPEN →
Upper242.7%7,10119.3%OPEN →
Upper292.4%2,23317.2%OPEN →
Upper152.8%3,88336.7%OPEN →
Upper146.5%5,11137.6%OPEN →
Upper292.4%3,72616.2%OPEN →
Upper253.4%5,38737.3%OPEN →
Middle112.9%5,74536.3%OPEN →
Upper130.4%2,03178.6%OPEN →
Upper136.5%2,63755.3%OPEN →
Upper145.9%5,67651.7%OPEN →
Middle108.1%3,82766.7%OPEN →
Middle109.8%4,19964.6%OPEN →
Middle92.9%5,81178.8%OPEN →
Upper157.6%4,26571.6%OPEN →
Moderate73.7%3,21282.0%OPEN →
Low39.1%3,67972.1%OPEN →
Moderate76.0%4,29069.7%OPEN →
Upper141.0%5,17555.7%OPEN →
Upper216.6%4,54121.7%OPEN →
Upper203.3%3,10024.5%OPEN →
Upper174.4%2,82621.4%OPEN →
Upper248.3%4,29021.4%OPEN →
Upper292.4%4,81531.1%OPEN →
Upper292.4%3,12627.9%OPEN →
Upper292.4%5,61632.5%OPEN →
Upper292.4%4,69638.6%OPEN →
Upper260.6%5,27323.3%OPEN →
Upper165.3%3,31729.7%OPEN →
Upper204.6%3,91332.7%OPEN →
Upper184.2%7,62833.0%OPEN →
Upper288.1%5,09136.3%OPEN →
Upper292.4%6,37243.4%OPEN →
Upper270.5%5,47943.1%OPEN →
Upper184.9%3,38143.1%OPEN →
Upper188.1%3,77047.2%OPEN →
Upper186.5%2,59141.4%OPEN →
Upper175.2%2,36848.6%OPEN →
Upper162.3%5,93872.0%OPEN →
Upper122.6%5,08483.8%OPEN →
Upper146.6%2,47375.3%OPEN →
Upper176.0%6,55149.4%OPEN →
Upper246.3%3,10637.4%OPEN →
Upper124.5%4,55076.9%OPEN →
Upper240.5%6,65222.9%OPEN →
Upper214.5%4,30231.0%OPEN →
Upper239.6%2,17239.0%OPEN →
Upper141.5%5,38649.4%OPEN →
Moderate79.5%3,18884.0%OPEN →
Middle89.8%3,43178.7%OPEN →
Upper204.5%2,96625.4%OPEN →
Upper292.4%6,72224.8%OPEN →
Upper155.9%4,52828.0%OPEN →
Upper152.3%4,62518.3%OPEN →
Upper242.0%5,68317.1%OPEN →
Upper227.6%4,65922.1%OPEN →
Upper267.2%3,18025.1%OPEN →
Upper190.2%4,33327.5%OPEN →
Upper128.3%2,40151.2%OPEN →
Upper272.5%5,11417.8%OPEN →
Upper292.4%4,89315.4%OPEN →
Upper246.3%5,08216.1%OPEN →
Upper292.4%3,03219.3%OPEN →
Upper213.5%5,56117.0%OPEN →
Upper177.1%3,67217.1%OPEN →
Upper213.9%4,52918.3%OPEN →
Upper273.4%4,64316.8%OPEN →
Upper190.8%2,97621.2%OPEN →
Middle93.7%4,12349.3%OPEN →
Middle91.1%4,38965.4%OPEN →
Upper175.4%6,57045.8%OPEN →
Upper292.4%6,39026.6%OPEN →
Upper238.7%5,32427.2%OPEN →
Upper292.4%6,59720.3%OPEN →
Upper292.4%3,75323.1%OPEN →
Upper165.7%3,13124.6%OPEN →
Upper122.2%3,99178.3%OPEN →
Middle105.8%5,39177.7%OPEN →
Middle113.0%3,20862.8%OPEN →
Middle111.5%4,21364.4%OPEN →
Middle113.5%4,06053.3%OPEN →
Upper124.4%5,32162.2%OPEN →
Upper173.5%5,62631.0%OPEN →
Upper212.2%3,38422.4%OPEN →
Upper177.9%4,94330.5%OPEN →
Upper137.8%2,30235.8%OPEN →
Middle94.1%6,52567.8%OPEN →
Moderate65.3%3,99473.3%OPEN →
Moderate76.0%4,24086.9%OPEN →
Upper125.0%5,94273.3%OPEN →
Upper133.2%4,73049.1%OPEN →
Upper145.9%4,36332.8%OPEN →
Upper125.8%2,93334.2%OPEN →
Upper225.0%5,96423.2%OPEN →
Upper173.8%4,44735.4%OPEN →
Upper121.9%4,97742.3%OPEN →
Upper151.0%6,28741.6%OPEN →
Upper123.7%2,16446.6%OPEN →
Upper213.2%4,44923.4%OPEN →
Upper182.5%6,59127.1%OPEN →
Upper172.5%3,38223.1%OPEN →
Upper136.3%6,25526.0%OPEN →
Upper130.6%2,11718.3%OPEN →
Upper180.4%5,73624.6%OPEN →
Upper134.3%4,32429.3%OPEN →
Upper125.0%3,71536.7%OPEN →
Upper292.4%6,28016.7%OPEN →
Upper175.3%4,00611.4%OPEN →
Upper186.6%4,17621.8%OPEN →
Upper252.5%3,67320.1%OPEN →
Upper185.9%3,40614.0%OPEN →
Upper214.6%5,24318.6%OPEN →
Upper165.0%5,25855.7%OPEN →
Moderate72.4%1,12153.4%OPEN →
—0.0%——OPEN →
—0.0%1,47167.2%OPEN →
Middle87.9%78150.8%OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

999,677

Median household income

$118,976

Median home value

$663,200

Median gross rent

$1,951

per month

Owner-occupied

61.8%

of occupied units

Housing units

394,358

5.4% vacant

Poverty rate

9.0%

Unemployment

6.1%

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 High

score 96.2

Social vulnerability

Relatively Moderate

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Hurricane Relatively High · Strong wind Very High · Winter weather Very High

Federal disaster history

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

Months with an active declaration

82

Declarations recorded

32

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

Everything we hold on Westchester 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 Westchester County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Westchester County →Every reported application and origination in FIPS 36119, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Westchester 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

97

—

Purchase share

48.5%

47 loans

IRRRL refinances

34

Cash-out refinances

16

202697—473416
2025108—671625
202495—72320
202393—69024
2022——1045751
2021432—11922786
2020316—10913671
2019163—1031347
2018191—1161659
2017244—1294372
2016271—1434484
2015184—1043842

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 Westchester 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

Westchester 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

287

+7.1% vs 2024

Multifamily · 2025

709

−46.5% vs 2024

Total authorized · 2025

996

−37.4% vs 2024

Permit valuation · 2025

$362M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K1990199219941996199820002002200420062008201020122014201620182020202220242025996 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 Westchester County, showing population movement and wealth transfer.

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

inflow2223Bronx County, NY5,1188,951$357.8M
inflow2223New York County, NY2,9705,190$854.1M
outflow2223New York County, NY2,5423,406$587.3M
outflow2223Bronx County, NY2,2323,707$119.8M
outflow2223Western Connecticut Planning Regi, CT2,0053,499$420.3M
inflow2223Queens County, NY1,5012,517$184.7M
inflow2223Kings County, NY1,3712,456$285.2M
outflow2223Other flows - South, DS1,2132,068$108.6M
inflow2223Other flows - South, DS1,0601,633$98.8M
outflow2223Putnam County, NY1,0481,890$93.9M
outflow2223Dutchess County, NY9571,693$92.2M
outflow2223Kings County, NY9421,219$86.0M
inflow2223Western Connecticut Planning Regi, CT9171,475$176.7M
outflow2223Queens County, NY8061,203$61.8M
inflow2223Putnam County, NY6231,026$63.4M
outflow2223Orange County, NY538978$44.5M
outflow2223Rockland County, NY529995$53.9M
inflow2223Nassau County, NY495762$83.7M
inflow2223Other flows - Northeast, DS494742$54.0M
outflow2223Other flows - West, DS478735$68.2M
outflow2223Palm Beach County, FL457785$241.4M
inflow2223Dutchess County, NY422638$43.8M
inflow2223Rockland County, NY417615$41.4M
outflow2223Bergen County, NJ412716$54.8M
outflow2223Other flows - Midwest, DS393674$34.3M
outflow2223Foreign - Overseas, FR378690$76.0M
outflow2223Other flows - Northeast, DS374606$42.9M
outflow2223Greater Bridgeport Planning Regio, CT368736$35.0M
inflow2223Other flows - Midwest, DS356584$40.3M
inflow2223Suffolk County, NY353551$121.1M
outflow2223Suffolk County, NY349574$80.8M
inflow2223Other flows - West, DS345522$43.2M
outflow2223Nassau County, NY338530$43.9M
inflow2223Orange County, NY332532$26.5M
inflow2223Hudson County, NJ328571$85.4M
outflow2223Hudson County, NJ318420$37.3M
outflow2223Los Angeles County, CA313414$40.7M
inflow2223Bergen County, NJ299489$37.9M
outflow2223Naugatuck Valley Planning Region, CT285534$19.0M
outflow2223Broward County, FL251403$32.1M
outflow2223South Central Connecticut Plannin, CT236402$19.8M
inflow2223Los Angeles County, CA232336$40.9M
outflow2223Miami-Dade County, FL209326$71.4M
outflow2223Middlesex County, MA205282$23.6M
outflow2223Suffolk County, MA187207$24.5M
outflow2223Essex County, NJ181315$19.9M
inflow2223Palm Beach County, FL168233$23.6M
outflow2223Mecklenburg County, NC159240$15.2M
outflow2223Philadelphia County, PA156192$11.3M
outflow2223Capitol Planning Region, CT153231$13.2M
outflow2223Cook County, IL149182$13.5M
inflow2223Foreign - Overseas, FR147322$44.6M
outflow2223District of Columbia, DC144165$9.8M
outflow2223Orange County, FL144260$9.4M
outflow2223Hillsborough County, FL139228$15.4M
inflow2223Greater Bridgeport Planning Regio, CT129228$8.6M
outflow2223Albany County, NY123174$12.0M
inflow2223Broward County, FL115161$8.0M
outflow2223Middlesex County, NJ113206$11.1M
inflow2223Middlesex County, MA110160$14.8M
inflow2223Essex County, NJ109172$10.5M
outflow2223San Diego County, CA107149$9.6M
outflow2223Harris County, TX105206$18.9M
outflow2223Passaic County, NJ103176$8.1M
inflow2223Miami-Dade County, FL102156$21.8M
outflow2223Travis County, TX102136$10.0M
outflow2223Wake County, NC102189$9.9M
inflow2223Suffolk County, MA102140$16.9M
inflow2223Richmond County, NY101152$8.5M
inflow2223Philadelphia County, PA101151$11.1M
inflow2223Middlesex County, NJ99147$8.5M
outflow2223Ulster County, NY96131$9.4M
inflow2223South Central Connecticut Plannin, CT96129$7.5M
outflow2223St. Lucie County, FL92148$18.1M
inflow2223Naugatuck Valley Planning Region, CT92153$6.6M
inflow2223Cook County, IL90137$19.6M
outflow2223Union County, NJ90152$11.3M
outflow2223Monmouth County, NJ88140$31.4M
outflow2223Morris County, NJ86144$9.8M
outflow2223Fulton County, GA86123$8.1M
outflow2223Maricopa County, AZ85129$9.0M
outflow2223Sarasota County, FL85144$25.2M
outflow2223King County, WA84124$13.9M
outflow2223Horry County, SC80138$10.7M
outflow2223Denver County, CO8092$9.0M
outflow2223Collier County, FL79128$13.7M
inflow2223Ulster County, NY79122$8.9M
inflow2223Capitol Planning Region, CT77125$10.8M
inflow2223Harris County, TX77136$11.6M
outflow2223Lee County, FL77125$24.2M
outflow2223Dallas County, TX75138$8.1M
inflow2223Passaic County, NJ74109$3.0M
outflow2223San Francisco County, CA7498$10.4M
inflow2223Orange County, FL73119$4.3M
outflow2223Osceola County, FL73145$5.0M
inflow2223District of Columbia, DC7194$7.5M
outflow2223Polk County, FL69125$5.5M
outflow2223Montgomery County, MD68106$10.4M
outflow2223Pinellas County, FL68107$9.4M
inflow2223Maricopa County, AZ66107$8.4M
outflow2223Pasco County, FL66107$5.8M
outflow2223Monroe County, NY63101$6.5M
outflow2223Erie County, NY6394$3.3M
outflow2223Providence County, RI6189$4.9M
inflow2223San Diego County, CA6190$6.5M
inflow2223Albany County, NY6084$4.1M
outflow2223Lehigh County, PA60131$4.2M
outflow2223Santa Clara County, CA5884$9.9M
inflow2223San Francisco County, CA58103$16.6M
inflow2223Erie County, NY5889$4.5M
outflow2223Norfolk County, MA5784$8.1M
outflow2223Montgomery County, PA5681$15.8M
inflow2223Union County, NJ5679$6.9M
outflow2223Clark County, NV5675$4.6M
outflow2223Onondaga County, NY5676$3.3M
outflow2223Manatee County, FL5588$9.8M
outflow2223Saratoga County, NY5495$4.5M
outflow2223Fairfax County, VA5491$6.1M
outflow2223Prince George's County, MD5477$3.9M
outflow2223Charleston County, SC53101$10.3M
outflow2223Arlington County, VA5255$3.4M
inflow2223Morris County, NJ5276$13.8M
outflow2223Duval County, FL5281$3.6M
outflow2223DeKalb County, GA5293$5.7M
outflow2223Alameda County, CA5170$7.3M
outflow2223Gwinnett County, GA51109$4.2M
inflow2223Hillsborough County, FL5183$3.0M
outflow2223Volusia County, FL5183$4.6M
inflow2223Monmouth County, NJ5069$3.8M
outflow2223Monroe County, PA5084$3.5M
outflow2223Sullivan County, NY5084$5.2M
inflow2223Montgomery County, MD4982$12.1M
outflow2223Southeastern Connecticut Planning, CT4979$5.0M
outflow2223Orange County, CA4986$7.6M
inflow2223Travis County, TX4975$9.2M
outflow2223New Castle County, DE4882$4.4M
outflow2223Ocean County, NJ4867$5.0M
outflow2223Richmond County, NY4782$3.6M
outflow2223Essex County, MA4774$2.2M
outflow2223Sussex County, DE4788$13.9M
outflow2223Luzerne County, PA4686$4.3M
outflow2223Davidson County, TN4665$5.9M
outflow2223Northwest Hills Planning Region, CT4578$8.0M
inflow2223Foreign - Puerto Rico, FR4454$814K
inflow2223King County, WA4469$10.3M
outflow2223St. Johns County, FL44111$7.5M
outflow2223Brevard County, FL4362$3.0M
inflow2223Norfolk County, MA4257$6.8M
inflow2223Wake County, NC4277$4.5M
outflow2223Collin County, TX4292$6.0M
outflow2223Baltimore city, MD4149$2.3M
inflow2223Fairfax County, VA4057$5.1M
outflow2223Worcester County, MA4067$3.3M
outflow2223Somerset County, NJ3966$5.3M
outflow2223Rensselaer County, NY3950$3.2M
inflow2223Denver County, CO3848$3.7M
inflow2223Alameda County, CA3864$7.6M
outflow2223Lower Connecticut River Valley Pl, CT3772$8.2M
inflow2223Mecklenburg County, NC3760$5.3M
outflow2223Camden County, NJ3773$3.1M
outflow2223Fort Bend County, TX3796$4.5M
inflow2223Santa Clara County, CA3676$14.5M
inflow2223Sullivan County, NY3670$5.1M
outflow2223Brunswick County, NC3565$4.8M
outflow2223Seminole County, FL3562$3.0M
outflow2223Dauphin County, PA3464$1.3M
outflow2223Foreign - Puerto Rico, FR3451$1.2M
inflow2223Montgomery County, PA3455$3.8M
outflow2223Broome County, NY3356$1.9M
outflow2223Denton County, TX3358$4.8M
outflow2223Tarrant County, TX3362$3.5M
outflow2223Northampton County, PA3357$1.8M
outflow2223Allegheny County, PA3342$4.9M
inflow2223Pinellas County, FL3240$1.8M
inflow2223Gwinnett County, GA3259$1.7M
inflow2223Onondaga County, NY3142$1.7M
inflow2223Orange County, CA3150$5.8M
outflow2223Mercer County, NJ3161$3.2M
inflow2223Monroe County, NY3042$1.8M
inflow2223Collier County, FL3044$5.3M
inflow2223Franklin County, OH3051$4.3M
inflow2223Dallas County, TX3038$2.9M
outflow2223Franklin County, OH3040$1.7M
outflow2223Durham County, NC3043$4.5M
outflow2223Martin County, FL3050$4.1M
outflow2223Jefferson County, CO3048$4.1M
inflow2223Osceola County, FL3061$1.6M
outflow2223Pike County, PA2958$3.3M
outflow2223Kent County, DE2954$1.7M
outflow2223Baltimore County, MD2953$2.0M
outflow2223Columbia County, NY2947$9.4M
outflow2223Multnomah County, OR2937$2.3M
inflow2223Sarasota County, FL2944$4.2M
inflow2223Clark County, NV2943$1.9M
inflow2223Cuyahoga County, OH2842$1.9M
inflow2223Luzerne County, PA2837$1.3M
outflow2223Indian River County, FL2839$13.2M
outflow2223Lake County, FL2854$3.9M
outflow2223Hennepin County, MN2848$3.4M
outflow2223Sussex County, NJ2857$3.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Westchester County.

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

2023PurchaseNo CharacteristicAll Appraisals3,475.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals835.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals4,310.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals823,000.0
2023BothNo CharacteristicAll Appraisals814,000.0
2023PurchaseNo CharacteristicAll Appraisals810,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals815,000.0
2022PurchaseNo CharacteristicAll Appraisals0.5
2022PurchaseNo CharacteristicAll Appraisals820,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,026.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.4
2022RefinanceNo CharacteristicAll Appraisals804,000.0
2022BothNo CharacteristicAll Appraisals6,738.0
2022PurchaseNo CharacteristicAll Appraisals4,712.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals850,000.0
2021BothNo CharacteristicAll Appraisals12,881.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals6,013.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021RefinanceNo CharacteristicAll Appraisals6,868.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals815,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals775,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals13,559.0
2020PurchaseNo CharacteristicAll Appraisals5,727.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2020BothNo CharacteristicAll Appraisals740,000.0
2020RefinanceNo CharacteristicAll Appraisals760,000.0
2020RefinanceNo CharacteristicAll Appraisals7,832.0
2020PurchaseNo CharacteristicAll Appraisals719,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals680,000.0
2019PurchaseNo CharacteristicAll Appraisals4,839.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals720,000.0
2019BothNo CharacteristicAll Appraisals9,674.0
2019RefinanceNo CharacteristicAll Appraisals4,835.0
2019PurchaseNo CharacteristicAll Appraisals650,000.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2018RefinanceNo CharacteristicAll Appraisals645,000.0
2018BothNo CharacteristicAll Appraisals7,283.0
2018PurchaseNo CharacteristicAll Appraisals4,625.0
2018RefinanceNo CharacteristicAll Appraisals2,658.0
2018BothNo CharacteristicAll Appraisals646,000.0
2018PurchaseNo CharacteristicAll Appraisals650,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals615,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.4
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals8,104.0
2017PurchaseNo CharacteristicAll Appraisals4,685.0
2017PurchaseNo CharacteristicAll Appraisals640,000.0
2017RefinanceNo CharacteristicAll Appraisals3,419.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017BothNo CharacteristicAll Appraisals630,000.0
2016PurchaseNo CharacteristicAll Appraisals4,208.0
2016RefinanceNo CharacteristicAll Appraisals625,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals575,000.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals605,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016BothNo CharacteristicAll Appraisals9,724.0
2016RefinanceNo CharacteristicAll Appraisals5,516.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals580,000.0
2015PurchaseNo CharacteristicAll Appraisals0.4
2015RefinanceNo CharacteristicAll Appraisals613,000.0
2015BothNo CharacteristicAll Appraisals8,737.0
2015RefinanceNo CharacteristicAll Appraisals4,647.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.5
2015PurchaseNo CharacteristicAll Appraisals4,090.0
2015BothNo CharacteristicAll Appraisals600,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals570,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05540,338520,98919,3493.6%
2026-04538,707520,68518,0223.3%
2026-03543,088523,53519,5533.6%
2026-02541,983519,27622,7074.2%
2026-01541,994522,27119,7233.6%
2025-12539,678522,74416,9343.1%
2025-11541,701523,89417,8073.3%
2025-09538,317519,03419,2833.6%
2025-08538,412517,59320,8193.9%
2025-07541,567521,36220,2053.7%
2025-06538,430521,07817,3523.2%
2025-05532,868516,97415,8943.0%
2025-04534,707519,72614,9812.8%
2025-03542,439524,49617,9433.3%
2025-02539,312519,33919,9733.7%
2025-01538,437519,87918,5583.4%
2024-12535,277519,46415,8133.0%
2024-11538,211522,01916,1923.0%
2024-10537,279521,05716,2223.0%
2024-09540,110524,12315,9873.0%
2024-08540,750520,80019,9503.7%
2024-07546,183526,14620,0373.7%
2024-06540,252522,79217,4603.2%
2024-05533,866517,56916,2973.1%
2024-04535,028519,53715,4912.9%
2024-03538,264520,06318,2013.4%
2024-02535,584515,65719,9273.7%
2024-01534,757516,12718,6303.5%
2023-12533,999517,09116,9083.2%
2023-11540,991524,26316,7283.1%
2023-10536,991519,38317,6083.3%
2023-09540,391523,32317,0683.2%
2023-08542,490523,23219,2583.5%
2023-07544,914527,58317,3313.2%
2023-06540,477524,80715,6702.9%
2023-05533,290518,88414,4062.7%
2023-04531,212518,82012,3922.3%
2023-03535,245520,06215,1832.8%
2023-02530,930513,88917,0413.2%
2023-01527,968511,65116,3173.1%
2022-12526,909513,60713,3022.5%
2022-11528,041514,50213,5392.6%
2022-10528,475515,13413,3412.5%
2022-09528,774514,37214,4022.7%
2022-08533,742515,54718,1953.4%
2022-07535,952518,42617,5263.3%
2022-06531,350515,40315,9473.0%
2022-05524,610510,22114,3892.7%
2022-04520,976506,72914,2472.7%
2022-03523,300506,35716,9433.2%
2022-02517,847498,92818,9193.7%
2022-01515,693497,55718,1363.5%
2021-12512,124498,04714,0772.7%
2021-11512,724496,57316,1513.2%
2021-10510,219492,24617,9733.5%
2021-09508,843489,02919,8143.9%
2021-08511,239487,09224,1474.7%
2021-07515,900490,29425,6065.0%
2021-06509,753483,73926,0145.1%
2021-05501,840478,43823,4024.7%
2021-04501,865476,40725,4585.1%
2021-03504,212475,25828,9545.7%
2021-02499,919468,50431,4156.3%
2021-01498,513468,26630,2476.1%
2020-12489,781461,72528,0565.7%
2020-11490,291462,89927,3925.6%
2020-10491,672462,04729,6256.0%
2020-09492,150454,67137,4797.6%
2020-08500,131457,93442,1978.4%
2020-07503,995450,96553,03010.5%
2020-06496,379441,97254,40711.0%
2020-05494,278432,28161,99712.5%
2020-04486,828412,16874,66015.3%
2020-03519,030495,82523,2054.5%
2020-02520,708500,73019,9783.8%
2020-01521,362501,66319,6993.8%
2019-12515,445497,41318,0323.5%
2019-11517,193499,66517,5283.4%
2019-10513,980496,08117,8993.5%
2019-09513,928496,47517,4533.4%
2019-08515,073494,53320,5404.0%
2019-07519,030498,80720,2233.9%
2019-06511,585494,08117,5043.4%
2019-05508,169492,00616,1633.2%
2019-04506,113490,58315,5303.1%
2019-03509,085490,91018,1753.6%
2019-02504,390485,16519,2253.8%
2019-01503,833484,91118,9223.8%
2018-12502,882485,77617,1063.4%
2018-11504,036487,97116,0653.2%
2018-10503,391486,70016,6913.3%
2018-09503,219486,30716,9123.4%
2018-08502,963482,92520,0384.0%
2018-07510,272489,90820,3644.0%
2018-06507,077487,52919,5483.9%
2018-05500,381482,99817,3833.5%
2018-04497,896479,66118,2353.7%
2018-03498,668477,89020,7784.2%
2018-02494,461471,11823,3434.7%
2018-01493,855471,60922,2464.5%

BEA Personal Income

2024$137.30B1,006,447$136K
2023$130.72B996,926$131K
2022$122.51B993,488$123K
2021$120.22B1,000,036$120K
2020$110.26B1,001,489$110K
2019$105.97B1,002,976$106K
2018$102.21B999,708$102K
2017$98.19B997,084$98K
2016$91.78B993,783$92K
2015$88.93B988,474$90K
2014$85.80B983,034$87K
2013$82.16B976,839$84K
2012$83.09B968,129$86K
2011$75.81B961,082$79K
2010$72.32B951,690$76K
2009$70.39B944,201$75K
2008$74.49B937,449$79K
2007$73.01B933,414$78K
2006$67.46B931,426$72K
2005$61.43B933,401$66K
2004$57.52B935,457$61K
2003$53.02B935,799$57K
2002$51.80B935,219$55K
2001$52.84B931,577$57K
2000$52.66B925,511$57K
1999$49.27B918,532$54K
1998$45.98B911,628$50K
1997$42.13B905,632$47K
1996$39.18B902,174$43K
1995$36.58B897,945$41K
1994$33.96B893,531$38K
1993$33.16B890,061$37K
1992$32.51B885,146$37K
1991——$34K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-31$0$0$0No
2026-02-09$0$0$0No
2025-10-30$19K$19K$0No
2025-10-30$30K$30K$0No
2025-10-30$34K$34K$0No
2025-10-30$0$0$0No
2025-10-30$35K$35K$0No
2025-10-30$24K$24K$0No
2025-10-30$0$0$0No
2025-10-30$9K$9K$0No
2025-10-30$0$0$0No
2025-10-30$23K$23K$0No
2025-10-30$7K$7K$0Yes
2025-10-30$31K$31K$0No
2025-10-30$0$0$0No
2025-10-30$0$0$0No
2025-09-09$0——Yes
2025-08-13$0——Yes
2025-07-30$23K$23K$0Yes
2025-07-14$23K$23K$0No
2025-07-14$18K$18K$0Yes
2025-07-14$13K$13K$0Yes
2025-07-14$0$0$0No
2025-07-14$15K$15K$0No
2025-07-14$0$0$0No
2025-07-14$27K$26K$545.78Yes
2025-07-14$28K$28K$0No
2025-07-14$110K$110K$0No
2025-07-14$3K$3K$0Yes
2025-07-14$85K$65K$20KYes
2025-07-14$21K$21K$0No
2025-07-14$0$0$0Yes
2025-07-14$67K$67K$0No
2025-07-14$12K$12K$0Yes
2025-07-14$0——No
2025-07-14$24K$19K$5KYes
2025-07-14$3K$3K$0Yes
2025-07-14$0$0$0No
2025-07-14$16K$16K$0Yes
2025-07-14$37K$36K$1KYes
2025-07-14$47K$36K$12KYes
2025-07-14$51K$51K$0Yes
2025-07-14$29K$29K$0No
2025-07-14$9K$9K$0Yes
2025-07-14$92K$78K$15KYes
2025-07-14$0$0$0No
2025-07-14$18K$18K$0Yes
2025-07-14$6K$6K$0Yes
2025-07-14$131K$131K$0No
2025-07-14$117K$117K$0No
2025-07-14$26K$26K$0Yes
2025-07-14$87K$63K$24KYes
2025-07-14$0——Yes
2025-07-14$23K$23K$0Yes
2025-07-14$0$0$0No
2025-07-14$92K$92K$0No
2025-07-14$21K$21K$0No
2025-07-14$0——Yes
2025-07-14$40K$40K$0Yes
2025-07-14$26K$26K$0Yes
2025-07-14$0$0$0No
2025-07-14$4K$4K$0No
2025-07-14$0$0$0Yes
2025-07-14$21K$21K$0No
2025-07-14$156K$156K$0No
2025-07-14$20K$20K$0Yes
2025-07-14$4K$4K$0Yes
2025-07-14$0——No
2025-07-14$9K$9K$0No
2025-07-14$0$0$0No
2025-05-09$10K$10K$0Yes
2024-08-31$0$0$0Yes
2024-08-19$0$0$0No
2024-08-19$0——No
2024-08-18$3K$3K$0No
2024-08-18$0$0$0Yes
2024-08-13$14K$12K$2KYes
2024-08-09$123K$123K$0No
2024-08-07$31K$30K$200.8Yes
2024-08-06$9K$9K$0Yes
2024-08-06$8K$8K$0Yes
2024-08-06$8K$7K$862.31Yes
2024-08-06$0——Yes
2024-08-06$12K$10K$2KYes
2024-08-06$44K$44K$0Yes
2024-08-06$20K$20K$0No
2024-07-17$13K$13K$0Yes
2024-07-17$21K$21K$0No
2024-07-17$114K$67K$46KNo
2024-06-06$0$0$0Yes
2024-05-23$0$0$0Yes
2024-05-23$30K$29K$507.31Yes
2024-04-04$2K$2K$0Yes
2024-04-03$6K$6K$0Yes
2024-04-03$5K$5K$0No
2024-04-03$0——Yes
2024-04-03$0——No
2024-03-27$5K$5K$0Yes
2024-03-24$3K$3K$0Yes
2024-03-23$6K$6K$0Yes

ALSO CHECKED

18 more data areas were checked for Westchester 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 WESTCHESTER COUNTY →Opens the loan explorer already filtered to county FIPS 36119.

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.