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State markets/North Carolina/Guilford County

COUNTY MORTGAGE MARKET · FIPS 37081

Guilford County, North Carolina

Who lends in Guilford 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

$3.13B

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

Originations · 2025

11,526

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

Denial rate · 2025

20.6%

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

Lenders active · 2025

496

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

Concentration (HHI)

217

unconcentrated

Top-5 lender share

24.4%

of originations

Purchase

64.0%

5,929 loans

Refinance

36.0%

3,338 loans

Origination trend

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

Lenders in Guilford 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 Guilford 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 GUILFORD COUNTY →

TOP TEN LENDERS IN GUILFORD 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.

1,237$215.9M$215.9M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
798$182.6M$182.6M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
444$133.1M$133.1M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
403$123.6M$123.6M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
10$108.8M$108.8M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
424$100.7M$100.7M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
387$92.5M$92.5M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3$76.5M$76.5M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
253$76.1M$76.1M originated in Guilford County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
218$73.7M$73.7M originated in Guilford 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 Guilford County

All 35 ZIP Code Tabulation Areas that touch Guilford 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.
35 OF 35 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1515 of the 22 Guilford County tracts this ZIP area touches sit mostly inside it.61,80734.6%16,518——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 20 Guilford County tracts this ZIP area touches sit mostly inside it.58,92470.8%12,677——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 20 Guilford County tracts this ZIP area touches sit mostly inside it.50,05879.0%8,515——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 20 Guilford County tracts this ZIP area touches sit mostly inside it.46,55966.2%9,279——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Guilford County tracts this ZIP area touches sit mostly inside it.44,75447.6%12,149——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Guilford County tracts this ZIP area touches sit mostly inside it.27,66133.4%7,701——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Guilford County tracts this ZIP area touches sit mostly inside it.24,65547.8%4,635——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Guilford County tracts this ZIP area touches sit mostly inside it.22,55985.3%3,246——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Guilford County tracts this ZIP area touches sit mostly inside it.20,53180.5%2,210——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Guilford County tracts this ZIP area touches sit mostly inside it.19,65345.6%5,684——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Guilford County tracts this ZIP area touches sit mostly inside it.19,05050.3%4,933——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Guilford County tracts this ZIP area touches sit mostly inside it.17,82761.2%4,109——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Guilford County tracts this ZIP area touches sit mostly inside it.17,51747.9%2,990——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Guilford County tracts this ZIP area touches sit mostly inside it.15,84645.0%4,051——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Guilford County tracts this ZIP area touches sit mostly inside it.15,74818.5%5,006——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Guilford County tracts this ZIP area touches sit mostly inside it.13,57022.5%3,899——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Guilford County tracts this ZIP area touches sit mostly inside it.11,97427.1%3,470——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Guilford County tracts this ZIP area touches sit mostly inside it.10,86937.5%3,135——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 12 Guilford County tracts this ZIP area touches sit mostly inside it.7,50363.3%1,125——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Guilford County tracts this ZIP area touches sit mostly inside it.7,14459.0%1,483——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Guilford County tract this ZIP area touches sit mostly inside it.6,92854.1%195——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Guilford County tract this ZIP area touches sit mostly inside it.6,17515.8%1,613——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Guilford County tracts this ZIP area touches sit mostly inside it.4,69714.4%1,401——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Guilford County tracts this ZIP area touches sit mostly inside it.4,67510.9%1,407——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Guilford County tracts this ZIP area touches sit mostly inside it.4,61521.0%1,528——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Guilford 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 Guilford 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 Guilford 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 Guilford County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Guilford 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 Guilford 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 Guilford 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 Guilford 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 Guilford 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 Guilford 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.

126 of Guilford County’s 126 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 Guilford County

All 126 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.

126 OF 126 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate62.8%1,62690.9%OPEN →
Moderate68.8%4,65965.1%OPEN →
Moderate65.5%2,63379.3%OPEN →
Upper165.4%1,48417.2%OPEN →
Upper122.5%1,63424.0%OPEN →
Upper323.1%2,5335.7%OPEN →
Upper145.6%2,10217.2%OPEN →
Middle100.3%2,85723.5%OPEN →
Middle108.5%6,11446.8%OPEN →
Upper149.8%2,03630.8%OPEN →
Upper123.2%6,92854.1%OPEN →
Upper131.4%2,94639.2%OPEN →
Upper123.9%2,38761.0%OPEN →
Low40.6%5,22498.3%OPEN →
Moderate58.4%4,19497.0%OPEN →
Moderate65.2%2,75397.7%OPEN →
—0.0%3,37884.4%OPEN →
—0.0%2,81896.8%OPEN →
Low40.1%2,95694.3%OPEN →
Low39.6%5,54792.5%OPEN →
Low33.7%3,86669.2%OPEN →
Moderate60.4%2,57870.6%OPEN →
Moderate63.8%3,14080.6%OPEN →
Middle81.7%5,26383.1%OPEN →
Moderate63.7%4,78182.7%OPEN →
Upper148.8%4,36126.6%OPEN →
Middle95.3%3,64563.1%OPEN →
Upper196.5%4,41011.4%OPEN →
Middle97.3%3,41119.2%OPEN →
Upper161.3%2,32513.4%OPEN →
Upper237.3%3,26220.7%OPEN →
Upper181.3%5,05912.4%OPEN →
Moderate71.0%4,77884.0%OPEN →
Middle103.1%2,69857.1%OPEN →
Low35.9%2,50487.3%OPEN →
Middle83.8%3,21983.0%OPEN →
Low48.6%3,85584.8%OPEN →
Middle84.4%6,30485.7%OPEN →
Moderate71.5%3,47583.2%OPEN →
Low49.5%3,47980.6%OPEN →
Middle84.6%3,44660.8%OPEN →
Moderate58.4%3,80681.8%OPEN →
Low37.9%3,91476.7%OPEN →
Upper142.5%5,50550.5%OPEN →
Moderate70.7%3,65483.0%OPEN →
Moderate56.7%4,16897.0%OPEN →
Low39.9%3,39994.3%OPEN →
Low46.9%2,67792.6%OPEN →
Middle96.1%9,30681.9%OPEN →
Low48.8%4,29992.6%OPEN →
Moderate78.8%2,81788.4%OPEN →
Moderate58.7%4,66830.7%OPEN →
Moderate63.8%4,11166.4%OPEN →
Upper174.5%4,12326.8%OPEN →
Low49.8%3,97787.9%OPEN →
Low38.1%4,42591.2%OPEN →
Low48.7%3,19764.6%OPEN →
Moderate53.0%4,04387.3%OPEN →
Low48.5%2,94382.4%OPEN →
Middle105.7%2,51184.0%OPEN →
Upper124.5%6,12941.7%OPEN →
Moderate76.4%2,42778.4%OPEN →
Middle93.6%3,03843.6%OPEN →
Moderate72.3%3,97454.9%OPEN →
Moderate67.6%5,48073.4%OPEN →
Middle85.8%2,82343.9%OPEN →
Low49.2%1,22560.8%OPEN →
Moderate58.8%4,69273.0%OPEN →
Moderate75.3%3,43584.8%OPEN →
Middle99.0%5,59441.1%OPEN →
Middle97.3%5,36332.0%OPEN →
Middle116.0%6,47750.7%OPEN →
Upper153.2%5,50642.9%OPEN →
Middle94.3%4,62166.5%OPEN →
Upper131.2%5,44647.8%OPEN →
Moderate77.4%7,76067.5%OPEN →
Middle84.1%7,21173.4%OPEN →
Upper227.0%5,43917.5%OPEN →
Upper133.5%6,24532.0%OPEN →
Upper126.9%6,59038.6%OPEN →
Upper136.6%6,34734.4%OPEN →
Middle82.1%2,96641.0%OPEN →
Upper176.6%6,19340.9%OPEN →
Upper162.3%6,47331.0%OPEN →
Upper203.2%8,66820.4%OPEN →
Upper165.0%6,17515.8%OPEN →
Upper212.0%4,61521.0%OPEN →
Upper175.9%4,90226.2%OPEN →
Upper157.5%1,83725.4%OPEN →
Upper148.7%4,21146.7%OPEN →
Upper143.6%5,05932.1%OPEN →
Upper128.2%7,62034.1%OPEN →
Upper156.2%3,88827.6%OPEN →
Middle104.3%2,69833.9%OPEN →
Middle92.2%5,73362.5%OPEN →
Middle118.3%4,68425.8%OPEN →
Moderate64.0%3,78856.1%OPEN →
Middle104.6%5,29958.4%OPEN →
Upper160.2%6,75323.0%OPEN →
Upper154.2%5,22132.4%OPEN →
Upper172.8%4,55745.4%OPEN →
Upper145.9%4,65051.9%OPEN →
Upper148.9%3,38026.4%OPEN →
Upper164.3%3,68828.4%OPEN →
Upper144.3%3,48431.3%OPEN →
Middle100.6%5,45252.7%OPEN →
Moderate58.7%1,77065.9%OPEN →
Middle119.5%4,22851.0%OPEN →
Upper153.3%4,49645.6%OPEN →
Upper172.5%1,97217.4%OPEN →
Upper146.1%2,49625.4%OPEN →
Middle103.2%5,45056.7%OPEN →
Middle103.3%6,55337.9%OPEN →
Middle117.8%5,48061.3%OPEN →
Upper131.5%5,23954.3%OPEN →
Upper163.0%4,84544.0%OPEN →
Middle99.0%2,45232.3%OPEN →
Middle103.2%6,04671.4%OPEN →
Middle89.2%3,75421.6%OPEN →
Middle109.0%7,80255.7%OPEN →
Middle102.2%4,69714.4%OPEN →
Middle104.7%4,67510.9%OPEN →
Upper159.3%5,58228.1%OPEN →
Middle104.8%2,36636.2%OPEN →
Middle117.8%9,36941.1%OPEN →
—0.0%00.0%OPEN →

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

Housing & households

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

Population

547,940

Median household income

$68,642

Median home value

$259,900

Median gross rent

$1,163

per month

Owner-occupied

59.9%

of occupied units

Housing units

238,032

7.7% vacant

Poverty rate

14.6%

Unemployment

4.6%

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 Moderate

score 93.4

Social vulnerability

Relatively Moderate

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Winter weather Relatively High

Federal disaster history

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

Months with an active declaration

74

Declarations recorded

28

Incident types on record: Biological, Drought, Hurricane, Severe Ice Storm, Severe Storm, Snowstorm, Tornado, Tropical Storm, Winter Storm.

Everything we hold on Guilford 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 Guilford County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Guilford County →Every reported application and origination in FIPS 37081, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Guilford 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

739

—

Purchase share

38.0%

281 loans

IRRRL refinances

310

Cash-out refinances

148

2026739—281310148
2025848—429221198
2024649—397109143
2023575—38510180
2022——450170375
20211,791—5331,035223
20201,599—544845210
2019829—513146170
2018790—44494252
20171,022—469335218
2016923—439311173
2015758—351244163

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 Guilford 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

Guilford 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

1,738

+20.7% vs 2024

Multifamily · 2025

1,138

−52.6% vs 2024

Total authorized · 2025

2,876

−25.2% vs 2024

Permit valuation · 2025

$746.9M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420252,876 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 Guilford County, showing population movement and wealth transfer.

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

inflow2223Other flows - South, DS1,7613,053$109.0M
outflow2223Forsyth County, NC1,6652,863$95.4M
outflow2223Other flows - South, DS1,5822,724$102.1M
inflow2223Forsyth County, NC1,3962,359$76.3M
inflow2223Alamance County, NC9491,729$47.9M
outflow2223Alamance County, NC8911,566$49.5M
outflow2223Davidson County, NC8591,591$47.8M
outflow2223Randolph County, NC8491,530$44.5M
outflow2223Mecklenburg County, NC8381,170$56.8M
outflow2223Wake County, NC8031,163$46.6M
inflow2223Other flows - Northeast, DS7681,337$54.6M
inflow2223Randolph County, NC7291,322$36.7M
inflow2223Davidson County, NC7291,273$33.6M
outflow2223Rockingham County, NC6601,249$44.7M
inflow2223Other flows - Midwest, DS6361,080$50.3M
inflow2223Wake County, NC620962$34.3M
outflow2223Other flows - Northeast, DS593984$31.6M
outflow2223Other flows - Midwest, DS576993$35.4M
inflow2223Mecklenburg County, NC539831$29.7M
inflow2223Other flows - West, DS524942$41.6M
inflow2223Rockingham County, NC447798$21.7M
outflow2223Other flows - West, DS428701$34.2M
outflow2223Durham County, NC343479$21.3M
inflow2223Durham County, NC297428$15.7M
inflow2223Cumberland County, NC175311$6.3M
outflow2223New Hanover County, NC141197$9.8M
inflow2223Orange County, NC125169$6.3M
outflow2223Cumberland County, NC122207$3.6M
outflow2223Cabarrus County, NC120215$7.3M
outflow2223Orange County, NC119176$6.3M
inflow2223New Hanover County, NC119191$10.2M
outflow2223Brunswick County, NC118205$14.1M
inflow2223Broward County, FL95156$5.3M
inflow2223Cabarrus County, NC93152$5.3M
outflow2223Horry County, SC89149$6.8M
inflow2223Los Angeles County, CA88132$5.6M
inflow2223Miami-Dade County, FL86163$5.0M
outflow2223Buncombe County, NC84125$5.1M
outflow2223Fulton County, GA8494$4.6M
inflow2223Rowan County, NC79136$3.4M
outflow2223Pitt County, NC79121$2.4M
inflow2223Pitt County, NC79125$3.8M
inflow2223Buncombe County, NC78105$5.9M
outflow2223Rowan County, NC76119$3.6M
outflow2223Iredell County, NC76114$4.6M
inflow2223Orange County, FL76126$3.7M
outflow2223Los Angeles County, CA75113$4.8M
outflow2223Cook County, IL7293$4.2M
inflow2223Kings County, NY72125$3.4M
outflow2223Harris County, TX72107$3.3M
inflow2223Hillsborough County, FL68118$3.6M
inflow2223Iredell County, NC6698$5.5M
inflow2223Palm Beach County, FL65110$4.4M
outflow2223Foreign - Overseas, FR63110$5.2M
inflow2223Queens County, NY62124$3.1M
inflow2223Stokes County, NC6292$2.5M
inflow2223Suffolk County, NY61112$3.2M
inflow2223Gaston County, NC6188$2.1M
inflow2223Maricopa County, AZ61116$4.9M
inflow2223Bronx County, NY60112$1.7M
inflow2223Philadelphia County, PA59110$2.3M
outflow2223Caswell County, NC59111$2.1M
inflow2223Prince George's County, MD5980$3.5M
inflow2223Brunswick County, NC5997$6.1M
inflow2223Horry County, SC5883$3.4M
outflow2223Duval County, FL5886$3.1M
outflow2223Kings County, NY5881$3.3M
inflow2223Gwinnett County, GA57111$3.6M
outflow2223Gaston County, NC5787$2.3M
inflow2223Cook County, IL5789$4.2M
inflow2223Chatham County, NC5799$3.2M
outflow2223Dallas County, TX5684$4.8M
inflow2223Polk County, FL56106$2.8M
inflow2223Onslow County, NC56100$2.4M
outflow2223Maricopa County, AZ56113$4.8M
inflow2223Nassau County, NY54112$2.9M
outflow2223Johnston County, NC5393$3.4M
inflow2223Harris County, TX5399$2.7M
outflow2223Gwinnett County, GA5293$2.9M
outflow2223Onslow County, NC5281$2.6M
outflow2223Stokes County, NC5297$2.8M
outflow2223New York County, NY5154$3.4M
inflow2223Henry County, VA5197$2.8M
outflow2223Fairfax County, VA5082$3.6M
inflow2223Johnston County, NC5078$2.4M
outflow2223DeKalb County, GA5072$2.4M
inflow2223Pinellas County, FL5087$3.9M
outflow2223District of Columbia, DC4958$2.5M
outflow2223Prince George's County, MD4966$2.1M
inflow2223Watauga County, NC4965$1.7M
inflow2223Moore County, NC4972$2.5M
inflow2223Catawba County, NC4976$2.5M
inflow2223Fulton County, GA4972$3.1M
inflow2223Charleston County, SC4895$7.7M
outflow2223Hillsborough County, FL4879$2.0M
outflow2223Orange County, FL4883$3.8M
inflow2223Greenville County, SC4780$2.8M
outflow2223Moore County, NC4776$3.8M
outflow2223Danville city, VA4799$2.1M
inflow2223New York County, NY4777$4.9M
inflow2223Danville city, VA4789$1.6M
inflow2223Lee County, NC4680$1.8M
inflow2223Wayne County, NC4474$1.6M
inflow2223Dallas County, TX4470$2.6M
inflow2223Lee County, FL4465$2.6M
inflow2223Duval County, FL4482$2.6M
outflow2223Davidson County, TN4462$2.3M
inflow2223Union County, NC4383$2.4M
inflow2223Caswell County, NC4377$1.7M
outflow2223Chatham County, NC4370$1.9M
outflow2223Richland County, SC4370$2.0M
outflow2223Broward County, FL4370$2.4M
outflow2223Davie County, NC4277$2.9M
inflow2223Richland County, SC4266$1.7M
inflow2223Nash County, NC4259$1.9M
inflow2223District of Columbia, DC4253$3.0M
inflow2223San Diego County, CA4276$3.6M
outflow2223Charleston County, SC4253$2.7M
outflow2223Greenville County, SC4165$4.4M
outflow2223Union County, NC4080$2.7M
inflow2223Fairfax County, VA4068$3.7M
inflow2223York County, SC4077$4.8M
inflow2223Essex County, NJ3971$1.8M
outflow2223Clark County, NV3954$1.7M
inflow2223Harnett County, NC3885$2.7M
inflow2223Roanoke city, VA3872$2.3M
outflow2223Catawba County, NC3855$2.6M
outflow2223Craven County, NC3857$1.6M
outflow2223Harnett County, NC3770$2.1M
inflow2223Wilson County, NC3772$1.5M
outflow2223Surry County, NC3763$2.2M
outflow2223Franklin County, OH3760$2.7M
inflow2223DeKalb County, GA3665$2.0M
outflow2223Travis County, TX3651$2.5M
outflow2223Wayne County, NC3664$1.4M
outflow2223Queens County, NY3656$2.1M
outflow2223Cobb County, GA3655$2.7M
inflow2223Baltimore County, MD3563$1.2M
inflow2223Craven County, NC3557$2.4M
outflow2223York County, SC3557$2.6M
outflow2223Chesterfield County, VA3562$2.6M
inflow2223Jefferson County, AL3555$2.2M
outflow2223Watauga County, NC3446$2.0M
outflow2223Philadelphia County, PA3358$2.1M
outflow2223Richmond city, VA3345$1.5M
outflow2223Virginia Beach city, VA3355$2.7M
outflow2223Montgomery County, MD3345$1.6M
outflow2223Foreign - Other flows, FR3349$1.5M
inflow2223Cobb County, GA3367$2.7M
outflow2223San Diego County, CA3340$1.8M
outflow2223Pender County, NC3371$5.9M
inflow2223Bexar County, TX3361$2.7M
inflow2223Franklin County, OH3351$3.1M
inflow2223Surry County, NC3349$1.4M
outflow2223Miami-Dade County, FL3250$2.0M
outflow2223Henry County, VA3257$1.6M
inflow2223Granville County, NC3249$1.2M
outflow2223New Castle County, DE3256$1.2M
inflow2223Cuyahoga County, OH3154$2.1M
outflow2223Lee County, NC3143$1.5M
inflow2223Oakland County, MI3162$3.1M
inflow2223Davie County, NC3154$3.0M
outflow2223Suffolk County, MA3033$1.5M
outflow2223Palm Beach County, FL3044$2.6M
inflow2223Baltimore city, MD3058$1.2M
inflow2223Travis County, TX3056$3.8M
outflow2223Wilkes County, NC3062$1.8M
inflow2223Virginia Beach city, VA2946$1.5M
outflow2223Bexar County, TX2949$1.3M
inflow2223Onondaga County, NY2950$2.2M
inflow2223Pittsylvania County, VA2943$1.4M
inflow2223Erie County, NY2855$1.4M
inflow2223Person County, NC2850$1.2M
inflow2223Foreign - Other flows, FR2846$1.3M
inflow2223Monroe County, NY2742$1.3M
outflow2223Roanoke city, VA2741$747K
outflow2223Chatham County, GA2758$1.8M
outflow2223Pinellas County, FL2734$1.6M
outflow2223El Paso County, CO2735$1.5M
inflow2223Montgomery County, MD2751$2.5M
outflow2223King County, WA2741$1.8M
inflow2223Davidson County, TN2748$2.5M
inflow2223Prince William County, VA2755$2.4M
inflow2223Norfolk city, VA2750$1.2M
inflow2223Foreign - Overseas, FR2650$1.8M
outflow2223Tarrant County, TX2649$1.2M
outflow2223Collin County, TX2646$2.2M
inflow2223Clark County, NV2652$1.5M
inflow2223Hudson County, NJ2647$1.9M
inflow2223Collin County, TX2650$1.9M
outflow2223Denton County, TX2543$2.3M
outflow2223Allegheny County, PA2545$1.5M
outflow2223Hoke County, NC2540$793K
inflow2223Beaufort County, SC2546$2.4M
inflow2223Allegheny County, PA2534$1.5M
outflow2223Henderson County, NC2542$1.4M
inflow2223Orange County, CA2533$1.3M
inflow2223Capitol Planning Region, CT2534$1.3M
inflow2223Middlesex County, MA2538$1.5M
inflow2223Wayne County, MI2554$1.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Guilford County.

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

2023PurchaseNo CharacteristicAll Appraisals3,673.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals1,164.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals4,837.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals275,000.0
2023BothNo CharacteristicAll Appraisals300,000.0
2023PurchaseNo CharacteristicAll Appraisals310,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals287,300.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals300,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,226.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals265,000.0
2022BothNo CharacteristicAll Appraisals6,472.0
2022PurchaseNo CharacteristicAll Appraisals4,246.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals261,800.0
2021BothNo CharacteristicAll Appraisals10,657.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals5,645.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals5,012.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals260,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals260,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals11,556.0
2020PurchaseNo CharacteristicAll Appraisals5,768.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals255,000.0
2020RefinanceNo CharacteristicAll Appraisals275,000.0
2020RefinanceNo CharacteristicAll Appraisals5,788.0
2020PurchaseNo CharacteristicAll Appraisals236,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals227,000.0
2019PurchaseNo CharacteristicAll Appraisals5,340.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals245,000.0
2019BothNo CharacteristicAll Appraisals8,079.0
2019RefinanceNo CharacteristicAll Appraisals2,739.0
2019PurchaseNo CharacteristicAll Appraisals218,800.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals205,000.0
2018BothNo CharacteristicAll Appraisals6,684.0
2018PurchaseNo CharacteristicAll Appraisals4,923.0
2018RefinanceNo CharacteristicAll Appraisals1,761.0
2018BothNo CharacteristicAll Appraisals205,000.0
2018PurchaseNo CharacteristicAll Appraisals205,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals200,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals7,352.0
2017PurchaseNo CharacteristicAll Appraisals4,947.0
2017PurchaseNo CharacteristicAll Appraisals189,000.0
2017RefinanceNo CharacteristicAll Appraisals2,405.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals192,000.0
2016PurchaseNo CharacteristicAll Appraisals4,336.0
2016RefinanceNo CharacteristicAll Appraisals228,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals187,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals203,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals7,511.0
2016RefinanceNo CharacteristicAll Appraisals3,175.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals195,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals205,000.0
2015BothNo CharacteristicAll Appraisals6,494.0
2015RefinanceNo CharacteristicAll Appraisals2,648.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals3,846.0
2015BothNo CharacteristicAll Appraisals200,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals198,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05264,606254,20610,4003.9%
2026-04265,647255,39710,2503.9%
2026-03267,870257,34210,5283.9%
2026-02267,365255,85911,5064.3%
2026-01266,189253,81512,3744.6%
2025-12267,418257,06110,3573.9%
2025-11268,300257,12611,1744.2%
2025-09268,601257,38011,2214.2%
2025-08266,478254,00012,4784.7%
2025-07267,955255,02612,9294.8%
2025-06266,397254,31512,0824.5%
2025-05267,561256,51011,0514.1%
2025-04268,329258,07910,2503.8%
2025-03268,890257,42911,4614.3%
2025-02267,133255,66111,4724.3%
2025-01267,425256,02511,4004.3%
2024-12267,505257,38710,1183.8%
2024-11268,414257,74810,6664.0%
2024-10268,367258,6139,7543.6%
2024-09268,226258,15210,0743.8%
2024-08265,574253,37012,2044.6%
2024-07267,156254,03713,1194.9%
2024-06266,405254,12712,2784.6%
2024-05267,335256,65810,6774.0%
2024-04267,229257,4509,7793.7%
2024-03268,758257,64711,1114.1%
2024-02267,225255,90011,3254.2%
2024-01266,465255,33611,1294.2%
2023-12265,176255,4899,6873.7%
2023-11267,286257,21010,0763.8%
2023-10266,984256,92910,0553.8%
2023-09266,472256,9029,5703.6%
2023-08265,102253,61811,4844.3%
2023-07264,529253,13311,3964.3%
2023-06264,303253,06111,2424.3%
2023-05265,767255,34110,4263.9%
2023-04264,519255,4299,0903.4%
2023-03267,504256,89910,6054.0%
2023-02265,682254,69910,9834.1%
2023-01265,603254,63610,9674.1%
2022-12264,885255,2569,6293.6%
2022-11265,668254,98810,6804.0%
2022-10266,898256,16310,7354.0%
2022-09266,549256,50710,0423.8%
2022-08264,912252,61312,2994.6%
2022-07265,403253,41111,9924.5%
2022-06264,931253,27211,6594.4%
2022-05266,947256,55410,3933.9%
2022-04266,133256,3699,7643.7%
2022-03268,852258,08810,7644.0%
2022-02266,992255,45011,5424.3%
2022-01265,564253,29112,2734.6%
2021-12264,476254,23010,2463.9%
2021-11264,492252,52111,9714.5%
2021-10262,909250,46112,4484.7%
2021-09260,265247,78412,4814.8%
2021-08257,907243,31514,5925.7%
2021-07257,091241,77215,3196.0%
2021-06255,710239,61716,0936.3%
2021-05254,375239,72414,6515.8%
2021-04254,826240,26014,5665.7%
2021-03256,847241,23115,6166.1%
2021-02255,399238,49616,9036.6%
2021-01254,801237,30617,4956.9%
2020-12255,601239,14816,4536.4%
2020-11256,287239,70616,5816.5%
2020-10257,698241,01916,6796.5%
2020-09254,191235,02419,1677.5%
2020-08252,346231,06621,2808.4%
2020-07254,725226,03128,69411.3%
2020-06256,102225,59430,50811.9%
2020-05253,016218,58634,43013.6%
2020-04246,107207,92038,18715.5%
2020-03253,764241,43612,3284.9%
2020-02264,901254,51410,3873.9%
2020-01263,814252,87110,9434.1%
2019-12263,794254,4019,3933.6%
2019-11265,541255,6289,9133.7%
2019-10267,200257,02410,1763.8%
2019-09265,625255,9169,7093.7%
2019-08264,283252,41311,8704.5%
2019-07264,287252,18512,1024.6%
2019-06264,542252,86011,6824.4%
2019-05265,530254,88610,6444.0%
2019-04264,765255,0989,6673.7%
2019-03266,897255,65311,2444.2%
2019-02265,138253,66011,4784.3%
2019-01264,307251,88012,4274.7%
2018-12261,925251,36210,5634.0%
2018-11263,455253,11710,3383.9%
2018-10264,666254,41810,2483.9%
2018-09263,323253,6559,6683.7%
2018-08260,245248,66511,5804.4%
2018-07262,434250,43012,0044.6%
2018-06262,696250,55612,1404.6%
2018-05262,793252,20510,5884.0%
2018-04262,368252,04510,3233.9%
2018-03263,367251,82111,5464.4%
2018-02262,302250,00212,3004.7%
2018-01260,917248,46112,4564.8%

BEA Personal Income

2024$35.58B558,816$64K
2023$33.37B552,880$60K
2022$31.09B547,195$57K
2021$29.64B542,050$55K
2020$27.01B538,761$50K
2019$25.33B538,901$47K
2018$23.96B534,162$45K
2017$22.98B529,429$43K
2016$22.13B525,215$42K
2015$21.92B517,865$42K
2014$20.59B512,886$40K
2013$19.49B506,899$38K
2012$19.52B500,868$39K
2011$18.49B495,161$37K
2010$17.82B489,653$36K
2009$17.36B484,180$36K
2008$18.06B477,809$38K
2007$17.39B468,466$37K
2006$16.65B458,792$36K
2005$15.34B448,192$34K
2004$14.54B440,597$33K
2003$13.67B436,327$31K
2002$13.41B432,068$31K
2001$13.32B428,381$31K
2000$13.09B422,324$31K
1999$12.45B416,459$30K
1998$12.09B409,440$30K
1997$11.22B401,113$28K
1996$10.43B394,358$26K
1995$9.75B387,665$25K
1994$9.16B378,575$24K
1993$8.62B370,568$23K
1992$8.14B362,884$22K
1991——$21K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-07-13$17K$17K$0No
2025-07-10$9K$9K$0Yes
2025-07-09$0——Yes
2025-07-09$39K$39K$0Yes
2025-07-09$17K$17K$0Yes
2025-07-09$4K$4K$0Yes
2025-07-09$177K$177K$0Yes
2025-07-06$25K$25K$0Yes
2025-03-05$0——Yes
2024-08-17$0——Yes
2024-08-10$127K$117K$10KYes
2024-08-09$21K$21K$0Yes
2024-08-09$38K$38K$0Yes
2024-08-09$142K$142K$0Yes
2024-08-09$31K$31K$0Yes
2024-08-09$27K$27K$0No
2024-08-09$27K$27K$0No
2024-08-09$18K$18K$0No
2024-08-09$0$0$0No
2024-08-09$26K$26K$0No
2024-08-08$21K$19K$3KYes
2024-08-08$0$0$0Yes
2024-07-16$0$0$0Yes
2024-05-14$8K$8K$0Yes
2024-05-04$0$0$0Yes
2024-02-21$0——Yes
2024-01-09$10K$10K$0Yes
2024-01-09$8K$7K$670.66Yes
2024-01-09$114K$104K$11KYes
2024-01-09$0$0$0Yes
2024-01-09$0$0$0Yes
2024-01-09$31K$27K$4KYes
2024-01-09$8K$6K$1KYes
2024-01-09$0$0$0Yes
2024-01-09$5K$5K$0Yes
2023-09-12$3K$3K$0Yes
2022-12-29$0$0$0Yes
2022-07-27$0$0$0Yes
2022-07-16$95K$95K$0No
2022-07-15$2K$0$2KYes
2022-06-27$0——Yes
2022-03-31$0——Yes
2021-12-08$0$0$0No
2021-03-25$24K$24K$0Yes
2020-11-12$3K$3K$0Yes
2020-11-12$4K$4K$0Yes
2020-09-09$0——Yes
2020-06-17$6K$6K$0Yes
2020-05-21$4K$4K$0Yes
2020-05-21$9K$9K$0Yes
2020-05-21$2K$2K$0Yes
2020-05-19$0——Yes
2020-02-07$3K$3K$0Yes
2020-02-06$9K$9K$0Yes
2020-02-06$10K$10K$0Yes
2020-02-06$3K$3K$0Yes
2019-08-01$23K$23K$0No
2019-08-01$34K$34K$0No
2019-08-01$26K$26K$0No
2019-08-01$25K$25K$0No
2019-08-01$18K$18K$0No
2019-08-01$0$0$0No
2019-08-01$24K$24K$0No
2019-08-01$0——No
2019-08-01$31K$31K$0No
2019-07-31$8K$8K$0No
2019-07-31$9K$9K$0Yes
2019-07-31$100K$94K$6KNo
2019-07-31$0$0$0No
2019-07-31$9K$9K$0Yes
2019-07-31$125K$125K$0No
2019-07-31$55K$55K$0Yes
2019-07-31$0——Yes
2019-07-31$21K$21K$0No
2019-07-31$130K$130K$0Yes
2019-07-31$9K$9K$0Yes
2019-07-31$0——Yes
2019-07-31$0$0$0No
2019-07-31$3K$3K$0No
2019-07-31$176.5$176.5$0No
2019-07-31$44.65$44.65$0No
2019-07-31$73K$73K$0Yes
2019-07-31$0——Yes
2019-07-31$85K$85K$0No
2019-07-31$18K$18K$0No
2019-07-31$0$0$0No
2019-07-31$36K$36K$0No
2019-07-31$19K$19K$0No
2019-07-31$21K$20K$1KYes
2019-07-31$108K$95K$13KYes
2019-07-31$28K$28K$0Yes
2019-07-31$204K$203K$2KYes
2019-07-31$14K$14K$0Yes
2019-07-31$21K$21K$0Yes
2019-07-31$9K$9K$0Yes
2019-07-31$21K$21K$0Yes
2019-07-31$5K$5K$0Yes
2019-07-31$4K$4K$0No
2019-07-31$0——Yes
2019-07-31$5K$0$5KYes

ALSO CHECKED

18 more data areas were checked for Guilford 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 NC state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN GUILFORD COUNTY →Opens the loan explorer already filtered to county FIPS 37081.

See the North Carolina state market profile for the statewide picture, the North Carolina 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.