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State markets/North Carolina/Wake County

COUNTY MORTGAGE MARKET · FIPS 37183

Wake County, North Carolina

Who lends in Wake 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

$12.80B

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

Originations · 2025

32,311

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

Denial rate · 2025

15.1%

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

Lenders active · 2025

645

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

Concentration (HHI)

214

unconcentrated

Top-5 lender share

25.1%

of originations

Purchase

65.5%

17,173 loans

Refinance

34.5%

9,036 loans

Origination trend

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

Lenders in Wake 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 Wake 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 WAKE COUNTY →

TOP TEN LENDERS IN WAKE 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.

2,180$1.02B$1.02B originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3,417$859.6M$859.6M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,652$517.5M$517.5M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,143$415.5M$415.5M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,178$393.6M$393.6M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
259$371.5M$371.5M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,659$312.7M$312.7M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
856$300.2M$300.2M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
609$260.4M$260.4M originated in Wake County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
537$238.4M$238.4M originated in Wake 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 Wake County

All 41 ZIP Code Tabulation Areas that touch Wake 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.
41 OF 41 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1616 of the 24 Wake County tracts this ZIP area touches sit mostly inside it.85,76432.7%22,376——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 20 Wake County tracts this ZIP area touches sit mostly inside it.75,91479.4%14,869——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 21 Wake County tracts this ZIP area touches sit mostly inside it.58,16941.1%14,532——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 16 Wake County tracts this ZIP area touches sit mostly inside it.56,47755.0%12,540——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 14 Wake County tracts this ZIP area touches sit mostly inside it.56,35743.7%12,107——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 14 Wake County tracts this ZIP area touches sit mostly inside it.53,08627.4%11,654——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Wake County tracts this ZIP area touches sit mostly inside it.51,82069.2%9,862——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 18 Wake County tracts this ZIP area touches sit mostly inside it.48,98142.1%7,567——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Wake County tracts this ZIP area touches sit mostly inside it.47,37131.0%12,050——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Wake County tracts this ZIP area touches sit mostly inside it.47,34462.3%11,087——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Wake County tracts this ZIP area touches sit mostly inside it.42,54327.2%11,434——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 16 Wake County tracts this ZIP area touches sit mostly inside it.41,99228.3%12,819——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 12 Wake County tracts this ZIP area touches sit mostly inside it.38,88924.7%10,385——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Wake County tracts this ZIP area touches sit mostly inside it.37,83826.8%9,259——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Wake County tracts this ZIP area touches sit mostly inside it.37,34429.5%9,125——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 9 Wake County tracts this ZIP area touches sit mostly inside it.34,54633.9%9,777——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Wake County tracts this ZIP area touches sit mostly inside it.33,83628.9%5,306——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 17 Wake County tracts this ZIP area touches sit mostly inside it.32,70628.1%8,069——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Wake County tracts this ZIP area touches sit mostly inside it.31,73968.4%6,543——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Wake County tracts this ZIP area touches sit mostly inside it.31,61757.1%7,705——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Wake County tracts this ZIP area touches sit mostly inside it.29,23863.7%7,514——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Wake County tracts this ZIP area touches sit mostly inside it.26,92535.5%6,207——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Wake County tracts this ZIP area touches sit mostly inside it.21,89248.8%5,412——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Wake County tracts this ZIP area touches sit mostly inside it.21,57141.7%4,487——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Wake County tracts this ZIP area touches sit mostly inside it.19,29924.2%4,700——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Wake County tracts this ZIP area touches sit mostly inside it.15,59751.3%3,903——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 10 Wake County tracts this ZIP area touches sit mostly inside it.15,46447.2%3,738——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Wake County tracts this ZIP area touches sit mostly inside it.10,10510.6%3,217——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Wake County tracts this ZIP area touches sit mostly inside it.7,96420.1%1,417——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Wake County tracts this ZIP area touches sit mostly inside it.7,87144.2%710——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Wake County tracts this ZIP area touches sit mostly inside it.5,65327.6%1,260——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Wake County tracts this ZIP area touches sit mostly inside it.3,02327.2%623——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Wake 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 Wake 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 Wake County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 5 tracts of Wake 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 Wake 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 Wake 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 Wake 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 Wake 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 Wake 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.

230 of Wake County’s 230 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 Wake County

All 230 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.

230 OF 230 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper170.4%5,19930.0%OPEN →
Upper136.5%3,49823.5%OPEN →
Upper141.8%1,65529.4%OPEN →
Middle110.2%3,88033.2%OPEN →
Moderate69.0%3,46057.4%OPEN →
Moderate50.4%3,07369.6%OPEN →
Low32.6%4,08662.3%OPEN →
Low28.8%2,67271.8%OPEN →
Upper120.4%2,79826.4%OPEN →
Low27.7%4,09943.0%OPEN →
—0.0%3,94036.4%OPEN →
Upper138.1%4,46617.4%OPEN →
Upper142.6%5,96217.3%OPEN →
Upper217.1%3,5199.5%OPEN →
Upper167.3%2,69511.5%OPEN →
Upper186.9%4,9588.3%OPEN →
Upper257.9%4,0447.8%OPEN →
Upper153.3%5,14713.0%OPEN →
Moderate71.8%4,91164.1%OPEN →
Low35.0%3,78289.7%OPEN →
Low49.3%5,08591.1%OPEN →
Moderate54.6%8,75088.8%OPEN →
Moderate61.8%5,96693.6%OPEN →
Moderate66.2%3,75936.5%OPEN →
Moderate54.0%2,80343.4%OPEN →
—0.0%3,05340.0%OPEN →
Upper125.2%1,38236.5%OPEN →
—0.0%4,61945.2%OPEN →
Middle102.8%6,31529.3%OPEN →
Middle106.2%4,00139.5%OPEN →
Middle85.4%4,40143.5%OPEN →
Low43.9%3,02554.3%OPEN →
Low36.4%4,86558.0%OPEN →
Moderate79.9%1,79046.8%OPEN →
Moderate74.0%6,28556.0%OPEN →
Upper127.6%7,18730.9%OPEN →
Middle108.0%5,05033.5%OPEN →
Upper143.8%2,48824.4%OPEN →
Upper127.5%2,86142.8%OPEN →
Upper177.1%3,38424.1%OPEN →
Middle91.3%3,98926.3%OPEN →
Upper185.1%3,38610.0%OPEN →
Upper128.0%5,21916.8%OPEN →
Upper190.5%3,61311.4%OPEN →
Middle89.1%6,05247.5%OPEN →
Low37.9%6,80986.6%OPEN →
Moderate61.0%5,55851.1%OPEN →
Moderate74.1%4,84873.4%OPEN →
Moderate74.3%6,95867.7%OPEN →
Middle98.1%6,14038.2%OPEN →
Moderate63.0%5,97251.8%OPEN →
Moderate67.2%6,73769.5%OPEN →
Moderate79.0%2,77250.4%OPEN →
Moderate71.0%8,39185.4%OPEN →
Low49.4%8,51790.3%OPEN →
Middle111.0%4,21538.0%OPEN →
Moderate53.4%2,93949.1%OPEN →
Middle87.5%5,06154.1%OPEN →
Low42.3%4,64868.2%OPEN →
Moderate63.6%5,84291.8%OPEN →
Middle116.5%2,90626.3%OPEN →
Middle83.2%5,82433.1%OPEN →
Middle118.5%3,25728.9%OPEN →
Middle102.6%3,28627.7%OPEN →
Middle94.1%5,13129.9%OPEN →
Middle111.2%6,10533.6%OPEN →
Upper136.5%2,93822.4%OPEN →
Upper163.6%4,88014.7%OPEN →
Upper135.2%3,12613.7%OPEN →
Upper150.7%3,54525.4%OPEN →
Middle96.0%9,25446.9%OPEN →
Upper134.3%4,66529.2%OPEN →
Moderate70.2%4,22442.2%OPEN →
Middle84.7%5,46228.2%OPEN →
Middle84.3%3,99938.1%OPEN →
Middle111.7%10,13823.5%OPEN →
Upper123.6%6,42435.3%OPEN →
Middle116.3%6,90536.3%OPEN →
Middle93.8%6,54929.7%OPEN →
Middle84.7%5,59236.3%OPEN →
Middle89.9%7,14026.9%OPEN →
Moderate69.5%2,74729.1%OPEN →
Middle111.6%4,36716.8%OPEN →
Upper144.6%10,60027.3%OPEN →
Middle97.9%4,98234.8%OPEN →
Upper121.9%6,08225.8%OPEN →
Middle110.5%5,75935.6%OPEN →
Upper134.2%12,13022.5%OPEN →
Upper137.4%3,02327.2%OPEN →
Upper165.5%5,36323.1%OPEN →
Upper163.0%8,12420.4%OPEN →
Upper150.4%5,37623.1%OPEN →
Upper147.9%4,27845.5%OPEN →
Upper148.8%6,80736.1%OPEN →
Upper203.0%6,67356.1%OPEN →
Upper170.8%14,61061.2%OPEN →
Upper155.6%4,91737.5%OPEN →
Middle110.3%4,63439.0%OPEN →
Upper131.9%3,01018.3%OPEN →
Middle115.5%5,92235.6%OPEN →
Upper160.7%2,44923.2%OPEN →
Middle111.3%2,17227.5%OPEN →
Upper143.7%4,72839.4%OPEN →
Upper153.0%3,14051.7%OPEN →
—0.0%7,52264.9%OPEN →
Upper175.1%5,69830.1%OPEN →
Upper148.2%13,30733.8%OPEN →
Middle117.5%3,18526.0%OPEN →
Upper120.0%4,20134.5%OPEN →
Middle97.0%5,56245.7%OPEN →
Middle99.4%3,17336.6%OPEN →
Upper128.8%4,43418.1%OPEN →
Upper138.1%4,93132.0%OPEN →
Upper141.0%3,74125.7%OPEN →
Middle94.4%3,25532.4%OPEN →
Upper125.3%3,79123.3%OPEN →
Upper125.7%5,94323.3%OPEN →
Middle103.7%3,92333.9%OPEN →
Upper176.0%5,20120.4%OPEN →
Middle104.9%7,11235.8%OPEN →
Middle83.2%4,46152.7%OPEN →
Middle84.0%3,54343.4%OPEN →
Moderate65.9%4,66365.7%OPEN →
Middle109.8%3,52819.8%OPEN →
Moderate78.1%3,95444.3%OPEN →
Middle88.3%5,85749.8%OPEN →
Upper145.6%3,63832.6%OPEN →
Upper135.6%8,49558.7%OPEN →
Upper196.7%5,77944.1%OPEN →
Middle86.7%3,77839.4%OPEN →
Middle117.7%2,89831.8%OPEN →
Upper192.3%4,45749.3%OPEN →
Upper188.6%4,33645.5%OPEN →
Upper145.0%7,74674.3%OPEN →
Middle89.8%1,65361.2%OPEN →
Upper138.6%6,85268.2%OPEN →
Middle105.8%3,66475.5%OPEN →
Upper131.8%4,41951.3%OPEN →
Upper145.9%2,57238.1%OPEN →
Upper136.4%5,03856.9%OPEN →
Upper161.1%5,48840.1%OPEN →
Upper157.8%10,38560.2%OPEN →
Middle116.0%4,93171.7%OPEN →
Moderate53.6%——OPEN →
Upper128.5%6,75868.8%OPEN →
Upper153.9%5,33924.4%OPEN →
Upper137.8%2,80517.2%OPEN →
Low45.7%3,79946.2%OPEN →
Upper121.8%5,29728.2%OPEN →
Middle109.7%3,48919.8%OPEN →
Middle96.1%4,23336.4%OPEN →
Middle86.7%4,80650.9%OPEN →
Upper132.0%3,45826.4%OPEN →
Upper144.8%4,01723.4%OPEN →
Upper153.2%4,36014.9%OPEN →
Upper164.7%3,98018.9%OPEN →
Upper134.5%4,95815.9%OPEN →
Moderate79.8%3,35926.5%OPEN →
Upper137.0%6,31637.7%OPEN →
Middle117.7%5,66333.7%OPEN →
Middle82.6%3,36648.7%OPEN →
Upper152.4%5,20429.9%OPEN →
Moderate73.8%2,72245.5%OPEN →
Middle117.8%4,28526.2%OPEN →
Moderate62.4%2,41247.9%OPEN →
Upper209.7%3,91716.7%OPEN →
Upper150.3%3,92818.1%OPEN →
Upper181.2%2,00713.7%OPEN →
Upper137.9%3,58212.6%OPEN →
Upper125.7%4,14617.6%OPEN →
Upper165.3%5,58116.1%OPEN →
Upper162.9%4,58319.9%OPEN →
Upper166.4%6,09118.3%OPEN →
Middle86.6%5,51140.7%OPEN →
Moderate68.5%5,28645.5%OPEN →
Moderate78.5%3,28848.3%OPEN →
Middle81.1%4,10134.9%OPEN →
Low45.3%6,47484.2%OPEN →
Upper142.7%2,83815.5%OPEN →
Middle112.7%3,73419.7%OPEN →
Moderate57.7%4,12269.5%OPEN →
Upper136.8%6,05826.9%OPEN →
Middle90.5%2,81348.3%OPEN →
Low48.8%3,74172.0%OPEN →
Upper146.4%5,20824.0%OPEN →
Middle116.9%4,84928.0%OPEN →
Upper153.5%3,10117.6%OPEN →
Middle83.0%6,18176.2%OPEN →
Moderate72.5%7,95172.1%OPEN →
Moderate68.5%8,33283.7%OPEN →
Moderate68.3%7,77166.6%OPEN →
Middle118.0%4,82452.9%OPEN →
Middle89.3%2,60547.7%OPEN →
Moderate75.1%3,99968.5%OPEN →
Middle90.5%4,88767.5%OPEN →
Middle91.5%7,61362.1%OPEN →
Middle91.5%9,85560.8%OPEN →
Moderate67.7%6,62370.2%OPEN →
Middle83.7%6,30073.0%OPEN →
Moderate76.7%5,66258.4%OPEN →
Middle87.2%7,08757.7%OPEN →
Upper128.0%1,47527.1%OPEN →
Middle100.3%8,95353.1%OPEN →
Upper162.0%3,81818.9%OPEN →
Middle87.5%4,95729.4%OPEN →
Middle93.7%6,56627.4%OPEN →
Middle107.1%6,17141.0%OPEN →
Upper171.8%4,46235.5%OPEN →
Upper124.1%2,12218.1%OPEN →
Middle97.8%4,97845.0%OPEN →
Middle105.1%5,70634.2%OPEN →
Upper130.9%4,57331.4%OPEN →
Middle101.8%8,67254.1%OPEN →
Upper162.7%4,13024.0%OPEN →
Middle111.3%6,57344.4%OPEN →
Middle110.6%7,53731.1%OPEN →
Upper152.8%8,08427.6%OPEN →
Moderate69.7%2,72333.8%OPEN →
Moderate69.1%4,65141.6%OPEN →
—0.0%2,78353.0%OPEN →
Middle110.7%5,62843.1%OPEN →
Moderate78.2%3,55154.5%OPEN →
Low43.8%3,63559.6%OPEN →
Middle89.4%8,20142.5%OPEN →
Middle83.7%4,15951.7%OPEN →
Moderate64.1%6,92754.8%OPEN →
Middle87.1%5,76352.2%OPEN →
Low41.4%3,89866.1%OPEN →
—0.0%280.0%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

1,178,653

Median household income

$105,768

Median home value

$461,300

Median gross rent

$1,623

per month

Owner-occupied

64.1%

of occupied units

Housing units

496,047

7.2% vacant

Poverty rate

8.1%

Unemployment

4.1%

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 95.5

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Hail Relatively High · Heat wave 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

72

Declarations recorded

26

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

Everything we hold on Wake 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 Wake County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Wake County →Every reported application and origination in FIPS 37183, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Wake 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

1,521

—

Purchase share

48.2%

733 loans

IRRRL refinances

567

Cash-out refinances

221

20261,521—733567221
20251,573—937339297
20241,180—780146254
20231,139—82512302
2022——990478921
20215,205—1,2813,339585
20204,827—1,5652,683579
20192,185—1,258380547
20182,152—1,332242578
20172,731—1,323738670
20162,643—1,331804508
20152,439—1,187834418

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 Wake 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

Wake 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

8,392

−12.8% vs 2024

Multifamily · 2025

5,414

−3.8% vs 2024

Total authorized · 2025

13,806

−9.5% vs 2024

Permit valuation · 2025

$3.5B

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
05K10K15K20K199019921994199619982000200220042006200820102012201420162018202020222024202513,806 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 Wake County, showing population movement and wealth transfer.

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

inflow2223Durham County, NC3,5995,610$284.0M
outflow2223Durham County, NC3,4654,950$260.0M
outflow2223Johnston County, NC3,4106,568$228.8M
inflow2223Other flows - South, DS2,1693,619$161.6M
outflow2223Other flows - South, DS2,0123,439$169.6M
inflow2223Johnston County, NC1,9993,461$116.0M
outflow2223Harnett County, NC1,4252,837$98.3M
outflow2223Franklin County, NC1,3712,774$106.0M
inflow2223Other flows - Midwest, DS1,2642,139$106.7M
outflow2223Mecklenburg County, NC1,2251,708$89.4M
inflow2223Mecklenburg County, NC1,0281,491$80.1M
outflow2223Other flows - Midwest, DS9741,623$80.9M
outflow2223Other flows - Northeast, DS8601,416$61.6M
inflow2223Guilford County, NC8031,163$46.6M
inflow2223Orange County, NC7581,118$55.2M
inflow2223Franklin County, NC7261,337$47.3M
inflow2223Other flows - Northeast, DS7131,121$52.1M
outflow2223Chatham County, NC7041,397$110.0M
outflow2223New Hanover County, NC6811,015$85.2M
inflow2223Other flows - West, DS6741,266$59.5M
inflow2223Harnett County, NC6531,145$34.4M
inflow2223Cumberland County, NC6241,010$38.8M
outflow2223Guilford County, NC620962$34.3M
outflow2223Orange County, NC583903$51.7M
outflow2223Other flows - West, DS548882$44.1M
inflow2223Pitt County, NC545815$33.5M
inflow2223New Hanover County, NC524707$36.5M
outflow2223Nash County, NC465881$25.9M
outflow2223Cumberland County, NC430759$20.9M
outflow2223Alamance County, NC410692$28.5M
outflow2223Lee County, NC385675$27.3M
outflow2223Granville County, NC359665$31.7M
outflow2223Brunswick County, NC356615$49.3M
inflow2223Chatham County, NC355595$46.9M
inflow2223Forsyth County, NC349510$24.5M
outflow2223Pitt County, NC348519$17.3M
outflow2223Wilson County, NC324595$16.4M
inflow2223Nash County, NC319541$19.7M
outflow2223Foreign - Overseas, FR319573$34.6M
inflow2223Los Angeles County, CA310513$34.8M
inflow2223Alamance County, NC297488$17.8M
inflow2223Fairfax County, VA295533$36.0M
inflow2223Granville County, NC289522$18.2M
inflow2223Maricopa County, AZ287532$27.6M
inflow2223Miami-Dade County, FL282509$22.9M
outflow2223Forsyth County, NC279431$26.8M
outflow2223New York County, NY272313$27.9M
inflow2223Broward County, FL258457$21.4M
inflow2223Middlesex County, MA257499$35.3M
inflow2223Cook County, IL256417$30.3M
inflow2223Wilson County, NC249428$18.3M
inflow2223Suffolk County, NY246415$21.5M
inflow2223San Diego County, CA240438$24.7M
inflow2223Wayne County, NC239379$15.2M
inflow2223Queens County, NY234413$16.0M
outflow2223King County, WA233297$29.8M
outflow2223Buncombe County, NC232335$38.5M
inflow2223Kings County, NY220348$15.5M
outflow2223Wayne County, NC220398$12.1M
inflow2223Hillsborough County, FL219354$18.5M
outflow2223Cook County, IL216278$17.8M
inflow2223Palm Beach County, FL213349$19.7M
inflow2223Lee County, NC210340$13.6M
outflow2223Fulton County, GA203279$17.8M
inflow2223Onslow County, NC201348$12.4M
inflow2223Foreign - Overseas, FR199435$22.9M
inflow2223New York County, NY193301$30.2M
outflow2223Santa Clara County, CA193260$26.0M
outflow2223Los Angeles County, CA193270$20.6M
inflow2223Moore County, NC193323$15.7M
outflow2223District of Columbia, DC192221$15.8M
outflow2223Travis County, TX191252$21.2M
outflow2223Carteret County, NC191328$24.0M
outflow2223Onslow County, NC190347$14.3M
inflow2223Orange County, FL189346$14.5M
outflow2223Kings County, NY184216$11.4M
inflow2223Brunswick County, NC183285$13.4M
outflow2223Horry County, SC182316$20.4M
inflow2223Buncombe County, NC181256$15.4M
inflow2223Fulton County, GA179284$23.4M
outflow2223Moore County, NC179295$19.6M
inflow2223Santa Clara County, CA178405$42.0M
inflow2223Nassau County, NY172339$18.1M
outflow2223Hillsborough County, FL172294$20.0M
inflow2223Middlesex County, NJ171402$25.2M
outflow2223Harris County, TX171281$12.9M
inflow2223King County, WA169338$32.6M
inflow2223Alameda County, CA162355$28.2M
inflow2223Craven County, NC162254$7.9M
inflow2223Travis County, TX157286$24.8M
outflow2223Maricopa County, AZ157238$14.3M
inflow2223Harris County, TX156275$16.9M
inflow2223Dallas County, TX152248$22.2M
inflow2223Allegheny County, PA151259$22.7M
outflow2223Charleston County, SC150226$17.1M
outflow2223Fairfax County, VA149240$16.3M
inflow2223District of Columbia, DC148208$17.8M
inflow2223Pinellas County, FL147228$12.9M
outflow2223Dallas County, TX145198$12.0M
outflow2223San Diego County, CA144229$15.7M
outflow2223Miami-Dade County, FL143214$11.5M
outflow2223Cabarrus County, NC142232$11.2M
outflow2223Middlesex County, MA142189$12.9M
inflow2223Montgomery County, MD140239$20.9M
inflow2223Union County, NC139214$10.4M
inflow2223Cabarrus County, NC138203$8.4M
inflow2223Vance County, NC136242$7.2M
outflow2223Greenville County, SC134221$12.4M
inflow2223Orange County, CA133274$14.9M
inflow2223Philadelphia County, PA130206$10.8M
inflow2223Bronx County, NY129258$6.4M
inflow2223Carteret County, NC129180$10.3M
outflow2223Vance County, NC129242$6.2M
inflow2223Capitol Planning Region, CT129258$13.8M
outflow2223Craven County, NC128246$12.6M
inflow2223Horry County, SC127163$7.9M
inflow2223Charleston County, SC127178$13.3M
outflow2223Broward County, FL122191$11.5M
outflow2223Montgomery County, MD121177$11.9M
outflow2223Denver County, CO121151$10.8M
inflow2223Duval County, FL120190$22.5M
inflow2223Hudson County, NJ120207$13.5M
outflow2223Orange County, FL119209$17.2M
inflow2223Collin County, TX118239$15.5M
outflow2223Suffolk County, MA116141$13.3M
inflow2223Loudoun County, VA114221$14.8M
inflow2223DeKalb County, GA112172$7.9M
inflow2223Monroe County, NY111178$7.8M
inflow2223Iredell County, NC110162$7.4M
inflow2223Franklin County, OH110176$11.9M
outflow2223Watauga County, NC109151$7.1M
outflow2223Edgecombe County, NC109217$4.2M
outflow2223Palm Beach County, FL108164$10.3M
inflow2223Watauga County, NC108128$4.8M
outflow2223Pender County, NC107199$12.5M
inflow2223Montgomery County, PA106190$13.7M
outflow2223Collin County, TX106229$13.8M
inflow2223Essex County, NJ105220$14.9M
inflow2223Davidson County, TN105155$9.8M
inflow2223Gaston County, NC104154$5.3M
inflow2223Arlington County, VA103148$13.5M
inflow2223Hennepin County, MN103214$15.2M
outflow2223Hudson County, NJ103129$9.6M
inflow2223Prince George's County, MD102172$6.5M
inflow2223Westchester County, NY102189$9.9M
outflow2223Philadelphia County, PA102124$6.9M
inflow2223Bergen County, NJ101193$11.3M
outflow2223Duval County, FL100167$8.1M
inflow2223Suffolk County, MA99140$16.2M
inflow2223Tarrant County, TX99153$9.4M
inflow2223Erie County, NY98160$7.9M
inflow2223Oakland County, MI97195$11.9M
inflow2223El Paso County, CO95172$6.3M
outflow2223Richmond city, VA94123$6.0M
outflow2223Queens County, NY94131$5.5M
outflow2223Davidson County, TN93111$7.4M
inflow2223Cobb County, GA91147$8.1M
inflow2223Gwinnett County, GA91153$6.1M
inflow2223Denver County, CO91134$9.1M
inflow2223Greenville County, SC90157$7.2M
inflow2223Clark County, NV90160$6.0M
outflow2223Allegheny County, PA90131$8.2M
outflow2223Union County, NC90166$9.2M
outflow2223Prince George's County, MD89118$4.0M
outflow2223Cobb County, GA89137$7.2M
inflow2223Sampson County, NC88127$5.4M
inflow2223Edgecombe County, NC88145$3.6M
outflow2223Virginia Beach city, VA88157$9.2M
inflow2223Morris County, NJ87173$11.4M
inflow2223Lee County, FL87150$7.0M
inflow2223Henrico County, VA87156$11.1M
inflow2223Virginia Beach city, VA87140$6.5M
inflow2223Norfolk County, MA86170$11.4M
inflow2223Chesterfield County, VA86144$7.7M
inflow2223Prince William County, VA86160$8.2M
outflow2223Davidson County, NC86151$6.3M
outflow2223Arlington County, VA8594$6.4M
outflow2223Franklin County, OH85142$8.0M
outflow2223Iredell County, NC85137$7.5M
outflow2223DeKalb County, GA85124$6.1M
inflow2223Baltimore County, MD84139$5.9M
inflow2223Richland County, SC83132$4.6M
inflow2223Cuyahoga County, OH82156$8.1M
inflow2223Catawba County, NC81123$5.8M
inflow2223Halifax County, NC81127$4.3M
outflow2223Gwinnett County, GA81142$5.7M
inflow2223Salt Lake County, UT80155$7.2M
inflow2223Anne Arundel County, MD80129$7.3M
inflow2223Worcester County, MA79162$9.3M
outflow2223Pinellas County, FL79123$10.1M
inflow2223Seminole County, FL78143$7.2M
inflow2223Union County, NJ78144$5.6M
inflow2223Randolph County, NC78114$4.9M
inflow2223York County, SC78131$5.4M
inflow2223Dane County, WI78138$8.1M
outflow2223Randolph County, NC75122$4.6M
outflow2223Person County, NC75130$6.3M
outflow2223Clark County, NV75141$5.5M
inflow2223Davidson County, NC75113$4.6M
outflow2223Sampson County, NC74125$3.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Wake County.

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

2023PurchaseNo CharacteristicAll Appraisals13,265.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals2,301.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals15,566.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals480,000.0
2023BothNo CharacteristicAll Appraisals485,000.0
2023PurchaseNo CharacteristicAll Appraisals487,500.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals500,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals510,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals5,690.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals470,000.0
2022BothNo CharacteristicAll Appraisals22,142.0
2022PurchaseNo CharacteristicAll Appraisals16,452.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals418,000.0
2021BothNo CharacteristicAll Appraisals35,992.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals19,497.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals16,495.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021BothNo CharacteristicAll Appraisals417,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals417,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals43,517.0
2020PurchaseNo CharacteristicAll Appraisals19,441.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals376,000.0
2020RefinanceNo CharacteristicAll Appraisals390,000.0
2020RefinanceNo CharacteristicAll Appraisals24,076.0
2020PurchaseNo CharacteristicAll Appraisals360,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals349,900.0
2019PurchaseNo CharacteristicAll Appraisals18,038.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals357,000.0
2019BothNo CharacteristicAll Appraisals29,449.0
2019RefinanceNo CharacteristicAll Appraisals11,411.0
2019PurchaseNo CharacteristicAll Appraisals344,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals302,000.0
2018BothNo CharacteristicAll Appraisals22,328.0
2018PurchaseNo CharacteristicAll Appraisals16,763.0
2018RefinanceNo CharacteristicAll Appraisals5,565.0
2018BothNo CharacteristicAll Appraisals330,000.0
2018PurchaseNo CharacteristicAll Appraisals338,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals305,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals24,008.0
2017PurchaseNo CharacteristicAll Appraisals16,676.0
2017PurchaseNo CharacteristicAll Appraisals325,000.0
2017RefinanceNo CharacteristicAll Appraisals7,332.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals319,000.0
2016PurchaseNo CharacteristicAll Appraisals15,936.0
2016RefinanceNo CharacteristicAll Appraisals328,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals302,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals314,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals29,311.0
2016RefinanceNo CharacteristicAll Appraisals13,375.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals287,300.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals302,000.0
2015BothNo CharacteristicAll Appraisals24,730.0
2015RefinanceNo CharacteristicAll Appraisals10,066.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals14,664.0
2015BothNo CharacteristicAll Appraisals293,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals277,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05692,265671,21021,0553.0%
2026-04693,420672,72420,6963.0%
2026-03695,403674,26521,1383.0%
2026-02694,799671,73923,0603.3%
2026-01691,308667,14824,1603.5%
2025-12693,630673,33520,2952.9%
2025-11695,365672,60022,7653.3%
2025-09695,116673,22421,8923.1%
2025-08691,893667,34424,5493.5%
2025-07705,206680,95024,2563.4%
2025-06691,780668,36223,4183.4%
2025-05689,923668,02121,9023.2%
2025-04688,071668,00120,0702.9%
2025-03686,637664,71121,9263.2%
2025-02683,614661,49822,1163.2%
2025-01685,907663,65522,2523.2%
2024-12679,350659,72419,6262.9%
2024-11682,248660,81621,4323.1%
2024-10684,473664,91819,5552.9%
2024-09684,144664,38619,7582.9%
2024-08683,283659,50123,7823.5%
2024-07696,850672,29724,5533.5%
2024-06685,013661,65523,3583.4%
2024-05682,551661,60220,9493.1%
2024-04680,668661,13619,5322.9%
2024-03681,193659,19022,0033.2%
2024-02675,935653,21022,7253.4%
2024-01675,775653,61522,1603.3%
2023-12675,181655,62319,5582.9%
2023-11676,027655,60220,4253.0%
2023-10676,442656,00520,4373.0%
2023-09675,892656,69919,1932.8%
2023-08675,306653,04822,2583.3%
2023-07686,274664,90221,3723.1%
2023-06677,431656,05521,3763.2%
2023-05668,020648,09419,9263.0%
2023-04663,616646,27217,3442.6%
2023-03667,651647,45420,1973.0%
2023-02662,171641,15821,0133.2%
2023-01658,389637,83420,5553.1%
2022-12653,547636,23217,3152.6%
2022-11653,275633,50819,7673.0%
2022-10656,033635,80420,2293.1%
2022-09655,821637,25718,5642.8%
2022-08658,402636,11622,2863.4%
2022-07668,993647,64121,3523.2%
2022-06655,228633,47621,7523.3%
2022-05650,028630,61819,4103.0%
2022-04646,900629,03917,8612.8%
2022-03649,600630,25919,3413.0%
2022-02644,219623,77220,4473.2%
2022-01638,294616,92121,3733.3%
2021-12633,184616,01217,1722.7%
2021-11630,950610,63520,3153.2%
2021-10627,136606,17720,9593.3%
2021-09619,716599,08320,6333.3%
2021-08618,084593,18124,9034.0%
2021-07622,764596,92925,8354.1%
2021-06613,550586,11427,4364.5%
2021-05602,352577,53224,8204.1%
2021-04598,968574,51124,4574.1%
2021-03597,196570,69326,5034.4%
2021-02592,757564,07928,6784.8%
2021-01589,964560,26229,7025.0%
2020-12590,425561,98128,4444.8%
2020-11590,108562,00328,1054.8%
2020-10592,194563,92328,2714.8%
2020-09585,744553,54032,2045.5%
2020-08585,117549,23135,8866.1%
2020-07591,916543,84348,0738.1%
2020-06584,129532,49251,6378.8%
2020-05568,971509,65459,31710.4%
2020-04551,714486,78364,93111.8%
2020-03582,199559,06723,1324.0%
2020-02608,724589,30319,4213.2%
2020-01605,810585,38520,4253.4%
2019-12602,908585,35217,5562.9%
2019-11605,150586,92918,2213.0%
2019-10609,234590,58518,6493.1%
2019-09604,352586,67217,6802.9%
2019-08604,241582,63721,6043.6%
2019-07609,824587,99921,8253.6%
2019-06602,374580,88221,4923.6%
2019-05597,582577,76019,8223.3%
2019-04594,763576,62318,1403.0%
2019-03600,034579,00421,0303.5%
2019-02596,112574,95421,1583.5%
2019-01593,742571,13022,6123.8%
2018-12591,514572,06519,4493.3%
2018-11592,593573,79518,7983.2%
2018-10595,830576,95318,8773.2%
2018-09588,732571,00017,7323.0%
2018-08589,705568,79720,9083.5%
2018-07597,656576,16521,4913.6%
2018-06593,017571,35021,6673.7%
2018-05589,608570,80518,8033.2%
2018-04586,216567,57218,6443.2%
2018-03587,517566,53920,9783.6%
2018-02583,682561,87421,8083.7%
2018-01579,118557,16921,9493.8%

BEA Personal Income

2024$105.46B1,232,444$86K
2023$97.97B1,203,394$81K
2022$90.98B1,174,107$77K
2021$85.92B1,152,626$75K
2020$74.53B1,130,694$66K
2019$69.02B1,114,114$62K
2018$65.36B1,093,379$60K
2017$59.91B1,073,497$56K
2016$57.02B1,049,825$54K
2015$54.44B1,023,620$53K
2014$50.54B998,828$51K
2013$47.06B974,971$48K
2012$46.51B952,587$49K
2011$43.61B929,083$47K
2010$42.22B906,910$47K
2009$39.92B883,624$45K
2008$40.98B856,492$48K
2007$37.90B821,607$46K
2006$34.78B784,038$44K
2005$30.90B746,048$41K
2004$28.41B716,336$40K
2003$26.65B695,746$38K
2002$25.60B676,392$38K
2001$24.98B656,819$38K
2000$23.15B633,267$37K
1999$20.93B612,728$34K
1998$19.58B592,534$33K
1997$17.83B570,540$31K
1996$16.09B549,005$29K
1995$14.70B526,599$28K
1994$13.43B504,299$27K
1993$12.42B482,940$26K
1992$11.40B463,218$25K
1991——$23K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-07-06$0——Yes
2026-05-26$0——No
2026-05-26$0——No
2026-01-24$0——Yes
2025-08-14$5K$5K$0Yes
2025-08-07$56K$48K$8KYes
2025-08-06$3K$3K$0Yes
2025-08-06$10K$10K$0Yes
2025-07-10$0$0$0Yes
2025-07-10$2K$2K$0Yes
2025-07-08$9K$9K$0No
2024-10-30$0$0$0Yes
2024-10-07$0——Yes
2024-10-07$4K$4K$0No
2024-09-27$68K$68K$0No
2024-09-25$46K$44K$2KYes
2024-09-24$30K$30K$0Yes
2024-09-24$35K$29K$6KYes
2024-09-01$11K$9K$2KYes
2024-08-09$0$0$0Yes
2024-08-08$5K$2K$3KYes
2024-08-08$7K$7K$0Yes
2024-08-08$0$0$0Yes
2024-08-04$68K$68K$0No
2024-01-10$0$0$0Yes
2023-12-18$4K$4K$0Yes
2023-09-07$0——Yes
2023-05-05$0$0$0Yes
2023-04-12$19K$19K$0Yes
2022-07-15$146K$132K$14KNo
2022-07-15$0$0$0No
2022-07-15$3K$3K$0Yes
2022-07-15$92K$92K$0No
2022-07-10$0——Yes
2022-06-20$7K$7K$0Yes
2022-06-17$0——Yes
2022-01-03$15K$14K$620.5Yes
2021-10-09$2K$0$2KYes
2021-10-09$64K$64K$0No
2021-10-09$10K$10K$0Yes
2021-10-09$15K$15K$280.61Yes
2021-10-09$141K$141K$0No
2021-10-09$44K$44K$0No
2021-10-09$3K$3K$0Yes
2021-10-09$323K$323K$0No
2021-10-09$88K$88K$0No
2021-10-09$7K$7K$0No
2021-10-09$265K$265K$0No
2021-10-09$65K$65K$0No
2021-10-08$8K$8K$0Yes
2021-08-17$0——Yes
2021-07-08$20K$20K$0Yes
2021-04-01$3K$3K$0Yes
2021-02-19$5K$5K$0Yes
2020-11-13$21K$20K$707.68Yes
2020-11-12$0——Yes
2020-11-12$6K$6K$0Yes
2020-11-12$32K$32K$0No
2020-11-12$3K$3K$0Yes
2020-10-28$175.01$175.01$0No
2020-10-13$1K$1K$0Yes
2020-08-31$12K$12K$0Yes
2020-08-31$2K$2K$0Yes
2020-08-31$10K$9K$824.03Yes
2020-08-15$0——Yes
2020-08-03$13K$13K$0Yes
2020-07-18$23K$23K$0Yes
2020-07-18$3K$3K$0Yes
2020-07-16$0$0$0Yes
2020-05-28$8K$8K$0Yes
2020-05-24$1K$1K$0Yes
2020-05-18$0——Yes
2020-02-06$7K$7K$0Yes
2020-02-06$7K$7K$0Yes
2020-02-06$0$0$0Yes
2020-02-06$3K$3K$0Yes
2020-02-06$20K$18K$2KYes
2020-01-09$0——Yes
2019-12-15$0——Yes
2019-08-07$64K$64K$0Yes
2019-08-05$6K$6K$0Yes
2019-08-03$10K$10K$0Yes
2019-08-02$6K$6K$0No
2019-08-02$0——Yes
2019-08-02$4K$4K$0Yes
2019-08-02$10K$10K$0Yes
2019-08-02$29K$29K$0Yes
2019-08-02$3K$3K$0Yes
2019-08-01$0——No
2019-06-28$0——Yes
2019-06-09$0——Yes
2019-06-08$13K$13K$0Yes
2019-06-08$19K$17K$1KYes
2018-12-19$24K$24K$0No
2018-12-06$2K$2K$0Yes
2018-11-14$4K$4K$539.4Yes
2018-11-13$39K$32K$7KYes
2018-11-12$58K$58K$0Yes
2018-11-12$286K$286K$0No
2018-11-12$0——No

ALSO CHECKED

18 more data areas were checked for Wake 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 WAKE COUNTY →Opens the loan explorer already filtered to county FIPS 37183.

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.