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State markets/Ohio/Trumbull County

COUNTY MORTGAGE MARKET · FIPS 39155

Trumbull County, Ohio

Who lends in Trumbull 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

$613.6M

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

Originations · 2025

4,424

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

Denial rate · 2025

19.7%

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

Lenders active · 2025

252

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

Concentration (HHI)

579

unconcentrated

Top-5 lender share

47.6%

of originations

Purchase

58.8%

1,940 loans

Refinance

41.2%

1,360 loans

Origination trend

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

Lenders in Trumbull 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 Trumbull 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 TRUMBULL COUNTY

TOP TEN LENDERS IN TRUMBULL 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.

440$76.2M$76.2M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
763$70.5M$70.5M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
568$70.5M$70.5M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
230$37.7M$37.7M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
261$37.1M$37.1M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
183$31.6M$31.6M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
140$24.9M$24.9M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
133$20.2M$20.2M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
91$13.3M$13.3M originated in Trumbull County, 2025Share needs a county-wide denominator, which the narrower fallback source does not carry.
112$12.8M$12.8M originated in Trumbull County, 2025Share 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 Trumbull County

All 31 ZIP Code Tabulation Areas that touch Trumbull 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.
31 OF 31 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
55 of the 10 Trumbull County tracts this ZIP area touches sit mostly inside it.22,16317.1%6,425TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Trumbull County tracts this ZIP area touches sit mostly inside it.18,6726.8%6,602TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Trumbull County tracts this ZIP area touches sit mostly inside it.18,64524.6%4,826TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 Trumbull County tracts this ZIP area touches sit mostly inside it.17,65313.2%4,849TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 16 Trumbull County tracts this ZIP area touches sit mostly inside it.16,75717.8%4,763TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Trumbull County tracts this ZIP area touches sit mostly inside it.16,26515.1%4,735TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Trumbull County tracts this ZIP area touches sit mostly inside it.15,00847.6%3,528TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Trumbull County tracts this ZIP area touches sit mostly inside it.12,9698.5%4,456TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.11,0857.9%3,730TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Trumbull County tracts this ZIP area touches sit mostly inside it.7,5807.9%2,812TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.6,3972.7%1,300OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.6,00141.6%1,274OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Trumbull County tracts this ZIP area touches sit mostly inside it.4,47712.2%1,079OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.3,9787.1%1,387OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.3,9705.9%1,923OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Trumbull County tracts this ZIP area touches sit mostly inside it.3,9536.4%1,285OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Trumbull County tracts this ZIP area touches sit mostly inside it.3,7316.5%1,256OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.2,7836.3%969OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Trumbull County tracts this ZIP area touches sit mostly inside it.2,75412.1%788OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Trumbull County tracts this ZIP area touches sit mostly inside it.2,5417.3%990OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Trumbull County tracts this ZIP area touches sit mostly inside it.2,3404.2%748OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Trumbull County tracts this ZIP area touches sit mostly inside it.2,2558.7%725OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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 Trumbull 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.

54 of Trumbull County’s 54 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 Trumbull County

All 54 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.

54 OF 54 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate77.5%2,80522.8%OPEN →
Moderate55.6%2,42230.9%OPEN →
Moderate61.6%4,43446.5%OPEN →
Moderate76.3%2,03031.3%OPEN →
Moderate59.5%3,56453.5%OPEN →
Middle87.2%5,34137.8%OPEN →
Moderate57.8%3,44331.0%OPEN →
Moderate57.2%1,88329.6%OPEN →
Moderate76.0%2,34313.2%OPEN →
Middle106.9%3,31012.2%OPEN →
Middle89.4%5,77419.9%OPEN →
Moderate66.3%3,77234.1%OPEN →
Moderate78.5%2,7836.3%OPEN →
Middle118.6%2,3404.2%OPEN →
Middle102.8%2,5417.3%OPEN →
Middle95.6%3,2695.5%OPEN →
Middle118.9%3,9536.4%OPEN →
Middle101.8%6,3972.7%OPEN →
Middle103.8%3,7316.5%OPEN →
Middle113.5%4,1227.1%OPEN →
Middle113.3%4,8696.7%OPEN →
Upper125.7%7,0867.1%OPEN →
Upper149.0%6,0247.5%OPEN →
Middle110.7%2,2935.6%OPEN →
Upper121.5%3,9787.1%OPEN →
Upper120.7%3,9705.9%OPEN →
Moderate61.2%4,47712.2%OPEN →
Middle99.7%3,8696.2%OPEN →
Middle111.6%4,3387.8%OPEN →
Middle119.1%2,8909.0%OPEN →
Middle102.7%1,87214.3%OPEN →
Middle101.7%6,00141.6%OPEN →
Middle105.1%5,94516.1%OPEN →
Middle110.4%2,78016.3%OPEN →
Middle90.0%5,68112.1%OPEN →
Middle109.5%3,1728.0%OPEN →
Middle94.4%3,40313.2%OPEN →
Middle97.0%5,60512.2%OPEN →
Middle100.5%2,58011.9%OPEN →
Middle102.0%2,66913.2%OPEN →
Middle94.6%3,39615.6%OPEN →
Upper137.3%2,55612.5%OPEN →
Upper142.8%5,8529.7%OPEN →
Middle114.8%4,20910.9%OPEN →
Moderate70.7%2,2558.7%OPEN →
Moderate70.0%2,75412.1%OPEN →
Middle114.7%4,4087.9%OPEN →
Middle110.5%3,3329.2%OPEN →
Upper125.1%3,8547.7%OPEN →
Middle82.6%4,7547.0%OPEN →
Middle103.3%2,4779.9%OPEN →
Low33.7%2,43935.3%OPEN →
Moderate65.4%1,85919.9%OPEN →
Low35.8%4,07363.5%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

200,929

Median household income

$56,435

Median home value

$141,800

Median gross rent

$797

per month

Owner-occupied

71.3%

of occupied units

Housing units

94,464

8.4% vacant

Poverty rate

16.6%

Unemployment

4.7%

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 84.5

Social vulnerability

Relatively High

Community resilience

Relatively High

ELEVATED PERILS

Tornado Relatively High · Strong wind 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

60

Declarations recorded

12

Incident types on record: Biological, Hurricane, Other, Severe Storm, Snowstorm, Tornado.

Everything we hold on Trumbull 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 Trumbull County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Trumbull CountyEvery reported application and origination in FIPS 39155, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Trumbull 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

259

Purchase share

43.6%

113 loans

IRRRL refinances

84

Cash-out refinances

62

20262591138462
20252821506666
20242151343645
2023187143341
20222004988
202146919321462
202037015516748
20192231551751
20182241411568
20172861586365
20162101125246
20151911063946

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 Trumbull 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

Trumbull 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

112

−11.8% vs 2024

Multifamily · 2025

0

Total authorized · 2025

112

−11.8% vs 2024

Permit valuation · 2025

$29.9M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02505007501K1990199219941996199820002002200420062008201020122014201620182020202220242025112 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 Trumbull County, showing population movement and wealth transfer.

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

outflow2223Foreign - Other flows, FR
inflow2223Foreign - Other flows, FR
outflow2223Mahoning County, OH1,0981,806$45.8M
inflow2223Mahoning County, OH1,0711,825$45.2M
outflow2223Other flows - South, DS624975$34.4M
inflow2223Other flows - South, DS6111,056$35.0M
inflow2223Other flows - Northeast, DS259439$12.6M
inflow2223Portage County, OH249390$10.4M
outflow2223Portage County, OH243379$10.3M
inflow2223Mercer County, PA237399$9.7M
outflow2223Other flows - Northeast, DS201297$9.8M
outflow2223Cuyahoga County, OH195277$8.2M
outflow2223Mercer County, PA179308$10.8M
inflow2223Other flows - West, DS166278$10.1M
outflow2223Summit County, OH159224$7.4M
inflow2223Cuyahoga County, OH156237$7.3M
outflow2223Other flows - West, DS152237$8.4M
outflow2223Other flows - Midwest, DS147240$8.3M
inflow2223Other flows - Midwest, DS139239$9.4M
inflow2223Ashtabula County, OH134246$5.6M
inflow2223Geauga County, OH122254$5.8M
outflow2223Ashtabula County, OH117221$5.4M
outflow2223Franklin County, OH116153$4.9M
inflow2223Summit County, OH116187$4.8M
outflow2223Geauga County, OH94189$4.5M
outflow2223Columbiana County, OH86146$3.1M
inflow2223Columbiana County, OH83131$3.4M
inflow2223Franklin County, OH79127$3.3M
outflow2223Stark County, OH63103$2.8M
inflow2223Stark County, OH5485$2.6M
inflow2223Lake County, OH5180$2.1M
outflow2223Allegheny County, PA5172$2.8M
inflow2223Allegheny County, PA4966$2.3M
outflow2223Lake County, OH4559$2.4M
inflow2223Lawrence County, PA4263$1.8M
outflow2223Medina County, OH3744$1.7M
outflow2223Lawrence County, PA3454$1.1M
outflow2223Lorain County, OH3051$1.6M
inflow2223Pinellas County, FL2344$1.1M
inflow2223Maricopa County, AZ2127$1.3M
outflow2223Lee County, FL2031$1.7M
inflow2223Lorain County, OH2033$808K
outflow2122Foreign - Other flows, FR
inflow2122Foreign - Other flows, FR
inflow2122Mahoning County, OH1,0531,748$40.5M
outflow2122Mahoning County, OH1,0181,677$45.1M
outflow2122Other flows - South, DS6621,110$37.8M
inflow2122Other flows - South, DS6081,079$40.8M
inflow2122Other flows - Northeast, DS239392$11.3M
inflow2122Mercer County, PA234402$9.7M
inflow2122Portage County, OH232389$10.3M
outflow2122Portage County, OH215337$9.9M
outflow2122Cuyahoga County, OH205305$9.2M
inflow2122Other flows - West, DS189340$9.7M
inflow2122Cuyahoga County, OH173291$7.1M
outflow2122Other flows - Northeast, DS172272$7.1M
outflow2122Mercer County, PA170264$6.7M
outflow2122Summit County, OH165223$8.2M
inflow2122Ashtabula County, OH156306$6.4M
outflow2122Other flows - West, DS155228$8.0M
outflow2122Other flows - Midwest, DS143234$8.3M
inflow2122Geauga County, OH137316$6.6M
inflow2122Other flows - Midwest, DS129207$9.0M
inflow2122Summit County, OH124198$5.7M
outflow2122Ashtabula County, OH122215$5.9M
outflow2122Franklin County, OH111146$4.5M
outflow2122Geauga County, OH100193$4.7M
inflow2122Franklin County, OH83142$4.4M
inflow2122Columbiana County, OH76123$2.6M
outflow2122Stark County, OH75119$2.6M
inflow2122Stark County, OH71105$2.8M
outflow2122Columbiana County, OH68108$2.5M
inflow2122Lake County, OH6391$3.0M
outflow2122Lake County, OH5568$2.7M
inflow2122Allegheny County, PA5477$3.2M
inflow2122Lawrence County, PA4688$2.2M
outflow2122Allegheny County, PA4459$2.9M
outflow2122Lawrence County, PA3450$1.2M
inflow2122Maricopa County, AZ2855$1.7M
outflow2122Lorain County, OH2738$1.1M
outflow2122Maricopa County, AZ2638$1.6M
inflow2122Lorain County, OH2333$1.2M
inflow2122Crawford County, PA2235$1.1M
outflow2122Medina County, OH2028$822K
outflow2122Lee County, FL2028$1.6M
outflow2122Pinellas County, FL2030$1.1M
outflow2021Foreign - Other flows, FR
inflow2021Foreign - Other flows, FR
inflow2021Mahoning County, OH1,1051,859$40.5M
outflow2021Mahoning County, OH1,0961,878$40.9M
outflow2021Other flows - South, DS6971,156$37.4M
inflow2021Other flows - South, DS6111,080$28.3M
inflow2021Portage County, OH293531$11.7M
inflow2021Mercer County, PA240390$9.4M
inflow2021Other flows - Northeast, DS232377$10.9M
inflow2021Cuyahoga County, OH220344$7.9M
outflow2021Portage County, OH206345$8.1M
inflow2021Other flows - West, DS182313$11.8M
outflow2021Cuyahoga County, OH179252$7.7M
outflow2021Other flows - Northeast, DS169264$8.9M
outflow2021Mercer County, PA158281$5.2M
inflow2021Ashtabula County, OH150264$5.0M
inflow2021Other flows - Midwest, DS150252$8.6M
outflow2021Other flows - Midwest, DS140227$7.1M
outflow2021Other flows - West, DS138241$11.0M
outflow2021Summit County, OH138193$5.4M
inflow2021Summit County, OH136201$5.4M
inflow2021Geauga County, OH126257$5.5M
outflow2021Ashtabula County, OH119221$4.1M
outflow2021Geauga County, OH105261$5.6M
outflow2021Franklin County, OH95139$4.5M
inflow2021Franklin County, OH92137$3.4M
outflow2021Columbiana County, OH72108$2.6M
inflow2021Stark County, OH69121$2.0M
inflow2021Columbiana County, OH6596$2.9M
outflow2021Stark County, OH5885$2.1M
inflow2021Allegheny County, PA5674$2.4M
outflow2021Lake County, OH5273$2.0M
outflow2021Allegheny County, PA4759$1.8M
inflow2021Lake County, OH4683$2.0M
inflow2021Lawrence County, PA4361$1.7M
outflow2021Lorain County, OH3352$1.1M
inflow2021Maricopa County, AZ3058$1.6M
outflow2021Lee County, FL2946$2.5M
outflow2021Lawrence County, PA2646$967K
inflow2021Lorain County, OH2642$872K
inflow2021Clark County, NV2441$1.2M
outflow2021Maricopa County, AZ2440$1.5M
outflow2021Hamilton County, OH2127$748K
inflow2021Beaver County, PA2147$976K
outflow2021Horry County, SC2138$924K
outflow1920Foreign - Other flows, FR
inflow1920Foreign - Other flows, FR
outflow1920Mahoning County, OH1,0841,932$40.2M
inflow1920Mahoning County, OH1,0191,933$37.4M
outflow1920Other flows - South, DS6681,210$37.7M
inflow1920Other flows - South, DS543987$24.5M
inflow1920Portage County, OH261502$10.1M
inflow1920Other flows - Northeast, DS218364$11.3M
inflow1920Mercer County, PA215393$7.9M
outflow1920Portage County, OH213405$8.4M
outflow1920Cuyahoga County, OH187295$7.5M
outflow1920Other flows - West, DS170272$6.7M
outflow1920Mercer County, PA168309$5.9M
outflow1920Other flows - Midwest, DS159293$10.6M
outflow1920Other flows - Northeast, DS157246$8.0M
inflow1920Cuyahoga County, OH152254$6.2M
inflow1920Summit County, OH151265$5.8M
inflow1920Other flows - West, DS150259$8.1M
outflow1920Summit County, OH143202$6.5M
inflow1920Ashtabula County, OH139257$5.0M
inflow1920Geauga County, OH131344$5.9M
inflow1920Other flows - Midwest, DS119199$5.3M
outflow1920Ashtabula County, OH116248$4.7M
outflow1920Franklin County, OH107167$3.8M
outflow1920Geauga County, OH105239$6.5M
inflow1920Columbiana County, OH70111$2.2M
inflow1920Franklin County, OH70117$2.1M
outflow1920Stark County, OH68113$2.6M
outflow1920Columbiana County, OH6595$2.7M
inflow1920Allegheny County, PA5582$2.0M
inflow1920Stark County, OH5390$1.8M
inflow1920Lawrence County, PA4693$2.0M
outflow1920Allegheny County, PA4558$1.8M
outflow1920Lake County, OH4060$1.5M
inflow1920Lake County, OH3460$1.1M
outflow1920Lorain County, OH3051$1.3M
outflow1920Warren County, KY2959$2.6M
outflow1920Pinellas County, FL2743$1.4M
outflow1920Maricopa County, AZ2538$1.4M
outflow1920Lawrence County, PA2540$1.2M
inflow1920Maricopa County, AZ2341$1.2M
inflow1920Lorain County, OH2140$829K
inflow1920Los Angeles County, CA2130$816K
outflow1819Foreign - Other flows, FR
inflow1819Foreign - Other flows, FR
inflow1819Mahoning County, OH1,0311,835$37.5M
outflow1819Mahoning County, OH9781,740$38.0M
outflow1819Other flows - South, DS6991,237$38.3M
inflow1819Other flows - South, DS506911$29.4M
inflow1819Portage County, OH219400$8.4M
inflow1819Mercer County, PA214388$7.7M
outflow1819Portage County, OH213361$8.4M
outflow1819Other flows - Midwest, DS205407$13.6M
outflow1819Cuyahoga County, OH196284$8.1M
inflow1819Other flows - West, DS168291$8.1M
outflow1819Other flows - West, DS158275$6.9M
outflow1819Summit County, OH156236$6.2M
outflow1819Other flows - Northeast, DS146248$5.6M
inflow1819Other flows - Northeast, DS144257$6.9M
inflow1819Ashtabula County, OH139274$4.8M
outflow1819Mercer County, PA138261$5.2M
inflow1819Cuyahoga County, OH134238$4.9M
inflow1819Geauga County, OH127253$6.0M
outflow1819Ashtabula County, OH125245$4.7M
inflow1819Other flows - Midwest, DS111209$5.0M
inflow1819Summit County, OH108163$3.7M
outflow1819Franklin County, OH92148$4.0M
outflow1819Geauga County, OH89201$4.2M
inflow1819Columbiana County, OH6194$1.9M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Trumbull County.

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

2023PurchaseNo CharacteristicAll Appraisals1,161.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals535.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals1,696.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals172,000.0
2023BothNo CharacteristicAll Appraisals160,000.0
2023PurchaseNo CharacteristicAll Appraisals158,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals154,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals147,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals877.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals165,000.0
2022BothNo CharacteristicAll Appraisals2,358.0
2022PurchaseNo CharacteristicAll Appraisals1,481.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals166,000.0
2021BothNo CharacteristicAll Appraisals3,336.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,700.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals1,636.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals155,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals141,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals2,979.0
2020PurchaseNo CharacteristicAll Appraisals1,515.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals146,000.0
2020RefinanceNo CharacteristicAll Appraisals165,000.0
2020RefinanceNo CharacteristicAll Appraisals1,464.0
2020PurchaseNo CharacteristicAll Appraisals130,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals130,000.0
2019PurchaseNo CharacteristicAll Appraisals1,201.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals148,000.0
2019BothNo CharacteristicAll Appraisals2,053.0
2019RefinanceNo CharacteristicAll Appraisals852.0
2019PurchaseNo CharacteristicAll Appraisals122,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals135,000.0
2018BothNo CharacteristicAll Appraisals2,006.0
2018PurchaseNo CharacteristicAll Appraisals1,245.0
2018RefinanceNo CharacteristicAll Appraisals761.0
2018BothNo CharacteristicAll Appraisals120,000.0
2018PurchaseNo CharacteristicAll Appraisals114,500.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals125,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals1,891.0
2017PurchaseNo CharacteristicAll Appraisals1,090.0
2017PurchaseNo CharacteristicAll Appraisals115,000.0
2017RefinanceNo CharacteristicAll Appraisals801.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals120,000.0
2016PurchaseNo CharacteristicAll Appraisals944.0
2016RefinanceNo CharacteristicAll Appraisals130,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals112,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals118,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals1,689.0
2016RefinanceNo CharacteristicAll Appraisals745.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals110,300.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals122,000.0
2015BothNo CharacteristicAll Appraisals1,643.0
2015RefinanceNo CharacteristicAll Appraisals723.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals920.0
2015BothNo CharacteristicAll Appraisals115,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals116,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0587,20983,6103,5994.1%
2026-0487,72383,6464,0774.6%
2026-0388,34283,3784,9645.6%
2026-0288,71682,8495,8676.6%
2026-0188,01381,8396,1747.0%
2025-1287,97483,4854,4895.1%
2025-1188,06783,7394,3284.9%
2025-0988,18683,7474,4395.0%
2025-0888,53983,5964,9435.6%
2025-0789,18583,7705,4156.1%
2025-0689,15383,8175,3366.0%
2025-0589,10084,0285,0725.7%
2025-0489,83184,1425,6896.3%
2025-0389,63983,9485,6916.3%
2025-0289,19583,1396,0566.8%
2025-0188,61582,5316,0846.9%
2024-1288,80683,8334,9735.6%
2024-1189,20984,7294,4805.0%
2024-1089,39285,2394,1534.6%
2024-0989,30084,8464,4545.0%
2024-0889,46584,8074,6585.2%
2024-0790,38685,3705,0165.5%
2024-0689,96485,0974,8675.4%
2024-0588,81184,5344,2774.8%
2024-0488,82084,4554,3654.9%
2024-0389,42384,4904,9335.5%
2024-0288,73583,6785,0575.7%
2024-0188,02883,0854,9435.6%
2023-1288,03784,2283,8094.3%
2023-1188,53885,0273,5114.0%
2023-1088,33984,7473,5924.1%
2023-0987,92584,3083,6174.1%
2023-0888,30884,4803,8284.3%
2023-0787,73484,0533,6814.2%
2023-0687,52683,7313,7954.3%
2023-0587,22583,7893,4363.9%
2023-0486,96783,6423,3253.8%
2023-0388,28984,0734,2164.8%
2023-0287,71383,1964,5175.1%
2023-0186,99982,3864,6135.3%
2022-1287,48083,7263,7544.3%
2022-1187,50383,9113,5924.1%
2022-1087,80784,0623,7454.3%
2022-0987,30683,4473,8594.4%
2022-0887,36583,0364,3295.0%
2022-0787,84583,4954,3505.0%
2022-0687,70983,2444,4655.1%
2022-0587,14983,6163,5334.1%
2022-0486,88783,1583,7294.3%
2022-0387,27982,8494,4305.1%
2022-0286,91881,9714,9475.7%
2022-0185,99581,0924,9035.7%
2021-1286,63582,9603,6754.2%
2021-1187,27583,6143,6614.2%
2021-1086,90482,9583,9464.5%
2021-0986,51582,0544,4615.2%
2021-0887,49382,3325,1615.9%
2021-0787,79282,0875,7056.5%
2021-0687,77681,5066,2707.1%
2021-0586,46181,2525,2096.0%
2021-0487,76581,1416,6247.5%
2021-0387,03980,4246,6157.6%
2021-0286,97079,3687,6028.7%
2021-0186,17778,7127,4658.7%
2020-1285,96379,6316,3327.4%
2020-1186,83581,0165,8196.7%
2020-1087,88381,5036,3807.3%
2020-0987,93979,9537,9869.1%
2020-0887,54679,1718,3759.6%
2020-0787,74477,41610,32811.8%
2020-0687,51475,66111,85313.5%
2020-0586,14872,16913,97916.2%
2020-0484,28268,38815,89418.9%
2020-0390,20183,5756,6267.3%
2020-0290,72084,9965,7246.3%
2020-0190,43884,0886,3507.0%
2019-1290,56085,5195,0415.6%
2019-1191,51386,4045,1095.6%
2019-1091,13786,2714,8665.3%
2019-0991,20286,1475,0555.5%
2019-0891,51886,0755,4435.9%
2019-0792,37886,5705,8086.3%
2019-0692,18386,6115,5726.0%
2019-0590,80186,0094,7925.3%
2019-0490,73185,6205,1115.6%
2019-0391,43385,4186,0156.6%
2019-0291,22985,5445,6856.2%
2019-0191,32484,8466,4787.1%
2018-1291,64686,2325,4145.9%
2018-1191,88586,8515,0345.5%
2018-1091,97486,8745,1005.5%
2018-0991,07586,1144,9615.4%
2018-0890,79385,5515,2425.8%
2018-0792,46186,8815,5806.0%
2018-0693,17887,7085,4705.9%
2018-0592,64988,1004,5494.9%
2018-0491,83186,6815,1505.6%
2018-0392,11786,4425,6756.2%
2018-0291,91886,0505,8686.4%
2018-0191,31083,5977,7138.4%

BEA Personal Income

2024$10.51B200,300$52K
2023$9.99B200,354$50K
2022$9.38B200,716$47K
2021$9.31B201,594$46K
2020$8.68B201,682$43K
2019$8.06B202,481$40K
2018$8.03B202,510$40K
2017$7.83B203,883$38K
2016$7.64B204,836$37K
2015$7.55B205,947$37K
2014$7.33B207,099$35K
2013$7.13B207,956$34K
2012$7.14B208,318$34K
2011$7.00B209,462$33K
2010$6.55B209,957$31K
2009$6.38B211,290$30K
2008$6.69B212,191$32K
2007$6.60B214,296$31K
2006$6.48B216,185$30K
2005$6.16B217,926$28K
2004$6.08B219,540$28K
2003$5.94B220,889$27K
2002$5.79B222,484$26K
2001$5.70B223,991$25K
2000$5.60B224,912$25K
1999$5.49B226,084$24K
1998$5.37B227,247$24K
1997$5.24B228,165$23K
1996$5.06B228,902$22K
1995$4.84B229,158$21K
1994$4.69B229,851$20K
1993$4.41B229,685$19K
1992$4.28B229,463$19K
1991$18K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-31$0No
2026-03-31$0No
2024-04-02$0$0$0Yes
2023-08-12$6K$5K$1KYes
2022-02-19$10K$10K$0Yes
2022-02-19$54K$54K$0Yes
2022-02-18$6K$6K$0Yes
2022-02-18$6K$6K$0Yes
2021-10-06$0$0$0Yes
2021-08-13$9K$9K$0Yes
2021-08-13$73K$53K$21KYes
2020-03-28$2K$2K$0Yes
2019-09-14$0No
2019-07-21$0Yes
2019-06-16$0$0$0Yes
2019-06-05$7K$5K$1KYes
2018-06-01$0Yes
2018-04-17$5K$2K$3KYes
2018-04-16$5K$5K$0Yes
2018-04-16$3K$3K$0Yes
2018-04-16$11K$11K$0Yes
2018-04-16$19K$19K$0Yes
2018-04-16$30K$29K$1KYes
2018-04-16$16K$16K$0No
2015-06-30$8K$8K$0Yes
2015-06-28$47K$47K$0Yes
2015-06-25$0No
2015-06-15$62K$62K$0No
2015-06-15$0Yes
2015-06-14$5K$5K$0Yes
2015-06-01$0No
2014-05-12$13K$11K$2KYes
2013-10-15$17K$17K$0Yes
2013-07-23$2K$2K$0No
2013-07-13$13K$5K$8KNo
2013-07-12$8K$8K$0Yes
2013-07-12$0Yes
2013-07-12$4K$4K$0No
2013-07-11$21K$21K$0Yes
2013-07-11$25K$25K$0Yes
2013-07-11$8K$7K$513.54No
2013-07-11$4K$3K$1KYes
2013-07-11$2K$2K$0Yes
2013-07-11$5K$5K$0Yes
2013-07-11$26K$22K$4KYes
2013-07-11$10K$10K$0Yes
2013-07-11$12K$8K$3KYes
2013-07-11$5K$5K$0Yes
2013-07-11$3K$3K$0No
2013-07-11$5K$4K$418.71Yes
2013-07-11$9K$9K$0Yes
2013-07-11$18K$18K$0No
2013-07-11$20K$20K$0No
2013-07-11$9K$9K$0Yes
2013-07-11$19K$11K$7KYes
2013-07-11$10K$10K$0No
2013-07-11$6K$5K$959.51Yes
2013-07-11$15K$14K$1KYes
2013-07-11$28K$28K$0No
2013-07-11$16K$16K$0Yes
2013-07-11$55K$39K$16KYes
2013-07-11$51K$51K$0Yes
2013-07-11$9K$9K$0Yes
2013-07-11$8K$7K$1KYes
2013-07-11$71K$71K$0Yes
2013-07-10$0Yes
2013-07-10$4K$4K$0Yes
2013-07-10$15K$15K$0No
2013-07-10$38K$31K$7KYes
2013-07-10$3K$3K$0Yes
2013-07-10$3K$3K$0Yes
2013-07-10$0Yes
2013-07-10$4K$4K$0Yes
2013-07-10$1K$1K$0Yes
2013-07-10$2K$2K$0Yes
2013-07-10$4K$4K$0Yes
2013-03-08$572.98$572.98$0Yes
2013-01-28$14K$14K$0No
2012-05-08$11K$10K$580.21Yes
2012-05-07$30K$0$30KNo
2012-02-29$989.85$989.85$0Yes
2012-02-28$0Yes
2011-12-31$0Yes
2011-05-13$19K$19K$0No
2011-03-03$3K$3K$0No
2011-03-01$2K$2K$0Yes
2011-03-01$7K$7K$0No
2011-03-01$15K$15K$0Yes
2011-02-28$8K$8K$0No
2011-02-28$11K$11K$0Yes
2011-02-28$90K$29K$61KNo
2011-02-28$3K$3K$0No
2011-02-28$3K$3K$0Yes
2011-02-28$8K$8K$0Yes
2011-02-28$674.75$674.75$0No
2011-02-28$2K$2K$0Yes
2011-02-28$5K$5K$0Yes
2011-02-27$10K$10K$0No
2011-02-27$28K$0$28KNo
2011-02-27$4K$4K$0Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN TRUMBULL COUNTYOpens the loan explorer already filtered to county FIPS 39155.

See the Ohio state market profile for the statewide picture, the Ohio 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.