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State markets/Pennsylvania/Berks County

COUNTY MORTGAGE MARKET · FIPS 42011

Berks County, Pennsylvania

Who lends in Berks 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

$1.97B

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

Originations · 2025

9,494

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

Denial rate · 2025

19.8%

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

Lenders active · 2025

417

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

Concentration (HHI)

195

unconcentrated

Top-5 lender share

23.4%

of originations

Purchase

59.4%

4,174 loans

Refinance

40.6%

2,855 loans

Origination trend

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

Lenders in Berks 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 Berks 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 BERKS COUNTY →

TOP TEN LENDERS IN BERKS 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.

407$110.1M$110.1M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
528$100.9M$100.9M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
375$99.9M$99.9M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
282$76.7M$76.7M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
291$73.6M$73.6M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
272$59.4M$59.4M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
363$55.4M$55.4M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
536$52.4M$52.4M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
206$47.5M$47.5M originated in Berks County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
222$45.7M$45.7M originated in Berks 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 Berks County

All 64 ZIP Code Tabulation Areas that touch Berks 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.
64 OF 64 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1010 of the 15 Berks County tracts this ZIP area touches sit mostly inside it.34,86628.8%9,985——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Berks County tracts this ZIP area touches sit mostly inside it.30,22585.3%4,003——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Berks County tracts this ZIP area touches sit mostly inside it.27,76982.3%3,805——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Berks County tracts this ZIP area touches sit mostly inside it.26,78524.5%7,362——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Berks County tracts this ZIP area touches sit mostly inside it.23,57783.8%1,952——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Berks County tracts this ZIP area touches sit mostly inside it.23,06129.5%6,039——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.22,73523.0%6,814——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.19,1167.8%6,234——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Berks County tracts this ZIP area touches sit mostly inside it.18,42512.2%5,799——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 12 Berks County tracts this ZIP area touches sit mostly inside it.16,09738.1%4,895——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Berks County tracts this ZIP area touches sit mostly inside it.15,2968.4%5,171——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.14,60112.8%4,387——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.13,92937.3%4,148——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.13,87114.2%3,904——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.12,14810.7%3,483——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Berks County tracts this ZIP area touches sit mostly inside it.10,2489.9%2,958——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Berks County tracts this ZIP area touches sit mostly inside it.10,13454.9%1,744——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.9,5177.3%2,884——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 7 Berks County tracts this ZIP area touches sit mostly inside it.9,47910.9%2,935——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Berks County tracts this ZIP area touches sit mostly inside it.8,66017.8%2,473——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Berks County tracts this ZIP area touches sit mostly inside it.7,94416.1%2,685——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Berks County tracts this ZIP area touches sit mostly inside it.7,65814.1%2,338——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Berks County tracts this ZIP area touches sit mostly inside it.7,6089.7%2,304——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Berks County tracts this ZIP area touches sit mostly inside it.6,65816.9%1,818——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.5,9158.1%1,655——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 6 Berks County tracts this ZIP area touches sit mostly inside it.5,71713.5%1,851——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 6 Berks County tracts this ZIP area touches sit mostly inside it.5,26127.6%1,620——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.4,4449.7%1,565——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Berks County tract this ZIP area touches sit mostly inside it.4,2976.3%1,343——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.4,28810.4%1,189——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Berks County tracts this ZIP area touches sit mostly inside it.3,8106.1%1,325——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Berks County tracts this ZIP area touches sit mostly inside it.1,6169.3%421——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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 Berks 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.

107 of Berks County’s 107 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 Berks County

All 107 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.

107 OF 107 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low37.0%6,07682.2%OPEN →
Low32.2%4,04180.3%OPEN →
Moderate68.4%2,37376.0%OPEN →
Moderate63.0%4,11481.5%OPEN →
Moderate59.6%3,70278.5%OPEN →
Middle96.2%3,44958.2%OPEN →
Moderate60.0%4,36183.2%OPEN →
Moderate53.6%4,65888.9%OPEN →
Low43.8%3,01877.4%OPEN →
Low45.7%3,51091.4%OPEN →
Moderate52.1%4,44892.0%OPEN →
Moderate77.7%1,85494.0%OPEN →
Low35.0%3,51485.3%OPEN →
Low36.1%4,83389.9%OPEN →
Moderate50.5%3,89788.3%OPEN →
Moderate55.3%2,86983.1%OPEN →
Moderate57.5%3,35389.9%OPEN →
Middle88.5%3,00668.4%OPEN →
Low47.6%2,86082.0%OPEN →
Moderate55.5%1,44371.4%OPEN →
Moderate60.5%3,26878.3%OPEN →
Low47.8%3,29084.3%OPEN →
Low38.1%2,28288.6%OPEN →
Low40.3%2,30285.6%OPEN →
Low39.5%3,49988.3%OPEN →
Low25.1%3,45680.3%OPEN →
Middle94.8%2,12545.3%OPEN →
Moderate61.4%3,51153.9%OPEN →
Middle118.0%5,9158.1%OPEN →
Middle98.1%4,4449.7%OPEN →
Middle92.5%5,20910.9%OPEN →
Upper120.4%3,02713.7%OPEN →
Middle100.8%2,02315.5%OPEN →
Upper136.0%6,63718.5%OPEN →
Moderate79.0%1,6169.3%OPEN →
Middle104.5%7,2218.3%OPEN →
Middle104.1%6,65816.9%OPEN →
Middle92.4%2,77614.8%OPEN →
Upper142.6%6,23017.1%OPEN →
Upper124.0%2,94112.1%OPEN →
Middle116.4%4,72220.2%OPEN →
Middle118.7%1,95310.6%OPEN →
Middle98.0%5,94839.3%OPEN →
Upper173.5%3,64616.6%OPEN →
Middle82.3%4,28632.5%OPEN →
Upper136.1%6,06221.5%OPEN →
Middle116.6%3,79726.4%OPEN →
Middle102.7%5,26127.6%OPEN →
Middle113.2%4,76525.1%OPEN →
Moderate78.9%2,53036.2%OPEN →
Upper175.6%5,58114.7%OPEN →
Moderate66.0%4,55340.2%OPEN →
Middle91.3%3,00132.4%OPEN →
Middle99.9%5,47526.6%OPEN →
Middle105.6%2,92719.0%OPEN →
Middle112.4%5,53630.7%OPEN →
Middle113.9%4,54515.9%OPEN →
Upper132.8%5,53814.0%OPEN →
Upper134.8%4,6028.4%OPEN →
Upper125.2%4,28810.4%OPEN →
Upper131.6%2,5277.7%OPEN →
Middle106.8%5,0119.4%OPEN →
Middle95.5%5,10613.2%OPEN →
Upper133.3%3,88610.1%OPEN →
Upper148.0%5,17514.9%OPEN →
Upper141.2%3,41114.3%OPEN →
Upper125.6%4,81016.7%OPEN →
Middle87.4%2,39716.1%OPEN →
Upper147.2%2,19513.6%OPEN →
Middle108.8%6,75720.8%OPEN →
Middle85.1%1,89221.7%OPEN →
Middle110.4%2,5009.0%OPEN →
Middle117.0%3,13024.5%OPEN →
Upper135.5%4,91418.7%OPEN →
Upper141.3%3,57316.3%OPEN →
Moderate69.4%3,31842.7%OPEN →
Middle88.3%4,63824.6%OPEN →
Middle85.1%7,85346.6%OPEN →
Middle95.5%2,24248.2%OPEN →
Moderate68.6%2,54355.9%OPEN →
Middle110.8%5,07630.2%OPEN →
Upper122.9%4,20131.6%OPEN →
Middle87.3%4,27743.4%OPEN →
Middle108.4%3,83411.9%OPEN →
Upper138.0%3,8106.1%OPEN →
Middle101.5%6,7679.5%OPEN →
Middle96.3%5,1125.8%OPEN →
Middle90.5%4,2648.8%OPEN →
Middle101.2%2,9627.0%OPEN →
Middle104.8%6,5557.4%OPEN →
Middle112.1%2,9735.7%OPEN →
Upper132.4%3,9985.3%OPEN →
Middle108.3%3,6465.6%OPEN →
Upper127.1%3,82319.8%OPEN →
Upper162.0%3,41716.8%OPEN →
Upper132.0%4,52715.6%OPEN →
Middle95.8%4,04912.9%OPEN →
Middle99.0%3,6039.6%OPEN →
Middle93.5%3,8358.5%OPEN →
Middle89.0%4,27010.9%OPEN →
Middle107.5%4,2976.3%OPEN →
Middle109.5%3,4608.0%OPEN →
Middle114.0%4,16212.9%OPEN →
—0.0%——OPEN →
Middle91.3%4,52610.8%OPEN →
Middle101.9%3,07113.0%OPEN →
Middle91.9%4,5377.4%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

433,015

Median household income

$79,777

Median home value

$257,300

Median gross rent

$1,181

per month

Owner-occupied

71.3%

of occupied units

Housing units

171,580

4.9% vacant

Poverty rate

12.2%

Unemployment

5.4%

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 92.7

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Tornado Relatively High · Strong wind Relatively High · Winter weather Very High · Drought 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

23

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

Everything we hold on Berks 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 Berks County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Berks County →Every reported application and origination in FIPS 42011, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Berks 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

343

—

Purchase share

39.4%

135 loans

IRRRL refinances

136

Cash-out refinances

72

2026343—13513672
2025341—1598597
2024243—1423764
2023264—181281
2022——237117154
2021929—272548109
2020801—27443394
2019426—26657103
2018469—29466109
2017558—299143116
2016512—259140113
2015444—22513386

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 Berks 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

Berks 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

335

+56.5% vs 2024

Multifamily · 2025

247

+35.0% vs 2024

Total authorized · 2025

582

+46.6% vs 2024

Permit valuation · 2025

$120.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
06251.3K1.9K2.5K1990199219941996199820002002200420062008201020122014201620182020202220242025582 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 Berks County, showing population movement and wealth transfer.

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

outflow2223Other flows - South, DS1,1872,088$94.4M
inflow2223Montgomery County, PA1,0231,723$71.1M
inflow2223Other flows - South, DS8751,462$58.5M
outflow2223Montgomery County, PA7911,189$53.3M
outflow2223Lancaster County, PA7651,224$45.1M
inflow2223Lancaster County, PA5711,003$34.5M
inflow2223Lehigh County, PA546855$28.5M
inflow2223Chester County, PA534818$36.8M
outflow2223Lehigh County, PA490766$28.2M
outflow2223Other flows - Northeast, DS480736$32.4M
outflow2223Chester County, PA408607$28.1M
inflow2223Other flows - Northeast, DS376611$18.6M
outflow2223Schuylkill County, PA375697$18.6M
outflow2223Philadelphia County, PA331454$16.7M
outflow2223Lebanon County, PA326576$17.6M
inflow2223Philadelphia County, PA308503$20.0M
inflow2223Bronx County, NY301616$9.4M
inflow2223Lebanon County, PA270494$13.4M
outflow2223Other flows - West, DS265356$14.4M
outflow2223Other flows - Midwest, DS255440$16.1M
inflow2223Schuylkill County, PA255423$14.5M
inflow2223Other flows - West, DS225398$17.2M
inflow2223Other flows - Midwest, DS209341$11.3M
inflow2223Kings County, NY179350$6.5M
inflow2223Queens County, NY161301$5.8M
inflow2223Bucks County, PA157286$11.3M
inflow2223Northampton County, PA152221$8.7M
outflow2223Northampton County, PA142227$7.7M
inflow2223New York County, NY127249$5.3M
outflow2223Dauphin County, PA123189$6.7M
outflow2223Bucks County, PA116176$8.9M
outflow2223York County, PA115189$6.1M
outflow2223Bronx County, NY101201$2.3M
inflow2223Delaware County, PA89155$7.0M
outflow2223Delaware County, PA85121$5.5M
inflow2223York County, PA77114$4.2M
inflow2223Dauphin County, PA74122$5.6M
outflow2223Allegheny County, PA73102$4.0M
outflow2223Foreign - Puerto Rico, FR69104$1.1M
outflow2223New York County, NY68104$3.6M
outflow2223Sussex County, DE61109$5.9M
outflow2223Kings County, NY61105$3.1M
outflow2223Cumberland County, PA6197$3.1M
outflow2223Hillsborough County, FL6095$2.7M
inflow2223Foreign - Puerto Rico, FR57126$720K
inflow2223Luzerne County, PA5692$2.1M
outflow2223Orange County, FL55103$2.6M
outflow2223Queens County, NY5581$2.3M
outflow2223Luzerne County, PA55106$3.0M
inflow2223Hudson County, NJ5099$3.0M
outflow2223New Castle County, DE4966$2.5M
outflow2223Horry County, SC4978$3.4M
inflow2223Middlesex County, NJ4890$2.5M
inflow2223Monroe County, PA4467$2.4M
inflow2223Passaic County, NJ4275$1.5M
inflow2223Suffolk County, NY4177$1.7M
inflow2223Orange County, FL4178$1.1M
outflow2223Polk County, FL4079$1.6M
outflow2223Foreign - Other flows, FR4077$3.1M
outflow2223Osceola County, FL3870$1.3M
outflow2223Broward County, FL3652$2.4M
outflow2223Mecklenburg County, NC3655$1.9M
outflow2223Northumberland County, PA3665$1.4M
inflow2223Nassau County, NY3560$1.4M
inflow2223Carbon County, PA3548$1.9M
outflow2223Carbon County, PA3559$1.9M
inflow2223Cumberland County, PA3447$1.6M
outflow2223Maricopa County, AZ3452$2.3M
inflow2223Burlington County, NJ3364$1.5M
outflow2223Pinellas County, FL3348$2.0M
outflow2223Miami-Dade County, FL3252$1.1M
outflow2223Hudson County, NJ3243$1.6M
inflow2223New Castle County, DE3154$1.4M
inflow2223Hillsborough County, FL3154$894K
inflow2223Essex County, NJ3170$1.2M
outflow2223Middlesex County, NJ2946$984K
outflow2223Los Angeles County, CA2945$2.7M
inflow2223Essex County, MA2947$689K
inflow2223Allegheny County, PA2940$1.7M
inflow2223Miami-Dade County, FL2852$1.2M
inflow2223Camden County, NJ2844$2.0M
outflow2223Suffolk County, NY2742$1.3M
inflow2223Westchester County, NY2740$1.5M
outflow2223Pasco County, FL2651$1.4M
inflow2223Polk County, FL2655$645K
outflow2223Lee County, FL2642$3.5M
outflow2223Marion County, FL2554$1.7M
inflow2223Union County, NJ2543$1.3M
outflow2223Camden County, NJ2535$1.9M
inflow2223Broward County, FL2446$966K
inflow2223Foreign - Other flows, FR2443$1.2M
outflow2223San Diego County, CA2436$1.8M
outflow2223Harris County, TX2352$1.6M
inflow2223Lackawanna County, PA2330$549K
outflow2223El Paso County, CO2329$1.2M
outflow2223Palm Beach County, FL2338$2.4M
outflow2223Burlington County, NJ2337$1.5M
outflow2223Centre County, PA2328$939K
outflow2223Lycoming County, PA2334$960K
outflow2223Monroe County, PA2334$1.2M
inflow2223Los Angeles County, CA2340$1.6M
inflow2223Sussex County, DE2234$1.3M
outflow2223District of Columbia, DC2226$1.3M
inflow2223Maricopa County, AZ2238$1.6M
outflow2223Passaic County, NJ2236$480K
outflow2223Montgomery County, MD2126$1.2M
outflow2223Wake County, NC2139$1.7M
outflow2223Essex County, NJ2146$875K
inflow2223Richmond County, NY2144$1.2M
inflow2223Atlantic County, NJ2042$1.2M
inflow2223Lycoming County, PA2031$880K
inflow2223Providence County, RI2035$676K
inflow2223Pinellas County, FL2031$875K
inflow2223Osceola County, FL2037$870K
inflow2223San Diego County, CA2032$1.1M
outflow2223Sarasota County, FL2038$2.6M
outflow2223Lackawanna County, PA2033$612K
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS1,2002,165$94.0M
inflow2122Montgomery County, PA1,1251,888$65.7M
inflow2122Other flows - South, DS8821,549$55.1M
outflow2122Montgomery County, PA7971,254$50.6M
outflow2122Lancaster County, PA6541,038$40.4M
inflow2122Lancaster County, PA6521,111$37.2M
inflow2122Lehigh County, PA568964$31.6M
outflow2122Other flows - Northeast, DS523839$35.7M
inflow2122Chester County, PA494831$34.4M
outflow2122Chester County, PA454723$30.4M
outflow2122Lehigh County, PA446682$28.4M
inflow2122Other flows - Northeast, DS417732$38.3M
outflow2122Schuylkill County, PA414727$22.0M
inflow2122Bronx County, NY347633$12.5M
inflow2122Philadelphia County, PA336590$18.6M
outflow2122Lebanon County, PA311547$15.0M
outflow2122Other flows - Midwest, DS305544$21.3M
inflow2122Lebanon County, PA294508$14.5M
outflow2122Other flows - West, DS277427$22.6M
outflow2122Philadelphia County, PA274375$24.9M
inflow2122Schuylkill County, PA245396$11.5M
inflow2122Other flows - West, DS221365$15.3M
inflow2122Other flows - Midwest, DS188329$15.3M
inflow2122Bucks County, PA187314$12.7M
inflow2122Kings County, NY179353$7.5M
inflow2122Northampton County, PA177324$10.9M
inflow2122Queens County, NY165307$7.5M
outflow2122Dauphin County, PA130202$11.2M
inflow2122Delaware County, PA128212$7.9M
outflow2122Northampton County, PA122180$6.5M
outflow2122York County, PA112207$5.8M
outflow2122Bucks County, PA105158$6.9M
inflow2122New York County, NY103162$9.9M
outflow2122Delaware County, PA90137$7.1M
outflow2122Sussex County, DE81148$9.2M
outflow2122Foreign - Puerto Rico, FR77116$975K
outflow2122Orange County, FL74141$2.5M
outflow2122Bronx County, NY72149$1.9M
outflow2122Polk County, FL72158$3.2M
inflow2122Dauphin County, PA72105$3.2M
inflow2122York County, PA71117$3.4M
outflow2122Allegheny County, PA6682$3.6M
outflow2122Kings County, NY6090$2.6M
outflow2122Luzerne County, PA60110$3.2M
outflow2122Horry County, SC58114$4.6M
outflow2122Cumberland County, PA5691$4.4M
outflow2122New Castle County, DE5590$3.7M
outflow2122New York County, NY5274$3.3M
inflow2122Luzerne County, PA5191$3.3M
outflow2122Hillsborough County, FL5195$4.7M
inflow2122Suffolk County, NY4692$2.2M
inflow2122Allegheny County, PA4159$3.2M
outflow2122Maricopa County, AZ4060$2.1M
inflow2122Hudson County, NJ4065$1.3M
inflow2122Orange County, FL4064$1.5M
outflow2122Northumberland County, PA3977$1.2M
inflow2122Passaic County, NJ3875$1.4M
inflow2122Middlesex County, NJ3870$2.1M
inflow2122Monroe County, PA3763$2.3M
outflow2122Los Angeles County, CA3744$2.7M
inflow2122Hillsborough County, FL3765$1.4M
outflow2122Palm Beach County, FL3759$3.5M
outflow2122Carbon County, PA3760$1.9M
outflow2122Queens County, NY3658$1.4M
inflow2122Cumberland County, PA3656$2.6M
outflow2122Pinellas County, FL3449$1.5M
inflow2122New Castle County, DE3440$1.4M
inflow2122Essex County, NJ3366$1.9M
outflow2122Monroe County, PA3256$1.7M
outflow2122Lackawanna County, PA3251$1.7M
inflow2122Foreign - Other flows, FR3162$1.2M
inflow2122Sussex County, DE3152$3.1M
inflow2122Nassau County, NY3156$1.2M
outflow2122Harris County, TX3162$1.5M
outflow2122Osceola County, FL3149$2.0M
outflow2122Volusia County, FL3056$2.5M
inflow2122Maricopa County, AZ3049$1.6M
inflow2122Los Angeles County, CA3045$1.7M
inflow2122San Diego County, CA2948$3.1M
inflow2122Carbon County, PA2945$944K
outflow2122Lee County, FL2849$3.1M
outflow2122Pasco County, FL2860$1.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Berks County.

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

2023PurchaseNo CharacteristicAll Appraisals2,711.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals891.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals3,602.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals260,000.0
2023BothNo CharacteristicAll Appraisals265,000.0
2023PurchaseNo CharacteristicAll Appraisals265,000.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals245,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals240,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals1,651.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals255,000.0
2022BothNo CharacteristicAll Appraisals5,249.0
2022PurchaseNo CharacteristicAll Appraisals3,598.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals262,000.0
2021BothNo CharacteristicAll Appraisals7,988.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals4,536.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals3,452.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals241,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals225,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals7,269.0
2020PurchaseNo CharacteristicAll Appraisals4,105.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals229,000.0
2020RefinanceNo CharacteristicAll Appraisals256,000.0
2020RefinanceNo CharacteristicAll Appraisals3,164.0
2020PurchaseNo CharacteristicAll Appraisals205,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals207,000.0
2019PurchaseNo CharacteristicAll Appraisals3,373.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals230,500.0
2019BothNo CharacteristicAll Appraisals5,187.0
2019RefinanceNo CharacteristicAll Appraisals1,814.0
2019PurchaseNo CharacteristicAll Appraisals192,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals213,500.0
2018BothNo CharacteristicAll Appraisals4,265.0
2018PurchaseNo CharacteristicAll Appraisals2,984.0
2018RefinanceNo CharacteristicAll Appraisals1,281.0
2018BothNo CharacteristicAll Appraisals196,000.0
2018PurchaseNo CharacteristicAll Appraisals188,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals206,400.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals4,655.0
2017PurchaseNo CharacteristicAll Appraisals2,909.0
2017PurchaseNo CharacteristicAll Appraisals185,000.0
2017RefinanceNo CharacteristicAll Appraisals1,746.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals194,000.0
2016PurchaseNo CharacteristicAll Appraisals2,772.0
2016RefinanceNo CharacteristicAll Appraisals218,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals183,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals5,083.0
2016RefinanceNo CharacteristicAll Appraisals2,311.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals171,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals210,000.0
2015BothNo CharacteristicAll Appraisals4,785.0
2015RefinanceNo CharacteristicAll Appraisals2,100.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals2,685.0
2015BothNo CharacteristicAll Appraisals187,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals179,500.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05223,950214,6139,3374.2%
2026-04222,286213,5508,7363.9%
2026-03220,992211,5359,4574.3%
2026-02219,571209,21410,3574.7%
2026-01220,003210,2199,7844.4%
2025-12220,183211,7998,3843.8%
2025-11220,849211,8808,9694.1%
2025-09219,093208,96710,1264.6%
2025-08219,849207,51312,3365.6%
2025-07219,467208,53610,9315.0%
2025-06219,489209,16910,3204.7%
2025-05218,940209,9528,9884.1%
2025-04218,918210,7138,2053.7%
2025-03219,085209,6589,4274.3%
2025-02218,106208,1989,9084.5%
2025-01217,803208,2849,5194.4%
2024-12217,524209,8707,6543.5%
2024-11218,324210,4047,9203.6%
2024-10219,562211,4038,1593.7%
2024-09218,700210,9127,7883.6%
2024-08220,769210,40110,3684.7%
2024-07222,363212,4339,9304.5%
2024-06220,031210,7279,3044.2%
2024-05219,703211,9747,7293.5%
2024-04219,085212,0357,0503.2%
2024-03218,877210,5438,3343.8%
2024-02218,787209,5389,2494.2%
2024-01218,436209,6798,7574.0%
2023-12218,383211,0507,3333.4%
2023-11221,243213,8897,3543.3%
2023-10220,505212,5417,9643.6%
2023-09220,106212,3627,7443.5%
2023-08221,828211,8799,9494.5%
2023-07220,786212,0608,7264.0%
2023-06219,568210,7688,8004.0%
2023-05219,108211,4597,6493.5%
2023-04217,452210,7186,7343.1%
2023-03216,860208,9917,8693.6%
2023-02216,276207,4388,8384.1%
2023-01216,083207,4588,6254.0%
2022-12215,436208,5206,9163.2%
2022-11215,526208,1957,3313.4%
2022-10216,901209,0357,8663.6%
2022-09215,099207,5107,5893.5%
2022-08217,458206,72110,7374.9%
2022-07217,595207,7459,8504.5%
2022-06217,845207,75210,0934.6%
2022-05217,254208,5538,7014.0%
2022-04214,615206,4788,1373.8%
2022-03214,954205,9958,9594.2%
2022-02213,801204,1229,6794.5%
2022-01212,591202,32910,2624.8%
2021-12211,271203,4877,7843.7%
2021-11212,679203,7168,9634.2%
2021-10213,588202,80010,7885.1%
2021-09211,930201,04910,8815.1%
2021-08213,960200,19313,7676.4%
2021-07215,816201,54914,2676.6%
2021-06215,615200,64714,9686.9%
2021-05213,975200,40713,5686.3%
2021-04212,187198,72013,4676.3%
2021-03213,895199,26514,6306.8%
2021-02215,083199,15615,9277.4%
2021-01215,447199,06116,3867.6%
2020-12217,293200,52416,7697.7%
2020-11216,919200,79916,1207.4%
2020-10218,458201,83716,6217.6%
2020-09217,421198,27419,1478.8%
2020-08218,280197,19221,0889.7%
2020-07219,481194,57924,90211.3%
2020-06219,119191,98227,13712.4%
2020-05214,156184,11730,03914.0%
2020-04207,232171,87635,35617.1%
2020-03216,711205,48711,2245.2%
2020-02218,472208,5119,9614.6%
2020-01218,278208,16510,1134.6%
2019-12217,930209,3328,5983.9%
2019-11218,707210,2228,4853.9%
2019-10219,583210,7278,8564.0%
2019-09219,585211,0638,5223.9%
2019-08221,738211,05910,6794.8%
2019-07222,838212,24910,5894.8%
2019-06221,385211,7249,6614.4%
2019-05220,235211,4438,7924.0%
2019-04217,885209,8318,0543.7%
2019-03218,815209,2699,5464.4%
2019-02219,646209,48110,1654.6%
2019-01217,979207,81710,1624.7%
2018-12216,838208,5998,2393.8%
2018-11217,117209,1667,9513.7%
2018-10216,929208,5638,3663.9%
2018-09217,157208,7448,4133.9%
2018-08217,961207,74410,2174.7%
2018-07220,746210,53210,2144.6%
2018-06219,469209,5949,8754.5%
2018-05217,232208,8298,4033.9%
2018-04214,538206,0828,4563.9%
2018-03215,062205,5359,5274.4%
2018-02215,604204,86510,7395.0%
2018-01214,320203,85010,4704.9%

BEA Personal Income

2024$27.64B439,117$63K
2023$26.47B435,284$61K
2022$25.28B432,281$58K
2021$24.96B429,698$58K
2020$23.31B428,693$54K
2019$21.34B427,505$50K
2018$20.56B426,766$48K
2017$19.58B423,190$46K
2016$18.95B420,730$45K
2015$18.55B419,264$44K
2014$17.75B417,908$42K
2013$17.10B416,481$41K
2012$17.20B415,286$41K
2011$16.55B413,989$40K
2010$15.76B412,233$38K
2009$15.01B409,904$37K
2008$15.37B407,737$38K
2007$14.85B405,223$37K
2006$14.18B401,834$35K
2005$13.32B395,933$34K
2004$12.68B390,848$32K
2003$12.24B385,846$32K
2002$11.86B381,338$31K
2001$11.53B377,487$31K
2000$11.03B374,546$29K
1999$10.30B370,942$28K
1998$9.88B367,082$27K
1997$9.43B363,739$26K
1996$9.03B360,380$25K
1995$8.60B357,193$24K
1994$8.24B354,092$23K
1993$7.85B350,186$22K
1992$7.50B346,050$22K
1991——$20K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-02-20$7K$7K$0Yes
2025-07-02$25K$24K$1KYes
2025-07-01$3K$3K$0No
2025-07-01$918K$500K$418KNo
2025-07-01$22K$22K$0Yes
2025-07-01$3K$3K$0Yes
2025-07-01$0——Yes
2025-07-01$30K$13K$17KNo
2025-07-01$28K$28K$0Yes
2025-06-30$76K$27K$49KYes
2025-06-06$11K$11K$0Yes
2024-07-22$0$0$0No
2023-12-18$0$0$0Yes
2023-08-04$0$0$0No
2023-08-01$2K$2K$0Yes
2023-07-19$0——Yes
2023-07-16$19K$16K$4KYes
2023-07-10$11K$11K$0Yes
2023-07-10$15K$15K$0No
2023-07-09$3K$3K$0Yes
2023-07-09$0——Yes
2023-07-09$34K$34K$0Yes
2023-07-09$72K$72K$0No
2023-07-09$8K$8K$0Yes
2023-07-09$10K$10K$0Yes
2023-07-09$45K$45K$0No
2023-07-09$46K$46K$0Yes
2023-07-09$7K$7K$0Yes
2023-07-09$40K$40K$0Yes
2023-07-09$6K$6K$0Yes
2023-07-09$0——Yes
2023-07-09$28K$27K$1KYes
2023-07-09$14K$14K$0Yes
2023-07-09$0$0$0Yes
2023-07-09$7K$7K$0Yes
2023-07-09$7K$7K$0Yes
2023-07-09$20K$20K$0Yes
2023-07-09$3K$3K$0Yes
2023-07-09$464K$414K$50KNo
2023-07-09$0——Yes
2023-07-09$0——Yes
2023-07-09$33K$33K$0Yes
2023-07-09$122K$103K$19KYes
2023-07-09$75K$75K$0Yes
2023-07-09$31K$30K$2KYes
2023-07-09$27K$12K$15KYes
2023-07-09$3K$709.93$2KNo
2023-07-09$5K$5K$0Yes
2023-07-09$40K$40K$0No
2023-07-09$80K$80K$0Yes
2023-07-09$156K$126K$30KYes
2023-07-09$81K$64K$17KYes
2023-07-09$472.56$472.56$0Yes
2023-07-09$37K$37K$0No
2023-07-09$47K$47K$0Yes
2023-07-09$8K$8K$0Yes
2023-07-09$762K$414K$347KNo
2023-07-09$5K$3K$2KYes
2023-07-09$11K$11K$0Yes
2023-07-09$66K$66K$0Yes
2023-07-09$10K$9K$371.05No
2023-07-09$19K$19K$0Yes
2023-07-09$0——Yes
2023-07-09$40K$36K$3KYes
2023-07-09$27K$26K$1KYes
2023-07-09$3K$3K$550.02Yes
2023-07-09$33K$25K$8KNo
2023-07-09$48K$48K$0No
2023-07-09$7K$7K$0Yes
2023-07-09$35K$22K$13KYes
2023-07-09$8K$8K$0Yes
2023-07-09$48K$36K$13KYes
2023-07-09$1K$1K$0Yes
2023-07-09$9K$9K$0Yes
2023-07-09$69K$69K$0Yes
2023-07-09$8K$8K$0Yes
2023-07-09$6K$6K$0Yes
2023-07-09$18K$18K$562.81Yes
2023-07-09$11K$11K$0Yes
2023-07-09$49K$37K$12KYes
2023-07-09$11K$11K$0Yes
2023-07-09$32K$32K$0Yes
2023-07-09$2K$2K$0Yes
2023-07-09$8K$8K$0Yes
2023-07-09$92K$72K$20KYes
2023-07-09$15K$14K$2KYes
2023-07-09$6K$6K$0Yes
2023-07-09$19K$18K$851.56Yes
2023-07-09$377K$347K$0No
2023-07-09$0$0$0Yes
2023-07-09$5K$5K$0Yes
2023-07-09$41K$41K$0Yes
2023-07-09$9K$9K$0Yes
2023-07-09$12K$12K$0Yes
2023-07-09$32K$32K$0Yes
2023-07-09$40K$40K$0Yes
2023-07-09$198K$148K$50KYes
2023-07-09$59K$59K$0Yes
2023-07-09$0——Yes
2023-07-09$104K$88K$16KYes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN BERKS COUNTY →Opens the loan explorer already filtered to county FIPS 42011.

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