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State markets/Pennsylvania/Cambria County

COUNTY MORTGAGE MARKET · FIPS 42021

Cambria County, Pennsylvania

Who lends in Cambria 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

$256.1M

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

Originations · 2025

2,188

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

Denial rate · 2025

22.3%

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

Lenders active · 2025

195

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

Concentration (HHI)

482

unconcentrated

Top-5 lender share

42.4%

of originations

Purchase

66.6%

1,029 loans

Refinance

33.4%

515 loans

Origination trend

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

Lenders in Cambria 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 Cambria 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 CAMBRIA COUNTY →

TOP TEN LENDERS IN CAMBRIA 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.

296$29.3M$29.3M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
271$25.5M$25.5M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
167$21.1M$21.1M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
139$16.8M$16.8M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
115$15.8M$15.8M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
102$11.3M$11.3M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
89$9.9M$9.9M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
89$9.4M$9.4M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
45$7.9M$7.9M originated in Cambria County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
45$6.7M$6.7M originated in Cambria 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 Cambria County

All 52 ZIP Code Tabulation Areas that touch Cambria 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.
52 OF 52 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 7 Cambria County tracts this ZIP area touches sit mostly inside it.19,1409.8%6,810——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Cambria County tracts this ZIP area touches sit mostly inside it.17,5798.5%5,225——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Cambria County tracts this ZIP area touches sit mostly inside it.11,72523.0%3,852——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Cambria County tracts this ZIP area touches sit mostly inside it.11,5066.1%3,549——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Cambria County tracts this ZIP area touches sit mostly inside it.10,73230.1%3,041——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Cambria County tracts this ZIP area touches sit mostly inside it.7,5206.0%2,385——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Cambria County tracts this ZIP area touches sit mostly inside it.7,4984.3%2,360——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Cambria County tracts this ZIP area touches sit mostly inside it.6,4524.9%2,196——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Cambria County tracts this ZIP area touches sit mostly inside it.6,0304.0%1,980——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Cambria County tracts this ZIP area touches sit mostly inside it.5,8914.3%2,124——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Cambria County tracts this ZIP area touches sit mostly inside it.5,7524.3%2,098——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Cambria County tracts this ZIP area touches sit mostly inside it.5,5965.5%1,912——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Cambria County tracts this ZIP area touches sit mostly inside it.4,15120.5%709——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Cambria County tracts this ZIP area touches sit mostly inside it.3,6623.4%1,249——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Cambria County tracts this ZIP area touches sit mostly inside it.3,5574.3%1,196——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Cambria County tracts this ZIP area touches sit mostly inside it.2,5114.9%868——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Cambria County tracts this ZIP area touches sit mostly inside it.2,3725.3%829——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Cambria County tracts this ZIP area touches sit mostly inside it.1,79832.9%171——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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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 Cambria 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.

42 of Cambria County’s 42 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 Cambria County

All 42 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.

42 OF 42 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate56.6%1,19427.1%OPEN →
Moderate71.2%60444.4%OPEN →
Middle88.7%1,55441.5%OPEN →
Moderate61.0%1,48836.1%OPEN →
Moderate51.4%1,60632.3%OPEN →
Moderate78.3%2,33517.0%OPEN →
Moderate53.4%2,79520.6%OPEN →
Middle101.0%3,8115.8%OPEN →
Moderate67.2%1,36010.8%OPEN →
Middle101.5%2,2396.3%OPEN →
Middle90.2%3,3579.9%OPEN →
Middle112.6%2,3637.7%OPEN →
Middle114.1%3,1226.5%OPEN →
Upper131.6%5,4078.1%OPEN →
Middle80.2%1,54712.0%OPEN →
Middle112.5%5,1477.5%OPEN →
Upper126.4%2,04510.9%OPEN →
Upper169.3%4,9828.8%OPEN →
Middle98.7%3,0847.6%OPEN →
Upper123.9%4,2363.7%OPEN →
Middle80.5%2,5114.9%OPEN →
Middle82.5%2,2883.8%OPEN →
Middle91.9%3,9383.5%OPEN →
Middle88.0%3,5605.3%OPEN →
Middle98.8%6,0304.0%OPEN →
Middle95.6%2,3725.3%OPEN →
Middle106.8%3,5574.3%OPEN →
Upper139.9%4,15120.5%OPEN →
Middle107.2%3,6623.4%OPEN →
Upper121.4%5,8146.7%OPEN →
Middle106.7%3,4046.5%OPEN →
Middle97.7%2,5265.5%OPEN →
Middle105.5%4,9946.3%OPEN →
Middle115.5%3,4323.6%OPEN →
Middle88.0%2,4595.3%OPEN →
Middle94.3%2,5094.8%OPEN →
Middle97.2%3,9434.9%OPEN →
Upper122.3%5,7524.3%OPEN →
Low37.6%2,00534.9%OPEN →
Moderate57.9%2,72743.9%OPEN →
Low44.4%3,11438.6%OPEN →
Middle115.0%4,44811.7%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

131,538

Median household income

$58,418

Median home value

$121,000

Median gross rent

$739

per month

Owner-occupied

76.4%

of occupied units

Housing units

64,456

13.2% vacant

Poverty rate

14.2%

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 Low

score 76.4

Social vulnerability

Relatively High

Community resilience

Very High

Federal disaster history

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

Months with an active declaration

66

Declarations recorded

18

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

Everything we hold on Cambria 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 Cambria County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Cambria County →Every reported application and origination in FIPS 42021, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Cambria 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

106

—

Purchase share

51.9%

55 loans

IRRRL refinances

35

Cash-out refinances

16

2026106—553516
202599—621423
202466—42618
202395—74120
2022——972437
2021247—10111135
2020198—839916
2019124—92725
2018132—931029
2017160—943333
2016143—853127
2015116—583820

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 Cambria 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

Cambria 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

61

+5.2% vs 2024

Multifamily · 2025

0

−100.0% vs 2024

Total authorized · 2025

61

−1.6% vs 2024

Permit valuation · 2025

$22.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
0125250375500199019921994199619982000200220042006200820102012201420162018202020222024202561 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 Cambria County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS495795$31.0M
inflow2223Other flows - South, DS393695$20.8M
inflow2223Somerset County, PA276429$12.3M
outflow2223Somerset County, PA272460$14.4M
outflow2223Blair County, PA228336$9.9M
outflow2223Allegheny County, PA209271$12.1M
inflow2223Blair County, PA187296$9.1M
inflow2223Other flows - Northeast, DS142271$7.6M
outflow2223Indiana County, PA138261$5.4M
inflow2223Allegheny County, PA114166$6.2M
inflow2223Indiana County, PA110212$6.0M
outflow2223Other flows - West, DS108164$6.5M
outflow2223Westmoreland County, PA106158$5.2M
outflow2223Other flows - Northeast, DS104158$5.5M
inflow2223Other flows - West, DS98158$6.5M
outflow2223Other flows - Midwest, DS96136$4.4M
inflow2223Other flows - Midwest, DS80137$3.5M
inflow2223Philadelphia County, PA76196$2.7M
inflow2223Westmoreland County, PA68109$3.1M
outflow2223Philadelphia County, PA51128$1.2M
inflow2223Clearfield County, PA4886$2.5M
inflow2223Bedford County, PA3768$1.3M
outflow2223Clearfield County, PA3352$1.5M
outflow2223Bedford County, PA3254$1.9M
inflow2223Venango County, PA2627$232K
outflow2223Lancaster County, PA2433$919K
outflow2223Centre County, PA2433$1.4M
inflow2223Lancaster County, PA2241$1.2M
inflow2223Dauphin County, PA2039$1.0M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS474837$33.6M
inflow2122Other flows - South, DS380659$21.3M
outflow2122Somerset County, PA272479$18.8M
inflow2122Somerset County, PA251427$12.9M
inflow2122Blair County, PA199332$7.8M
outflow2122Blair County, PA196334$10.1M
outflow2122Allegheny County, PA175209$7.9M
outflow2122Indiana County, PA155259$6.3M
inflow2122Other flows - Northeast, DS126236$5.6M
inflow2122Indiana County, PA124211$5.0M
inflow2122Other flows - Midwest, DS122230$6.8M
inflow2122Other flows - West, DS115216$7.6M
outflow2122Other flows - Midwest, DS106165$3.8M
outflow2122Westmoreland County, PA105149$4.4M
inflow2122Allegheny County, PA103148$6.3M
inflow2122Philadelphia County, PA97235$2.5M
inflow2122Westmoreland County, PA95163$5.9M
outflow2122Other flows - West, DS92146$5.7M
outflow2122Other flows - Northeast, DS80152$4.7M
inflow2122Clearfield County, PA77133$3.2M
outflow2122Clearfield County, PA4481$2.1M
inflow2122Bedford County, PA4172$2.0M
outflow2122Philadelphia County, PA4098$884K
outflow2122Bedford County, PA3254$1.1M
outflow2122Centre County, PA3164$2.2M
inflow2122Cumberland County, PA2646$1.2M
outflow2122Butler County, PA2233$2.1M
outflow2122Dauphin County, PA2034$786K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS436763$24.1M
inflow2021Other flows - South, DS367645$18.9M
inflow2021Somerset County, PA282454$12.2M
outflow2021Somerset County, PA271458$10.2M
outflow2021Blair County, PA236357$9.7M
inflow2021Blair County, PA227402$10.8M
outflow2021Allegheny County, PA173221$8.9M
outflow2021Indiana County, PA150301$6.3M
inflow2021Other flows - Northeast, DS128266$6.8M
inflow2021Indiana County, PA125193$7.0M
outflow2021Westmoreland County, PA116174$4.9M
inflow2021Other flows - West, DS108207$6.2M
inflow2021Allegheny County, PA106138$5.0M
inflow2021Philadelphia County, PA102253$2.5M
outflow2021Other flows - West, DS101164$6.1M
outflow2021Other flows - Midwest, DS99161$5.3M
inflow2021Other flows - Midwest, DS93148$3.6M
outflow2021Other flows - Northeast, DS90137$4.0M
inflow2021Westmoreland County, PA88147$4.2M
outflow2021Clearfield County, PA62104$2.5M
inflow2021Clearfield County, PA4582$2.4M
outflow2021Philadelphia County, PA3895$870K
outflow2021Bedford County, PA3766$1.9M
outflow2021Centre County, PA3547$1.7M
inflow2021Bedford County, PA3359$1.4M
inflow2021Centre County, PA2840$977K
inflow2021Lancaster County, PA2139$1.0M
inflow2021Delaware County, PA2058$495K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS427783$25.1M
inflow1920Other flows - South, DS349640$18.8M
outflow1920Somerset County, PA310567$11.4M
inflow1920Somerset County, PA300496$12.3M
inflow1920Blair County, PA220367$9.2M
outflow1920Blair County, PA215349$8.2M
outflow1920Allegheny County, PA174239$8.2M
outflow1920Indiana County, PA141272$6.2M
inflow1920Indiana County, PA114206$3.9M
inflow1920Other flows - West, DS110182$6.5M
inflow1920Other flows - Northeast, DS102201$4.1M
outflow1920Other flows - Midwest, DS100172$5.2M
inflow1920Allegheny County, PA95138$4.3M
outflow1920Other flows - West, DS91151$6.4M
inflow1920Philadelphia County, PA80214$1.2M
outflow1920Westmoreland County, PA79134$3.6M
inflow1920Other flows - Midwest, DS76133$3.6M
outflow1920Other flows - Northeast, DS65111$2.6M
inflow1920Westmoreland County, PA63111$2.8M
outflow1920Clearfield County, PA4571$1.8M
inflow1920Clearfield County, PA4485$2.9M
outflow1920Philadelphia County, PA4395$1.2M
inflow1920Bedford County, PA3550$1.6M
outflow1920Bedford County, PA2657$1.2M
inflow1920Centre County, PA2225$702K
outflow1920Butler County, PA2131$1.0M
outflow1920Cumberland County, PA2132$1.2M
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS420758$24.8M
outflow1819Somerset County, PA295563$12.6M
inflow1819Somerset County, PA285491$12.2M
inflow1819Other flows - South, DS284466$16.6M
outflow1819Blair County, PA226406$9.7M
inflow1819Blair County, PA178306$7.2M
outflow1819Indiana County, PA157281$6.0M
outflow1819Allegheny County, PA157226$8.5M
inflow1819Indiana County, PA112195$4.2M
inflow1819Allegheny County, PA102146$4.3M
inflow1819Other flows - Northeast, DS99197$4.9M
outflow1819Other flows - Midwest, DS96157$5.2M
outflow1819Other flows - Northeast, DS90149$4.4M
outflow1819Other flows - West, DS87125$4.0M
inflow1819Other flows - West, DS79125$3.7M
inflow1819Philadelphia County, PA67174$1.2M
outflow1819Westmoreland County, PA6084$2.6M
inflow1819Other flows - Midwest, DS58105$3.1M
inflow1819Westmoreland County, PA5796$2.4M
outflow1819Clearfield County, PA5093$2.2M
inflow1819Clearfield County, PA4180$1.5M
outflow1819Philadelphia County, PA3580$1.4M
inflow1819Bedford County, PA3062$1.2M
outflow1819Bedford County, PA2838$1.1M
outflow1819Centre County, PA2839$1.5M
outflow1718Foreign - Other flows, FR———
inflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS467862$27.3M
inflow1718Other flows - South, DS316611$14.5M
inflow1718Somerset County, PA275494$10.2M
outflow1718Somerset County, PA266475$10.4M
outflow1718Blair County, PA195320$9.9M
inflow1718Blair County, PA189321$6.1M
outflow1718Allegheny County, PA184234$7.3M
outflow1718Indiana County, PA122249$4.5M
inflow1718Indiana County, PA119206$5.3M
outflow1718Other flows - West, DS95177$5.7M
inflow1718Other flows - West, DS95186$4.0M
outflow1718Other flows - Midwest, DS92166$4.7M
outflow1718Westmoreland County, PA91166$5.5M
inflow1718Other flows - Midwest, DS86155$3.8M
inflow1718Other flows - Northeast, DS85149$4.1M
inflow1718Allegheny County, PA83124$4.1M
outflow1718Other flows - Northeast, DS66113$3.3M
inflow1718Philadelphia County, PA62147$948K
inflow1718Westmoreland County, PA5691$2.2M
inflow1718Clearfield County, PA4990$1.5M
outflow1718Clearfield County, PA4396$1.9M
outflow1718Centre County, PA3463$1.8M
inflow1718Bedford County, PA2642$653K
outflow1718Bedford County, PA2435$950K
outflow1718Philadelphia County, PA2349$562K
outflow1718Dauphin County, PA2127$1.1M
inflow1617Foreign - Other flows, FR———
outflow1617Foreign - Other flows, FR———
outflow1617Other flows - South, DS6041,196$36.0M
inflow1617Other flows - South, DS423789$22.3M
outflow1617Somerset County, PA361651$14.1M
inflow1617Somerset County, PA321558$10.6M
outflow1617Blair County, PA255439$9.7M
inflow1617Blair County, PA242457$9.5M
outflow1617Allegheny County, PA203261$9.5M
outflow1617Indiana County, PA144252$5.8M
outflow1617Other flows - Midwest, DS130249$7.3M
inflow1617Indiana County, PA128224$4.7M
outflow1617Other flows - West, DS123230$5.7M
outflow1617Westmoreland County, PA118219$6.0M
outflow1617Other flows - Northeast, DS110184$5.4M
inflow1617Allegheny County, PA109175$5.4M
inflow1617Other flows - Northeast, DS101192$5.0M
inflow1617Other flows - West, DS99161$4.8M
inflow1617Other flows - Midwest, DS94167$5.1M
inflow1617Westmoreland County, PA86155$3.7M
inflow1617Clearfield County, PA72137$2.5M
inflow1617Philadelphia County, PA61148$1.4M
outflow1617Clearfield County, PA59113$2.1M
outflow1617Bedford County, PA3775$1.5M
inflow1617Bedford County, PA3460$1.1M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Cambria County.

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

2023PurchaseNo CharacteristicAll Appraisals568.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals127.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals695.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals145,000.0
2023BothNo CharacteristicAll Appraisals130,000.0
2023PurchaseNo CharacteristicAll Appraisals127,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals135,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals130,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals215.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals146,000.0
2022BothNo CharacteristicAll Appraisals815.0
2022PurchaseNo CharacteristicAll Appraisals600.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals170,000.0
2021BothNo CharacteristicAll Appraisals1,192.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals723.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals469.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals132,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals114,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals1,093.0
2020PurchaseNo CharacteristicAll Appraisals612.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals145,000.0
2020RefinanceNo CharacteristicAll Appraisals199,900.0
2020RefinanceNo CharacteristicAll Appraisals481.0
2020PurchaseNo CharacteristicAll Appraisals115,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals115,900.0
2019PurchaseNo CharacteristicAll Appraisals572.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals154,000.0
2019BothNo CharacteristicAll Appraisals787.0
2019RefinanceNo CharacteristicAll Appraisals215.0
2019PurchaseNo CharacteristicAll Appraisals100,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals127,000.0
2018BothNo CharacteristicAll Appraisals654.0
2018PurchaseNo CharacteristicAll Appraisals476.0
2018RefinanceNo CharacteristicAll Appraisals178.0
2018BothNo CharacteristicAll Appraisals105,000.0
2018PurchaseNo CharacteristicAll Appraisals90,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals137,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals671.0
2017PurchaseNo CharacteristicAll Appraisals443.0
2017PurchaseNo CharacteristicAll Appraisals98,000.0
2017RefinanceNo CharacteristicAll Appraisals228.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals114,000.0
2016PurchaseNo CharacteristicAll Appraisals445.0
2016RefinanceNo CharacteristicAll Appraisals145,800.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals95,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals117,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals787.0
2016RefinanceNo CharacteristicAll Appraisals342.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals97,500.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals144,000.0
2015BothNo CharacteristicAll Appraisals790.0
2015RefinanceNo CharacteristicAll Appraisals331.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals459.0
2015BothNo CharacteristicAll Appraisals120,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals115,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0556,42354,0172,4064.3%
2026-0455,89053,6372,2534.0%
2026-0355,77553,1532,6224.7%
2026-0255,46652,5412,9255.3%
2026-0155,75252,8662,8865.2%
2025-1255,50053,0202,4804.5%
2025-1155,55253,1292,4234.4%
2025-0955,25552,6382,6174.7%
2025-0855,50252,0703,4326.2%
2025-0755,42352,1873,2365.8%
2025-0655,48552,4513,0345.5%
2025-0555,41152,9902,4214.4%
2025-0455,45153,1842,2674.1%
2025-0355,63252,9722,6604.8%
2025-0255,58352,6602,9235.3%
2025-0155,50552,5192,9865.4%
2024-1255,33452,9482,3864.3%
2024-1155,46653,2442,2224.0%
2024-1055,93153,6672,2644.0%
2024-0956,18554,1212,0643.7%
2024-0856,69653,6033,0935.5%
2024-0756,93353,8573,0765.4%
2024-0656,81053,9092,9015.1%
2024-0556,94354,7272,2163.9%
2024-0456,81654,8221,9943.5%
2024-0357,45654,9752,4814.3%
2024-0257,35954,6432,7164.7%
2024-0156,92754,2802,6474.6%
2023-1256,93854,6672,2714.0%
2023-1157,58355,4912,0923.6%
2023-1057,48955,3062,1833.8%
2023-0957,31255,2412,0713.6%
2023-0857,28854,2853,0035.2%
2023-0757,31554,5902,7254.8%
2023-0657,44954,6922,7574.8%
2023-0557,42655,2272,1993.8%
2023-0456,69954,7391,9603.5%
2023-0357,21354,5642,6494.6%
2023-0257,27754,2792,9985.2%
2023-0156,68653,7682,9185.1%
2022-1256,85954,3892,4704.3%
2022-1156,68254,3622,3204.1%
2022-1057,13554,7492,3864.2%
2022-0956,95054,6222,3284.1%
2022-0857,21553,6183,5976.3%
2022-0757,22153,8273,3945.9%
2022-0657,37153,9863,3855.9%
2022-0557,62654,9952,6314.6%
2022-0456,97254,4582,5144.4%
2022-0357,14654,2712,8755.0%
2022-0256,94453,8283,1165.5%
2022-0156,82553,4953,3305.9%
2021-1256,20153,7342,4674.4%
2021-1156,73854,1452,5934.6%
2021-1057,24754,2502,9975.2%
2021-0957,11554,0603,0555.3%
2021-0857,55053,3544,1967.3%
2021-0758,08953,7104,3797.5%
2021-0657,63753,3264,3117.5%
2021-0557,78354,0703,7136.4%
2021-0457,44053,7373,7036.4%
2021-0357,73053,6614,0697.0%
2021-0257,88053,4704,4107.6%
2021-0157,29652,7084,5888.0%
2020-1258,11853,1934,9258.5%
2020-1158,34254,1634,1797.2%
2020-1058,95954,9254,0346.8%
2020-0958,76254,1814,5817.8%
2020-0858,59353,2865,3079.1%
2020-0759,36652,7916,57511.1%
2020-0659,24952,7266,52311.0%
2020-0558,10750,7667,34112.6%
2020-0457,08047,7149,36616.4%
2020-0359,17255,2743,8986.6%
2020-0259,50256,0873,4155.7%
2020-0159,30855,7873,5215.9%
2019-1259,60856,4993,1095.2%
2019-1159,61656,8452,7714.6%
2019-1060,21057,5232,6874.5%
2019-0960,03457,4552,5794.3%
2019-0860,39056,7833,6076.0%
2019-0760,64556,9943,6516.0%
2019-0660,81057,3853,4255.6%
2019-0560,52457,8232,7014.5%
2019-0459,92457,4302,4944.2%
2019-0360,48957,2743,2155.3%
2019-0260,69257,2863,4065.6%
2019-0160,21556,7023,5135.8%
2018-1260,03457,1132,9214.9%
2018-1160,17557,5832,5924.3%
2018-1060,50257,8662,6364.4%
2018-0960,31657,6962,6204.3%
2018-0860,44956,8873,5625.9%
2018-0761,23757,5083,7296.1%
2018-0661,22757,5893,6385.9%
2018-0560,78458,0672,7174.5%
2018-0460,42757,6012,8264.7%
2018-0360,80457,4883,3165.5%
2018-0260,99057,2433,7476.1%
2018-0160,53656,7403,7966.3%

BEA Personal Income

2024$6.87B130,108$53K
2023$6.65B130,713$51K
2022$6.30B131,432$48K
2021$6.46B132,240$49K
2020$6.16B133,198$46K
2019$5.74B134,153$43K
2018$5.59B135,087$41K
2017$5.30B136,207$39K
2016$5.22B137,251$38K
2015$5.21B138,379$38K
2014$5.13B139,446$37K
2013$5.01B140,280$36K
2012$5.04B142,548$35K
2011$5.01B143,136$35K
2010$4.68B143,567$33K
2009$4.69B144,186$33K
2008$4.71B144,646$33K
2007$4.48B145,283$31K
2006$4.25B146,093$29K
2005$4.12B146,975$28K
2004$4.01B147,886$27K
2003$3.90B148,836$26K
2002$3.78B149,831$25K
2001$3.71B150,902$25K
2000$3.53B152,107$23K
1999$3.44B153,911$22K
1998$3.31B155,677$21K
1997$3.17B157,396$20K
1996$3.07B158,588$19K
1995$2.99B159,892$19K
1994$2.88B160,766$18K
1993$2.80B161,770$17K
1992$2.73B162,247$17K
1991——$16K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-08-09$33K$33K$0Yes
2024-08-09$56K$36K$20KYes
2024-08-09$19K$19K$0Yes
2024-08-09$5K$5K$64.32Yes
2024-08-09$4K$4K$0Yes
2024-08-09$12K$12K$0No
2024-04-03$5K$5K$0Yes
2023-09-10$55K$55K$0No
2021-09-03$4K$4K$562.2Yes
2021-09-01$93K$70K$23KYes
2021-09-01$11K$11K$0Yes
2021-09-01$50K$50K$0Yes
2021-09-01$51K$49K$2KNo
2021-09-01$0——Yes
2021-09-01$0——Yes
2021-09-01$4K$4K$866.63Yes
2021-09-01$15K$15K$0Yes
2021-09-01$9K$9K$0Yes
2021-09-01$47K$34K$13KYes
2021-08-31$7K$7K$0No
2021-08-31$31K$26K$5KYes
2020-07-23$0$0$0Yes
2020-03-28$36K$34K$3KYes
2019-07-24$5K$5K$0Yes
2019-07-04$1K$1K$0Yes
2018-10-05$15K$15K$0No
2018-09-11$0——Yes
2018-09-08$2K$201.5$2KYes
2018-07-30$0——Yes
2018-07-30$19K$8K$11KNo
2018-07-30$9K$8K$537.02Yes
2018-07-30$0——No
2018-07-30$3K$3K$0Yes
2018-07-02$4K$4K$0No
2018-02-16$4K$4K$0Yes
2017-11-18$0——Yes
2017-06-20$115K$115K$0No
2017-06-16$7K$7K$0No
2017-06-16$3K$3K$0No
2017-06-15$3K$3K$0No
2016-12-18$0——Yes
2016-12-18$0——No
2015-03-05$7K$7K$0No
2015-03-05$11K$10K$962.76Yes
2015-03-04$0——Yes
2015-03-02$6K$6K$0No
2015-03-01$0——Yes
2015-03-01$0——No
2014-07-14$4K$4K$0No
2014-06-13$13K$13K$0No
2014-06-01$0——Yes
2014-06-01$0——Yes
2013-09-02$3K$3K$0No
2013-09-02$13K$13K$0No
2013-09-02$2K$2K$0Yes
2013-09-02$28K$0$28KYes
2013-08-09$3K$3K$0Yes
2013-08-08$0——No
2013-08-08$0——Yes
2013-08-08$77.43$77.43$0No
2013-08-08$5K$5K$0Yes
2013-08-08$18K$18K$0No
2013-08-08$0——Yes
2012-10-30$4K$4K$0No
2012-10-29$0——No
2012-05-27$0——Yes
2012-05-25$0——Yes
2011-09-09$3K$3K$0No
2011-09-07$0——Yes
2011-09-07$0——No
2011-09-07$999.97$999.97$0Yes
2011-03-10$4K$4K$0Yes
2010-09-30$0——Yes
2010-07-25$122.48$122.48$0Yes
2010-04-16$0——Yes
2010-03-13$0——Yes
2010-03-12$0——Yes
2010-01-25$0——Yes
2008-12-20$0——Yes
2008-12-19$1K$1K$0No
2008-12-19$0——Yes
2007-08-23$4K$4K$0Yes
2007-08-23$8K$8K$0Yes
2007-08-23$714.63$714.63$0Yes
2007-08-23$759.41$759.41$0Yes
2007-08-09$327.78$327.78$0Yes
2006-11-17$579.96$579.96$0Yes
2006-06-23$6K$6K$183.98Yes
2005-01-06$0——Yes
2005-01-06$1K$1K$0Yes
2005-01-06$2K$2K$8.31Yes
2004-09-18$18K$18K$0Yes
2004-09-18$0——Yes
2004-09-17$5K$5K$0Yes
2004-07-31$0——Yes
2004-06-23$107K$58K$50KNo
2004-06-16$213.12$213.12$0Yes
2004-06-16$3K$3K$0Yes
2004-06-16$0——Yes
2004-06-16$4K$4K$0No

ALSO CHECKED

18 more data areas were checked for Cambria 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 CAMBRIA COUNTY →Opens the loan explorer already filtered to county FIPS 42021.

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.