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State markets/Pennsylvania/Somerset County

COUNTY MORTGAGE MARKET · FIPS 42111

Somerset County, Pennsylvania

Who lends in Somerset 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

$190.8M

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

Originations · 2025

1,393

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

Denial rate · 2025

19.7%

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

Lenders active · 2025

179

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

Concentration (HHI)

567

unconcentrated

Top-5 lender share

45.2%

of originations

Purchase

59.8%

585 loans

Refinance

40.2%

393 loans

Origination trend

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

Lenders in Somerset 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 Somerset 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 SOMERSET COUNTY →

TOP TEN LENDERS IN SOMERSET 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.

321$30.0M$30.0M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
171$22.1M$22.1M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
149$13.5M$13.5M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
70$11.1M$11.1M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
66$9.6M$9.6M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
47$7.0M$7.0M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
37$6.1M$6.1M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
28$5.9M$5.9M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
25$5.6M$5.6M originated in Somerset County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
21$4.9M$4.9M originated in Somerset 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 Somerset County

All 41 ZIP Code Tabulation Areas that touch Somerset County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
41 OF 41 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 10 Somerset County tracts this ZIP area touches sit mostly inside it.21,01314.2%5,288——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.8,3575.3%2,899——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Somerset County tracts this ZIP area touches sit mostly inside it.7,0583.4%2,460——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Somerset County tracts this ZIP area touches sit mostly inside it.5,6124.5%1,998——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Somerset County tracts this ZIP area touches sit mostly inside it.5,0113.8%1,905——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Somerset County tracts this ZIP area touches sit mostly inside it.4,6323.1%1,446——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.4,4533.6%1,461——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Somerset County tract this ZIP area touches sit mostly inside it.3,4533.9%1,362——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Somerset County tract this ZIP area touches sit mostly inside it.3,3293.6%1,142——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.2,9692.6%787——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Somerset County tracts this ZIP area touches sit mostly inside it.2,7684.6%992——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.2,1904.4%735——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Somerset County tracts this ZIP area touches sit mostly inside it.1,9363.9%656——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Somerset County tracts this ZIP area touches sit mostly inside it.1,3482.5%427——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 5 tracts of Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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 Somerset 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.

24 of Somerset County’s 24 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 Somerset County

All 24 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.

24 OF 24 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle112.9%1,9363.9%OPEN →
Upper125.7%5,0113.8%OPEN →
Upper121.2%4,4163.9%OPEN →
Middle80.1%3,9416.9%OPEN →
Middle94.1%3,4533.9%OPEN →
Middle90.8%2,7684.6%OPEN →
Middle84.8%2,5144.2%OPEN →
Middle94.4%3,0984.8%OPEN →
Middle110.5%2,8824.4%OPEN →
Middle103.3%2,8995.1%OPEN →
Middle94.5%3,46540.9%OPEN →
Middle98.6%5,71914.7%OPEN →
Middle110.0%3,9887.0%OPEN →
Moderate54.4%2,0608.6%OPEN →
Middle112.3%2,6763.4%OPEN →
Middle102.5%3,3293.6%OPEN →
Middle98.6%4,3823.4%OPEN →
Moderate73.2%2,5622.4%OPEN →
Middle82.2%2,0704.1%OPEN →
Middle99.1%2,9692.6%OPEN →
Middle96.4%3,4703.9%OPEN →
Middle87.1%2,1904.4%OPEN →
Middle88.8%1,3482.5%OPEN →
Middle101.4%9832.9%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

72,799

Median household income

$61,446

Median home value

$150,600

Median gross rent

$753

per month

Owner-occupied

80.4%

of occupied units

Housing units

37,863

22.5% vacant

Poverty rate

11.0%

Unemployment

4.9%

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 64.2

Social vulnerability

Relatively Moderate

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

70

Declarations recorded

21

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

Everything we hold on Somerset 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 Somerset County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Somerset County →Every reported application and origination in FIPS 42111, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Somerset 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

64

—

Purchase share

42.2%

27 loans

IRRRL refinances

20

Cash-out refinances

17

202664—272017
202574—55118
202445—3537
202355—43012
2022——431126
2021117—44685
202088—32479
201952—35611
201883—511022
201776—431221
201672—332217
201570—461212

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 Somerset 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

Somerset 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

57

−20.8% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

57

−20.8% vs 2024

Permit valuation · 2025

$20.6M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
0125250375500199019921994199619982000200220042006200820102012201420162018202020222024202557 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 Somerset 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———
outflow2223Cambria County, PA276429$12.3M
inflow2223Cambria County, PA272460$14.4M
outflow2223Other flows - South, DS254395$20.4M
inflow2223Other flows - South, DS214354$12.5M
outflow2223Westmoreland County, PA107166$5.8M
outflow2223Allegheny County, PA92118$6.7M
inflow2223Westmoreland County, PA64116$4.9M
outflow2223Other flows - Midwest, DS6090$3.4M
inflow2223Allegheny County, PA5996$4.8M
inflow2223Other flows - Midwest, DS5594$3.5M
inflow2223Other flows - West, DS52105$4.2M
outflow2223Fayette County, PA5281$2.0M
inflow2223Fayette County, PA5181$2.1M
inflow2223Other flows - Northeast, DS4282$3.0M
outflow2223Other flows - West, DS3864$2.5M
inflow2223Bedford County, PA3366$1.7M
inflow2223Garrett County, MD2947$1.5M
outflow2223Bedford County, PA2740$1.1M
outflow2223Garrett County, MD2435$982K
outflow2223Allegany County, MD2337$1.2M
outflow2223Blair County, PA2132$723K
outflow2223Other flows - Northeast, DS2129$1.0M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Cambria County, PA272479$18.8M
outflow2122Cambria County, PA251427$12.9M
outflow2122Other flows - South, DS241365$15.7M
inflow2122Other flows - South, DS215375$15.3M
inflow2122Westmoreland County, PA89143$5.9M
outflow2122Allegheny County, PA87104$5.0M
outflow2122Westmoreland County, PA77120$4.9M
inflow2122Allegheny County, PA75105$8.0M
inflow2122Other flows - West, DS67119$3.9M
outflow2122Other flows - West, DS5390$5.5M
outflow2122Fayette County, PA5284$2.1M
outflow2122Other flows - Midwest, DS5192$2.1M
inflow2122Other flows - Northeast, DS4892$3.7M
inflow2122Other flows - Midwest, DS4788$3.3M
inflow2122Fayette County, PA4460$2.4M
outflow2122Other flows - Northeast, DS3248$1.6M
inflow2122Allegany County, MD3150$1.2M
inflow2122Bedford County, PA3151$1.2M
outflow2122Allegany County, MD3144$1.2M
outflow2122Bedford County, PA3158$1.2M
outflow2122Blair County, PA2842$935K
outflow2122Garrett County, MD2543$1.1M
outflow2122Indiana County, PA2233$1.3M
inflow2122Garrett County, MD2043$807K
outflow2122Philadelphia County, PA2024$265K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS295505$16.3M
outflow2021Cambria County, PA282454$12.2M
inflow2021Cambria County, PA271458$10.2M
inflow2021Other flows - South, DS240417$14.0M
inflow2021Allegheny County, PA106149$8.2M
inflow2021Westmoreland County, PA101160$6.3M
outflow2021Allegheny County, PA7087$3.1M
outflow2021Westmoreland County, PA6598$3.4M
outflow2021Other flows - Midwest, DS64126$3.5M
inflow2021Other flows - West, DS61122$3.4M
inflow2021Other flows - Midwest, DS5078$2.0M
outflow2021Other flows - West, DS4968$2.5M
inflow2021Other flows - Northeast, DS4972$3.4M
inflow2021Fayette County, PA4875$1.9M
inflow2021Bedford County, PA3969$1.6M
outflow2021Bedford County, PA3869$2.1M
inflow2021Philadelphia County, PA3741$188K
outflow2021Fayette County, PA3653$940K
inflow2021Allegany County, MD2641$1.1M
outflow2021Other flows - Northeast, DS2652$1.1M
inflow2021Blair County, PA2541$1.1M
inflow2021Indiana County, PA2444$1.5M
outflow2021Allegany County, MD2438$1.1M
outflow2021Indiana County, PA2237$889K
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - Northeast, DS———
outflow1920Foreign - Other flows, FR———
inflow1920Cambria County, PA310567$11.4M
outflow1920Cambria County, PA300496$12.3M
outflow1920Other flows - South, DS252429$26.2M
inflow1920Other flows - South, DS221449$15.9M
inflow1920Westmoreland County, PA82153$5.7M
outflow1920Westmoreland County, PA69105$3.3M
outflow1920Allegheny County, PA6275$3.2M
inflow1920Allegheny County, PA5894$7.9M
outflow1920Other flows - Midwest, DS53106$3.1M
inflow1920Other flows - Midwest, DS5192$2.7M
inflow1920Bedford County, PA47104$1.9M
inflow1920Other flows - West, DS4799$3.2M
outflow1920Bedford County, PA4669$2.1M
inflow1920Fayette County, PA4378$1.9M
outflow1920Fayette County, PA4379$1.6M
outflow1920Other flows - West, DS3452$1.4M
inflow1920Other flows - Northeast, DS3362$2.5M
outflow1920Garrett County, MD2949$989K
inflow1920Garrett County, MD2957$1.4M
outflow1819Foreign - Other flows, FR———
inflow1819Foreign - Other flows, FR———
inflow1819Cambria County, PA295563$12.6M
outflow1819Cambria County, PA285491$12.2M
outflow1819Other flows - South, DS257430$14.3M
inflow1819Other flows - South, DS161285$9.1M
outflow1819Allegheny County, PA86107$4.6M
outflow1819Westmoreland County, PA71118$3.3M
outflow1819Other flows - West, DS5586$2.2M
inflow1819Westmoreland County, PA5398$2.5M
outflow1819Other flows - Midwest, DS4894$1.5M
inflow1819Allegheny County, PA4477$2.8M
inflow1819Fayette County, PA4389$1.8M
outflow1819Fayette County, PA4068$1.6M
inflow1819Other flows - West, DS3860$1.2M
outflow1819Bedford County, PA3662$1.7M
inflow1819Bedford County, PA3349$1.4M
inflow1819Other flows - Midwest, DS3355$2.0M
inflow1819Garrett County, MD2851$1.2M
outflow1819Other flows - Northeast, DS2743$998K
inflow1819Other flows - Northeast, DS2643$662K
outflow1819Garrett County, MD2136$689K
inflow1819Allegany County, MD2140$962K
inflow1718Foreign - Other flows, FR———
outflow1718Foreign - Other flows, FR———
outflow1718Cambria County, PA275494$10.2M
inflow1718Cambria County, PA266475$10.4M
outflow1718Other flows - South, DS222399$10.4M
inflow1718Other flows - South, DS218366$12.0M
outflow1718Westmoreland County, PA73114$3.8M
inflow1718Allegheny County, PA6998$5.6M
inflow1718Westmoreland County, PA68103$4.7M
outflow1718Allegheny County, PA6691$2.7M
inflow1718Fayette County, PA4875$1.3M
inflow1718Other flows - Midwest, DS4782$2.2M
outflow1718Fayette County, PA4676$1.7M
outflow1718Other flows - West, DS4368$1.8M
inflow1718Other flows - West, DS4277$2.5M
outflow1718Other flows - Midwest, DS4170$1.4M
inflow1718Bedford County, PA4065$1.5M
outflow1718Bedford County, PA3872$1.3M
inflow1718Other flows - Northeast, DS2845$1.6M
outflow1718Other flows - Northeast, DS2645$1.4M
inflow1718Allegany County, MD2553$1.1M
outflow1718Blair County, PA2549$1.3M
outflow1718Allegany County, MD2138$721K
inflow1617Foreign - Other flows, FR———
outflow1617Foreign - Other flows, FR———
outflow1617Other flows - Northeast, DS———
inflow1617Cambria County, PA361651$14.1M
outflow1617Cambria County, PA321558$10.6M
outflow1617Other flows - South, DS319559$19.9M
inflow1617Other flows - South, DS258459$16.0M
inflow1617Westmoreland County, PA92148$4.9M
inflow1617Allegheny County, PA86131$5.1M
outflow1617Westmoreland County, PA85131$3.3M
outflow1617Allegheny County, PA80111$3.9M
outflow1617Other flows - Midwest, DS69128$2.2M
outflow1617Other flows - West, DS65104$3.1M
inflow1617Fayette County, PA65124$2.7M
outflow1617Fayette County, PA60107$2.0M
outflow1617Bedford County, PA54101$2.5M
inflow1617Other flows - West, DS4986$2.1M
inflow1617Bedford County, PA4676$1.6M
inflow1617Other flows - Midwest, DS4592$2.2M
inflow1617Other flows - Northeast, DS4171$3.6M
inflow1617Garrett County, MD2754$1.0M
inflow1617Blair County, PA2544$999K
outflow1617Garrett County, MD2452$1.1M
outflow1617Allegany County, MD2440$998K
inflow1516Foreign - Other flows, FR———
outflow1516Foreign - Other flows, FR———
inflow1516Other flows - Northeast, DS———
inflow1516Cambria County, PA278503$11.8M
outflow1516Other flows - South, DS263433$12.3M
outflow1516Cambria County, PA249418$7.9M
inflow1516Other flows - South, DS167310$7.8M
outflow1516Allegheny County, PA88122$6.6M
outflow1516Westmoreland County, PA80130$3.5M
inflow1516Allegheny County, PA6489$2.6M
outflow1516Other flows - West, DS6192$2.1M
inflow1516Westmoreland County, PA5492$2.1M
outflow1516Other flows - Midwest, DS53113$2.4M
inflow1516Fayette County, PA4977$1.5M
inflow1516Other flows - West, DS4376$2.1M
inflow1516Other flows - Midwest, DS4060$1.7M
outflow1516Fayette County, PA3755$1.4M
inflow1516Bedford County, PA3365$1.3M
outflow1516Bedford County, PA3262$1.4M
outflow1516Other flows - Northeast, DS3045$1.9M
outflow1516Allegany County, MD2134$843K
inflow1415Foreign - Other flows, FR———
outflow1415Foreign - Other flows, FR———
inflow1415Other flows - West, DS———
outflow1415Other flows - South, DS240411$10.6M
inflow1415Cambria County, PA189314$6.9M
outflow1415Cambria County, PA184301$6.6M
inflow1415Other flows - South, DS128219$5.1M
outflow1415Allegheny County, PA5774$2.3M
outflow1415Westmoreland County, PA4466$2.0M
inflow1415Westmoreland County, PA4475$1.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Somerset County.

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

2023PurchaseNo CharacteristicAll Appraisals295.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals88.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals383.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals147,500.0
2023BothNo CharacteristicAll Appraisals157,000.0
2023PurchaseNo CharacteristicAll Appraisals160,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals159,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals155,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals140.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals168,000.0
2022BothNo CharacteristicAll Appraisals506.0
2022PurchaseNo CharacteristicAll Appraisals366.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals195,000.0
2021BothNo CharacteristicAll Appraisals869.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals510.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals359.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals169,900.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals160,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals916.0
2020PurchaseNo CharacteristicAll Appraisals476.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals172,800.0
2020RefinanceNo CharacteristicAll Appraisals195,000.0
2020RefinanceNo CharacteristicAll Appraisals440.0
2020PurchaseNo CharacteristicAll Appraisals149,500.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals145,000.0
2019PurchaseNo CharacteristicAll Appraisals425.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals176,000.0
2019BothNo CharacteristicAll Appraisals638.0
2019RefinanceNo CharacteristicAll Appraisals213.0
2019PurchaseNo CharacteristicAll Appraisals135,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals135,500.0
2018BothNo CharacteristicAll Appraisals514.0
2018PurchaseNo CharacteristicAll Appraisals396.0
2018RefinanceNo CharacteristicAll Appraisals118.0
2018BothNo CharacteristicAll Appraisals128,000.0
2018PurchaseNo CharacteristicAll Appraisals125,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals164,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals450.0
2017PurchaseNo CharacteristicAll Appraisals307.0
2017PurchaseNo CharacteristicAll Appraisals130,000.0
2017RefinanceNo CharacteristicAll Appraisals143.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals135,000.0
2016PurchaseNo CharacteristicAll Appraisals318.0
2016RefinanceNo CharacteristicAll Appraisals169,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals125,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals145,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals571.0
2016RefinanceNo CharacteristicAll Appraisals253.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals135,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals154,500.0
2015BothNo CharacteristicAll Appraisals516.0
2015RefinanceNo CharacteristicAll Appraisals192.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals324.0
2015BothNo CharacteristicAll Appraisals141,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals144,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0532,52331,2691,2543.9%
2026-0432,26231,0301,2323.8%
2026-0332,67131,1021,5694.8%
2026-0232,70830,9331,7755.4%
2026-0132,83031,1501,6805.1%
2025-1232,49431,0391,4554.5%
2025-1132,23130,9521,2794.0%
2025-0931,84730,5841,2634.0%
2025-0832,29330,6461,6475.1%
2025-0732,59530,9771,6185.0%
2025-0632,24330,7001,5434.8%
2025-0532,03030,7441,2864.0%
2025-0432,10630,7621,3444.2%
2025-0332,58631,1071,4794.5%
2025-0232,67730,8711,8065.5%
2025-0133,07931,2211,8585.6%
2024-1232,38530,9131,4724.5%
2024-1132,26731,0891,1783.7%
2024-1032,52231,3411,1813.6%
2024-0932,28931,1671,1223.5%
2024-0833,13031,5391,5914.8%
2024-0733,47131,8991,5724.7%
2024-0632,84531,4051,4404.4%
2024-0532,61631,4861,1303.5%
2024-0432,43331,2461,1873.7%
2024-0332,94231,5191,4234.3%
2024-0233,16131,4781,6835.1%
2024-0133,18231,5301,6525.0%
2023-1232,80131,4431,3584.1%
2023-1132,87931,8011,0783.3%
2023-1033,11731,9951,1223.4%
2023-0933,05031,9981,0523.2%
2023-0833,59932,0661,5334.6%
2023-0733,46632,0961,3704.1%
2023-0633,41432,0381,3764.1%
2023-0533,08731,9061,1813.6%
2023-0432,72331,6311,0923.3%
2023-0333,35831,7861,5724.7%
2023-0233,76731,8741,8935.6%
2023-0133,92532,0691,8565.5%
2022-1233,16731,6201,5474.7%
2022-1132,44131,0561,3854.3%
2022-1032,88031,5421,3384.1%
2022-0932,60731,2871,3204.0%
2022-0833,27131,2721,9996.0%
2022-0733,33231,5421,7905.4%
2022-0633,49431,7331,7615.3%
2022-0533,45131,8961,5554.6%
2022-0432,62531,1951,4304.4%
2022-0333,37231,5871,7855.3%
2022-0233,48631,4802,0066.0%
2022-0133,68731,6052,0826.2%
2021-1232,88531,3861,4994.6%
2021-1132,93631,5131,4234.3%
2021-1033,12031,5311,5894.8%
2021-0932,94031,3541,5864.8%
2021-0833,51031,3432,1676.5%
2021-0733,70631,5062,2006.5%
2021-0633,43131,1912,2406.7%
2021-0533,32831,3291,9996.0%
2021-0432,92730,8522,0756.3%
2021-0333,64831,2312,4177.2%
2021-0234,02631,3302,6967.9%
2021-0134,05131,2112,8408.3%
2020-1234,05231,1322,9208.6%
2020-1133,32630,9272,3997.2%
2020-1033,85631,5792,2776.7%
2020-0933,66231,1342,5287.5%
2020-0833,99031,0422,9488.7%
2020-0734,19130,7083,48310.2%
2020-0633,81430,1743,64010.8%
2020-0533,30229,2294,07312.2%
2020-0432,65527,2475,40816.6%
2020-0333,99431,5852,4097.1%
2020-0234,57832,4322,1466.2%
2020-0134,72532,4762,2496.5%
2019-1233,98131,9652,0165.9%
2019-1133,70032,0751,6254.8%
2019-1034,39132,9041,4874.3%
2019-0934,38432,9951,3894.0%
2019-0834,71732,9021,8155.2%
2019-0734,99833,1511,8475.3%
2019-0634,93133,2341,6974.9%
2019-0534,54033,1291,4114.1%
2019-0433,85332,4411,4124.2%
2019-0334,88432,8452,0395.8%
2019-0235,35233,1122,2406.3%
2019-0135,31533,0802,2356.3%
2018-1234,86133,0351,8265.2%
2018-1134,24432,8391,4054.1%
2018-1034,32933,0271,3023.8%
2018-0934,46033,1401,3203.8%
2018-0834,84033,0811,7595.0%
2018-0735,24433,4441,8005.1%
2018-0635,04733,2581,7895.1%
2018-0534,59633,1461,4504.2%
2018-0433,81132,1441,6674.9%
2018-0334,33632,2372,0996.1%
2018-0235,03332,6232,4106.9%
2018-0135,06032,5972,4637.0%

BEA Personal Income

2024$3.71B72,134$51K
2023$3.58B72,233$50K
2022$3.41B72,613$47K
2021$3.55B72,994$49K
2020$3.39B74,014$46K
2019$3.10B74,418$42K
2018$3.00B74,821$40K
2017$2.89B75,038$39K
2016$2.79B75,549$37K
2015$2.81B75,958$37K
2014$2.76B76,615$36K
2013$2.69B76,950$35K
2012$2.73B77,265$35K
2011$2.68B77,419$35K
2010$2.64B77,789$34K
2009$2.41B78,025$31K
2008$2.42B78,120$31K
2007$2.28B78,490$29K
2006$2.14B78,834$27K
2005$2.06B79,015$26K
2004$2.01B79,402$25K
2003$1.87B79,754$23K
2002$1.81B79,621$23K
2001$1.80B79,523$23K
2000$1.72B80,034$21K
1999$1.66B80,127$21K
1998$1.60B80,109$20K
1997$1.54B80,361$19K
1996$1.52B80,194$19K
1995$1.47B79,926$18K
1994$1.44B79,295$18K
1993$1.41B79,115$18K
1992$1.36B78,867$17K
1991——$17K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-26$12K$12K$0Yes
2025-05-13$29K$14K$15KYes
2025-05-13$49K$34K$15KNo
2025-05-13$401.23$401.23$0Yes
2025-05-13$3K$3K$0Yes
2025-05-13$20K$20K$0Yes
2025-05-13$28K$28K$0Yes
2025-05-13$8K$8K$0Yes
2025-05-13$20K$10K$10KYes
2025-05-13$4K$4K$0Yes
2025-05-13$29K$24K$5KYes
2025-05-13$12K$11K$719.77Yes
2025-05-13$22K$18K$4KYes
2025-05-13$7K$7K$0Yes
2025-05-13$4K$4K$0Yes
2025-05-13$20K$20K$0Yes
2025-05-13$23K$23K$0Yes
2025-05-11$6K$6K$0Yes
2025-02-07$13K$13K$0Yes
2024-10-01$0——Yes
2024-08-09$469.49$469.49$0Yes
2024-04-03$0$0$0Yes
2024-04-02$1K$1K$0Yes
2020-06-22$18K$15K$3KYes
2019-07-17$13K$12K$286.33Yes
2019-07-17$8K$8K$0Yes
2019-07-17$2K$2K$0Yes
2019-07-10$0——Yes
2019-07-05$0——Yes
2018-09-10$11K$11K$0Yes
2018-09-10$8K$8K$0Yes
2018-09-10$454.51$454.51$0Yes
2018-09-09$18K$13K$4KYes
2018-09-09$13K$13K$0Yes
2018-09-09$0——Yes
2018-09-09$0——Yes
2018-09-09$15K$15K$0No
2018-09-09$41K$30K$12KYes
2018-09-09$22K$22K$0No
2018-09-09$127K$127K$0No
2018-06-26$8K$8K$0Yes
2018-06-20$24K$18K$6KYes
2018-06-20$25K$25K$0No
2018-06-20$6K$6K$0No
2018-06-20$0——No
2018-06-20$3K$3K$0Yes
2018-06-20$0——Yes
2018-06-20$13K$11K$2KYes
2018-06-20$12K$7K$5KYes
2018-06-20$3K$3K$0Yes
2018-02-17$0——Yes
2018-02-16$67K$67K$0No
2018-02-15$2K$2K$0Yes
2018-02-15$6K$6K$0No
2017-07-17$0——Yes
2017-07-14$6K$6K$0Yes
2017-06-15$7K$7K$326.05Yes
2017-05-28$14K$14K$0No
2017-05-28$0——Yes
2015-06-27$3K$3K$0No
2015-06-20$0——No
2015-03-05$21K$21K$0No
2015-03-04$22K$21K$2KNo
2015-03-03$46K$46K$0No
2014-06-12$2K$2K$0Yes
2014-04-09$0——No
2012-10-29$0——No
2012-10-29$12K$10K$2KNo
2012-10-29$0——Yes
2012-08-20$7K$7K$0No
2012-04-03$0——Yes
2011-09-09$13K$13K$0No
2011-09-09$10K$10K$0Yes
2011-05-24$10K$10K$0Yes
2011-05-13$4K$4K$0No
2011-04-16$12K$11K$2KNo
2010-03-14$0——Yes
2010-03-14$1K$1K$0No
2010-03-14$33K$31K$3KYes
2010-03-14$6K$6K$0Yes
2010-03-13$4K$4K$0Yes
2010-03-13$1K$1K$0No
2010-03-13$6K$6K$0No
2010-03-13$2K$2K$0Yes
2010-03-13$0——Yes
2010-03-13$661.16$661.16$0Yes
2010-03-13$4K$3K$1KYes
2010-03-13$7K$7K$0Yes
2010-03-13$6K$6K$0No
2010-03-13$5K$4K$335.6Yes
2010-03-13$522.97$522.97$0Yes
2010-03-13$1K$1K$0Yes
2010-03-13$0——Yes
2010-03-12$4K$4K$0Yes
2010-01-25$2K$2K$0No
2010-01-25$2K$2K$0No
2010-01-15$0——No
2009-06-18$514.25$514.25$0Yes
2009-06-17$132K$126K$6KYes
2009-06-17$3K$3K$0Yes

ALSO CHECKED

18 more data areas were checked for Somerset 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 SOMERSET COUNTY →Opens the loan explorer already filtered to county FIPS 42111.

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.