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MortRadarTERMINAL
State markets/Tennessee/Shelby County

COUNTY MORTGAGE MARKET · FIPS 47157

Shelby County, Tennessee

Who lends in Shelby 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

$4.42B

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

Originations · 2025

14,546

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

Denial rate · 2025

20.8%

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

Lenders active · 2025

520

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

Concentration (HHI)

270

unconcentrated

Top-5 lender share

27.3%

of originations

Purchase

63.3%

7,803 loans

Refinance

36.7%

4,532 loans

Origination trend

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

Lenders in Shelby 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 Shelby 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 SHELBY COUNTY →

TOP TEN LENDERS IN SHELBY 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.

1$500.0M$500.0M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
640$182.0M$182.0M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
563$177.5M$177.5M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
767$175.4M$175.4M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
838$172.8M$172.8M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
537$147.7M$147.7M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
56$130.4M$130.4M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
463$112.4M$112.4M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
250$91.7M$91.7M originated in Shelby County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$79.9M$79.9M originated in Shelby 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 Shelby County

All 41 ZIP Code Tabulation Areas that touch Shelby 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
1111 of the 14 Shelby County tracts this ZIP area touches sit mostly inside it.52,08933.9%13,504——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Shelby County tracts this ZIP area touches sit mostly inside it.45,75666.2%9,087——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.45,18289.9%6,320——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Shelby County tracts this ZIP area touches sit mostly inside it.42,72698.6%9,703——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 15 Shelby County tracts this ZIP area touches sit mostly inside it.42,01760.3%8,353——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 11 Shelby County tracts this ZIP area touches sit mostly inside it.41,70594.8%5,798——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Shelby County tracts this ZIP area touches sit mostly inside it.40,38431.5%10,760——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 Shelby County tracts this ZIP area touches sit mostly inside it.40,32994.2%4,496——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Shelby County tracts this ZIP area touches sit mostly inside it.39,25857.2%7,317——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Shelby County tracts this ZIP area touches sit mostly inside it.39,21897.2%7,390——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.36,81392.0%5,861——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Shelby County tracts this ZIP area touches sit mostly inside it.36,19391.5%8,061——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Shelby County tracts this ZIP area touches sit mostly inside it.33,95359.1%8,007——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.28,03129.0%8,612——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Shelby County tracts this ZIP area touches sit mostly inside it.27,95643.7%6,333——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Shelby County tracts this ZIP area touches sit mostly inside it.26,80120.7%7,757——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.26,77042.3%7,832——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Shelby County tracts this ZIP area touches sit mostly inside it.26,75052.0%6,076——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Shelby County tracts this ZIP area touches sit mostly inside it.25,38746.9%6,534——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Shelby County tracts this ZIP area touches sit mostly inside it.22,85743.5%4,700——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.22,80497.6%4,100——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Shelby County tracts this ZIP area touches sit mostly inside it.22,44485.6%3,486——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 19 Shelby County tracts this ZIP area touches sit mostly inside it.21,11698.6%4,001——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.19,86067.9%3,352——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Shelby County tracts this ZIP area touches sit mostly inside it.19,68095.7%4,401——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 14 Shelby County tracts this ZIP area touches sit mostly inside it.17,51154.9%3,886——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Shelby County tracts this ZIP area touches sit mostly inside it.16,80617.9%5,435——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Shelby County tracts this ZIP area touches sit mostly inside it.15,70619.4%5,156——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Shelby County tracts this ZIP area touches sit mostly inside it.12,69151.5%3,625——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 9 Shelby County tracts this ZIP area touches sit mostly inside it.12,34441.5%2,516——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Shelby County tracts this ZIP area touches sit mostly inside it.10,73484.1%2,037——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Shelby County tracts this ZIP area touches sit mostly inside it.8,81385.6%307——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Shelby County tracts this ZIP area touches sit mostly inside it.7,72385.5%463——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Shelby County tract this ZIP area touches sit mostly inside it.1190.9%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Shelby 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 Shelby 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 Shelby 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 Shelby 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 Shelby 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 Shelby 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 Shelby 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.

249 of Shelby County’s 249 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 Shelby County

All 249 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.

249 OF 249 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper186.0%5,82139.4%OPEN →
Low49.9%1,11797.3%OPEN →
Moderate52.1%67598.8%OPEN →
Low46.8%1,35099.0%OPEN →
Low39.4%1,69599.1%OPEN →
Low29.5%4,65491.1%OPEN →
Low32.3%1,93498.6%OPEN →
Moderate58.6%2,51997.2%OPEN →
Moderate69.3%3,47481.5%OPEN →
Moderate55.0%4,10165.9%OPEN →
Low35.2%3,67688.9%OPEN →
Low48.4%1,42695.1%OPEN →
Moderate51.4%1,72185.6%OPEN →
Upper154.5%3,15937.4%OPEN →
Middle94.6%3,49355.1%OPEN →
Moderate65.9%1,14898.8%OPEN →
Low42.7%1,57895.9%OPEN →
Middle103.8%1,42286.8%OPEN →
Low38.8%2,35290.3%OPEN →
Middle117.5%3,10457.9%OPEN →
Upper263.5%2,44117.7%OPEN →
—0.0%1,77462.8%OPEN →
Low27.4%3,39287.6%OPEN →
Upper193.2%4,88214.3%OPEN →
Moderate68.9%2,79850.6%OPEN →
Middle105.0%3,59830.3%OPEN →
Upper122.3%3,78333.5%OPEN →
Upper195.9%2,14615.1%OPEN →
Middle100.0%2,06537.6%OPEN →
Upper213.3%3,08126.9%OPEN →
Middle106.3%1,58660.4%OPEN →
Low47.0%1,29176.8%OPEN →
—0.0%1,13275.3%OPEN →
Moderate75.9%1,53285.6%OPEN →
Upper281.1%3,43240.4%OPEN →
Upper206.6%3,09146.5%OPEN →
—0.0%83197.7%OPEN →
—0.0%1,49287.6%OPEN →
Low23.7%1,02198.4%OPEN →
Low40.1%3,02399.4%OPEN →
Moderate51.7%1,93498.7%OPEN →
Moderate59.7%3,67599.5%OPEN →
Moderate51.8%1,92198.9%OPEN →
Moderate61.6%96799.2%OPEN →
Low40.9%1,95298.8%OPEN →
Low46.8%1,75998.6%OPEN →
Moderate66.1%1,67694.0%OPEN →
Upper133.7%2,18232.4%OPEN →
Moderate73.5%1,52092.1%OPEN →
Moderate57.8%2,34698.8%OPEN →
Moderate63.9%2,12746.3%OPEN →
Low43.0%3,02398.2%OPEN →
Moderate52.3%2,05698.8%OPEN →
Low38.9%2,68898.8%OPEN →
Low39.3%3,13780.9%OPEN →
Upper285.6%2,39332.6%OPEN →
Upper212.5%2,96615.6%OPEN →
Upper139.8%2,99650.8%OPEN →
Middle90.5%3,08531.6%OPEN →
Low49.1%1,34299.5%OPEN →
Low30.6%2,74797.6%OPEN →
Moderate63.1%4,45098.6%OPEN →
Moderate55.0%1,43394.7%OPEN →
Moderate60.1%4,83997.0%OPEN →
Moderate51.1%4,89180.3%OPEN →
Low49.6%1,98998.2%OPEN →
Moderate57.6%4,75998.1%OPEN →
Low38.6%4,28795.1%OPEN →
Upper343.7%4,44710.0%OPEN →
Upper195.4%6,10925.7%OPEN →
Moderate66.8%5,12654.8%OPEN →
Moderate51.1%7,23275.1%OPEN →
Low42.9%4,01881.6%OPEN →
Low33.3%2,93370.2%OPEN →
Upper162.7%3,67018.4%OPEN →
Middle119.8%3,78824.2%OPEN →
Moderate77.2%4,65634.2%OPEN →
Middle115.4%3,14122.6%OPEN →
Middle98.7%2,94321.9%OPEN →
Upper161.4%3,42214.1%OPEN →
Upper240.5%4,96812.2%OPEN →
Moderate57.2%3,06581.0%OPEN →
Moderate71.3%3,48353.8%OPEN →
Low47.4%2,83275.5%OPEN →
Low24.8%2,33486.9%OPEN →
Low44.4%3,82296.8%OPEN →
Low45.5%3,23894.1%OPEN →
Low36.7%5,31191.7%OPEN →
Low25.6%3,16693.4%OPEN →
Middle92.7%2,98194.2%OPEN →
Moderate67.3%5,25395.0%OPEN →
Moderate76.7%6,61892.4%OPEN →
Low38.5%1,25897.4%OPEN →
Low37.8%1,64291.3%OPEN →
Low39.7%6,08695.2%OPEN →
Moderate52.7%3,47597.9%OPEN →
Low40.4%4,37797.6%OPEN →
Moderate65.2%5,10592.7%OPEN →
Moderate74.1%4,15894.2%OPEN →
Moderate75.7%6,14996.3%OPEN →
Middle87.8%4,27095.2%OPEN →
Moderate64.3%3,91386.5%OPEN →
Moderate67.4%1,45795.5%OPEN →
Low37.1%1,47798.7%OPEN →
Low26.2%1,37399.3%OPEN →
Middle81.5%1,28584.1%OPEN →
—0.0%1,18891.8%OPEN →
—0.0%3,49968.7%OPEN →
Low39.5%2,33798.8%OPEN →
Low29.1%2,27498.4%OPEN →
Low38.8%1,28098.1%OPEN →
Middle89.9%5,74373.7%OPEN →
Moderate72.3%4,13470.7%OPEN →
Middle113.7%3,09520.9%OPEN →
Middle84.2%5,86743.8%OPEN →
Middle89.5%2,74248.8%OPEN →
Moderate76.9%3,16862.1%OPEN →
Middle110.7%1,92023.6%OPEN →
Moderate78.2%3,50740.9%OPEN →
Middle119.7%97644.2%OPEN →
Middle106.3%2,16589.2%OPEN →
Low40.6%3,36495.5%OPEN →
Low47.8%3,15693.7%OPEN →
Moderate77.2%4,79594.1%OPEN →
Moderate79.9%5,69488.2%OPEN →
Moderate75.1%6,04187.4%OPEN →
Middle91.8%5,47988.7%OPEN →
Low48.0%5,23791.6%OPEN →
Low40.5%2,93894.2%OPEN →
Low43.3%2,29587.9%OPEN →
Low47.9%4,40880.9%OPEN →
Moderate67.5%7,03669.8%OPEN →
Middle103.1%4,34729.1%OPEN →
Upper134.5%5,68924.9%OPEN →
Upper128.7%2,92016.1%OPEN →
Upper123.1%2,83619.3%OPEN →
Middle95.8%2,57618.0%OPEN →
Middle88.5%6,64248.8%OPEN →
Middle106.1%5,23022.0%OPEN →
Upper156.7%4,17348.2%OPEN →
Upper136.1%5,13844.0%OPEN →
Upper134.1%3,16024.7%OPEN →
Upper134.2%5,14743.4%OPEN →
Upper128.9%5,03361.8%OPEN →
Middle118.5%5,09872.8%OPEN →
Upper128.1%2,54718.2%OPEN →
Upper174.8%5,85842.6%OPEN →
Upper242.3%3,05727.4%OPEN →
Upper139.2%2,56432.3%OPEN →
Upper207.3%8,19424.7%OPEN →
Upper120.3%7,68631.7%OPEN →
Upper148.7%5,76226.3%OPEN →
Upper164.1%6,86724.2%OPEN →
Upper165.2%7,44450.2%OPEN →
Upper120.6%6,56673.0%OPEN →
Middle89.5%6,85673.6%OPEN →
Upper201.2%5,24753.4%OPEN →
Moderate56.8%4,12072.2%OPEN →
Moderate78.2%6,97566.7%OPEN →
Upper126.5%3,80865.6%OPEN →
Middle83.3%4,88863.4%OPEN →
Moderate74.0%5,63768.1%OPEN →
Middle101.3%8,04571.5%OPEN →
Middle119.6%4,49555.3%OPEN →
Middle112.2%4,31263.2%OPEN →
Middle101.0%6,57665.2%OPEN →
Upper180.9%5,28462.0%OPEN →
Upper138.7%4,21364.7%OPEN →
Upper194.4%4,27345.6%OPEN →
Upper122.3%4,74049.5%OPEN →
Middle113.4%7,63866.9%OPEN →
Upper134.7%3,63653.5%OPEN →
Upper125.3%4,41956.0%OPEN →
Middle101.1%3,76861.6%OPEN →
—0.0%——OPEN →
Upper334.0%4,85019.4%OPEN →
Upper156.9%2,10027.6%OPEN →
Upper161.1%5,98932.4%OPEN →
Upper148.6%3,50046.5%OPEN →
Upper127.2%3,98861.3%OPEN →
Upper166.6%3,68276.9%OPEN →
Upper242.4%5,68614.9%OPEN →
Upper177.6%5,27319.2%OPEN →
Upper210.5%6,96914.8%OPEN →
Middle117.4%6,16974.2%OPEN →
Upper200.2%5,38334.9%OPEN →
Upper262.1%4,12519.4%OPEN →
Upper288.4%5,71220.8%OPEN →
Upper166.9%2,98312.8%OPEN →
Upper194.8%3,37317.6%OPEN →
Upper164.2%4,10320.2%OPEN →
Upper202.3%5,95624.5%OPEN →
Upper234.1%8,29625.9%OPEN →
Upper321.1%4,49123.9%OPEN →
Upper188.1%4,58965.7%OPEN →
Upper136.3%3,29456.6%OPEN →
Upper179.8%3,52440.7%OPEN →
Upper137.1%3,77065.2%OPEN →
Middle112.9%6,50791.0%OPEN →
Upper120.8%3,05870.2%OPEN →
Upper174.1%6,08017.1%OPEN →
Upper164.4%4,48510.3%OPEN →
Upper159.7%4,53719.1%OPEN →
Middle103.8%3,06760.2%OPEN →
Low39.6%2,77295.5%OPEN →
Moderate57.4%4,86095.6%OPEN →
Moderate71.7%2,28395.2%OPEN →
Low45.4%3,79896.3%OPEN →
Moderate62.0%2,85598.1%OPEN →
Middle97.0%5,80292.6%OPEN →
Upper127.4%8,22692.9%OPEN →
Moderate78.9%4,65395.0%OPEN →
Moderate73.6%3,98596.2%OPEN →
Upper127.4%7,52095.0%OPEN →
Middle87.3%5,08096.5%OPEN →
Middle102.0%3,20894.0%OPEN →
Moderate79.3%4,34395.3%OPEN →
Moderate63.4%1,76394.3%OPEN →
Middle107.1%2,14468.8%OPEN →
Low48.2%3,74397.6%OPEN →
Moderate51.9%3,03095.5%OPEN →
Middle84.0%4,19496.5%OPEN →
Moderate79.1%3,95096.3%OPEN →
Middle82.8%4,92998.2%OPEN →
Moderate79.7%1,70399.1%OPEN →
Moderate51.7%3,24697.4%OPEN →
Low28.3%3,09797.3%OPEN →
Low33.7%2,30496.7%OPEN →
Middle80.8%5,30798.0%OPEN →
Middle98.7%4,26796.7%OPEN →
Middle83.5%3,93498.0%OPEN →
Moderate74.2%4,94497.1%OPEN →
Moderate56.0%2,89298.6%OPEN →
Moderate79.0%2,97497.4%OPEN →
Moderate62.4%4,28098.6%OPEN →
Moderate52.3%3,41898.3%OPEN →
Low40.2%5,47999.4%OPEN →
Moderate56.0%4,03498.9%OPEN →
Moderate77.0%3,97299.0%OPEN →
Moderate60.6%4,60799.4%OPEN →
Middle89.9%5,59296.2%OPEN →
Moderate66.9%4,55094.9%OPEN →
Moderate69.9%4,50895.2%OPEN →
Moderate51.7%6,38798.7%OPEN →
—0.0%6440.6%OPEN →
—0.0%1190.9%OPEN →
—0.0%00.0%OPEN →
—0.0%1,82981.7%OPEN →
—0.0%922.2%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

919,173

Median household income

$63,767

Median home value

$249,100

Median gross rent

$1,232

per month

Owner-occupied

54.1%

of occupied units

Housing units

404,333

10.3% vacant

Poverty rate

17.8%

Unemployment

7.2%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 99.4

Social vulnerability

Relatively High

Community resilience

Relatively Moderate

ELEVATED PERILS

Inland flooding Relatively High · Tornado Very High · Earthquake Relatively High · Strong wind Relatively High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

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

Months with an active declaration

74

Declarations recorded

28

Incident types on record: Biological, Flood, Hurricane, Severe Ice Storm, Severe Storm, Tornado, Winter Storm.

Everything we hold on Shelby 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 Shelby County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Shelby County →Every reported application and origination in FIPS 47157, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Shelby County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,052

—

Purchase share

41.6%

438 loans

IRRRL refinances

422

Cash-out refinances

192

20261,052—438422192
20251,170—633286251
2024920—580128212
2023954—63519300
2022——683262610
20212,944—8041,770370
20202,386—7731,266347
20191,398—848181369
20181,419—858189372
20171,743—825565353
20161,569—717575277
20151,534—670640224

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 Shelby 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

Shelby 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

1,058

+64.8% vs 2024

Multifamily · 2025

172

−87.9% vs 2024

Total authorized · 2025

1,230

−40.3% vs 2024

Permit valuation · 2025

$418.4M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420251,230 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 Shelby County, showing population movement and wealth transfer.

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

outflow2223DeSoto County, MS2,5444,835$134.2M
inflow2223Other flows - South, DS2,3244,109$151.1M
outflow2223Other flows - South, DS2,1423,934$162.1M
inflow2223DeSoto County, MS1,9153,385$82.8M
inflow2223Other flows - Midwest, DS9621,599$63.7M
outflow2223Other flows - Midwest, DS9551,781$63.8M
outflow2223Fayette County, TN9131,726$76.7M
outflow2223Tipton County, TN7131,386$39.5M
inflow2223Tipton County, TN6261,107$29.8M
outflow2223Davidson County, TN595894$37.0M
inflow2223Other flows - West, DS5531,010$44.4M
inflow2223Fayette County, TN5491,012$37.4M
outflow2223Other flows - West, DS525965$53.9M
outflow2223Other flows - Northeast, DS481886$47.9M
inflow2223Other flows - Northeast, DS455806$39.4M
inflow2223Davidson County, TN367557$19.1M
outflow2223Crittenden County, AR313599$12.6M
outflow2223Dallas County, TX313516$17.3M
outflow2223Marshall County, MS311596$21.6M
outflow2223Harris County, TX284508$16.2M
inflow2223Crittenden County, AR270539$11.1M
outflow2223Tarrant County, TX252478$13.6M
outflow2223Rutherford County, TN242397$15.8M
outflow2223Cook County, IL221353$15.8M
inflow2223Marshall County, MS204347$7.6M
outflow2223Knox County, TN202320$12.1M
outflow2223Fulton County, GA198296$16.9M
inflow2223Cook County, IL194345$13.5M
outflow2223Madison County, TN187336$10.2M
inflow2223Harris County, TX184333$9.7M
inflow2223Madison County, TN181299$9.8M
inflow2223Rutherford County, TN164242$7.0M
inflow2223Los Angeles County, CA163275$11.7M
outflow2223Denton County, TX162332$21.9M
outflow2223Hamilton County, TN149227$11.2M
inflow2223Dallas County, TX146274$7.0M
outflow2223Pulaski County, AR146253$11.9M
outflow2223Collin County, TX143269$13.0M
outflow2223Maricopa County, AZ142224$12.1M
outflow2223Los Angeles County, CA131209$12.6M
inflow2223Tarrant County, TX121247$5.3M
inflow2223Pulaski County, AR116206$7.9M
inflow2223San Diego County, CA113252$10.2M
outflow2223Hardeman County, TN113209$12.5M
outflow2223Mecklenburg County, NC104159$11.9M
outflow2223Montgomery County, TN103185$4.5M
outflow2223Lafayette County, MS103168$7.7M
inflow2223Knox County, TN102127$5.0M
inflow2223Fulton County, GA102152$13.1M
outflow2223Foreign - Overseas, FR98182$13.0M
inflow2223Maricopa County, AZ98171$6.2M
outflow2223Williamson County, TN97220$19.6M
outflow2223Clark County, NV94161$11.1M
outflow2223Hillsborough County, FL92171$8.9M
outflow2223San Diego County, CA91180$6.4M
inflow2223Washington County, MS89170$2.7M
inflow2223Craighead County, AR89153$3.6M
inflow2223Bolivar County, MS89161$2.7M
outflow2223Madison County, AL88153$7.0M
inflow2223Lafayette County, MS85129$5.0M
outflow2223Travis County, TX85116$6.9M
outflow2223King County, WA84117$7.8M
outflow2223DeKalb County, GA84134$4.4M
inflow2223Hinds County, MS84136$4.1M
outflow2223Craighead County, AR84152$5.2M
outflow2223Jefferson County, AL83142$6.7M
inflow2223Tate County, MS83154$2.9M
inflow2223Hamilton County, TN82130$5.2M
outflow2223Washington County, MS80177$1.8M
outflow2223Tate County, MS78130$4.1M
outflow2223Wilson County, TN78120$4.3M
outflow2223New York County, NY7792$6.0M
outflow2223Sumner County, TN77134$7.6M
outflow2223Cobb County, GA76143$4.2M
inflow2223Miami-Dade County, FL73113$4.3M
outflow2223Bexar County, TX73145$4.6M
outflow2223Baldwin County, AL70136$7.7M
inflow2223Clark County, NV69107$3.6M
inflow2223Montgomery County, TN69133$2.5M
outflow2223Duval County, FL67128$3.8M
outflow2223Wake County, NC67117$5.7M
inflow2223Duval County, FL66125$4.1M
outflow2223Gwinnett County, GA66139$3.3M
inflow2223Foreign - APO/FPO ZIPs, FR66149$6.0M
inflow2223Lee County, MS66124$4.1M
outflow2223Denver County, CO6699$5.3M
inflow2223Coahoma County, MS66114$2.6M
outflow2223Jefferson County, KY65102$4.8M
inflow2223Hardeman County, TN6598$2.1M
outflow2223Benton County, AR64109$7.0M
inflow2223Bexar County, TX64108$4.3M
outflow2223District of Columbia, DC6479$4.9M
outflow2223Franklin County, OH64108$4.4M
inflow2223Denton County, TX62111$3.1M
inflow2223DeKalb County, GA61103$3.2M
inflow2223Hillsborough County, FL61101$4.1M
outflow2223Orange County, FL60102$4.1M
outflow2223Escambia County, FL60112$7.4M
outflow2223St. Louis County, MO59117$4.1M
inflow2223Gwinnett County, GA5995$3.0M
outflow2223Hinds County, MS5991$2.2M
outflow2223Pinellas County, FL5875$7.3M
inflow2223Madison County, MS5888$4.0M
outflow2223Lee County, MS58118$2.9M
inflow2223St. Louis County, MO5888$2.6M
outflow2223Foreign - Other flows, FR5696$3.6M
outflow2223Leflore County, MS56118$1.6M
inflow2223Leflore County, MS55104$1.5M
outflow2223Gibson County, TN55103$2.6M
inflow2223Foreign - Other flows, FR54115$4.8M
outflow2223Fort Bend County, TX54118$5.7M
inflow2223Wayne County, MI5395$2.9M
outflow2223Dyer County, TN5296$2.7M
inflow2223Orange County, FL5277$2.2M
outflow2223Marion County, IN5293$2.8M
inflow2223Jefferson County, AL5178$3.5M
outflow2223Santa Clara County, CA5193$5.2M
outflow2223Miami-Dade County, FL5177$8.0M
outflow2223Wayne County, MI5086$2.1M
outflow2223Bolivar County, MS50101$924K
outflow2223St. Louis city, MO5073$2.8M
outflow2223Broward County, FL4979$4.0M
outflow2223Hennepin County, MN4986$4.1M
outflow2223Harrison County, MS4985$3.5M
inflow2223Tunica County, MS4998$1.2M
inflow2223Lauderdale County, TN4979$2.0M
outflow2223Williamson County, TX4892$5.7M
inflow2223Madison County, AL4775$2.9M
inflow2223Orleans Parish, LA4668$2.9M
inflow2223Broward County, FL4676$3.0M
inflow2223Williamson County, TN4681$5.4M
inflow2223Cobb County, GA4670$2.0M
outflow2223Maury County, TN4685$3.2M
inflow2223Franklin County, OH4569$3.5M
inflow2223Marion County, IN4574$2.3M
outflow2223Lauderdale County, TN4586$1.9M
outflow2223Philadelphia County, PA4562$4.3M
outflow2223Coahoma County, MS4583$1.2M
outflow2223Hardin County, TN4576$4.7M
outflow2223El Paso County, CO4584$4.4M
inflow2223Orange County, CA4562$2.5M
outflow2223Arapahoe County, CO4472$3.7M
outflow2223Panola County, MS4474$1.5M
inflow2223Oktibbeha County, MS4458$2.8M
inflow2223Panola County, MS4480$2.6M
inflow2223Mecklenburg County, NC4468$3.3M
inflow2223Sumner County, TN4468$2.2M
inflow2223Collin County, TX4485$5.0M
outflow2223Washington County, AR4469$3.4M
inflow2223Haywood County, TN4392$1.8M
inflow2223Sunflower County, MS4378$1.4M
inflow2223Gibson County, TN4268$2.2M
inflow2223Travis County, TX4252$2.9M
outflow2223Greenville County, SC4262$4.2M
outflow2223Middlesex County, MA4258$3.4M
outflow2223Palm Beach County, FL4065$2.8M
inflow2223Milwaukee County, WI4069$3.2M
outflow2223Montgomery County, TX4071$1.9M
outflow2223Kings County, NY4053$4.1M
outflow2223Bay County, FL3989$5.4M
outflow2223Haywood County, TN3967$1.3M
inflow2223Riverside County, CA3962$2.8M
outflow2223Madison County, MS3859$4.4M
outflow2223Fairfax County, VA3886$3.7M
outflow2223Milwaukee County, WI3874$1.5M
inflow2223New York County, NY3853$4.1M
inflow2223Kings County, NY3868$2.5M
inflow2223King County, WA3754$4.6M
outflow2223Hamilton County, OH3760$2.4M
inflow2223Wilson County, TN3763$1.8M
outflow2223Lee County, FL3661$6.2M
inflow2223Jefferson County, KY3663$2.6M
outflow2223Tunica County, MS3661$770K
inflow2223Palm Beach County, FL3560$3.3M
outflow2223Orange County, CA3568$3.6M
inflow2223Virginia Beach city, VA3583$2.8M
outflow2223Buncombe County, NC3454$4.0M
inflow2223East Baton Rouge Parish, LA3456$1.4M
outflow2223Weakley County, TN3449$1.7M
outflow2223Oktibbeha County, MS3452$1.6M
outflow2223Orleans Parish, LA3459$2.3M
outflow2223DuPage County, IL3453$2.7M
outflow2223Tulsa County, OK3374$2.1M
inflow2223St. Louis city, MO3342$1.4M
outflow2223St. Johns County, FL3374$4.8M
outflow2223Lake County, FL3366$3.5M
inflow2223Fairfax County, VA3360$2.9M
outflow2223Oklahoma County, OK3366$2.5M
outflow2223Suffolk County, MA3239$2.0M
inflow2223Clayton County, GA3257$1.1M
inflow2223Pinellas County, FL3249$2.4M
outflow2223Multnomah County, OR3236$2.5M
outflow2223Bell County, TX3258$1.7M
inflow2223San Bernardino County, CA3255$1.6M
outflow2223Greene County, AR3278$1.4M
inflow2223Rankin County, MS3249$1.4M
inflow2223Cuyahoga County, OH3159$1.8M
inflow2223Weakley County, TN3144$996K
outflow2223Virginia Beach city, VA3165$1.7M
outflow2223Salt Lake County, UT3163$3.8M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Shelby County.

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

2023PurchaseNo CharacteristicAll Appraisals5,646.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals2,290.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals7,936.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals235,000.0
2023BothNo CharacteristicAll Appraisals260,000.0
2023PurchaseNo CharacteristicAll Appraisals270,300.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals266,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals280,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals4,278.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals248,000.0
2022BothNo CharacteristicAll Appraisals10,956.0
2022PurchaseNo CharacteristicAll Appraisals6,678.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals260,000.0
2021BothNo CharacteristicAll Appraisals16,448.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals8,683.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals7,765.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals264,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals265,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals16,291.0
2020PurchaseNo CharacteristicAll Appraisals8,565.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals260,000.0
2020RefinanceNo CharacteristicAll Appraisals290,000.0
2020RefinanceNo CharacteristicAll Appraisals7,726.0
2020PurchaseNo CharacteristicAll Appraisals235,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals220,000.0
2019PurchaseNo CharacteristicAll Appraisals7,715.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals232,000.0
2019BothNo CharacteristicAll Appraisals12,195.0
2019RefinanceNo CharacteristicAll Appraisals4,480.0
2019PurchaseNo CharacteristicAll Appraisals214,600.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals193,000.0
2018BothNo CharacteristicAll Appraisals10,236.0
2018PurchaseNo CharacteristicAll Appraisals7,185.0
2018RefinanceNo CharacteristicAll Appraisals3,051.0
2018BothNo CharacteristicAll Appraisals200,000.0
2018PurchaseNo CharacteristicAll Appraisals202,600.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals195,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals10,023.0
2017PurchaseNo CharacteristicAll Appraisals6,469.0
2017PurchaseNo CharacteristicAll Appraisals200,000.0
2017RefinanceNo CharacteristicAll Appraisals3,554.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals200,000.0
2016PurchaseNo CharacteristicAll Appraisals6,074.0
2016RefinanceNo CharacteristicAll Appraisals227,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals199,500.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals212,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals10,685.0
2016RefinanceNo CharacteristicAll Appraisals4,611.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals195,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals210,000.0
2015BothNo CharacteristicAll Appraisals8,925.0
2015RefinanceNo CharacteristicAll Appraisals3,546.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals5,379.0
2015BothNo CharacteristicAll Appraisals200,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals199,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-05428,447410,08118,3664.3%
2026-04427,713408,80718,9064.4%
2026-03425,471406,70018,7714.4%
2026-02426,535405,47021,0654.9%
2026-01428,510408,33320,1774.7%
2025-12433,844415,23818,6064.3%
2025-11432,929413,36019,5694.5%
2025-09435,772415,90419,8684.6%
2025-08436,479415,95420,5254.7%
2025-07438,359415,65922,7005.2%
2025-06432,717410,85021,8675.1%
2025-05431,565413,54718,0184.2%
2025-04433,889416,70117,1884.0%
2025-03432,231412,61919,6124.5%
2025-02429,929410,46919,4604.5%
2025-01430,981410,90820,0734.7%
2024-12431,357413,33118,0264.2%
2024-11430,317411,18719,1304.4%
2024-10429,476410,02619,4504.5%
2024-09428,589409,47419,1154.5%
2024-08430,177409,13321,0444.9%
2024-07435,300412,35122,9495.3%
2024-06429,244407,83021,4145.0%
2024-05426,459410,29316,1663.8%
2024-04428,344412,58215,7623.7%
2024-03429,294411,62017,6744.1%
2024-02425,085408,20616,8794.0%
2024-01423,668405,59218,0764.3%
2023-12427,409411,15116,2583.8%
2023-11429,439412,93716,5023.8%
2023-10429,163411,22617,9374.2%
2023-09427,692410,07217,6204.1%
2023-08428,586409,20919,3774.5%
2023-07432,656412,99319,6634.5%
2023-06430,812410,57020,2424.7%
2023-05425,953409,47716,4763.9%
2023-04426,121411,01415,1073.5%
2023-03430,359412,27718,0824.2%
2023-02428,451410,05918,3924.3%
2023-01427,152408,22018,9324.4%
2022-12429,705413,76115,9443.7%
2022-11429,018411,87217,1464.0%
2022-10432,166412,95319,2134.4%
2022-09434,385415,69918,6864.3%
2022-08437,907416,93420,9734.8%
2022-07441,243419,49721,7464.9%
2022-06442,190420,24221,9485.0%
2022-05440,349423,16017,1893.9%
2022-04440,744423,24117,5034.0%
2022-03442,235423,50018,7354.2%
2022-02443,989423,37720,6124.6%
2022-01442,355419,62922,7265.1%
2021-12443,899425,31518,5844.2%
2021-11444,484424,39220,0924.5%
2021-10443,984420,87023,1145.2%
2021-09443,185417,48425,7015.8%
2021-08450,280418,83331,4477.0%
2021-07457,874420,67837,1968.1%
2021-06452,195413,52538,6708.6%
2021-05446,589413,89732,6927.3%
2021-04446,965414,07832,8877.4%
2021-03448,071413,69734,3747.7%
2021-02448,818412,60236,2168.1%
2021-01452,843413,32239,5218.7%
2020-12458,487422,44136,0467.9%
2020-11458,585420,75937,8268.2%
2020-10459,603417,05542,5489.3%
2020-09454,668404,86349,80511.0%
2020-08455,628401,04954,57912.0%
2020-07459,140391,75967,38114.7%
2020-06451,016389,26461,75213.7%
2020-05437,191383,82853,36312.2%
2020-04421,762367,20454,55812.9%
2020-03442,179422,62319,5564.4%
2020-02446,873429,88616,9873.8%
2020-01446,608428,06818,5404.2%
2019-12452,372435,82816,5443.7%
2019-11451,360434,93416,4263.6%
2019-10449,886433,23416,6523.7%
2019-09448,223431,30716,9163.8%
2019-08449,749432,30617,4433.9%
2019-07454,394435,04119,3534.3%
2019-06453,253433,02320,2304.5%
2019-05449,815433,62816,1873.6%
2019-04447,900432,14315,7573.5%
2019-03449,164431,42017,7444.0%
2019-02447,990430,63017,3603.9%
2019-01447,135427,27919,8564.4%
2018-12449,301432,60816,6933.7%
2018-11449,747433,28516,4623.7%
2018-10447,877429,86618,0114.0%
2018-09441,848423,98017,8684.0%
2018-08442,528423,87118,6574.2%
2018-07449,941429,59020,3514.5%
2018-06449,362427,61221,7504.8%
2018-05441,704425,04816,6563.8%
2018-04440,704424,47316,2313.7%
2018-03440,872422,98317,8894.1%
2018-02440,178422,12318,0554.1%
2018-01436,488417,70518,7834.3%

BEA Personal Income

2024$59.59B910,530$65K
2023$57.74B913,909$63K
2022$53.88B918,382$59K
2021$54.87B923,255$59K
2020$49.71B929,788$53K
2019$47.05B930,511$51K
2018$45.30B931,389$49K
2017$43.61B930,871$47K
2016$42.26B932,284$45K
2015$41.59B933,876$45K
2014$40.40B934,936$43K
2013$39.50B936,409$42K
2012$40.01B937,825$43K
2011$38.28B932,436$41K
2010$36.55B928,299$39K
2009$35.09B922,541$38K
2008$36.48B920,685$40K
2007$36.65B921,119$40K
2006$35.50B920,106$39K
2005$33.57B913,201$37K
2004$32.78B909,643$36K
2003$31.68B906,733$35K
2002$30.85B902,634$34K
2001$30.16B899,345$34K
2000$28.45B898,211$32K
1999$27.74B893,826$31K
1998$27.08B886,007$31K
1997$24.10B880,862$27K
1996$22.92B877,907$26K
1995$21.70B872,130$25K
1994$20.18B863,255$23K
1993$18.84B853,458$22K
1992$17.78B846,352$21K
1991——$20K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-07-04$0——Yes
2026-06-22$30K$20K$10KYes
2026-06-22$0——Yes
2026-06-22$0——No
2026-06-12$70K$42K$28KYes
2025-04-16$2K$2K$0Yes
2025-04-15$0——Yes
2025-04-11$0$0$0No
2025-04-05$107K$107K$0Yes
2025-04-05$2K$2K$0Yes
2025-04-05$21K$21K$0Yes
2025-04-05$13K$13K$0Yes
2025-04-05$288.5$288.5$0No
2025-04-05$3K$3K$0Yes
2025-04-05$74K$70K$4KYes
2025-04-05$459.91$459.91$0No
2025-04-05$0$0$0Yes
2025-04-05$7K$7K$0No
2025-04-05$5K$5K$0Yes
2025-04-04$0——Yes
2025-04-03$6K$6K$0Yes
2025-04-03$27K$27K$0Yes
2025-04-03$7K$4K$3KYes
2025-04-02$8K$7K$689.66Yes
2025-04-02$15K$15K$0Yes
2025-04-02$60K$37K$23KYes
2025-04-02$0——Yes
2024-12-28$126K$126K$0No
2024-12-28$39K$33K$5KYes
2024-01-23$12K$12K$0Yes
2023-08-09$94K$86K$8KYes
2023-07-21$38K$38K$0Yes
2023-07-20$67K$63K$4KYes
2023-07-20$7K$7K$0Yes
2023-07-06$8K$8K$0Yes
2023-07-04$350K$250K$100KYes
2023-07-04$17K$10K$7KYes
2023-07-04$283K$250K$33KYes
2023-07-04$40K$29K$11KYes
2023-07-04$53K$53K$0Yes
2023-07-04$235K$197K$38KYes
2023-01-04$54K$54K$0No
2023-01-03$7K$7K$0Yes
2022-08-03$0——Yes
2022-07-27$0——Yes
2022-04-13$29K$29K$0Yes
2021-09-20$34K$34K$0Yes
2021-09-19$0——Yes
2021-03-30$0——Yes
2021-03-25$0——Yes
2021-03-25$79K$78K$461.13Yes
2021-03-25$113K$113K$0Yes
2021-03-05$0$0$0Yes
2021-02-08$0$0$0Yes
2021-01-28$14K$14K$0No
2020-08-13$216.22$216.22$0Yes
2020-07-24$0——Yes
2020-06-09$74K$74K$0Yes
2020-06-08$0——Yes
2020-04-21$2K$2K$0Yes
2020-01-03$789.38$789.38$0Yes
2019-10-15$78K$78K$0No
2019-10-07$0——Yes
2019-10-07$20K$20K$0Yes
2019-07-16$0$0$0Yes
2019-07-16$7K$7K$0Yes
2019-06-17$0——Yes
2019-06-07$191K$133K$58KYes
2019-06-07$135K$101K$35KYes
2019-06-07$0$0$0Yes
2019-06-07$155K$155K$0Yes
2019-06-07$35K$35K$0No
2019-06-07$218K$181K$38KYes
2019-06-07$129K$100K$29KYes
2019-06-07$45K$45K$0Yes
2019-06-07$66K$66K$0Yes
2019-06-07$81K$71K$10KYes
2019-06-07$28K$28K$0Yes
2019-06-07$64K$58K$6KYes
2019-06-07$2K$1K$427.83Yes
2019-06-07$156K$94K$61KYes
2019-06-07$218K$198K$20KYes
2019-06-07$12K$12K$0Yes
2019-06-07$112K$78K$34KYes
2019-06-07$13K$13K$0No
2019-06-07$86K$86K$0Yes
2019-06-07$140K$112K$28KYes
2019-06-07$14K$14K$0Yes
2019-06-07$31K$29K$1KYes
2019-06-06$186K$138K$48KYes
2019-06-06$41K$39K$2KYes
2019-06-06$54K$45K$9KYes
2019-06-06$82K$73K$10KYes
2019-05-15$46K$44K$3KYes
2019-05-15$39K$39K$0Yes
2019-03-05$50K$44K$6KNo
2019-02-27$73K$73K$0No
2019-02-27$7K$7K$0No
2019-02-20$1K$1K$0Yes
2018-11-01$0——Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN SHELBY COUNTY →Opens the loan explorer already filtered to county FIPS 47157.

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