COUNTY MORTGAGE MARKET · FIPS 48201
Harris County, Texas
Who lends in Harris 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
$23.43B
Origination volumeSum of loan amount over HMDA records with action taken = 1.Originations · 2025
62,641
OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.Denial rate · 2025
20.7%
Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).Lenders active · 2025
900
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 900 lenders that originated in Harris County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.
Concentration (HHI)
175
unconcentrated
Top-5 lender share
22.0%
of originations
Purchase
76.3%
43,310 loans
Refinance
23.7%
13,453 loans
Origination trend
Annual mortgage origination volume and loan count in Harris County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.
Lenders in Harris 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 Harris County loan records. The panel states which source answered and exactly which lenders that source covers.
Enter a ORIGINATIONS minimum and maximum in loans; leave blank for no bound.
ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.TOP TEN LENDERS IN HARRIS 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.
6,322$2.09B$2.09B originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4,343$1.15B$1.15B originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,940$803.1M$803.1M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2,263$569.3M$569.3M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,030$547.4M$547.4M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
17$468.3M$468.3M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,328$390.6M$390.6M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
336$388.8M$388.8M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,092$358.1M$358.1M originated in Harris County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
388$325.1M$325.1M originated in Harris 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 Harris County
All 143 ZIP Code Tabulation Areas that touch Harris 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.
Enter a POPULATION minimum and maximum in people; leave blank for no bound.
Enter a TRACTS minimum and maximum in tracts; leave blank for no bound.
TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.143 OF 143 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1919 of the 22 Harris County tracts this ZIP area touches sit mostly inside it.127,99880.5%24,422——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 19 Harris County tracts this ZIP area touches sit mostly inside it.112,96960.7%24,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
2323 of the 26 Harris County tracts this ZIP area touches sit mostly inside it.109,30877.7%20,971——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 23 Harris County tracts this ZIP area touches sit mostly inside it.94,61644.9%25,125——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1818 of the 21 Harris County tracts this ZIP area touches sit mostly inside it.79,74848.9%19,891——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
2323 of the 24 Harris County tracts this ZIP area touches sit mostly inside it.73,13393.2%5,047——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 19 Harris County tracts this ZIP area touches sit mostly inside it.71,81660.7%17,844——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.68,00648.7%16,028——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.66,08355.8%16,343——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 19 Harris County tracts this ZIP area touches sit mostly inside it.63,53889.3%10,858——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.63,36070.6%14,553——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.59,07371.1%10,446——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.58,57082.6%7,652——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 18 Harris County tracts this ZIP area touches sit mostly inside it.58,56982.1%12,184——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1818 of the 25 Harris County tracts this ZIP area touches sit mostly inside it.57,69964.9%9,417——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.57,68081.6%11,620——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.55,66581.1%11,549——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.55,51549.4%13,095——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.55,43782.4%10,709——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.54,67894.2%10,944——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.52,33794.6%8,229——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.52,21494.0%6,731——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 18 Harris County tracts this ZIP area touches sit mostly inside it.49,69459.5%9,829——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.48,91376.3%9,880——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.48,80276.7%9,808——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.47,66154.4%11,183——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.47,24579.0%7,010——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1616 of the 18 Harris County tracts this ZIP area touches sit mostly inside it.47,06171.4%6,090——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.46,88492.8%7,976——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.46,42345.8%11,305——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.45,35240.6%11,690——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.45,26462.4%10,270——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Harris County tracts this ZIP area touches sit mostly inside it.44,95795.3%7,200——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1818 of the 23 Harris County tracts this ZIP area touches sit mostly inside it.44,31457.3%7,017——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.43,20495.1%3,451——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.43,16593.5%6,988——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 20 Harris County tracts this ZIP area touches sit mostly inside it.41,95187.1%4,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 19 Harris County tracts this ZIP area touches sit mostly inside it.40,91964.3%7,166——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.40,83493.6%7,300——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.40,47088.0%3,944——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 20 Harris County tracts this ZIP area touches sit mostly inside it.39,60589.6%912——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.38,80473.5%5,140——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.38,73641.3%9,875——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.37,88937.2%11,045——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.37,82678.9%5,569——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.37,75835.2%9,910——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.36,92278.1%6,353——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 9 Harris County tracts this ZIP area touches sit mostly inside it.36,82887.2%8,457——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.36,81990.4%4,454——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Harris County tracts this ZIP area touches sit mostly inside it.36,74867.2%7,236——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.36,70568.0%4,144——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.36,41594.4%5,609——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.36,20361.3%6,661——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.35,85976.0%8,216——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.35,84341.2%7,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 14 Harris County tracts this ZIP area touches sit mostly inside it.35,64574.6%6,767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.34,93445.7%9,008——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.34,68595.1%6,176——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.34,53744.2%8,592——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.34,53387.7%6,636——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.34,49071.6%7,724——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 19 Harris County tracts this ZIP area touches sit mostly inside it.34,46389.4%5,584——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.34,25047.4%8,557——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.33,63089.1%6,246——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.33,33995.7%5,682——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Harris County tracts this ZIP area touches sit mostly inside it.32,66832.9%9,158——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.32,61593.3%5,379——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.32,34459.7%3,442——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.32,13285.0%5,862——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Harris County tracts this ZIP area touches sit mostly inside it.32,08894.7%8,575——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.31,70093.5%5,091——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.30,92596.3%4,245——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 9 Harris County tracts this ZIP area touches sit mostly inside it.30,59998.1%5,988——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.29,51755.6%5,642——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 15 Harris County tracts this ZIP area touches sit mostly inside it.29,35993.2%4,807——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.29,16045.8%8,237——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Harris County tracts this ZIP area touches sit mostly inside it.29,09585.5%5,573——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.29,04396.8%5,266——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.28,19098.8%5,539——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.28,18888.9%3,170——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.28,06491.5%4,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.27,99694.0%4,143——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.27,92265.1%5,629——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.27,86838.5%5,500——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.27,50776.8%3,931——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.27,40787.3%4,601——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.26,56475.8%3,846——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 17 Harris County tracts this ZIP area touches sit mostly inside it.26,22291.8%4,361——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.26,14494.4%4,019——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.24,58939.4%5,517——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.24,06130.4%7,299——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Harris County tracts this ZIP area touches sit mostly inside it.23,91294.3%2,790——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.23,82145.9%3,998——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.23,50430.3%5,806——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Harris County tracts this ZIP area touches sit mostly inside it.23,24747.3%6,281——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.23,01240.1%6,993——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.22,86892.0%3,214——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.22,33297.8%3,097——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Harris County tracts this ZIP area touches sit mostly inside it.21,94195.0%4,627——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.21,35753.3%5,457——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.20,98924.0%6,558——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.20,63692.8%3,954——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.20,56437.9%3,473——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Harris County tracts this ZIP area touches sit mostly inside it.20,53697.5%3,451——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.20,36850.1%4,692——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.18,70187.7%3,117——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.18,47151.3%4,459——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Harris County tracts this ZIP area touches sit mostly inside it.18,16996.7%3,765——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.18,05080.9%1,446——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Harris County tracts this ZIP area touches sit mostly inside it.17,86492.0%2,635——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.17,71697.9%3,253——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.17,22840.8%6,004——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.17,10197.0%2,089——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.16,51697.7%3,096——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Harris County tracts this ZIP area touches sit mostly inside it.16,46326.9%3,851——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Harris County tracts this ZIP area touches sit mostly inside it.16,23139.5%2,254——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Harris County tracts this ZIP area touches sit mostly inside it.16,21465.0%1,696——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Harris County tracts this ZIP area touches sit mostly inside it.16,15393.0%2,677——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.15,93697.1%3,432——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Harris County tracts this ZIP area touches sit mostly inside it.15,42894.7%2,816——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.15,07359.5%3,225——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Harris County tracts this ZIP area touches sit mostly inside it.15,00545.5%2,180——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Harris County tracts this ZIP area touches sit mostly inside it.12,63552.8%2,277——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Harris County tracts this ZIP area touches sit mostly inside it.12,48164.4%2,243——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 8 Harris County tracts this ZIP area touches sit mostly inside it.11,78773.0%2,282——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Harris County tracts this ZIP area touches sit mostly inside it.10,96973.2%2,500——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Harris County tracts this ZIP area touches sit mostly inside it.10,85093.9%1,115——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 16 Harris County tracts this ZIP area touches sit mostly inside it.8,84247.6%366——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Harris County tracts this ZIP area touches sit mostly inside it.8,10392.6%1,403——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Harris County tracts this ZIP area touches sit mostly inside it.6,46933.8%1,658——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Harris County tracts this ZIP area touches sit mostly inside it.5,18144.3%1,883——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Harris County tracts this ZIP area touches sit mostly inside it.4,83051.3%1,310——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Harris County tracts this ZIP area touches sit mostly inside it.4,37197.1%995——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.3,86063.6%565——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Harris County tracts this ZIP area touches sit mostly inside it.2,97969.1%720——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Harris County tract this ZIP area touches sit mostly inside it.2,42855.4%408——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Harris 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 Harris 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.
11 of the 2 Harris County tracts this ZIP area touches sit mostly inside it.—————OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Harris 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 Harris 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 Harris 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 Harris 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.
1,115 of Harris County’s 1,115 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 Harris County
All 1,115 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.
Enter a POPULATION minimum and maximum in people; leave blank for no bound.
Enter a MINORITY % minimum and maximum in %; leave blank for no bound.
Enter a % OF MSA INCOME minimum and maximum in %; leave blank for no bound.
1,115 OF 1,115 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
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
4,838,303
Median household income
$74,983
Median home value
$276,600
Median gross rent
$1,401
per month
Owner-occupied
54.7%
of occupied units
Housing units
1,917,790
8.4% vacant
Poverty rate
16.3%
Unemployment
6.7%
Natural-hazard exposure
FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.
Overall risk
Very High
score 99.9
Social vulnerability
Relatively High
Community resilience
Very Low
ELEVATED PERILS
Inland flooding Very High · Coastal flooding Relatively High · Hurricane Very High · Tornado Very High · Strong wind Very High · Heat wave Very 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
99
Declarations recorded
41
Incident types on record: Biological, Coastal Storm, Fire, Flood, Hurricane, Severe Ice Storm, Severe Storm, Tornado.
Everything we hold on Harris 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 Harris County.
HMDA loan-level (hmda_loan_wide, county_code)
VA
VA-guaranteed lending in Harris 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
3,428
—
Purchase share
63.5%
2,178 loans
IRRRL refinances
1,213
Cash-out refinances
37
20263,428—2,1781,21337
20253,750—2,92579134
20242,945—2,62231211
20232,995—2,9493511
2022——3,6331,07871
20219,391—3,5735,700118
20207,903—3,5224,30081
20193,736—3,13254163
20183,891—3,18362682
20174,871—3,0581,675138
20164,941—3,0991,683159
20154,703—3,0671,426210
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 Harris 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
Harris 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
16,940
−15.7% vs 2024
Multifamily · 2025
13,969
+41.8% vs 2024
Total authorized · 2025
30,909
+3.3% vs 2024
Permit valuation · 2025
$7.7B
authorized construction value
Units authorized by year
Harris County · total permitted units · hover for the single-family split
UNITS · SF IN TOOLTIP
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 Harris County, showing population movement and wealth transfer.
IRS county-to-county migration flows (irs_county_migration, self_geoid)
outflow2223Fort Bend County, TX14,43329,268$1.01B
outflow2223Montgomery County, TX12,73325,206$1.11B
inflow2223Fort Bend County, TX11,57221,458$900.7M
inflow2223Montgomery County, TX7,41013,365$553.5M
outflow2223Brazoria County, TX5,1579,828$340.7M
outflow2223Galveston County, TX4,4408,050$367.0M
inflow2223Brazoria County, TX3,6256,317$241.9M
inflow2223Galveston County, TX3,5596,042$269.2M
outflow2223Travis County, TX3,0734,282$430.7M
inflow2223Other flows - South, DS2,9685,155$212.0M
outflow2223Other flows - South, DS2,9175,302$206.0M
outflow2223Liberty County, TX2,4196,072$117.0M
inflow2223Travis County, TX2,3673,302$207.8M
outflow2223Dallas County, TX2,1643,309$197.8M
inflow2223Dallas County, TX2,0233,106$156.2M
outflow2223Other flows - Midwest, DS1,8713,373$115.3M
inflow2223Bexar County, TX1,7982,881$115.1M
inflow2223Other flows - Midwest, DS1,7742,950$112.1M
outflow2223Bexar County, TX1,7663,032$115.4M
inflow2223Los Angeles County, CA1,6472,817$123.8M
outflow2223Tarrant County, TX1,3962,284$101.6M
outflow2223Foreign - Overseas, FR1,2932,418$236.2M
inflow2223Tarrant County, TX1,2232,069$78.3M
outflow2223Other flows - West, DS1,1521,968$117.0M
outflow2223Chambers County, TX1,1372,379$87.7M
inflow2223Jefferson County, TX1,1262,054$62.9M
inflow2223Miami-Dade County, FL1,0941,898$67.5M
outflow2223Waller County, TX1,0902,244$82.9M
inflow2223Other flows - West, DS1,0361,814$80.2M
outflow2223Los Angeles County, CA1,0151,531$72.6M
outflow2223Williamson County, TX9931,662$105.0M
inflow2223Cook County, IL9911,673$79.3M
inflow2223Liberty County, TX9822,027$39.7M
inflow2223Brazos County, TX9581,394$53.7M
outflow2223Jefferson County, TX9071,679$43.5M
outflow2223Other flows - Northeast, DS8551,479$91.3M
outflow2223Collin County, TX8511,492$72.7M
inflow2223Waller County, TX8381,676$70.6M
outflow2223Cook County, IL8131,211$89.1M
outflow2223Brazos County, TX7781,243$54.1M
inflow2223Williamson County, TX7401,218$54.9M
inflow2223San Diego County, CA7211,292$52.1M
outflow2223Denton County, TX7121,181$100.8M
inflow2223Chambers County, TX6951,326$42.3M
inflow2223Other flows - Northeast, DS6951,188$53.8M
inflow2223Maricopa County, AZ6851,182$92.9M
inflow2223Collin County, TX6821,129$59.2M
outflow2223Maricopa County, AZ6591,147$68.2M
inflow2223Orleans Parish, LA6311,158$39.8M
inflow2223Denton County, TX597953$42.7M
inflow2223Hidalgo County, TX5941,110$28.3M
inflow2223East Baton Rouge Parish, LA590977$39.0M
inflow2223Broward County, FL5851,023$37.2M
outflow2223King County, WA581864$66.7M
inflow2223Foreign - Overseas, FR5721,124$118.2M
outflow2223New York County, NY557698$80.2M
inflow2223Clark County, NV543996$32.7M
outflow2223Walker County, TX528879$33.4M
outflow2223Hidalgo County, TX5251,046$26.4M
outflow2223Miami-Dade County, FL522825$46.0M
inflow2223Orange County, CA515947$40.4M
inflow2223Bell County, TX511964$24.7M
outflow2223San Diego County, CA511832$40.2M
outflow2223Hays County, TX497785$34.3M
inflow2223Nueces County, TX483848$34.5M
inflow2223Jefferson Parish, LA442804$20.8M
inflow2223Kings County, NY434693$32.5M
inflow2223Cameron County, TX432805$19.2M
inflow2223Walker County, TX431644$19.0M
inflow2223King County, WA424722$97.6M
outflow2223Denver County, CO421560$46.7M
inflow2223Orange County, FL408741$20.5M
inflow2223Queens County, NY401710$23.7M
outflow2223Polk County, TX394808$33.0M
outflow2223Bell County, TX389713$20.5M
inflow2223Fulton County, GA387597$36.5M
outflow2223Orleans Parish, LA385676$20.5M
outflow2223Comal County, TX381667$51.5M
outflow2223Clark County, NV380617$20.4M
outflow2223Nueces County, TX375630$33.1M
outflow2223Santa Clara County, CA374619$38.5M
inflow2223New York County, NY372538$68.6M
outflow2223Cameron County, TX365706$16.1M
inflow2223Hillsborough County, FL363594$27.8M
inflow2223El Paso County, TX353662$19.7M
outflow2223Austin County, TX350708$26.3M
inflow2223San Bernardino County, CA341636$19.1M
inflow2223Santa Clara County, CA339592$41.9M
inflow2223Hays County, TX338442$19.2M
inflow2223Calcasieu Parish, LA331586$25.3M
outflow2223Grimes County, TX330701$32.7M
inflow2223Riverside County, CA317612$17.7M
outflow2223Fulton County, GA315473$43.0M
outflow2223Kings County, NY314403$24.7M
outflow2223Hillsborough County, FL309496$18.7M
outflow2223East Baton Rouge Parish, LA308558$25.1M
outflow2223El Paso County, TX307497$16.9M
inflow2223Lafayette Parish, LA304494$16.4M
outflow2223Broward County, FL296470$34.4M
outflow2223San Jacinto County, TX294605$20.1M
outflow2223Orange County, CA293501$28.0M
inflow2223Contra Costa County, CA292676$124.3M
outflow2223El Paso County, CO289531$19.7M
inflow2223Midland County, TX288553$42.2M
inflow2223Shelby County, TN284508$16.2M
outflow2223Midland County, TX284523$32.1M
inflow2223Palm Beach County, FL278436$17.8M
inflow2223Alameda County, CA276513$32.5M
outflow2223Washington County, TX273486$76.3M
outflow2223Orange County, FL266443$17.9M
inflow2223Denver County, CO264411$49.6M
inflow2223Wayne County, MI260482$16.9M
inflow2223Bronx County, NY248439$11.5M
inflow2223Polk County, TX245429$10.6M
inflow2223St. Louis County, MO242432$15.5M
inflow2223Lubbock County, TX241345$15.9M
inflow2223Duval County, FL240413$14.2M
inflow2223Prince George's County, MD239373$16.6M
outflow2223Calcasieu Parish, LA238450$10.8M
inflow2223Fairfax County, VA238400$33.5M
inflow2223Marion County, IN234400$14.1M
outflow2223Davidson County, TN233345$28.2M
outflow2223Jefferson Parish, LA232428$9.6M
outflow2223Oklahoma County, OK231407$17.7M
inflow2223Gwinnett County, GA229409$10.7M
outflow2223Lafayette Parish, LA225412$16.9M
inflow2223Oklahoma County, OK222367$20.2M
outflow2223Middlesex County, MA222355$25.2M
inflow2223McLennan County, TX221352$10.7M
outflow2223Mecklenburg County, NC218359$22.3M
inflow2223Philadelphia County, PA217365$16.3M
outflow2223District of Columbia, DC217264$17.8M
inflow2223Suffolk County, NY214354$11.3M
inflow2223Montgomery County, MD211367$17.6M
inflow2223Mecklenburg County, NC211337$17.3M
inflow2223Sacramento County, CA210387$10.5M
inflow2223District of Columbia, DC207291$24.7M
outflow2223Smith County, TX207359$12.9M
inflow2223DeKalb County, GA207352$13.7M
outflow2223McLennan County, TX207341$11.6M
inflow2223Franklin County, OH206339$12.5M
inflow2223Foreign - APO/FPO ZIPs, FR206408$12.2M
outflow2223Arapahoe County, CO205361$19.7M
inflow2223Milwaukee County, WI201370$11.5M
outflow2223Lubbock County, TX197301$11.6M
outflow2223Foreign - APO/FPO ZIPs, FR196317$10.0M
outflow2223Alameda County, CA196284$15.9M
inflow2223Tulsa County, OK196351$17.0M
outflow2223San Francisco County, CA196247$24.9M
inflow2223Hennepin County, MN195355$17.5M
inflow2223Nassau County, NY195342$16.0M
inflow2223Cuyahoga County, OH194336$12.5M
inflow2223Arapahoe County, CO193340$14.8M
inflow2223Davidson County, TN193305$13.3M
inflow2223Oakland County, MI192299$16.3M
inflow2223Allegheny County, PA191347$25.6M
inflow2223Cobb County, GA190284$11.1M
inflow2223Smith County, TX188329$12.2M
outflow2223Fairfax County, VA186312$21.6M
outflow2223Shelby County, TN184333$9.7M
inflow2223El Paso County, CO183327$11.4M
outflow2223Palm Beach County, FL182302$23.2M
inflow2223Grimes County, TX182376$14.6M
inflow2223Caddo Parish, LA181316$8.9M
inflow2223Hudson County, NJ179307$19.3M
outflow2223Contra Costa County, CA178383$81.0M
outflow2223Angelina County, TX178337$12.9M
inflow2223Austin County, TX178314$11.4M
inflow2223Webb County, TX178359$9.5M
outflow2223Orange County, TX175360$7.6M
outflow2223DeKalb County, GA174272$11.5M
outflow2223Tulsa County, OK174325$18.1M
inflow2223Honolulu County, HI174324$12.1M
outflow2223Queens County, NY173256$11.2M
outflow2223Gwinnett County, GA172321$8.1M
outflow2223Salt Lake County, UT172273$12.2M
inflow2223Wake County, NC171281$12.9M
inflow2223Middlesex County, MA171279$19.1M
inflow2223Suffolk County, MA171254$14.9M
inflow2223Pierce County, WA170340$10.7M
outflow2223Suffolk County, MA169227$14.2M
outflow2223Jefferson County, CO169274$30.3M
inflow2223Victoria County, TX168293$10.6M
outflow2223Wayne County, MI166301$9.3M
inflow2223Mobile County, AL166299$8.9M
inflow2223Jackson County, MO164283$11.3M
outflow2223Riverside County, CA164312$14.2M
inflow2223Salt Lake County, UT163298$12.3M
inflow2223St. Tammany Parish, LA163265$11.1M
outflow2223Franklin County, OH162299$9.6M
outflow2223Duval County, FL161270$10.4M
outflow2223Montgomery County, MD161270$20.2M
inflow2223San Jacinto County, TX161288$7.9M
outflow2223Guadalupe County, TX158290$12.9M
outflow2223Wake County, NC156275$16.9M
inflow2223Comal County, TX156240$9.9M
inflow2223Essex County, NJ154298$10.7M
outflow2223Philadelphia County, PA153222$10.7M
inflow2223Angelina County, TX151252$6.7M
inflow2223Nacogdoches County, TX151226$6.0M
UAD APPRAISALS
FHFA Uniform Appraisal Dataset aggregates for Harris County.
FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)
2023PurchaseNo CharacteristicAll Appraisals31,692.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals7,896.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals39,588.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals290,000.0
2023BothNo CharacteristicAll Appraisals330,000.0
2023PurchaseNo CharacteristicAll Appraisals341,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals327,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals345,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals18,412.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals295,000.0
2022BothNo CharacteristicAll Appraisals59,716.0
2022PurchaseNo CharacteristicAll Appraisals41,304.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals294,000.0
2021BothNo CharacteristicAll Appraisals93,558.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals50,239.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals43,319.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals300,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals308,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals91,338.0
2020PurchaseNo CharacteristicAll Appraisals44,572.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals285,000.0
2020RefinanceNo CharacteristicAll Appraisals303,300.0
2020RefinanceNo CharacteristicAll Appraisals46,766.0
2020PurchaseNo CharacteristicAll Appraisals270,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals255,000.0
2019PurchaseNo CharacteristicAll Appraisals40,079.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals250,000.0
2019BothNo CharacteristicAll Appraisals62,129.0
2019RefinanceNo CharacteristicAll Appraisals22,050.0
2019PurchaseNo CharacteristicAll Appraisals257,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals208,000.0
2018BothNo CharacteristicAll Appraisals53,444.0
2018PurchaseNo CharacteristicAll Appraisals37,117.0
2018RefinanceNo CharacteristicAll Appraisals16,327.0
2018BothNo CharacteristicAll Appraisals237,000.0
2018PurchaseNo CharacteristicAll Appraisals253,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals211,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals51,731.0
2017PurchaseNo CharacteristicAll Appraisals33,553.0
2017PurchaseNo CharacteristicAll Appraisals250,000.0
2017RefinanceNo CharacteristicAll Appraisals18,178.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals235,000.0
2016PurchaseNo CharacteristicAll Appraisals34,188.0
2016RefinanceNo CharacteristicAll Appraisals235,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals239,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals236,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals60,231.0
2016RefinanceNo CharacteristicAll Appraisals26,043.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals230,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals222,500.0
2015BothNo CharacteristicAll Appraisals58,659.0
2015RefinanceNo CharacteristicAll Appraisals24,153.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals34,506.0
2015BothNo CharacteristicAll Appraisals227,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals215,000.0
ECONOMY & INCOME
Local economy indicators — BLS unemployment rates and BEA personal income for Harris County.
BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)
BLS Local Area Unemployment
2026-052,540,6692,423,723116,9464.6%
2026-042,529,0912,419,109109,9824.3%
2026-032,533,7862,421,423112,3634.4%
2026-022,536,2022,415,628120,5744.8%
2026-012,527,2272,403,328123,8994.9%
2025-122,542,4672,433,097109,3704.3%
2025-112,550,9102,432,419118,4914.6%
2025-092,549,2072,424,894124,3134.9%
2025-082,533,1392,407,148125,9915.0%
2025-072,533,5242,411,652121,8724.8%
2025-062,541,6462,425,452116,1944.6%
2025-052,525,0392,416,944108,0954.3%
2025-042,540,9972,437,851103,1464.1%
2025-032,532,4192,423,272109,1474.3%
2025-022,526,9852,411,622115,3634.6%
2025-012,518,0382,403,589114,4494.5%
2024-122,519,3172,413,337105,9804.2%
2024-112,522,6852,408,011114,6744.5%
2024-102,518,9782,405,835113,1434.5%
2024-092,519,5192,403,639115,8804.6%
2024-082,508,7972,383,956124,8415.0%
2024-072,500,6032,370,468130,1355.2%
2024-062,504,5752,384,586119,9894.8%
2024-052,478,6702,376,641102,0294.1%
2024-042,481,3542,385,81295,5423.9%
2024-032,482,9092,378,548104,3614.2%
2024-022,474,9852,363,077111,9084.5%
2024-012,453,5662,344,139109,4274.5%
2023-122,458,1262,359,99698,1304.0%
2023-112,469,7862,371,90797,8794.0%
2023-102,456,0482,354,803101,2454.1%
2023-092,456,1682,349,442106,7264.3%
2023-082,449,2992,335,562113,7374.6%
2023-072,446,5032,335,682110,8214.5%
2023-062,440,2342,330,543109,6914.5%
2023-052,426,1072,323,090103,0174.2%
2023-042,424,9522,332,55292,4003.8%
2023-032,431,3602,327,090104,2704.3%
2023-022,426,0162,314,319111,6974.6%
2023-012,400,2252,290,662109,5634.6%
2022-122,403,9712,309,16094,8113.9%
2022-112,400,2402,302,31497,9264.1%
2022-102,389,5812,292,97596,6064.0%
2022-092,375,2922,278,21397,0794.1%
2022-082,369,9742,266,652103,3224.4%
2022-072,368,3602,264,829103,5314.4%
2022-062,369,1762,263,509105,6674.5%
2022-052,355,8412,263,59992,2423.9%
2022-042,348,8972,259,09089,8073.8%
2022-032,354,4062,258,34296,0644.1%
2022-022,354,4612,243,890110,5714.7%
2022-012,339,1612,220,168118,9935.1%
2021-122,351,4322,246,991104,4414.4%
2021-112,358,7692,245,584113,1854.8%
2021-102,340,1872,219,488120,6995.2%
2021-092,329,7772,200,526129,2515.5%
2021-082,328,3652,184,028144,3376.2%
2021-072,337,9312,183,886154,0456.6%
2021-062,326,6042,162,716163,8887.0%
2021-052,307,2472,160,490146,7576.4%
2021-042,311,5732,157,360154,2136.7%
2021-032,311,4392,145,788165,6517.2%
2021-022,311,5712,136,782174,7897.6%
2021-012,298,2012,117,086181,1157.9%
2020-122,327,7542,150,764176,9907.6%
2020-112,335,4952,156,633178,8627.7%
2020-102,329,7662,147,207182,5597.8%
2020-092,330,0412,112,273217,7689.3%
2020-082,322,1782,100,871221,3079.5%
2020-072,329,8002,061,485268,31511.5%
2020-062,328,5562,049,502279,05412.0%
2020-052,298,8421,991,726307,11613.4%
2020-042,233,5441,926,115307,42913.8%
2020-032,315,8802,180,355135,5255.9%
2020-022,356,1622,267,60288,5603.8%
2020-012,335,5972,241,95393,6444.0%
2019-122,347,0042,264,38582,6193.5%
2019-112,353,5242,268,86284,6623.6%
2019-102,343,4752,260,00983,4663.6%
2019-092,338,3432,251,93186,4123.7%
2019-082,327,0102,234,49992,5114.0%
2019-072,339,4932,243,61295,8814.1%
2019-062,330,9612,237,21293,7494.0%
2019-052,307,9912,229,76278,2293.4%
2019-042,306,8162,230,47276,3443.3%
2019-032,316,0902,229,48986,6013.7%
2019-022,328,3362,232,65495,6824.1%
2019-012,312,7352,208,067104,6684.5%
2018-122,328,3392,235,68592,6544.0%
2018-112,324,7482,234,45490,2943.9%
2018-102,317,1602,226,97790,1833.9%
2018-092,305,6242,208,43397,1914.2%
2018-082,300,6682,199,054101,6144.4%
2018-072,324,3952,218,531105,8644.6%
2018-062,318,5122,209,440109,0724.7%
2018-052,299,6342,204,80094,8344.1%
2018-042,305,8752,208,28397,5924.2%
2018-032,307,5092,202,299105,2104.6%
2018-022,315,0922,202,473112,6194.9%
2018-012,286,7512,171,906114,8455.0%
BEA Personal Income
2024$400.70B5,009,302$80K
2023$382.20B4,903,450$78K
2022$342.86B4,806,747$71K
2021$313.69B4,736,633$66K
2020$279.89B4,735,383$59K
2019$276.09B4,706,231$59K
2018$269.24B4,674,226$58K
2017$250.40B4,653,436$54K
2016$232.53B4,620,800$50K
2015$244.14B4,554,850$54K
2014$242.18B4,453,567$54K
2013$225.60B4,351,360$52K
2012$225.76B4,261,816$53K
2011$206.19B4,178,872$49K
2010$189.49B4,107,461$46K
2009$178.55B4,034,866$44K
2008$193.18B3,938,580$49K
2007$172.60B3,863,344$45K
2006$164.39B3,807,435$43K
2005$147.60B3,681,829$40K
2004$136.03B3,630,185$37K
2003$125.98B3,586,133$35K
2002$120.67B3,536,682$34K
2001$122.85B3,471,291$35K
2000$117.65B3,414,239$34K
1999$108.02B3,359,671$32K
1998$103.42B3,295,050$31K
1997$94.10B3,229,338$29K
1996$84.66B3,172,959$27K
1995$77.67B3,121,621$25K
1994$72.33B3,080,698$23K
1993$69.83B3,033,757$23K
1992$66.81B2,982,258$22K
1991——$21K
NFIP FLOOD CLAIMS
FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Harris County.
FEMA NFIP redacted claims (nfip_claim, county_code)
2026-07-07$0——No
2026-06-21$0——Yes
2026-06-20$18K$18K$0Yes
2026-06-19$0$0$0Yes
2026-06-17$0——Yes
2026-06-17$0——Yes
2026-06-16$0——Yes
2026-06-16$0$0$0Yes
2026-06-16$20K$20K$0Yes
2026-06-16$0——Yes
2026-06-16$37K$37K$0Yes
2026-06-15$25K$25K$0No
2026-06-15$37K$37K$0No
2026-06-15$0——No
2026-06-15$19K$19K$0Yes
2026-06-15$37K$37K$0Yes
2026-06-15$2K$2K$0Yes
2026-06-15$0——Yes
2026-06-15$0——Yes
2026-06-15$0——Yes
2026-06-15$0——Yes
2026-06-15$0——Yes
2026-06-05$1K$1K$0No
2026-06-04$2K$2K$0Yes
2026-06-04$27K$27K$0Yes
2026-06-04$0——Yes
2026-06-04$3K$3K$0Yes
2026-06-04$2K$2K$0Yes
2026-06-03$0——Yes
2026-06-02$0——No
2026-06-01$0——Yes
2026-05-24$0$0$0Yes
2026-05-23$3K$3K$0Yes
2026-05-23$37K$37K$0Yes
2026-05-23$19K$19K$0Yes
2026-05-03$0$0$0Yes
2026-05-01$0——Yes
2026-05-01$138K$138K$0No
2026-05-01$0——Yes
2026-05-01$4K$4K$0No
2026-05-01$0——Yes
2026-04-30$0$0$0Yes
2026-04-25$0——Yes
2026-04-25$0$0$0Yes
2026-04-22$0——Yes
2026-04-21$0$0$0Yes
2026-04-21$0$0$0Yes
2026-04-20$0——Yes
2026-04-12$9K$8K$453.31Yes
2026-04-12$19K$19K$0No
2026-04-12$30K$30K$0No
2026-04-12$27K$27K$0Yes
2026-04-12$18K$18K$149.33Yes
2026-04-12$8K$8K$0No
2026-04-12$39K$39K$0Yes
2026-04-12$112K$106K$6KYes
2026-04-10$10K$10K$0No
2026-03-18$0$0$0No
2026-03-15$0——Yes
2026-03-08$3K$3K$0Yes
2026-03-08$6K$6K$0No
2026-03-07$23K$23K$0No
2026-03-07$41K$41K$20.2Yes
2026-03-07$0——Yes
2026-03-07$2K$2K$0Yes
2026-03-07$0——Yes
2026-02-14$320K$0$320KNo
2026-01-30$0——Yes
2025-12-23$0——Yes
2025-12-05$0——Yes
2025-11-27$19K$19K$0Yes
2025-11-23$0$0$0Yes
2025-11-17$0——Yes
2025-10-29$0——Yes
2025-10-24$0$0$0Yes
2025-08-31$439K$353K$86KNo
2025-08-31$1K$1K$0Yes
2025-08-31$42.58$42.58$0Yes
2025-08-30$5K$5K$0Yes
2025-08-28$0$0$0Yes
2025-07-25$0——Yes
2025-07-18$0——Yes
2025-07-09$17K$17K$0Yes
2025-07-06$2K$2K$0Yes
2025-07-04$0——Yes
2025-06-28$2K$2K$0Yes
2025-06-28$7K$7K$0Yes
2025-06-26$19K$19K$0Yes
2025-06-26$2K$2K$0No
2025-06-26$9K$9K$0Yes
2025-06-26$2K$2K$0Yes
2025-06-26$21K$21K$0Yes
2025-06-26$17K$17K$0Yes
2025-06-26$0——Yes
2025-06-16$2K$2K$0Yes
2025-06-15$2K$2K$0Yes
2025-06-15$0——Yes
2025-06-13$0$0$0No
2025-06-12$40K$40K$0Yes
2025-06-12$5K$5K$0Yes
ALSO CHECKED
18 more data areas were checked for Harris 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 GRAINFHA
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 GRAINFannie / 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 GRAINGSE 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 GRAINGinnie 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 GRAINHousing 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 GRAINCUSO 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 GRAINSubservicing 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 GRAINCo-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 GRAINMSR 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 GRAINBuilder & 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 GRAINNon-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 GRAINAgency-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 GRAINComplaints-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 GRAINNMLS 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 GRAINCFPB 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 GRAINState enforcement
enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county
- WRONG GRAINWARN 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 GRAINMortgage 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 TX state hub, which carries the same registry at the grain those sources actually have.
Go deeper
EVERY HMDA RECORD IN HARRIS COUNTY →Opens the loan explorer already filtered to county FIPS 48201.
See the Texas state market profile for the statewide picture, the Texas 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.