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State markets/Vermont/Windsor County

COUNTY MORTGAGE MARKET · FIPS 50027

Windsor County, Vermont

Who lends in Windsor 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

$387.6M

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

Originations · 2025

1,324

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

Denial rate · 2025

18.5%

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

Lenders active · 2025

164

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

Concentration (HHI)

638

unconcentrated

Top-5 lender share

44.2%

of originations

Purchase

66.2%

647 loans

Refinance

33.8%

331 loans

Origination trend

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

Lenders in Windsor 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 Windsor 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 WINDSOR COUNTY →

TOP TEN LENDERS IN WINDSOR 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.

272$73.8M$73.8M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
138$46.9M$46.9M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
96$22.7M$22.7M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
20$14.2M$14.2M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
62$13.5M$13.5M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
19$10.8M$10.8M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
65$10.5M$10.5M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
24$8.9M$8.9M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
38$8.7M$8.7M originated in Windsor County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
24$8.6M$8.6M originated in Windsor 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 Windsor County

All 39 ZIP Code Tabulation Areas that touch Windsor 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.
39 OF 39 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
33 of the 5 Windsor County tracts this ZIP area touches sit mostly inside it.10,68611.0%3,213——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Windsor County tracts this ZIP area touches sit mostly inside it.9,0629.2%2,963——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.4,1868.9%1,402——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.3,61211.6%975——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Windsor County tracts this ZIP area touches sit mostly inside it.3,5599.0%898——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.3,4468.0%1,320——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.3,0418.1%1,192——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Windsor County tracts this ZIP area touches sit mostly inside it.3,0057.0%1,031——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Windsor County tracts this ZIP area touches sit mostly inside it.3,0058.1%1,206——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.2,8427.5%953——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Windsor County tracts this ZIP area touches sit mostly inside it.2,7509.6%809——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Windsor County tracts this ZIP area touches sit mostly inside it.2,1728.6%548——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Windsor County tracts this ZIP area touches sit mostly inside it.2,0316.9%618——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Windsor County tracts this ZIP area touches sit mostly inside it.1,6218.8%483——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.1,5446.7%645——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Windsor County tract this ZIP area touches sit mostly inside it.1,1916.0%373——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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 Windsor 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.

19 of Windsor County’s 19 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 Windsor County

All 19 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.

19 OF 19 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper169.0%3,61211.6%OPEN →
Middle118.0%2,7509.6%OPEN →
Middle115.4%4,1868.9%OPEN →
Middle111.9%3,6778.9%OPEN →
Middle108.9%2,72412.7%OPEN →
Middle98.4%4,28511.6%OPEN →
Middle108.4%3,4468.0%OPEN →
Upper149.5%3,0057.0%OPEN →
Middle91.8%1,5446.7%OPEN →
Middle118.6%2,0316.9%OPEN →
Middle83.7%3,5599.0%OPEN →
Middle102.5%2,8427.5%OPEN →
Middle93.9%1,6218.8%OPEN →
Moderate75.9%2,1728.6%OPEN →
Upper136.0%3,0058.1%OPEN →
Upper122.9%1,1916.0%OPEN →
Moderate75.8%5,0029.4%OPEN →
Middle93.6%4,0609.0%OPEN →
Middle83.2%3,0418.1%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

57,990

Median household income

$77,594

Median home value

$296,400

Median gross rent

$1,118

per month

Owner-occupied

74.8%

of occupied units

Housing units

34,846

27.4% vacant

Poverty rate

9.2%

Unemployment

4.4%

Natural-hazard exposure

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

Overall risk

Relatively Low

score 61.6

Social vulnerability

Relatively Low

Community resilience

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

82

Declarations recorded

27

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

Everything we hold on Windsor 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 Windsor County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Windsor County →Every reported application and origination in FIPS 50027, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Windsor 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

44

—

Purchase share

47.7%

21 loans

IRRRL refinances

16

Cash-out refinances

7

202644—21167
202554—291213
202429—1748
202343—28114
2022——301122
2021143—467819
202097—434113
201948—3918
201857—39810
201761—281518
201676—401719
201546—211312

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 Windsor 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

Windsor 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

119

+16.7% vs 2024

Multifamily · 2025

0

−100.0% vs 2024

Total authorized · 2025

119

−65.4% vs 2024

Permit valuation · 2025

$60.7M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01252503755001990199219941996199820002002200420062008201020122014201620182020202220242025119 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 Windsor County, showing population movement and wealth transfer.

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

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
inflow2223Other flows - Northeast, DS374609$43.2M
outflow2223Other flows - Northeast, DS368522$31.5M
outflow2223Other flows - South, DS302465$30.7M
inflow2223Other flows - South, DS235363$23.4M
outflow2223Grafton County, NH205286$15.2M
inflow2223Grafton County, NH191277$11.6M
inflow2223Other flows - West, DS177283$14.0M
outflow2223Other flows - West, DS168226$11.6M
outflow2223Orange County, VT134223$7.5M
inflow2223Orange County, VT126179$5.4M
outflow2223Sullivan County, NH115172$6.4M
inflow2223Sullivan County, NH107159$5.2M
outflow2223Rutland County, VT90130$5.2M
inflow2223Other flows - Midwest, DS85127$6.7M
inflow2223Windham County, VT80120$3.3M
outflow2223Windham County, VT77137$3.7M
outflow2223Chittenden County, VT7393$3.5M
inflow2223Chittenden County, VT6987$3.5M
outflow2223Other flows - Midwest, DS69102$4.0M
inflow2223Rutland County, VT6083$2.9M
inflow2223Middlesex County, MA4469$6.4M
outflow2223Middlesex County, MA4353$5.0M
inflow2223Washington County, VT3451$2.3M
outflow2223Washington County, VT3261$1.5M
outflow2223Suffolk County, MA3139$3.1M
inflow2223Cheshire County, NH3049$1.5M
outflow2223Cheshire County, NH2949$1.1M
inflow2223Essex County, MA2844$2.7M
inflow2223Addison County, VT2840$1.2M
inflow2223Hillsborough County, NH2537$1.4M
outflow2223New York County, NY2431$2.7M
inflow2223Suffolk County, MA2337$8.3M
outflow2223Merrimack County, NH2333$2.5M
inflow2223Capitol Planning Region, CT2330$1.4M
outflow2223Hillsborough County, NH2138$1.9M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Other flows - Northeast, DS436678$53.5M
outflow2122Other flows - Northeast, DS358534$22.1M
outflow2122Other flows - South, DS337567$32.7M
inflow2122Other flows - South, DS247375$33.3M
inflow2122Grafton County, NH194304$12.4M
outflow2122Grafton County, NH190277$15.1M
inflow2122Other flows - West, DS177291$20.8M
outflow2122Other flows - West, DS159215$13.3M
inflow2122Orange County, VT134216$5.8M
outflow2122Orange County, VT117187$5.6M
inflow2122Windham County, VT116184$5.4M
inflow2122Sullivan County, NH111197$5.4M
outflow2122Sullivan County, NH111180$7.5M
inflow2122Other flows - Midwest, DS92127$9.9M
outflow2122Rutland County, VT85139$3.9M
inflow2122Rutland County, VT81130$4.1M
outflow2122Other flows - Midwest, DS81136$5.6M
outflow2122Chittenden County, VT7595$4.3M
outflow2122Windham County, VT71110$3.4M
inflow2122Middlesex County, MA6399$13.4M
inflow2122Chittenden County, VT5482$4.6M
outflow2122Washington County, VT5171$2.9M
outflow2122Suffolk County, MA4247$3.3M
inflow2122Washington County, VT3555$1.5M
outflow2122Cheshire County, NH3148$2.1M
inflow2122Suffolk County, MA3054$3.9M
outflow2122Middlesex County, MA3045$3.4M
outflow2122Addison County, VT2637$1.1M
outflow2122Hillsborough County, NH2540$1.3M
outflow2122Cumberland County, ME2431$2.8M
inflow2122Los Angeles County, CA2439$2.8M
inflow2122Addison County, VT2226$886K
inflow2122Cheshire County, NH2236$985K
inflow2122New York County, NY2028$3.1M
inflow2122South Central Connecticut Plannin, CT2035$3.4M
outflow2021Foreign - Other flows, FR———
inflow2021Foreign - Other flows, FR———
inflow2021Other flows - Northeast, DS453725$50.5M
outflow2021Other flows - Northeast, DS363524$30.1M
outflow2021Other flows - South, DS314519$21.8M
inflow2021Other flows - South, DS272453$22.6M
inflow2021Grafton County, NH207309$12.7M
outflow2021Grafton County, NH199319$13.3M
inflow2021Other flows - West, DS173273$19.6M
outflow2021Other flows - West, DS162234$11.2M
inflow2021Sullivan County, NH153245$7.1M
outflow2021Orange County, VT137203$6.9M
outflow2021Sullivan County, NH126194$6.2M
inflow2021Orange County, VT122189$6.1M
inflow2021Rutland County, VT103158$5.6M
inflow2021Other flows - Midwest, DS102160$11.9M
inflow2021Windham County, VT96152$4.5M
outflow2021Rutland County, VT94130$5.1M
outflow2021Chittenden County, VT88131$7.1M
outflow2021Windham County, VT83132$5.2M
inflow2021Middlesex County, MA73128$14.0M
outflow2021Other flows - Midwest, DS71118$4.3M
outflow2021Washington County, VT5172$2.3M
inflow2021Chittenden County, VT4964$2.7M
inflow2021New York County, NY4576$10.9M
inflow2021Suffolk County, MA4161$7.0M
inflow2021Washington County, VT4059$1.1M
inflow2021Fairfield County, CT3259$7.4M
outflow2021Cheshire County, NH3245$1.7M
inflow2021Cheshire County, NH3148$1.3M
outflow2021Suffolk County, MA3037$1.8M
outflow2021Hillsborough County, NH2942$2.0M
outflow2021Middlesex County, MA2630$2.2M
inflow2021Norfolk County, MA2551$3.7M
inflow2021Kings County, NY2439$4.3M
inflow2021Bennington County, VT2333$853K
outflow2021Cumberland County, ME2236$1.8M
inflow2021Los Angeles County, CA2034$1.9M
inflow2021New Haven County, CT2026$1.8M
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
inflow1920Other flows - Northeast, DS436723$49.1M
outflow1920Other flows - Northeast, DS331459$21.9M
outflow1920Other flows - South, DS288509$22.3M
inflow1920Other flows - South, DS281456$22.3M
inflow1920Grafton County, NH246380$14.8M
inflow1920Other flows - West, DS202369$21.4M
outflow1920Orange County, VT187308$8.9M
outflow1920Grafton County, NH184290$14.7M
outflow1920Other flows - West, DS173289$11.4M
inflow1920Orange County, VT150253$7.5M
outflow1920Sullivan County, NH138242$7.4M
inflow1920Sullivan County, NH137227$8.0M
inflow1920Windham County, VT105171$4.9M
outflow1920Windham County, VT88145$3.5M
outflow1920Rutland County, VT87157$5.9M
inflow1920Other flows - Midwest, DS81119$5.8M
inflow1920Middlesex County, MA73130$11.1M
inflow1920Rutland County, VT72121$3.4M
outflow1920Other flows - Midwest, DS70121$3.9M
inflow1920Chittenden County, VT5473$3.3M
outflow1920Chittenden County, VT5265$2.6M
outflow1920Washington County, VT5073$2.5M
inflow1920Washington County, VT4774$2.4M
inflow1920Cheshire County, NH4478$2.0M
inflow1920Suffolk County, MA3951$9.3M
inflow1920New York County, NY3862$7.7M
outflow1920Cheshire County, NH3759$1.5M
inflow1920Fairfield County, CT3159$6.9M
inflow1920Kings County, NY2747$3.8M
inflow1920Essex County, MA2638$2.0M
outflow1920Merrimack County, NH2439$2.4M
outflow1920Middlesex County, MA2441$1.8M
outflow1920Addison County, VT2237$1.2M
inflow1920Hillsborough County, NH2031$1.6M
outflow1920Hillsborough County, NH2027$1.8M
inflow1819Foreign - Other flows, FR———
outflow1819Foreign - Other flows, FR———
inflow1819Other flows - Northeast, DS401607$56.7M
outflow1819Other flows - Northeast, DS347521$30.9M
outflow1819Other flows - South, DS272458$21.0M
inflow1819Other flows - South, DS224410$1.6M
inflow1819Grafton County, NH211321$10.9M
outflow1819Grafton County, NH198303$12.1M
inflow1819Other flows - West, DS175270$12.3M
outflow1819Orange County, VT169295$6.7M
outflow1819Other flows - West, DS163255$13.5M
outflow1819Sullivan County, NH145246$6.8M
inflow1819Orange County, VT128204$5.3M
inflow1819Sullivan County, NH101177$3.9M
inflow1819Windham County, VT92152$3.6M
outflow1819Windham County, VT86129$4.0M
inflow1819Other flows - Midwest, DS76129$4.4M
inflow1819Rutland County, VT75107$3.9M
outflow1819Chittenden County, VT72102$4.0M
outflow1819Rutland County, VT67106$2.6M
outflow1819Washington County, VT6293$2.7M
inflow1819Chittenden County, VT4457$2.3M
outflow1819Other flows - Midwest, DS4367$3.0M
inflow1819Middlesex County, MA4259$4.0M
outflow1819Cheshire County, NH3967$2.3M
outflow1819Middlesex County, MA3546$2.1M
inflow1819Washington County, VT3460$1.6M
inflow1819Cheshire County, NH2845$1.4M
inflow1819Hillsborough County, NH2538$1.4M
outflow1819Addison County, VT2231$1.3M
outflow1819Caledonia County, VT2236$1.1M
inflow1819Addison County, VT2135$630K
outflow1819Cumberland County, ME2129$1.3M
outflow1819Merrimack County, NH2138$2.5M
inflow1819Essex County, MA2034$2.8M
outflow1718Foreign - Other flows, FR———
inflow1718Foreign - Other flows, FR———
inflow1718Other flows - Northeast, DS438699$45.5M
outflow1718Other flows - Northeast, DS370533$22.6M
outflow1718Other flows - South, DS260423$14.6M
inflow1718Grafton County, NH245360$12.1M
inflow1718Other flows - South, DS234400$13.9M
outflow1718Grafton County, NH229367$16.1M
inflow1718Other flows - West, DS171265$10.9M
outflow1718Orange County, VT163252$6.3M
outflow1718Other flows - West, DS144203$9.3M
inflow1718Orange County, VT140242$7.1M
outflow1718Sullivan County, NH128210$5.1M
inflow1718Sullivan County, NH124202$5.2M
inflow1718Windham County, VT108177$5.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Windsor County.

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

2023PurchaseNo CharacteristicAll Appraisals256.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals95.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals351.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals330,000.0
2023BothNo CharacteristicAll Appraisals350,000.0
2023PurchaseNo CharacteristicAll Appraisals373,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals340,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals360,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals234.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals323,500.0
2022BothNo CharacteristicAll Appraisals551.0
2022PurchaseNo CharacteristicAll Appraisals317.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals335,000.0
2021BothNo CharacteristicAll Appraisals922.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals493.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals429.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals335,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals334,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals848.0
2020PurchaseNo CharacteristicAll Appraisals478.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals302,000.0
2020RefinanceNo CharacteristicAll Appraisals292,200.0
2020RefinanceNo CharacteristicAll Appraisals370.0
2020PurchaseNo CharacteristicAll Appraisals314,500.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals256,000.0
2019PurchaseNo CharacteristicAll Appraisals374.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals276,000.0
2019BothNo CharacteristicAll Appraisals617.0
2019RefinanceNo CharacteristicAll Appraisals243.0
2019PurchaseNo CharacteristicAll Appraisals240,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals255,000.0
2018BothNo CharacteristicAll Appraisals536.0
2018PurchaseNo CharacteristicAll Appraisals353.0
2018RefinanceNo CharacteristicAll Appraisals183.0
2018BothNo CharacteristicAll Appraisals233,800.0
2018PurchaseNo CharacteristicAll Appraisals223,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals239,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals568.0
2017PurchaseNo CharacteristicAll Appraisals354.0
2017PurchaseNo CharacteristicAll Appraisals225,000.0
2017RefinanceNo CharacteristicAll Appraisals214.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals230,000.0
2016PurchaseNo CharacteristicAll Appraisals285.0
2016RefinanceNo CharacteristicAll Appraisals252,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals225,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals240,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals572.0
2016RefinanceNo CharacteristicAll Appraisals287.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals241,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals260,000.0
2015BothNo CharacteristicAll Appraisals525.0
2015RefinanceNo CharacteristicAll Appraisals275.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals250.0
2015BothNo CharacteristicAll Appraisals250,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals230,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0528,62827,9646642.3%
2026-0428,47627,7057712.7%
2026-0329,07728,4476302.2%
2026-0229,35828,6427162.4%
2026-0129,45028,6448062.7%
2025-1229,41928,7556642.3%
2025-1129,40128,6487532.6%
2025-0929,50728,7797282.5%
2025-0830,52429,7837412.4%
2025-0730,68830,0056832.2%
2025-0630,66829,9537152.3%
2025-0529,77429,0886862.3%
2025-0429,53728,7797582.6%
2025-0330,11029,4506602.2%
2025-0230,08629,3077792.6%
2025-0130,32529,5387872.6%
2024-1230,08029,3926882.3%
2024-1130,03029,3476832.3%
2024-1030,02329,4685551.8%
2024-0930,10929,4526572.2%
2024-0830,93530,2107252.3%
2024-0730,94830,2826662.2%
2024-0630,69130,0426492.1%
2024-0529,94329,3645791.9%
2024-0429,71429,0266882.3%
2024-0330,30729,7625451.8%
2024-0230,21029,5806302.1%
2024-0130,48129,8816002.0%
2023-1230,44929,8975521.8%
2023-1130,02329,4995241.7%
2023-1029,80629,3774291.4%
2023-0929,78229,2365461.8%
2023-0830,61030,0625481.8%
2023-0730,66330,1195441.8%
2023-0630,55930,0225371.8%
2023-0529,48329,0374461.5%
2023-0429,42828,9195091.7%
2023-0330,12429,6254991.7%
2023-0230,17629,5825942.0%
2023-0130,19429,6255691.9%
2022-1230,03529,4675681.9%
2022-1129,38028,7995812.0%
2022-1029,44328,9694741.6%
2022-0929,55928,9905691.9%
2022-0830,33629,7326042.0%
2022-0730,42229,8196032.0%
2022-0630,23729,5656722.2%
2022-0529,16728,6055621.9%
2022-0429,62528,9806452.2%
2022-0330,07829,5415371.8%
2022-0229,84229,2455972.0%
2022-0129,90429,2336712.2%
2021-1229,00228,4425601.9%
2021-1129,01828,4255932.0%
2021-1029,06828,5265421.9%
2021-0929,19528,5356602.3%
2021-0830,09729,2628352.8%
2021-0730,25529,3568993.0%
2021-0629,65828,5351,1233.8%
2021-0528,88927,8291,0603.7%
2021-0429,00527,6441,3614.7%
2021-0329,30427,9461,3584.6%
2021-0228,98827,6081,3804.8%
2021-0129,17927,7931,3864.7%
2020-1228,65627,5141,1424.0%
2020-1128,56827,4291,1394.0%
2020-1028,62627,6011,0253.6%
2020-0928,56627,1311,4355.0%
2020-0829,50827,9221,5865.4%
2020-0729,85127,6702,1817.3%
2020-0630,02927,1392,8909.6%
2020-0529,51526,0993,41611.6%
2020-0430,17625,8884,28814.2%
2020-0330,07229,4556172.1%
2020-0230,28529,7595261.7%
2020-0130,36729,8045631.9%
2019-1230,08129,5954861.6%
2019-1129,92229,3765461.8%
2019-1030,11329,6974161.4%
2019-0929,91529,3735421.8%
2019-0830,90930,3315781.9%
2019-0731,05230,4995531.8%
2019-0630,86130,2645971.9%
2019-0530,06929,5814881.6%
2019-0429,48428,8646202.1%
2019-0330,16229,5715912.0%
2019-0230,15629,5635932.0%
2019-0130,25029,6076432.1%
2018-1230,17229,6185541.8%
2018-1130,12429,5815431.8%
2018-1030,43930,0094301.4%
2018-0930,19929,6055942.0%
2018-0830,82430,2056192.0%
2018-0731,25330,6246292.0%
2018-0631,21030,4807302.3%
2018-0530,38929,7036862.3%
2018-0429,80429,0227822.6%
2018-0330,75229,9957572.5%
2018-0230,61529,8227932.6%
2018-0130,56029,7997612.5%

BEA Personal Income

2024$4.44B57,697$77K
2023$4.29B58,046$74K
2022$3.97B58,116$68K
2021$3.88B58,356$66K
2020$3.67B57,736$64K
2019$3.43B57,602$60K
2018$3.15B57,500$55K
2017$3.01B57,334$52K
2016$2.90B57,146$51K
2015$2.90B57,048$51K
2014$2.83B56,950$50K
2013$2.67B56,937$47K
2012$2.66B56,788$47K
2011$2.62B56,975$46K
2010$2.50B56,673$44K
2009$2.43B56,708$43K
2008$2.48B56,850$44K
2007$2.39B57,061$42K
2006$2.30B57,184$40K
2005$2.13B57,409$37K
2004$2.09B57,639$36K
2003$1.98B57,682$34K
2002$1.90B57,673$33K
2001$1.87B57,489$33K
2000$1.75B57,438$31K
1999$1.64B56,985$29K
1998$1.57B56,703$28K
1997$1.46B56,318$26K
1996$1.37B56,096$24K
1995$1.29B55,750$23K
1994$1.25B55,229$23K
1993$1.18B54,987$21K
1992$1.12B54,749$20K
1991——$19K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-08-09$0——Yes
2024-07-05$0$0$0No
2024-04-03$0$0$0No
2023-12-18$0——No
2023-12-18$0$0$0Yes
2023-12-18$12K$12K$0No
2023-12-17$10K$10K$0No
2023-09-29$0——No
2023-09-20$0$0$0Yes
2023-07-29$21K$21K$0Yes
2023-07-27$0——Yes
2023-07-13$17K$17K$0No
2023-07-12$8K$8K$0No
2023-07-11$0$0$0Yes
2023-07-11$138K$138K$0Yes
2023-07-11$96K$96K$0No
2023-07-11$0$0$0No
2023-07-11$29K$29K$0Yes
2023-07-11$8K$8K$0Yes
2023-07-11$0$0$0Yes
2023-07-10$56K$43K$13KNo
2023-07-10$0$0$0No
2023-07-10$0——Yes
2023-07-10$42K$42K$0Yes
2023-07-10$83K$83K$0Yes
2023-07-10$153K$153K$0No
2023-07-10$0——No
2023-07-10$61K$61K$0No
2023-07-10$59K$59K$0Yes
2023-07-10$8K$8K$0Yes
2023-07-10$17K$17K$0No
2023-07-10$21K$20K$604.57No
2023-07-10$2K$2K$0No
2023-07-10$19K$16K$3KYes
2023-07-10$44K$39K$5KNo
2023-07-10$14K$12K$2KYes
2023-07-10$478K$228K$250KNo
2023-07-10$96K$80K$16KNo
2023-07-10$73K$73K$0Yes
2023-07-10$158K$158K$0Yes
2023-07-10$27K$27K$0No
2023-07-10$12K$12K$0Yes
2023-07-10$2K$2K$0Yes
2023-07-10$140K$140K$0No
2023-07-10$55K$55K$0Yes
2023-07-10$29K$29K$0Yes
2023-07-10$121K$116K$5KYes
2023-07-10$21K$21K$0No
2023-07-10$5K$5K$0No
2023-07-10$10K$10K$0Yes
2023-07-10$106K$106K$0No
2023-07-10$11K$11K$0No
2023-07-10$0——No
2023-07-10$48K$39K$9KYes
2023-07-10$3K$3K$0No
2023-07-10$0$0$0No
2023-07-10$35K$35K$0No
2023-07-10$14K$14K$0No
2023-07-10$0——No
2023-07-10$91K$91K$0No
2023-07-10$28K$28K$0No
2023-07-10$314K$314K$0No
2023-07-10$0$0$0Yes
2023-07-10$3K$0$3KYes
2023-07-10$16K$16K$0Yes
2023-07-10$182K$182K$0No
2023-07-10$22K$22K$0No
2023-07-10$879.91$879.91$0No
2023-07-10$457K$399K$58KNo
2023-07-10$0$0$0No
2023-07-10$21K$21K$0Yes
2023-07-10$181K$181K$0No
2023-07-10$7K$7K$0Yes
2023-07-10$48K$48K$0No
2023-07-10$82K$82K$0Yes
2023-07-10$93K$185K$0Yes
2023-07-10$83K$83K$0No
2023-07-10$10K$10K$0Yes
2023-07-10$0$0$0No
2023-07-10$105K$105K$0No
2023-07-10$0$0$0No
2023-07-10$3K$3K$0Yes
2023-07-10$250K$250K$0Yes
2023-07-10$33K$33K$0No
2023-07-10$3K$3K$0No
2023-07-10$29K$29K$0No
2023-07-10$36K$36K$0Yes
2023-07-10$396K$396K$0No
2023-07-10$149K$66K$53KYes
2023-07-10$102K$85K$17KNo
2023-07-10$92K$92K$0No
2023-07-10$129K$129K$0Yes
2023-07-10$19K$19K$0No
2023-07-10$23K$23K$0Yes
2023-07-10$0——Yes
2023-07-10$15K$15K$0No
2023-07-10$0——Yes
2023-07-10$5K$5K$0No
2023-07-10$0$0$0No
2023-07-10$44K$26K$18KYes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN WINDSOR COUNTY →Opens the loan explorer already filtered to county FIPS 50027.

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