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State markets/West Virginia/Kanawha County

COUNTY MORTGAGE MARKET · FIPS 54039

Kanawha County, West Virginia

Who lends in Kanawha 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

$472.3M

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

Originations · 2025

2,758

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

Denial rate · 2025

22.2%

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

Lenders active · 2025

200

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

Concentration (HHI)

420

unconcentrated

Top-5 lender share

37.8%

of originations

Purchase

66.5%

1,546 loans

Refinance

33.5%

779 loans

Origination trend

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

Lenders in Kanawha 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 Kanawha 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 KANAWHA COUNTY →

TOP TEN LENDERS IN KANAWHA 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.

365$50.6M$50.6M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$37.0M$37.0M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
228$34.8M$34.8M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
182$29.1M$29.1M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
165$27.2M$27.2M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
124$18.2M$18.2M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
105$17.7M$17.7M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
119$14.9M$14.9M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
85$14.7M$14.7M originated in Kanawha County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
84$13.9M$13.9M originated in Kanawha 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 Kanawha County

All 48 ZIP Code Tabulation Areas that touch Kanawha 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.
48 OF 48 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
77 of the 9 Kanawha County tracts this ZIP area touches sit mostly inside it.21,74011.2%6,450——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Kanawha County tracts this ZIP area touches sit mostly inside it.17,32525.8%4,633——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 9 Kanawha County tracts this ZIP area touches sit mostly inside it.13,51810.5%4,620——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 10 Kanawha County tracts this ZIP area touches sit mostly inside it.12,37012.4%4,588——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Kanawha County tracts this ZIP area touches sit mostly inside it.12,3424.9%4,532——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Kanawha County tracts this ZIP area touches sit mostly inside it.12,24215.2%3,834——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Kanawha County tracts this ZIP area touches sit mostly inside it.11,53725.5%2,639——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Kanawha County tracts this ZIP area touches sit mostly inside it.10,21519.1%3,149——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 Kanawha County tracts this ZIP area touches sit mostly inside it.10,19415.5%3,043——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Kanawha County tracts this ZIP area touches sit mostly inside it.9,67430.1%2,524——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Kanawha County tracts this ZIP area touches sit mostly inside it.8,87219.5%2,375——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Kanawha County tracts this ZIP area touches sit mostly inside it.5,28012.0%1,450——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Kanawha County tracts this ZIP area touches sit mostly inside it.5,2153.9%1,830——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Kanawha County tract this ZIP area touches sit mostly inside it.4,4839.1%1,598——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kanawha County tract this ZIP area touches sit mostly inside it.4,3528.0%1,551——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kanawha County tract this ZIP area touches sit mostly inside it.4,2927.0%1,482——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Kanawha County tracts this ZIP area touches sit mostly inside it.4,00822.8%1,156——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Kanawha County tracts this ZIP area touches sit mostly inside it.3,86111.8%994——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Kanawha County tracts this ZIP area touches sit mostly inside it.3,6334.3%953——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Kanawha County tracts this ZIP area touches sit mostly inside it.3,1315.7%1,225——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Kanawha County tracts this ZIP area touches sit mostly inside it.1,30338.1%187——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Kanawha County tracts this ZIP area touches sit mostly inside it.1,15839.4%95——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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 Kanawha 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.

57 of Kanawha County’s 57 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 Kanawha County

All 57 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.

57 OF 57 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Low44.9%1,30338.1%OPEN →
Middle82.5%2,31730.0%OPEN →
Middle82.8%2,57311.8%OPEN →
Middle117.4%2,15220.7%OPEN →
Middle85.5%4,00831.9%OPEN →
Moderate64.1%2,19656.4%OPEN →
Middle85.6%1,94345.2%OPEN →
Upper133.0%1,15839.4%OPEN →
Middle96.3%4,70527.3%OPEN →
Middle83.2%1,59543.1%OPEN →
Middle112.1%2,49727.1%OPEN →
Upper200.9%4,57818.3%OPEN →
Middle90.0%1,60820.6%OPEN →
Upper165.5%2,68621.1%OPEN →
Upper200.2%3,67212.2%OPEN →
Upper214.1%3,66613.5%OPEN →
Upper148.8%2,89415.4%OPEN →
Upper137.3%4,78322.6%OPEN →
Middle106.1%3,82225.2%OPEN →
Middle93.8%2,12619.9%OPEN →
Middle107.9%2,21725.3%OPEN →
Middle98.3%1,50963.9%OPEN →
Upper149.7%5,16315.4%OPEN →
Middle104.7%2,86411.2%OPEN →
Moderate72.5%2,41613.0%OPEN →
Middle106.3%5,03115.6%OPEN →
Middle95.6%4,6558.5%OPEN →
Middle87.2%2,9323.7%OPEN →
Middle85.0%4,4215.5%OPEN →
—0.0%2,2834.3%OPEN →
Middle90.3%2,1254.3%OPEN →
Upper139.2%4,4537.4%OPEN →
Middle81.4%4,2473.9%OPEN →
Moderate69.9%3,6334.3%OPEN →
Middle107.1%2,7685.8%OPEN →
Upper125.8%5,3275.3%OPEN →
Middle101.1%2,74010.8%OPEN →
Middle110.4%3,1315.7%OPEN →
Middle105.4%4,00822.8%OPEN →
Moderate75.2%4,2927.0%OPEN →
Moderate75.4%3,86111.8%OPEN →
Middle88.3%4,3528.0%OPEN →
Middle118.4%4,4839.1%OPEN →
Middle88.3%2,1386.6%OPEN →
Middle113.3%4,19813.7%OPEN →
Moderate73.2%1,23423.8%OPEN →
Moderate50.5%2,09415.0%OPEN →
Upper120.5%2,38412.7%OPEN →
Middle87.4%4,27022.7%OPEN →
Middle85.9%3,4948.0%OPEN →
Upper120.7%2,54310.7%OPEN →
Moderate59.6%1,99317.2%OPEN →
Middle82.2%2,75211.8%OPEN →
Upper126.7%4,78711.2%OPEN →
Middle117.8%2,1087.6%OPEN →
Middle110.5%5,3069.6%OPEN →
—0.0%2,25113.1%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

176,537

Median household income

$60,943

Median home value

$147,300

Median gross rent

$906

per month

Owner-occupied

71.1%

of occupied units

Housing units

90,408

15.4% vacant

Poverty rate

15.7%

Unemployment

5.6%

Natural-hazard exposure

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

Overall risk

Relatively High

score 94.5

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Inland flooding Relatively High · Strong wind Relatively High · Winter weather Relatively High

Federal disaster history

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

Months with an active declaration

85

Declarations recorded

34

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

Everything we hold on Kanawha 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 Kanawha County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Kanawha County →Every reported application and origination in FIPS 54039, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Kanawha 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

210

—

Purchase share

51.4%

108 loans

IRRRL refinances

74

Cash-out refinances

28

2026210—1087428
2025217—1404433
2024196—1521826
2023152—123425
2022——1864145
2021376—17516437
2020314—13214339
2019186—143835
2018180—1052649
2017244—1234576
2016208—1084258
2015211—1173955

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 Kanawha 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

Kanawha 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

93

−5.1% vs 2024

Multifamily · 2025

4

—

Total authorized · 2025

97

−1.0% vs 2024

Permit valuation · 2025

$11.8M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
0125250375500199019921994199619982000200220042006200820102012201420162018202020222024202597 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 Kanawha County, showing population movement and wealth transfer.

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

outflow2223Foreign - Other flows, FR———
inflow2223Foreign - Other flows, FR———
outflow2223Other flows - South, DS9741,579$81.2M
inflow2223Other flows - South, DS7661,268$38.0M
outflow2223Putnam County, WV557975$30.9M
inflow2223Putnam County, WV515885$23.3M
outflow2223Other flows - Midwest, DS294525$20.4M
inflow2223Other flows - Midwest, DS252413$11.7M
outflow2223Cabell County, WV203333$8.1M
inflow2223Cabell County, WV186262$6.8M
inflow2223Other flows - Northeast, DS176301$10.6M
inflow2223Other flows - West, DS174321$11.4M
outflow2223Other flows - West, DS153241$9.4M
outflow2223Other flows - Northeast, DS144233$8.7M
outflow2223Monongalia County, WV102129$4.4M
inflow2223Boone County, WV100172$3.7M
outflow2223Jackson County, WV99161$4.1M
inflow2223Fayette County, WV98162$3.6M
inflow2223Jackson County, WV87161$3.9M
inflow2223Raleigh County, WV82133$4.0M
outflow2223Boone County, WV82167$3.4M
inflow2223Lincoln County, WV70147$3.0M
outflow2223Fayette County, WV68104$2.6M
inflow2223Roane County, WV67128$2.8M
outflow2223Lincoln County, WV65132$3.1M
inflow2223Monongalia County, WV6272$3.0M
inflow2223Logan County, WV6092$4.9M
outflow2223Raleigh County, WV5989$3.5M
inflow2223Wood County, WV5670$2.5M
inflow2223Clay County, WV5285$2.0M
outflow2223Franklin County, OH5285$2.4M
outflow2223Roane County, WV51101$2.3M
outflow2223Wood County, WV4260$1.8M
outflow2223Allegheny County, PA3445$2.5M
inflow2223Mercer County, WV3450$1.2M
outflow2223Clay County, WV3470$1.5M
inflow2223Mason County, WV3249$1.2M
outflow2223Horry County, SC3255$2.2M
inflow2223Nicholas County, WV3251$1.9M
outflow2223Mason County, WV2846$1.5M
outflow2223Mecklenburg County, NC2840$1.6M
inflow2223Greenbrier County, WV2752$1.4M
outflow2223Logan County, WV2544$1.3M
outflow2223Greenbrier County, WV2439$1.8M
outflow2223Harrison County, WV2339$1.4M
inflow2223Wayne County, WV2333$868K
outflow2223Wake County, NC2330$1.8M
inflow2223Franklin County, OH2232$1.7M
inflow2223Horry County, SC2232$854K
outflow2223Marion County, WV2139$800K
outflow2223Wayne County, WV2129$741K
inflow2223Harrison County, WV2030$609K
outflow2223Fayette County, KY2026$902K
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS9831,705$90.4M
inflow2122Other flows - South, DS7801,320$39.0M
outflow2122Putnam County, WV5781,060$33.3M
inflow2122Putnam County, WV503899$22.0M
outflow2122Other flows - Midwest, DS278512$17.2M
inflow2122Other flows - Midwest, DS266451$13.3M
outflow2122Cabell County, WV208305$7.3M
inflow2122Cabell County, WV189293$7.2M
inflow2122Other flows - West, DS185317$11.9M
inflow2122Other flows - Northeast, DS164287$9.2M
outflow2122Other flows - West, DS151231$16.7M
outflow2122Other flows - Northeast, DS134219$10.2M
inflow2122Boone County, WV114203$4.8M
inflow2122Fayette County, WV99172$4.8M
inflow2122Jackson County, WV99170$4.3M
outflow2122Jackson County, WV88164$3.5M
outflow2122Fayette County, WV82149$2.9M
inflow2122Lincoln County, WV81146$3.2M
inflow2122Monongalia County, WV78103$3.5M
outflow2122Lincoln County, WV72139$3.2M
outflow2122Raleigh County, WV68125$4.3M
outflow2122Roane County, WV67139$2.3M
outflow2122Monongalia County, WV6592$3.5M
inflow2122Raleigh County, WV65101$2.4M
inflow2122Logan County, WV62105$2.7M
outflow2122Boone County, WV62121$2.0M
inflow2122Roane County, WV60115$2.8M
inflow2122Clay County, WV5296$2.1M
outflow2122Franklin County, OH4885$2.1M
outflow2122Wood County, WV4665$2.1M
inflow2122Wood County, WV4376$1.8M
outflow2122Mecklenburg County, NC3557$1.7M
outflow2122Clay County, WV3563$1.4M
inflow2122Franklin County, OH3352$2.0M
outflow2122Logan County, WV3160$1.4M
outflow2122Horry County, SC3058$1.5M
inflow2122Mason County, WV3043$921K
inflow2122Greenbrier County, WV3049$991K
inflow2122Nicholas County, WV2752$1.6M
outflow2122Mason County, WV2559$862K
outflow2122Allegheny County, PA2434$1.7M
inflow2122Harrison County, WV2333$1.0M
outflow2122Wake County, NC2329$1.2M
outflow2122Wayne County, WV2231$536K
outflow2122Harrison County, WV2238$833K
outflow2122Nicholas County, WV2141$1.3M
inflow2122Mecklenburg County, NC2029$1.5M
inflow2122Mingo County, WV2041$856K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS9231,640$61.3M
inflow2021Other flows - South, DS7211,311$39.8M
outflow2021Putnam County, WV6221,231$33.0M
inflow2021Putnam County, WV519929$23.4M
outflow2021Other flows - Midwest, DS288494$17.4M
inflow2021Other flows - Midwest, DS235370$12.4M
outflow2021Cabell County, WV190309$5.9M
inflow2021Other flows - West, DS187311$9.7M
inflow2021Cabell County, WV173265$6.0M
inflow2021Other flows - Northeast, DS165293$11.8M
outflow2021Other flows - Northeast, DS164247$9.7M
outflow2021Other flows - West, DS144250$8.9M
inflow2021Boone County, WV110195$4.3M
inflow2021Jackson County, WV106180$5.2M
outflow2021Jackson County, WV102215$4.7M
outflow2021Fayette County, WV100180$3.0M
inflow2021Fayette County, WV97180$3.5M
inflow2021Monongalia County, WV77100$2.9M
inflow2021Lincoln County, WV77149$3.0M
outflow2021Raleigh County, WV71118$3.1M
inflow2021Raleigh County, WV69111$2.8M
outflow2021Lincoln County, WV66117$1.8M
outflow2021Boone County, WV65119$2.0M
outflow2021Monongalia County, WV5682$2.6M
outflow2021Franklin County, OH5576$1.9M
inflow2021Roane County, WV53101$1.8M
inflow2021Logan County, WV5176$2.6M
outflow2021Roane County, WV4985$2.0M
inflow2021Clay County, WV4480$1.5M
outflow2021Mecklenburg County, NC4059$1.8M
outflow2021Greenbrier County, WV3757$2.7M
outflow2021Wood County, WV3662$1.5M
outflow2021Clay County, WV3469$1.3M
inflow2021Wayne County, WV3355$1.1M
inflow2021Franklin County, OH3052$1.4M
inflow2021Wood County, WV2945$1.1M
outflow2021Nicholas County, WV2948$822K
outflow2021Logan County, WV2949$840K
inflow2021Mercer County, WV2855$830K
outflow2021Harrison County, WV2837$1.3M
outflow2021Mason County, WV2841$1.0M
inflow2021Mason County, WV2862$805K
outflow2021Horry County, SC2750$2.2M
outflow2021Wayne County, WV2639$652K
outflow2021Wake County, NC2549$1.4M
inflow2021Harrison County, WV2545$1.1M
outflow2021Mercer County, WV2443$1.2M
inflow2021Marion County, WV2431$1.2M
outflow2021Allegheny County, PA2438$1.4M
inflow2021Horry County, SC2344$802K
inflow2021Greenbrier County, WV2243$1.4M
outflow2021Brevard County, FL2031$940K
outflow2021Lawrence County, OH2037$701K
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS9551,690$49.2M
inflow1920Other flows - South, DS7221,319$40.1M
outflow1920Putnam County, WV6831,388$38.6M
inflow1920Putnam County, WV5491,039$27.6M
outflow1920Other flows - Midwest, DS252511$17.0M
inflow1920Other flows - Midwest, DS227393$11.4M
inflow1920Cabell County, WV174290$6.5M
outflow1920Other flows - Northeast, DS166288$12.4M
outflow1920Cabell County, WV156249$6.6M
outflow1920Other flows - West, DS145259$9.5M
inflow1920Other flows - West, DS141258$7.3M
inflow1920Other flows - Northeast, DS137206$7.3M
outflow1920Jackson County, WV109219$4.4M
inflow1920Fayette County, WV108237$3.9M
inflow1920Boone County, WV101187$4.1M
inflow1920Jackson County, WV96191$5.0M
inflow1920Monongalia County, WV88126$2.9M
inflow1920Lincoln County, WV88156$3.1M
outflow1920Fayette County, WV81161$3.0M
inflow1920Roane County, WV70131$2.4M
outflow1920Boone County, WV70140$3.0M
outflow1920Monongalia County, WV69106$4.5M
outflow1920Raleigh County, WV65107$3.0M
outflow1920Lincoln County, WV64123$2.1M
inflow1920Clay County, WV59121$2.1M
inflow1920Raleigh County, WV58104$2.2M
outflow1920Roane County, WV53127$2.2M
outflow1920Mecklenburg County, NC5185$3.4M
outflow1920Franklin County, OH4479$2.1M
inflow1920Logan County, WV4277$1.9M
outflow1920Wood County, WV3667$2.8M
outflow1920Clay County, WV3685$1.3M
inflow1920Wood County, WV3564$1.8M
inflow1920Nicholas County, WV3569$1.0M
outflow1920Logan County, WV3460$1.5M
inflow1920Franklin County, OH3051$1.4M
outflow1920Horry County, SC3055$1.5M
inflow1920Harrison County, WV3052$1.8M
inflow1920Greenbrier County, WV2842$1.5M
outflow1920Mason County, WV2860$1.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Kanawha County.

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

2023PurchaseNo CharacteristicAll Appraisals926.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals340.0
2023PurchaseNo CharacteristicAll Appraisals1.1
2023BothNo CharacteristicAll Appraisals1,266.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals164,000.0
2023BothNo CharacteristicAll Appraisals164,500.0
2023PurchaseNo CharacteristicAll Appraisals165,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals162,000.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals156,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals528.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals175,000.0
2022BothNo CharacteristicAll Appraisals1,687.0
2022PurchaseNo CharacteristicAll Appraisals1,159.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals174,000.0
2021BothNo CharacteristicAll Appraisals2,645.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals1,619.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021RefinanceNo CharacteristicAll Appraisals1,026.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals165,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals156,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals2,504.0
2020PurchaseNo CharacteristicAll Appraisals1,457.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals166,000.0
2020RefinanceNo CharacteristicAll Appraisals195,000.0
2020RefinanceNo CharacteristicAll Appraisals1,047.0
2020PurchaseNo CharacteristicAll Appraisals148,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals150,000.0
2019PurchaseNo CharacteristicAll Appraisals1,121.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals170,000.0
2019BothNo CharacteristicAll Appraisals1,801.0
2019RefinanceNo CharacteristicAll Appraisals680.0
2019PurchaseNo CharacteristicAll Appraisals140,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals148,500.0
2018BothNo CharacteristicAll Appraisals1,631.0
2018PurchaseNo CharacteristicAll Appraisals1,027.0
2018RefinanceNo CharacteristicAll Appraisals604.0
2018BothNo CharacteristicAll Appraisals145,000.0
2018PurchaseNo CharacteristicAll Appraisals143,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.1
2017RefinanceNo CharacteristicAll Appraisals151,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.1
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals1,645.0
2017PurchaseNo CharacteristicAll Appraisals980.0
2017PurchaseNo CharacteristicAll Appraisals145,000.0
2017RefinanceNo CharacteristicAll Appraisals665.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals147,000.0
2016PurchaseNo CharacteristicAll Appraisals849.0
2016RefinanceNo CharacteristicAll Appraisals160,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals140,000.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals150,000.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals1,580.0
2016RefinanceNo CharacteristicAll Appraisals731.0
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals138,500.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015RefinanceNo CharacteristicAll Appraisals162,000.0
2015BothNo CharacteristicAll Appraisals1,568.0
2015RefinanceNo CharacteristicAll Appraisals736.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals832.0
2015BothNo CharacteristicAll Appraisals148,500.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals145,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-0577,54274,7952,7473.5%
2026-0477,96674,8333,1334.0%
2026-0376,90273,8863,0163.9%
2026-0277,87173,9623,9095.0%
2026-0177,26973,7163,5534.6%
2025-1277,81174,4143,3974.4%
2025-1178,43074,9423,4884.4%
2025-0978,87375,5793,2944.2%
2025-0879,06775,5523,5154.4%
2025-0779,57876,3433,2354.1%
2025-0680,12276,8873,2354.0%
2025-0578,58475,7492,8353.6%
2025-0478,83475,9732,8613.6%
2025-0378,36975,1223,2474.1%
2025-0278,30374,9833,3204.2%
2025-0178,27174,9823,2894.2%
2024-1277,74275,1582,5843.3%
2024-1178,49275,8212,6713.4%
2024-1079,46176,8362,6253.3%
2024-0980,02377,2382,7853.5%
2024-0880,78077,4363,3444.1%
2024-0781,80178,4613,3404.1%
2024-0682,10778,7713,3364.1%
2024-0580,91978,0322,8873.6%
2024-0480,91278,0212,8913.6%
2024-0380,51577,0503,4654.3%
2024-0280,56276,8743,6884.6%
2024-0180,10476,6043,5004.4%
2023-1279,73776,9302,8073.5%
2023-1180,88978,1422,7473.4%
2023-1081,58178,7362,8453.5%
2023-0981,52578,6242,9013.6%
2023-0882,40079,0483,3524.1%
2023-0782,97480,0412,9333.5%
2023-0682,87379,8093,0643.7%
2023-0580,85378,0462,8073.5%
2023-0481,11978,4042,7153.3%
2023-0380,07877,0713,0073.8%
2023-0279,92176,8883,0333.8%
2023-0179,89176,8982,9933.7%
2022-1278,64876,2802,3683.0%
2022-1178,69976,1882,5113.2%
2022-1079,40076,9312,4693.1%
2022-0979,28676,7682,5183.2%
2022-0880,71277,4793,2334.0%
2022-0781,01777,9813,0363.7%
2022-0681,46078,2363,2244.0%
2022-0580,05577,2432,8123.5%
2022-0479,75076,7672,9833.7%
2022-0379,69276,3443,3484.2%
2022-0280,00076,2863,7144.6%
2022-0179,59575,8633,7324.7%
2021-1278,46875,7372,7313.5%
2021-1178,68975,8282,8613.6%
2021-1079,30176,3202,9813.8%
2021-0979,37076,0843,2864.1%
2021-0880,47276,3744,0985.1%
2021-0781,60977,2914,3185.3%
2021-0681,50676,8704,6365.7%
2021-0579,79775,3684,4295.6%
2021-0480,16875,1814,9876.2%
2021-0379,51474,2785,2366.6%
2021-0279,89474,2625,6327.0%
2021-0179,52673,7515,7757.3%
2020-1279,59374,5425,0516.3%
2020-1179,82674,6565,1706.5%
2020-1080,29674,7325,5646.9%
2020-0980,58573,8516,7348.4%
2020-0881,13573,8127,3239.0%
2020-0781,72473,0338,69110.6%
2020-0682,07772,9689,10911.1%
2020-0581,40869,86111,54714.2%
2020-0480,34666,39713,94917.4%
2020-0380,73575,9004,8356.0%
2020-0281,82777,6764,1515.1%
2020-0181,69677,5334,1635.1%
2019-1281,35877,8863,4724.3%
2019-1181,48778,0533,4344.2%
2019-1081,76578,3473,4184.2%
2019-0981,82378,4193,4044.2%
2019-0882,31878,4053,9134.8%
2019-0782,97479,1233,8514.6%
2019-0683,20479,2773,9274.7%
2019-0580,81777,2803,5374.4%
2019-0480,29076,7733,5174.4%
2019-0380,22676,0344,1925.2%
2019-0280,97376,4574,5165.6%
2019-0180,79276,1464,6465.8%
2018-1281,18777,4013,7864.7%
2018-1181,16277,5933,5694.4%
2018-1081,82078,1233,6974.5%
2018-0981,96378,2993,6644.5%
2018-0882,54378,4554,0885.0%
2018-0783,42779,1724,2555.1%
2018-0683,93779,5184,4195.3%
2018-0582,48578,5003,9854.8%
2018-0482,10977,7624,3475.3%
2018-0382,12377,1095,0146.1%
2018-0282,28677,2405,0466.1%
2018-0181,57276,8694,7035.8%

BEA Personal Income

2024$11.07B173,906$64K
2023$10.65B174,602$61K
2022$10.17B175,899$58K
2021$9.88B178,071$55K
2020$9.24B180,208$51K
2019$8.85B181,959$49K
2018$8.65B183,677$47K
2017$8.31B186,320$45K
2016$8.18B188,810$43K
2015$8.27B190,422$43K
2014$8.22B192,097$43K
2013$8.00B192,878$41K
2012$8.13B193,174$42K
2011$7.99B192,697$41K
2010$7.69B193,021$40K
2009$7.48B193,150$39K
2008$7.44B192,414$39K
2007$7.06B192,354$37K
2006$6.84B192,954$35K
2005$6.50B193,878$34K
2004$6.20B195,364$32K
2003$6.20B195,960$32K
2002$6.16B196,422$31K
2001$6.02B197,898$30K
2000$5.87B199,743$29K
1999$5.54B201,309$28K
1998$5.42B203,260$27K
1997$5.12B204,733$25K
1996$4.96B206,003$24K
1995$4.79B206,702$23K
1994$4.64B207,041$22K
1993$4.46B207,867$21K
1992$4.26B207,824$21K
1991——$19K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-07-20$7K$7K$0Yes
2025-06-17$23K$23K$554.83Yes
2025-02-16$0——Yes
2025-02-16$28K$28K$0Yes
2025-02-06$5K$5K$0Yes
2025-02-06$8K$8K$0Yes
2025-02-06$33K$33K$0Yes
2025-02-06$0$0$0No
2025-02-06$9K$9K$0Yes
2025-02-06$0$0$0Yes
2025-02-06$2K$2K$0Yes
2025-02-06$10K$10K$0Yes
2025-02-06$13K$13K$0No
2025-02-06$49K$48K$891.96No
2025-02-06$4K$4K$0Yes
2025-02-06$14K$14K$0Yes
2025-02-05$6K$6K$0Yes
2025-02-05$8K$8K$0Yes
2025-02-05$4K$4K$0Yes
2025-02-05$13K$13K$0Yes
2025-02-05$11K$11K$0Yes
2025-02-05$29K$29K$0Yes
2024-04-12$0——No
2024-04-12$19K$19K$157.67No
2024-04-11$13K$13K$0Yes
2024-04-11$29K$29K$0No
2024-04-11$31K$31K$0No
2024-04-11$0$0$0No
2024-04-11$11K$11K$0Yes
2024-04-11$56K$54K$2KYes
2024-04-11$17K$17K$0Yes
2024-04-11$23K$23K$0Yes
2024-04-11$30K$30K$0No
2024-04-11$35K$32K$3KYes
2024-04-11$0——No
2024-04-11$10K$10K$0Yes
2024-04-11$40K$40K$0No
2024-04-11$33K$33K$0No
2024-04-11$26K$26K$0No
2024-04-11$29K$29K$0Yes
2024-04-11$27K$27K$0Yes
2024-04-11$3K$3K$0Yes
2024-04-11$16K$16K$0No
2024-04-11$30K$30K$0Yes
2024-04-11$30K$30K$0Yes
2024-04-11$34K$34K$0No
2024-04-11$0——Yes
2024-04-11$42K$41K$1KYes
2024-04-11$11K$11K$0Yes
2024-04-11$51K$22K$30KYes
2024-04-11$4K$4K$0Yes
2024-04-11$8K$8K$0Yes
2024-04-11$20K$18K$1KYes
2024-04-11$48K$39K$8KYes
2024-02-13$2K$2K$0Yes
2023-09-09$15K$15K$0Yes
2023-08-28$0$0$0Yes
2023-08-28$6K$6K$0Yes
2023-08-28$3K$3K$0Yes
2023-08-28$6K$6K$0Yes
2023-08-28$13K$13K$0No
2023-08-28$25K$25K$343.39Yes
2023-08-28$47K$47K$0Yes
2023-08-28$33K$32K$1KYes
2023-08-28$43K$43K$0Yes
2023-08-28$34K$29K$4KYes
2023-08-28$17K$17K$0Yes
2023-08-28$18K$18K$0Yes
2023-08-28$0$0$0Yes
2023-08-28$43K$43K$0Yes
2023-08-27$4K$4K$0Yes
2023-08-27$82K$82K$0Yes
2023-07-27$1K$1K$0Yes
2023-03-04$29K$29K$0No
2023-02-17$130K$108K$22KYes
2022-08-30$0$0$0No
2022-08-18$0$0$0No
2022-08-16$0——Yes
2022-08-16$0——Yes
2022-08-15$12K$12K$0Yes
2022-08-15$1K$1K$0Yes
2022-08-15$35K$27K$7KYes
2022-08-15$91K$91K$0Yes
2022-08-15$0$0$0Yes
2022-08-15$58K$58K$0Yes
2022-08-15$3K$3K$0No
2022-08-15$9K$9K$0Yes
2022-08-15$11K$11K$0Yes
2022-08-15$15K$15K$0Yes
2022-08-15$8K$6K$2KYes
2022-08-15$18K$18K$0Yes
2022-08-15$42K$42K$0Yes
2022-08-15$10K$10K$0Yes
2022-08-15$15K$15K$0Yes
2022-08-15$47K$47K$0No
2022-08-15$7K$7K$0Yes
2022-08-15$55K$44K$11KNo
2022-08-15$10K$10K$0Yes
2022-08-15$15K$15K$0No
2022-08-15$32K$32K$0Yes

ALSO CHECKED

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

Go deeper

EVERY HMDA RECORD IN KANAWHA COUNTY →Opens the loan explorer already filtered to county FIPS 54039.

See the West Virginia state market profile for the statewide picture, the West Virginia 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.