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State markets/West Virginia/McDowell County

COUNTY MORTGAGE MARKET · FIPS 54047

McDowell County, West Virginia

Who lends in McDowell 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.

This is a very small mortgage market — fewer than 50 originations in 2025. The figures below are real but thin, so this page is excluded from our sitemap and marked no-index.

Origination volume · 2025

$4.8M

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

Originations · 2025

46

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

Denial rate · 2025

40.2%

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

Lenders active · 2025

36

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

Concentration (HHI)

995

unconcentrated

Top-5 lender share

60.3%

of originations

Purchase

86.8%

33 loans

Refinance

13.2%

5 loans

Origination trend

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

Lenders in McDowell 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 McDowell 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 MCDOWELL COUNTY →

TOP TEN LENDERS IN MCDOWELL 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.

8$860K$860K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$815K$815K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$540K$540K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4$360K$360K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$350K$350K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$320K$320K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
5$315K$315K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
2$200K$200K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$195K$195K originated in McDowell County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$185K$185K originated in McDowell 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 McDowell County

All 38 ZIP Code Tabulation Areas that touch McDowell 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.
38 OF 38 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
11 of the 1 McDowell County tract this ZIP area touches sit mostly inside it.4,75540.2%945——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 McDowell County tracts this ZIP area touches sit mostly inside it.3,8477.4%1,131——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 McDowell County tracts this ZIP area touches sit mostly inside it.2,4957.7%846——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 McDowell County tract this ZIP area touches sit mostly inside it.1,9572.5%627——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 McDowell County tracts this ZIP area touches sit mostly inside it.1,9304.0%742——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 McDowell County tracts this ZIP area touches sit mostly inside it.1,72118.3%589——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 McDowell County tract this ZIP area touches sit mostly inside it.1,5277.9%634——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 McDowell County tracts this ZIP area touches sit mostly inside it.87933.3%283——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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 McDowell 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.

8 of McDowell County’s 9 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. 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 McDowell County

All 9 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.

9 OF 9 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate59.3%87933.3%OPEN →
Moderate53.8%2,4957.7%OPEN →
Low41.5%1,9572.5%OPEN →
Middle89.0%1,9304.0%OPEN →
Moderate61.8%1,5277.9%OPEN →
Moderate74.2%1,72118.3%OPEN →
Moderate58.4%4,75540.2%OPEN →
Moderate52.9%3,8477.4%OPEN →
Moderate56.5%——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

17,943

Median household income

$31,559

Median home value

$50,000

Median gross rent

$643

per month

Owner-occupied

77.3%

of occupied units

Housing units

9,336

30.7% vacant

Poverty rate

34.2%

Unemployment

8.2%

Natural-hazard exposure

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

Overall risk

Relatively Low

score 76.7

Social vulnerability

Very High

Community resilience

Very Low

Federal disaster history

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

Months with an active declaration

79

Declarations recorded

27

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

Everything we hold on McDowell 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 McDowell County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for McDowell County →Every reported application and origination in FIPS 54047, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

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

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

VA loans · FY2026

1

—

Purchase share

100.0%

1 loans

IRRRL refinances

0

Cash-out refinances

0

20261—100
20254—202
20243—201
20231—001
2022——400
20201—010
20191—100
20181—100
20172—200
20163—210
20153—300

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 McDowell 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

McDowell 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

0

−100.0% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

0

−100.0% vs 2024

Permit valuation · 2025

$0

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
01325385019901992199419961998200020022004200620082010201220142016201820202022202420250 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 McDowell County, showing population movement and wealth transfer.

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

inflow2223Other flows - West, DS———
outflow2223Other flows - Northeast, DS———
outflow2223Other flows - Midwest, DS———
outflow2223Other flows - West, DS———
inflow2223Other flows - Northeast, DS———
inflow2223Other flows - Midwest, DS———
inflow2223Other flows - South, DS76142$2.8M
outflow2223Other flows - South, DS71143$3.0M
outflow2223Mercer County, WV64110$3.0M
inflow2223Mercer County, WV63101$1.6M
outflow2223Tazewell County, VA2656$1.4M
inflow2122Other flows - West, DS———
outflow2122Other flows - Midwest, DS———
outflow2122Other flows - West, DS———
inflow2122Other flows - Northeast, DS———
inflow2122Other flows - Midwest, DS———
outflow2122Other flows - Northeast, DS———
outflow2122Mercer County, WV85154$2.9M
outflow2122Other flows - South, DS72120$2.2M
inflow2122Other flows - South, DS70150$2.3M
outflow2122Tazewell County, VA2547$803K
inflow2122Mercer County, WV2343$390K
inflow2021Other flows - West, DS———
outflow2021Other flows - Northeast, DS———
outflow2021Other flows - Midwest, DS———
outflow2021Other flows - West, DS———
inflow2021Other flows - Northeast, DS———
inflow2021Other flows - Midwest, DS———
outflow2021Mercer County, WV87163$2.9M
inflow2021Other flows - South, DS84166$2.0M
outflow2021Other flows - South, DS79164$2.2M
inflow2021Mercer County, WV3763$702K
outflow2021Tazewell County, VA3267$1.6M
outflow2021Wyoming County, WV2357$1.1M
inflow1920Other flows - West, DS———
outflow1920Other flows - Northeast, DS———
outflow1920Other flows - Midwest, DS———
outflow1920Other flows - West, DS———
inflow1920Other flows - Northeast, DS———
inflow1920Other flows - Midwest, DS———
outflow1920Mercer County, WV87196$3.3M
inflow1920Other flows - South, DS80155$1.9M
outflow1920Other flows - South, DS72163$2.7M
outflow1920Tazewell County, VA3573$1.1M
inflow1920Mercer County, WV2758$728K
inflow1819Other flows - Northeast, DS———
outflow1819Other flows - Northeast, DS———
outflow1819Other flows - Midwest, DS———
outflow1819Other flows - West, DS———
inflow1819Other flows - Midwest, DS———
inflow1819Other flows - West, DS———
inflow1819Foreign - Other flows, FR———
outflow1819Other flows - South, DS79182$2.7M
outflow1819Mercer County, WV74154$2.4M
inflow1819Other flows - South, DS53111$1.5M
inflow1819Mercer County, WV4592$1.3M
outflow1819Tazewell County, VA4091$1.8M
outflow1819Wyoming County, WV2972$981K
inflow1718Other flows - Northeast, DS———
inflow1718Other flows - Midwest, DS———
inflow1718Other flows - West, DS———
outflow1718Other flows - Northeast, DS———
outflow1718Other flows - Midwest, DS———
outflow1718Other flows - West, DS———
outflow1718Foreign - Other flows, FR———
outflow1718Other flows - South, DS85182$2.5M
outflow1718Mercer County, WV80188$2.9M
inflow1718Other flows - South, DS73167$2.4M
inflow1718Mercer County, WV48109$1.2M
outflow1718Wyoming County, WV3275$1.2M
outflow1718Tazewell County, VA3064$1.0M
inflow1718Wyoming County, WV2450$1.2M
outflow1617Other flows - Midwest, DS———
inflow1617Other flows - West, DS———
outflow1617Other flows - Northeast, DS———
inflow1617Other flows - Northeast, DS———
inflow1617Other flows - Midwest, DS———
outflow1617Other flows - West, DS———
outflow1617Other flows - South, DS126291$4.7M
outflow1617Mercer County, WV93208$3.2M
inflow1617Other flows - South, DS73177$2.0M
inflow1617Wyoming County, WV42103$1.5M
inflow1617Mercer County, WV4081$1.4M
outflow1617Tazewell County, VA2770$992K
outflow1516Other flows - West, DS———
outflow1516Other flows - Northeast, DS———
outflow1516Other flows - Midwest, DS———
inflow1516Other flows - Northeast, DS———
inflow1516Other flows - Midwest, DS———
inflow1516Other flows - West, DS———
outflow1516Other flows - South, DS103214$2.9M
outflow1516Mercer County, WV86170$2.3M
inflow1516Other flows - South, DS76175$2.2M
inflow1516Mercer County, WV2758$749K
outflow1516Tazewell County, VA2657$959K
inflow1516Wyoming County, WV2041$719K
inflow1415Other flows - Midwest, DS———
outflow1415Other flows - Northeast, DS———
outflow1415Other flows - Midwest, DS———
outflow1415Foreign - Other flows, FR———
outflow1415Other flows - West, DS———
inflow1415Other flows - West, DS———
outflow1415Other flows - South, DS81172$2.0M
outflow1415Mercer County, WV70156$2.4M
inflow1415Other flows - South, DS63145$1.3M
inflow1415Mercer County, WV3264$815K
outflow1415Tazewell County, VA3161$839K
inflow1314Other flows - Northeast, DS———
outflow1314Other flows - Northeast, DS———
outflow1314Other flows - Midwest, DS———
inflow1314Other flows - Midwest, DS———
outflow1314Other flows - West, DS———
inflow1314Other flows - West, DS———
outflow1314Other flows - South, DS114249$3.3M
outflow1314Mercer County, WV103215$2.9M
inflow1314Other flows - South, DS88196$2.5M
inflow1314Mercer County, WV3471$1.4M
inflow1213Other flows - West, DS———
inflow1213Other flows - Northeast, DS———
outflow1213Foreign - Other flows, FR———
outflow1213Other flows - West, DS———
outflow1213Other flows - Northeast, DS———
outflow1213Other flows - South, DS101223$3.2M
outflow1213Mercer County, WV94201$3.6M
inflow1213Other flows - South, DS76150$1.4M
inflow1213Mercer County, WV64131$1.5M
outflow1213Tazewell County, VA3271$1.5M
inflow1213Tazewell County, VA1952$640K
inflow1213Wyoming County, WV1637$703K
inflow1213Buchanan County, VA1533$610K
inflow1213Other flows - Midwest, DS1530$429K
outflow1213Other flows - Midwest, DS1320$257K
outflow1213Wyoming County, WV1231$671K
outflow1213Buchanan County, VA1024$367K
inflow1112Other flows - West, DS———
outflow1112Other flows - Northeast, DS———
outflow1112Other flows - Midwest, DS———
outflow1112Other flows - West, DS———
outflow1112Foreign - Other flows, FR———
inflow1112Other flows - Northeast, DS———
outflow1112Mercer County, WV115238$3.1M
inflow1112Other flows - South, DS91209$2.3M
outflow1112Other flows - South, DS83174$2.0M
inflow1112Mercer County, WV53118$1.3M
outflow1112Tazewell County, VA38104$1.7M
outflow1112Wyoming County, WV1745$495K
inflow1112Tazewell County, VA1742$560K
inflow1112Other flows - Midwest, DS1536$532K
outflow1112Buchanan County, VA1441$509K
inflow1112Wyoming County, WV1222$504K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for McDowell County.

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

2023PurchaseNo CharacteristicAll Appraisals—
2023PurchaseNo CharacteristicAll Appraisals—
2023RefinanceNo CharacteristicAll Appraisals—
2023PurchaseNo CharacteristicAll Appraisals—
2023BothNo CharacteristicAll Appraisals16.0
2023PurchaseNo CharacteristicAll Appraisals—
2023PurchaseNo CharacteristicAll Appraisals—
2023RefinanceNo CharacteristicAll Appraisals—
2023BothNo CharacteristicAll Appraisals77,500.0
2023PurchaseNo CharacteristicAll Appraisals—
2023PurchaseNo CharacteristicAll Appraisals—
2022PurchaseNo CharacteristicAll Appraisals—
2022BothNo CharacteristicAll Appraisals71,500.0
2022PurchaseNo CharacteristicAll Appraisals—
2022PurchaseNo CharacteristicAll Appraisals—
2022PurchaseNo CharacteristicAll Appraisals—
2022RefinanceNo CharacteristicAll Appraisals—
2022PurchaseNo CharacteristicAll Appraisals—
2022PurchaseNo CharacteristicAll Appraisals—
2022RefinanceNo CharacteristicAll Appraisals—
2022BothNo CharacteristicAll Appraisals22.0
2022PurchaseNo CharacteristicAll Appraisals—
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals72,000.0
2021BothNo CharacteristicAll Appraisals28.0
2021PurchaseNo CharacteristicAll Appraisals0.9
2021PurchaseNo CharacteristicAll Appraisals13.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals15.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals68,800.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals64,500.0
2020PurchaseNo CharacteristicAll Appraisals—
2020PurchaseNo CharacteristicAll Appraisals—
2020BothNo CharacteristicAll Appraisals17.0
2020PurchaseNo CharacteristicAll Appraisals—
2020PurchaseNo CharacteristicAll Appraisals—
2020BothNo CharacteristicAll Appraisals65,500.0
2020RefinanceNo CharacteristicAll Appraisals—
2020RefinanceNo CharacteristicAll Appraisals—
2020PurchaseNo CharacteristicAll Appraisals—
2020PurchaseNo CharacteristicAll Appraisals—
2020PurchaseNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2019BothNo CharacteristicAll Appraisals50,000.0
2019PurchaseNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2019RefinanceNo CharacteristicAll Appraisals—
2019BothNo CharacteristicAll Appraisals19.0
2019RefinanceNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2019PurchaseNo CharacteristicAll Appraisals—
2018RefinanceNo CharacteristicAll Appraisals—
2018BothNo CharacteristicAll Appraisals17.0
2018PurchaseNo CharacteristicAll Appraisals—
2018RefinanceNo CharacteristicAll Appraisals—
2018BothNo CharacteristicAll Appraisals65,000.0
2018PurchaseNo CharacteristicAll Appraisals—
2018PurchaseNo CharacteristicAll Appraisals—
2018PurchaseNo CharacteristicAll Appraisals—
2018PurchaseNo CharacteristicAll Appraisals—
2018PurchaseNo CharacteristicAll Appraisals—
2018PurchaseNo CharacteristicAll Appraisals—
2017RefinanceNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017BothNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017RefinanceNo CharacteristicAll Appraisals—
2017PurchaseNo CharacteristicAll Appraisals—
2017BothNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016RefinanceNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016BothNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016BothNo CharacteristicAll Appraisals—
2016RefinanceNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015RefinanceNo CharacteristicAll Appraisals—
2015BothNo CharacteristicAll Appraisals—
2015RefinanceNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2015BothNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals—
2014BothNo CharacteristicAll Appraisals—

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-053,4083,0983109.1%
2026-043,3252,97235310.6%
2026-033,2682,93433410.2%
2026-023,3462,93241412.4%
2026-013,2772,90737011.3%
2025-123,2672,92334410.5%
2025-113,3282,96935910.8%
2025-093,4083,04536310.7%
2025-083,4883,08540311.6%
2025-073,4893,09639311.3%
2025-063,5463,17936710.3%
2025-053,4353,1382978.6%
2025-043,4333,1432908.4%
2025-033,4833,1643199.2%
2025-023,4993,1633369.6%
2025-013,4823,2012818.1%
2024-123,4763,2362406.9%
2024-113,4913,2412507.2%
2024-103,5563,3042527.1%
2024-093,6183,3592597.2%
2024-083,6633,3543098.4%
2024-073,6273,2983299.1%
2024-063,7273,3943338.9%
2024-053,7543,4772777.4%
2024-043,6243,3442807.7%
2024-033,5663,2832837.9%
2024-023,5563,2493078.6%
2024-013,5203,2242968.4%
2023-123,4703,2372336.7%
2023-113,5153,2852306.5%
2023-103,5613,3212406.7%
2023-093,5753,3182577.2%
2023-083,5963,2823148.7%
2023-073,4943,2242707.7%
2023-063,7203,4512697.2%
2023-053,6253,4032226.1%
2023-043,5953,3812146.0%
2023-033,7633,5142496.6%
2023-023,7173,4702476.6%
2023-013,7303,4712596.9%
2022-123,5483,3442045.7%
2022-113,6723,4512216.0%
2022-103,5753,3642115.9%
2022-093,6563,4502065.6%
2022-083,6163,3232938.1%
2022-073,5903,3052857.9%
2022-063,7753,4812947.8%
2022-053,7843,5352496.6%
2022-043,6303,3882426.7%
2022-033,6173,3602577.1%
2022-023,6393,3472928.0%
2022-013,6773,3852927.9%
2021-123,5953,3572386.6%
2021-113,6253,3762496.9%
2021-103,6803,4262546.9%
2021-093,7833,4942897.6%
2021-083,8203,4573639.5%
2021-073,8623,4813819.9%
2021-063,9493,55139810.1%
2021-053,8583,5123469.0%
2021-043,8733,5133609.3%
2021-033,8293,40642311.0%
2021-023,8053,35545011.8%
2021-013,8433,36947412.3%
2020-123,9883,52246611.7%
2020-113,8873,45443311.1%
2020-104,0203,56545511.3%
2020-093,9713,43453713.5%
2020-083,9433,36258114.7%
2020-074,0823,41267016.4%
2020-064,1413,54759414.3%
2020-054,0413,46158014.4%
2020-043,9643,37858614.8%
2020-034,1513,55859314.3%
2020-024,0943,55653813.1%
2020-014,1453,60554013.0%
2019-124,0363,6373999.9%
2019-114,0223,6583649.1%
2019-104,0523,7083448.5%
2019-094,0803,7413398.3%
2019-084,1073,7163919.5%
2019-074,1553,72842710.3%
2019-064,1863,74843810.5%
2019-053,9963,6083889.7%
2019-043,9963,57941710.4%
2019-034,0873,62546211.3%
2019-024,1163,64047611.6%
2019-014,1313,63249912.1%
2018-124,0943,62147311.6%
2018-114,0973,65544210.8%
2018-104,0393,62841110.2%
2018-094,1373,7383999.6%
2018-083,9893,57141810.5%
2018-074,1333,70243110.4%
2018-064,2953,84844710.4%
2018-054,2453,8663798.9%
2018-044,1263,71541110.0%
2018-034,1533,73641710.0%
2018-024,1613,7564059.7%
2018-014,1673,7843839.2%

BEA Personal Income

2024$661.2M17,147$39K
2023$642.6M17,425$37K
2022$616.8M17,790$35K
2021$627.2M18,415$34K
2020$585.9M18,939$31K
2019$567.8M19,457$29K
2018$551.9M19,855$28K
2017$547.8M19,974$27K
2016$530.7M20,442$26K
2015$555.1M20,822$27K
2014$573.3M21,243$27K
2013$598.1M21,616$28K
2012$616.4M21,770$28K
2011$604.5M21,981$28K
2010$554.5M22,144$25K
2009$527.5M22,276$24K
2008$509.8M22,494$23K
2007$465.6M22,746$20K
2006$452.2M23,199$19K
2005$431.7M23,711$18K
2004$426.7M24,264$18K
2003$434.3M24,989$17K
2002$439.9M25,730$17K
2001$438.5M26,301$17K
2000$407.4M27,099$15K
1999$402.8M27,848$14K
1998$405.8M28,560$14K
1997$404.5M29,270$14K
1996$403.3M30,227$13K
1995$393.2M31,338$13K
1994$391.9M32,111$12K
1993$395.1M32,887$12K
1992$394.4M33,555$12K
1991——$11K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-06-15$0——No
2025-02-17$0——No
2025-02-17$0——Yes
2025-02-17$55K$46K$9KNo
2025-02-16$60K$60K$0No
2025-02-16$68K$0$68KNo
2025-02-16$66K$66K$0Yes
2025-02-16$100K$100K$0No
2025-02-16$0$0$0Yes
2025-02-15$92K$82K$10KYes
2025-02-15$158K$60K$98KNo
2025-02-15$10K$10K$0Yes
2025-02-15$30K$30K$0No
2025-02-15$11K$11K$0Yes
2025-02-15$48K$32K$16KYes
2025-02-15$12K$7K$5KNo
2025-02-15$34K$34K$0Yes
2025-02-15$15K$15K$0Yes
2025-02-15$26K$26K$0Yes
2025-02-15$0——No
2025-02-15$23K$16K$7KYes
2025-02-15$55K$50K$5KYes
2025-02-15$0$0$0No
2025-02-15$0$0$0Yes
2025-02-15$30K$20K$10KNo
2025-02-15$40K$40K$0No
2025-02-15$0——No
2025-02-15$35K$30K$5KYes
2025-02-15$12K$12K$443.74Yes
2025-02-15$41K$41K$0Yes
2025-02-15$18K$0$18KNo
2025-02-15$176K$176K$0Yes
2025-02-15$0$0$0No
2025-02-15$8K$8K$0Yes
2025-02-15$21K$21K$0Yes
2025-02-15$887.46$887.46$0Yes
2025-02-15$35K$35K$0No
2025-02-15$50K$50K$0Yes
2025-02-15$14K$12K$1KYes
2025-02-15$8K$5K$3KYes
2025-02-15$107K$107K$0No
2025-02-15$28K$22K$6KYes
2025-02-15$122K$122K$0No
2025-02-15$36K$36K$0No
2025-02-15$283K$200K$83KNo
2025-02-15$3K$3K$0Yes
2025-02-15$7K$7K$0Yes
2025-02-15$24K$24K$0No
2025-02-15$151K$113K$37KNo
2025-02-15$16K$16K$0Yes
2025-02-15$122K$85K$38KNo
2025-02-15$15K$15K$0Yes
2025-02-15$4K$4K$0Yes
2025-02-15$41K$35K$6KYes
2025-02-15$13K$9K$3KNo
2025-02-15$78K$43K$35KNo
2025-02-15$15K$15K$0No
2025-02-15$126K$126K$0No
2025-02-15$0——Yes
2025-02-14$4K$4K$0Yes
2024-09-27$0$0$0No
2023-02-17$596.77$596.77$0Yes
2022-07-15$21K$21K$0Yes
2022-07-13$6K$6K$0Yes
2020-05-28$5K$5K$0Yes
2020-02-13$557.97$557.97$0Yes
2020-02-06$0——Yes
2019-02-23$0——Yes
2015-07-05$2K$2K$0Yes
2015-03-05$193.55$193.55$0Yes
2015-03-04$8K$8K$0Yes
2015-03-04$3K$3K$0Yes
2014-08-09$0——Yes
2014-08-09$4K$4K$0Yes
2014-06-05$0——Yes
2012-06-30$0——No
2012-06-29$0——Yes
2012-04-03$0——No
2012-04-03$0——Yes
2010-11-25$0——Yes
2010-06-18$3K$3K$0Yes
2010-06-15$39K$39K$0No
2010-06-15$0——No
2010-06-14$15K$15K$0Yes
2010-06-14$3K$3K$0Yes
2010-06-13$2K$2K$0Yes
2010-06-13$3K$3K$0Yes
2010-06-13$7K$7K$0Yes
2010-06-13$2K$0$2KYes
2010-06-13$4K$4K$578.8Yes
2010-06-13$10K$3K$7KNo
2010-06-13$0——No
2010-06-13$538.59$397.64$140.95No
2010-06-13$21K$21K$0No
2010-06-13$4K$4K$0Yes
2010-06-13$0——Yes
2010-06-13$2K$2K$0Yes
2010-06-13$0——Yes
2010-06-13$0——Yes
2010-06-13$0——Yes

ALSO CHECKED

18 more data areas were checked for McDowell 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 MCDOWELL COUNTY →Opens the loan explorer already filtered to county FIPS 54047.

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.