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State markets/West Virginia/Wyoming County

COUNTY MORTGAGE MARKET · FIPS 54109

Wyoming County, West Virginia

Who lends in Wyoming 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

$12.1M

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

Originations · 2025

116

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

Denial rate · 2025

33.4%

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

Lenders active · 2025

54

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

Concentration (HHI)

702

unconcentrated

Top-5 lender share

50.1%

of originations

Purchase

81.2%

82 loans

Refinance

18.8%

19 loans

Origination trend

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

Lenders in Wyoming 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 Wyoming 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 WYOMING COUNTY →

TOP TEN LENDERS IN WYOMING 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.

19$2.0M$2.0M originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
11$1.3M$1.3M originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
7$985K$985K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
13$965K$965K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
6$840K$840K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
5$685K$685K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4$600K$600K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4$470K$470K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
4$400K$400K originated in Wyoming County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$385K$385K originated in Wyoming 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 Wyoming County

All 40 ZIP Code Tabulation Areas that touch Wyoming 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.
40 OF 40 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
11 of the 2 Wyoming County tracts this ZIP area touches sit mostly inside it.4,8843.4%1,371——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Wyoming County tract this ZIP area touches sit mostly inside it.4,3266.0%1,462——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Wyoming County tract this ZIP area touches sit mostly inside it.4,0623.0%1,668——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wyoming County tracts this ZIP area touches sit mostly inside it.3,5363.2%1,146——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Wyoming County tracts this ZIP area touches sit mostly inside it.2,3196.0%871——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Wyoming County tract this ZIP area touches sit mostly inside it.2,2551.7%840——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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 Wyoming 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.

6 of Wyoming County’s 7 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 Wyoming County

All 7 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.

7 OF 7 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle92.9%2,3196.0%OPEN →
Middle90.8%4,0623.0%OPEN →
Middle103.3%3,5363.2%OPEN →
Moderate79.0%2,2551.7%OPEN →
Moderate74.9%4,8843.4%OPEN →
Middle85.8%4,3266.0%OPEN →
Middle90.8%——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

20,629

Median household income

$48,440

Median home value

$82,900

Median gross rent

$650

per month

Owner-occupied

82.5%

of occupied units

Housing units

9,953

18.9% vacant

Poverty rate

22.6%

Unemployment

5.7%

Natural-hazard exposure

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

Overall risk

Relatively Low

score 67.4

Social vulnerability

Relatively 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

82

Declarations recorded

30

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

Everything we hold on Wyoming 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 Wyoming County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Wyoming County →Every reported application and origination in FIPS 54109, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Wyoming 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

4

—

Purchase share

0.0%

0 loans

IRRRL refinances

1

Cash-out refinances

3

20264—013
20252—200
20249—900
20234—202
2022——103
20217—421
20195—500
20183—300
20178—413
20164—301
20156—330

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 Wyoming 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

Wyoming 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

20

−44.4% vs 2024

Multifamily · 2025

0

—

Total authorized · 2025

20

−44.4% vs 2024

Permit valuation · 2025

$5.9M

authorized construction value

Units authorized by year

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

UNITS · SF IN TOOLTIP
013253850199019921994199619982000200220042006200820102012201420162018202020222024202520 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 Wyoming County, showing population movement and wealth transfer.

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

inflow2223Other flows - Midwest, DS———
inflow2223Other flows - Northeast, DS———
outflow2223Other flows - Midwest, DS———
outflow2223Other flows - Northeast, DS———
outflow2223Other flows - West, DS———
inflow2223Other flows - West, DS———
outflow2223Raleigh County, WV55103$2.5M
outflow2223Other flows - South, DS5596$2.3M
inflow2223Other flows - South, DS4680$1.7M
inflow2223Raleigh County, WV4697$1.7M
inflow2223Mingo County, WV2244$848K
inflow2122Other flows - Midwest, DS———
inflow2122Other flows - West, DS———
outflow2122Other flows - Northeast, DS———
outflow2122Other flows - Midwest, DS———
outflow2122Other flows - West, DS———
inflow2122Other flows - Northeast, DS———
outflow2122Raleigh County, WV75124$3.1M
outflow2122Other flows - South, DS59119$3.5M
inflow2122Other flows - South, DS4277$1.6M
inflow2122Raleigh County, WV3889$1.6M
outflow2122Mercer County, WV2135$682K
inflow2021Other flows - West, DS———
outflow2021Other flows - Northeast, DS———
outflow2021Other flows - Midwest, DS———
outflow2021Other flows - West, DS———
inflow2021Other flows - Northeast, DS———
inflow2021Other flows - Midwest, DS———
outflow2021Other flows - South, DS59111$2.5M
outflow2021Raleigh County, WV50108$2.4M
inflow2021Other flows - South, DS4887$1.6M
inflow2021Raleigh County, WV4396$1.5M
inflow2021McDowell County, WV2357$1.1M
outflow2021Mercer County, WV2035$783K
inflow1920Other flows - Midwest, DS———
outflow1920Other flows - Northeast, DS———
outflow1920Other flows - Midwest, DS———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - West, DS———
inflow1920Other flows - West, DS———
inflow1920Other flows - Northeast, DS———
inflow1920Other flows - South, DS55127$1.8M
outflow1920Raleigh County, WV51118$2.1M
outflow1920Other flows - South, DS4899$1.6M
inflow1920Raleigh County, WV47116$2.1M
inflow1819Foreign - Other flows, FR———
outflow1819Other flows - Northeast, DS———
outflow1819Other flows - Midwest, DS———
outflow1819Other flows - West, DS———
outflow1819Foreign - Other flows, FR———
inflow1819Other flows - Midwest, DS———
inflow1819Other flows - West, DS———
outflow1819Raleigh County, WV70135$2.6M
outflow1819Other flows - South, DS59106$2.1M
inflow1819Other flows - South, DS3869$1.1M
inflow1819McDowell County, WV2972$981K
inflow1819Raleigh County, WV2859$1.2M
inflow1718Other flows - Northeast, DS———
inflow1718Foreign - Other flows, FR———
outflow1718Other flows - Northeast, DS———
outflow1718Other flows - Midwest, DS———
inflow1718Other flows - West, DS———
outflow1718Other flows - West, DS———
inflow1718Other flows - Midwest, DS———
outflow1718Raleigh County, WV63123$2.8M
outflow1718Other flows - South, DS62131$2.4M
inflow1718Other flows - South, DS4196$1.3M
inflow1718McDowell County, WV3275$1.2M
inflow1718Raleigh County, WV3168$959K
outflow1718McDowell County, WV2450$1.2M
inflow1617Foreign - Other flows, FR———
outflow1617Other flows - Northeast, DS———
outflow1617Other flows - West, DS———
inflow1617Other flows - Northeast, DS———
inflow1617Other flows - Midwest, DS———
inflow1617Other flows - West, DS———
outflow1617Other flows - South, DS96204$3.2M
outflow1617Raleigh County, WV81169$3.0M
inflow1617Other flows - South, DS52116$1.7M
inflow1617Raleigh County, WV4898$1.7M
outflow1617McDowell County, WV42103$1.5M
outflow1617Mercer County, WV2353$1.2M
outflow1617Logan County, WV2252$607K
outflow1617Other flows - Midwest, DS2042$553K
outflow1516Other flows - Midwest, DS———
outflow1516Other flows - Northeast, DS———
outflow1516Other flows - West, DS———
outflow1516Foreign - Other flows, FR———
inflow1516Other flows - Northeast, DS———
inflow1516Other flows - Midwest, DS———
inflow1516Other flows - West, DS———
outflow1516Other flows - South, DS65137$2.7M
outflow1516Raleigh County, WV57115$2.3M
inflow1516Other flows - South, DS4586$996K
inflow1516Raleigh County, WV4390$1.4M
outflow1516McDowell County, WV2041$719K
outflow1415Other flows - Midwest, DS———
inflow1415Other flows - Midwest, DS———
inflow1415Other flows - West, DS———
outflow1415Other flows - Northeast, DS———
outflow1415Other flows - West, DS———
outflow1415Raleigh County, WV64114$2.5M
outflow1415Other flows - South, DS48102$1.2M
inflow1415Raleigh County, WV4091$1.4M
inflow1415Other flows - South, DS2964$1.0M
inflow1314Other flows - West, DS———
outflow1314Other flows - Northeast, DS———
outflow1314Other flows - Midwest, DS———
outflow1314Other flows - West, DS———
outflow1314Foreign - Other flows, FR———
inflow1314Other flows - Northeast, DS———
inflow1314Other flows - Midwest, DS———
outflow1314Raleigh County, WV76148$3.0M
outflow1314Other flows - South, DS72142$2.1M
inflow1314Other flows - South, DS49125$1.5M
inflow1314Raleigh County, WV4399$1.0M
outflow1213Foreign - Other flows, FR———
inflow1213Other flows - Northeast, DS———
inflow1213Other flows - West, DS———
outflow1213Other flows - Northeast, DS———
outflow1213Other flows - Midwest, DS———
outflow1213Other flows - West, DS———
outflow1213Other flows - South, DS74154$2.2M
inflow1213Other flows - South, DS68131$1.9M
inflow1213Raleigh County, WV61132$2.0M
outflow1213Raleigh County, WV61123$3.2M
inflow1213Other flows - Midwest, DS2034$498K
outflow1213Mingo County, WV1743$736K
outflow1213Mercer County, WV1632$533K
outflow1213McDowell County, WV1637$703K
inflow1213Mingo County, WV1532$517K
inflow1213McDowell County, WV1231$671K
inflow1213Mercer County, WV1124$431K
outflow1213Logan County, WV1121$388K
inflow1213Logan County, WV1020$480K
inflow1112Other flows - West, DS———
outflow1112Other flows - Northeast, DS———
outflow1112Other flows - Midwest, DS———
outflow1112Other flows - West, DS———
outflow1112Foreign - Other flows, FR———
inflow1112Other flows - Northeast, DS———
inflow1112Other flows - Midwest, DS———
outflow1112Raleigh County, WV98177$4.1M
inflow1112Other flows - South, DS91192$2.7M
outflow1112Other flows - South, DS82151$2.7M
inflow1112Raleigh County, WV44106$1.5M
outflow1112Mingo County, WV2568$1.0M
outflow1112Mercer County, WV2043$637K
outflow1112Logan County, WV1943$912K
inflow1112McDowell County, WV1745$495K
inflow1112Logan County, WV1327$436K
outflow1112McDowell County, WV1222$504K
inflow1112Mercer County, WV1022$472K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Wyoming County.

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

2023PurchaseNo CharacteristicAll Appraisals34.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals14.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals48.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals106,500.0
2023BothNo CharacteristicAll Appraisals108,000.0
2023PurchaseNo CharacteristicAll Appraisals108,500.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals1.1
2022BothNo CharacteristicAll Appraisals104,500.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals90,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals15.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals163,000.0
2022BothNo CharacteristicAll Appraisals54.0
2022PurchaseNo CharacteristicAll Appraisals39.0
2021PurchaseNo CharacteristicAll Appraisals1.1
2021RefinanceNo CharacteristicAll Appraisals140,000.0
2021BothNo CharacteristicAll Appraisals81.0
2021PurchaseNo CharacteristicAll Appraisals0.9
2021PurchaseNo CharacteristicAll Appraisals46.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021RefinanceNo CharacteristicAll Appraisals35.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals95,500.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals81,500.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.1
2020BothNo CharacteristicAll Appraisals56.0
2020PurchaseNo CharacteristicAll Appraisals26.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals132,500.0
2020RefinanceNo CharacteristicAll Appraisals160,500.0
2020RefinanceNo CharacteristicAll Appraisals30.0
2020PurchaseNo CharacteristicAll Appraisals80,500.0
2020PurchaseNo CharacteristicAll Appraisals0.9
2020PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals87,500.0
2019PurchaseNo CharacteristicAll Appraisals24.0
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals147,000.0
2019BothNo CharacteristicAll Appraisals46.0
2019RefinanceNo CharacteristicAll Appraisals22.0
2019PurchaseNo CharacteristicAll Appraisals72,800.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals140,000.0
2018BothNo CharacteristicAll Appraisals31.0
2018PurchaseNo CharacteristicAll Appraisals19.0
2018RefinanceNo CharacteristicAll Appraisals12.0
2018BothNo CharacteristicAll Appraisals97,000.0
2018PurchaseNo CharacteristicAll Appraisals79,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals137,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.1
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals45.0
2017PurchaseNo CharacteristicAll Appraisals25.0
2017PurchaseNo CharacteristicAll Appraisals70,000.0
2017RefinanceNo CharacteristicAll Appraisals20.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals84,000.0
2016PurchaseNo CharacteristicAll Appraisals—
2016RefinanceNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016BothNo CharacteristicAll Appraisals74,000.0
2016PurchaseNo CharacteristicAll Appraisals—
2016PurchaseNo CharacteristicAll Appraisals—
2016BothNo CharacteristicAll Appraisals27.0
2016RefinanceNo CharacteristicAll Appraisals—
2015PurchaseNo CharacteristicAll Appraisals1.1
2015PurchaseNo CharacteristicAll Appraisals123,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals112,000.0
2015BothNo CharacteristicAll Appraisals31.0
2015RefinanceNo CharacteristicAll Appraisals18.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals13.0
2015BothNo CharacteristicAll Appraisals115,000.0
2015PurchaseNo CharacteristicAll Appraisals0.9
2014BothNo CharacteristicAll Appraisals99,000.0

ECONOMY & INCOME

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

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

BLS Local Area Unemployment

2026-056,8366,4853515.1%
2026-046,7336,3314026.0%
2026-036,7956,4053905.7%
2026-026,9126,4384746.9%
2026-016,8316,4094226.2%
2025-126,8816,4764055.9%
2025-116,9356,5154206.1%
2025-097,0176,6074105.8%
2025-087,1226,6604626.5%
2025-077,0246,6473775.4%
2025-067,2816,9213604.9%
2025-057,0946,7992954.2%
2025-047,0806,7842964.2%
2025-037,0616,7263354.7%
2025-026,9876,6573304.7%
2025-017,0226,6983244.6%
2024-126,9506,6922583.7%
2024-116,9666,7052613.7%
2024-107,0446,7792653.8%
2024-097,0576,7662914.1%
2024-087,0066,6583485.0%
2024-076,9336,5553785.5%
2024-067,2496,8803695.1%
2024-057,1196,8202994.2%
2024-046,9486,6592894.2%
2024-036,9616,5913705.3%
2024-026,9646,5713935.6%
2024-017,0026,6373655.2%
2023-126,9676,6653024.3%
2023-117,0206,7173034.3%
2023-107,1276,8213064.3%
2023-097,0686,7503184.5%
2023-087,1576,7953625.1%
2023-077,1606,8303304.6%
2023-067,4067,0673394.6%
2023-057,2726,9932793.8%
2023-047,2346,9572773.8%
2023-037,4387,1363024.1%
2023-027,3557,0543014.1%
2023-017,3087,0033054.2%
2022-127,3377,0922453.3%
2022-117,4867,2182683.6%
2022-107,3247,0642603.5%
2022-097,3267,0702563.5%
2022-087,2136,8643494.8%
2022-077,1136,7383755.3%
2022-067,4077,0074005.4%
2022-057,3297,0342954.0%
2022-047,1246,8372874.0%
2022-037,0796,7723074.3%
2022-027,0916,7373545.0%
2022-017,1166,7593575.0%
2021-126,9306,6572733.9%
2021-116,9836,6902934.2%
2021-106,9976,6903074.4%
2021-097,1696,8373324.6%
2021-086,9386,5413975.7%
2021-077,1466,6844626.5%
2021-067,2906,8234676.4%
2021-057,0516,6424095.8%
2021-047,0386,5934456.3%
2021-037,0856,5755107.2%
2021-027,0946,5315637.9%
2021-016,9736,3985758.2%
2020-126,9276,3995287.6%
2020-117,0396,5395007.1%
2020-107,0906,5905007.1%
2020-096,9536,3456088.7%
2020-086,7656,1006659.8%
2020-076,7965,98880811.9%
2020-066,9706,19977111.1%
2020-056,7595,91684312.5%
2020-046,7005,6291,07116.0%
2020-037,0706,4166549.3%
2020-027,0256,4226038.6%
2020-017,0136,4096048.6%
2019-126,4826,0454376.7%
2019-116,5656,1374286.5%
2019-106,8836,4714126.0%
2019-096,8566,4643925.7%
2019-086,8046,3504546.7%
2019-076,9146,4095057.3%
2019-067,0286,5145147.3%
2019-056,8046,3654396.5%
2019-046,7866,3384486.6%
2019-036,8216,2965257.7%
2019-026,8326,2755578.2%
2019-016,9506,3346168.9%
2018-126,8846,3435417.9%
2018-116,8526,3285247.6%
2018-107,0326,5804526.4%
2018-096,9676,5773905.6%
2018-086,9886,4865027.2%
2018-077,2356,7474886.7%
2018-067,3696,8655046.8%
2018-057,2256,8224035.6%
2018-047,0166,5664506.4%
2018-036,9496,4574927.1%
2018-026,9886,4635257.5%
2018-016,9176,4264917.1%

BEA Personal Income

2024$804.8M19,964$40K
2023$781.9M20,262$39K
2022$749.1M20,570$36K
2021$726.4M21,031$35K
2020$678.8M21,319$32K
2019$636.9M21,552$30K
2018$640.6M21,811$29K
2017$622.9M22,139$28K
2016$600.3M22,522$27K
2015$644.0M22,804$28K
2014$656.9M23,088$28K
2013$646.8M23,331$28K
2012$670.2M23,481$29K
2011$669.3M23,611$28K
2010$636.8M23,758$27K
2009$622.2M23,899$26K
2008$632.0M23,957$26K
2007$570.1M24,078$24K
2006$547.1M24,288$23K
2005$512.5M24,471$21K
2004$481.3M24,482$20K
2003$466.0M24,777$19K
2002$471.8M24,859$19K
2001$458.0M25,133$18K
2000$430.0M25,585$17K
1999$418.0M26,042$16K
1998$426.5M26,458$16K
1997$415.7M26,869$15K
1996$404.4M27,203$15K
1995$382.7M27,527$14K
1994$377.1M27,917$14K
1993$358.4M28,224$13K
1992$355.1M28,733$12K
1991——$12K

NFIP FLOOD CLAIMS

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

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-02-22$12K$12K$0No
2025-02-18$0$0$0No
2025-02-16$41K$41K$0Yes
2025-02-16$492.25$492.25$0Yes
2025-02-16$67K$0$67KNo
2025-02-16$18K$18K$0Yes
2025-02-16$110K$110K$0No
2025-02-15$1K$1K$0Yes
2025-02-15$2K$2K$0Yes
2025-02-15$0$0$0Yes
2025-02-15$37K$34K$3KYes
2025-02-15$34K$34K$0Yes
2025-02-15$4K$4K$0Yes
2025-02-15$0——No
2025-02-15$33K$28K$5KYes
2025-02-15$31K$15K$16KYes
2025-02-15$50K$37K$12KYes
2025-02-15$18K$17K$1KNo
2025-02-15$4K$4K$0Yes
2025-02-15$0$0$0Yes
2025-02-15$20K$20K$0Yes
2025-02-15$1K$1K$0Yes
2025-02-15$0$0$0Yes
2025-02-15$28K$20K$8KYes
2025-02-15$23K$23K$0Yes
2025-02-15$5K$5K$0Yes
2025-02-15$114K$33K$81KYes
2025-02-15$0$0$0Yes
2025-02-15$20K$18K$3KYes
2025-02-15$94K$90K$5KNo
2025-02-15$8K$8K$0Yes
2025-02-15$3K$3K$0Yes
2025-02-15$14K$14K$0Yes
2025-02-15$14K$14K$386.91Yes
2025-02-15$25K$25K$0Yes
2025-02-15$46K$39K$7KNo
2025-02-15$21K$21K$278.34Yes
2025-02-15$100K$75K$25KYes
2025-02-15$3K$3K$0No
2025-02-15$31K$31K$0Yes
2025-02-15$18K$18K$0Yes
2025-02-15$23K$23K$0Yes
2025-02-15$8K$8K$0Yes
2025-02-15$63K$53K$10KNo
2025-02-15$21K$19K$2KYes
2025-02-15$8K$4K$3KYes
2025-02-15$0$0$0Yes
2022-07-26$8K$8K$0No
2021-08-30$19K$19K$0No
2019-02-23$755.36$755.36$0Yes
2017-04-30$0——Yes
2016-06-23$20K$10K$10KNo
2015-08-01$0——No
2015-07-05$20K$20K$0Yes
2015-03-05$48K$41K$7KNo
2015-03-04$0——Yes
2015-03-04$2K$2K$206.34No
2015-02-02$0——No
2015-02-02$0——No
2014-08-09$5K$5K$0Yes
2012-02-15$0——Yes
2011-12-20$0——Yes
2011-04-11$0——Yes
2010-06-19$0——Yes
2010-06-14$3K$3K$443.32Yes
2010-06-13$4K$4K$0Yes
2010-06-13$30K$30K$0Yes
2010-06-13$30K$30K$0Yes
2010-06-13$33K$23K$10KNo
2010-06-13$6K$6K$0Yes
2010-06-13$60K$15K$15KNo
2010-06-13$21K$18K$3KYes
2010-06-13$45K$33K$12KYes
2010-06-13$9K$9K$0No
2010-06-13$5K$4K$1KYes
2010-06-13$29K$29K$0Yes
2010-06-13$30K$30K$0Yes
2010-06-13$30K$30K$0Yes
2010-06-13$58K$30K$0Yes
2010-06-13$12K$12K$0Yes
2010-06-13$2K$2K$0Yes
2010-06-13$12K$11K$338.37No
2010-06-13$127K$107K$20KYes
2010-06-12$127K$60K$37KYes
2010-06-12$30K$30K$0Yes
2010-06-12$0——Yes
2010-06-12$17K$17K$0Yes
2010-06-12$2K$2K$0Yes
2010-06-12$993.12$993.12$0Yes
2010-06-12$0——Yes
2010-06-12$3K$3K$0Yes
2010-06-12$5K$3K$1KYes
2010-06-12$5K$5K$0No
2010-06-12$30K$30K$0Yes
2010-06-12$51K$18K$4KYes
2010-06-12$45K$30K$15KYes
2010-06-12$18K$18K$0Yes
2010-06-12$2K$2K$0Yes
2010-06-12$34K$24K$10KYes
2010-06-11$2K$2K$0Yes

ALSO CHECKED

18 more data areas were checked for Wyoming 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 WYOMING COUNTY →Opens the loan explorer already filtered to county FIPS 54109.

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.