CFPB HMDA 2024 snapshot
Where do US mortgages get funded?
According to the CFPB HMDA 2024 Snapshot, 4,908 reporting lenders filed 12,229,298 applications. Approval rates, denial patterns, and loan volume come from that public register.
Volume #1 is not origination-share #1
According to the CFPB HMDA 2024 Snapshot, United Wholesale Mortgage leads funded volume at 366,078 originations but ranks #204 of 1,076 lenders with 1,000+ applications on origination share (74.1%). Easy Street Capital LLC leads that origination-share board at 100.0% on 1,937 applications.
- 366,078
- Volume #1 originations
- #204
- Volume leader share rank
- 100.0%
- Origination-share #1
- 17.17%
- National denial rate
Source: CFPB HMDA 2024 Snapshot. Origination share is originated ÷ applications among reporters with 1,000+ applications; denial share uses a different denominator. The top 10 lenders account for about 22.3% of originated volume. See /methodology for refresh cadence.
Reported application outcomes
12,229,298reported applications
Top 10 states by mortgage originations (2024)
California leads the ledger at 509,394 funded loans.
- California originations
- 509,394
Originations heat map · all 54 states
Color encodes funded loan volume so the geographic concentration is readable at a glance.
View all 54 states as a list
- California: 509K
- Texas: 492K
- Florida: 475K
- North Carolina: 256K
- Ohio: 246K
- Pennsylvania: 246K
- Georgia: 228K
- New York: 209K
- Michigan: 204K
- Illinois: 204K
- Virginia: 183K
- Arizona: 167K
- Indiana: 163K
- Tennessee: 160K
- New Jersey: 156K
- Washington: 153K
- Colorado: 143K
- Wisconsin: 137K
- Missouri: 131K
- South Carolina: 127K
- Massachusetts: 120K
- Maryland: 117K
- Minnesota: 112K
- Alabama: 104K
- Kentucky: 89K
- Utah: 87K
- Oregon: 78K
- Oklahoma: 72K
- Iowa: 68K
- Connecticut: 67K
- Nevada: 66K
- Louisiana: 62K
- Arkansas: 59K
- Kansas: 54K
- Mississippi: 50K
- Idaho: 48K
- Nebraska: 38K
- New Mexico: 36K
- Maine: 32K
- New Hampshire: 30K
- West Virginia: 27K
- Delaware: 24K
- Rhode Island: 23K
- Montana: 19K
- Hawaii: 16K
- South Dakota: 16K
- North Dakota: 13K
- PR: 13K
- Vermont: 12K
- Wyoming: 11K
- Alaska: 11K
- District of Columbia: 8K
- GU: 112
- VI: 36
Largest mortgage lenders by funded volume
United Wholesale Mortgage funded the most loans in the snapshot. Denial rate sits beside volume deliberately: the two rank lenders differently, and a volume leader is not automatically the easier approval.
| # | Lender | Originated | Denial Rate | Avg Loan | Save to shortlist |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage (MI) | 366,078 | 11.7% | $380,061 | |
| 2 | Rocket Mortgage (MI) | 361,071 | 14.9% | $284,179 | |
| 3 | Crosscountry Mortgage, LLC (OH) | 101,894 | 2.4% | $375,527 | |
| 4 | Bank of America NA (CA) | 83,165 | 34.6% | $274,986 | |
| 5 | Navy Federal Credit Union (VA) | 82,022 | 23.9% | $213,031 | |
| 6 | JPMorgan Chase Bank, NA (OH) | 80,744 | 8.1% | $569,056 | |
| 7 | Loandepot.Com, LLC (CA) | 79,418 | 23.3% | $267,675 | |
| 8 | Guild Mortgage Company (CA) | 75,356 | 3.7% | $305,231 | |
| 9 | Us Bank, N.A. (OH) | 74,512 | 26.8% | $304,941 | |
| 10 | Fairway Independent Mort CORP (WI) | 74,401 | 4.7% | $318,005 |
Volume leaders split on denial rate
Same 10 lenders, plotted by funded volume against denial rate. 4 of 10 sit above the national 17.2% average and 6 sit below it — being the volume leader does not put a lender consistently on either side.
Where applications are most often denied
States ranked by the share of 2024 applications lenders reported as denied. Limited to states and territories with at least 10,000 applications, because a denial rate computed over a few hundred filings is noise, not a market. A high rate reflects who applies and which programs they use as much as any lender's standards.
According to the Consumer Financial Protection Bureau, the Home Mortgage Disclosure Act has required lender-level mortgage reporting since its enactment in December 1975, and PlainLender compiles that record for more than 4,900 lenders nationwide; see our methodology for the full source list and refresh cadence.
About this data
How PlainLender works, and why you can trust these numbers
What this site is
PlainLender is a plain-language reference for U.S. mortgage lending data. We turn the CFPB's Home Mortgage Disclosure Act (HMDA) 2024 Snapshot into a single searchable database covering 4,908 lenders, 54 states and territories, and 12,229,298 loan applications, with every figure traceable back to the issuing federal source.
Editorial process
- Source. Pull the HMDA Loan/Application Records, Transmittal Sheet, Reporter Panel, and MSA/MD description files directly from the CFPB's public S3 snapshot.
- Verify. Each record keeps its original HMDA identifiers (lender LEI, MSA/MD code, census tract), so every figure traces back to the source agency's own record.
- Publish. Compile per-lender, per-state, per-metro, and per-county profiles that show the data in context, national rank and approval/denial patterns, always linking back to the official CFPB source so readers can verify our numbers against it.
Editorial independence & corrections
PlainLender is an independent publisher and is not affiliated with the CFPB or any covered lender. We do not accept payment, sponsorship, or promoted placement from any lender. Found a record that looks wrong? Use the contact page with the page URL and the value that looks off, we compare it against the published CFPB source and correct our pipeline (not just the single page) if the error is on our side. See our editorial & corrections policy and methodology for the full process and source attribution.
Frequently asked
What data does PlainLender provide?
PlainLender provides HMDA mortgage lending data covering 4,908 lenders, 54 states and territories, 3,223 counties and county-equivalents, and 418 metros from 12,229,298 applications in 2024.
What is HMDA data?
The Home Mortgage Disclosure Act requires most mortgage lenders to report application-level data including loan amounts, interest rates, approval rates, and borrower demographics.
Where does the data come from?
All data comes from the Consumer Financial Protection Bureau HMDA dataset, the most comprehensive source of U.S. mortgage lending data.
Frequently Asked Questions
What data does PlainLender provide?
PlainLender provides HMDA mortgage lending data covering 4,908 lenders, 54 states and territories, 3,223 counties and county-equivalents, and 418 metros from 12,229,298 applications in 2024.
What is HMDA data?
The Home Mortgage Disclosure Act requires most mortgage lenders to report application-level data including loan amounts, interest rates, approval rates, and borrower demographics.
Where does the data come from?
All data comes from the Consumer Financial Protection Bureau HMDA dataset, the most comprehensive source of U.S. mortgage lending data.
Mortgage Guides
Understand mortgage data and make better borrowing decisions.
Understanding HMDA Data
What mortgage lending data reveals about 4,908 lenders.
Why Mortgages Get Denied
Top HMDA denial-reason codes across the 2024 snapshot.
Compare Lenders
How CFPB HMDA volume and origination share describe reporters.
Note rates in the register
What HMDA average note rates do and do not describe.
Denial Rate Analysis
How denial rates vary by loan type and income across 12.2M applications.
Research
Original analysis from our editorial process, every statistic derived from our own database. See all research.
Lender Concentration in the U.S. Mortgage Market
How much of national origination volume the largest reporters actually hold, and how long the tail behind them runs.
GeographyAverage Mortgage Loan Size by State
The spread between the cheapest and most expensive state mortgage markets, ranked from the full state table.
OutcomesDenial Rate Variation Across States
Where an application is most and least likely to be denied, and why the same borrower profile can land differently by geography.
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 Snapshot National Loan-Level Dataset: 12,229,298 applications filed by 4,908 reporting institutions · 2024 National rails describe filed application outcomes for the published reporting year - not credit offers, underwriting decisions, or a recommendation of any lender.
Download the state-level HMDA extract cited on this page: hmda-mortgage-statistics.csv (CC BY 4.0).
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. Homepage national rails use the latest CFPB HMDA snapshot year present in this extract; lender and geography tables share that vintage. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.
PlainLender presents CFPB HMDA mortgage lending data for transparency and research purposes only. This site does not provide financial, lending, or legal advice. Contact a licensed mortgage professional before making borrowing decisions.