Mortgage Lending Data
Public-data reference. for PlainLender.
Aggregated HMDA mortgage data: lender denial rates, demographics, rankings by approval volume across states, metros, counties.
Explore 4,908 mortgage lenders across 54 states. Approval rates, denial patterns, loan types, and demographic lending data from the CFPB Home Mortgage Disclosure Act (2024).
Top 10 States by Mortgage Originations (2024)
Largest Mortgage Lenders
| # | Lender | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| 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 |
Lending by State
About This Data
Data sourced from the CFPB Home Mortgage Disclosure Act (HMDA) 2024 Snapshot National Loan-Level Dataset. HMDA requires most mortgage lenders to report detailed information about their lending activity. This data covers 12,229,298 loan applications across 4,908 reporting institutions.
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 denial reasons and how to improve your chances.
Compare Lenders
Use federal data to evaluate lenders before applying.
Get the Best Rate
Credit score, down payment, and shopping strategies that lower your rate.
Denial Rate Analysis
How denial rates vary by loan type and income across 12.2M applications.
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.
Research
Original analysis from our editorial team, every statistic derived from our own database. See all research.
Lenders with Highest Denial Rates
Mortgage lenders ranked by HMDA-reported denial rate, filtered for lenders with sufficient application volume to ensure statistical reliability.
RankingsLenders with Best Approval Rates
Mortgage lenders ranked by HMDA-reported approval rate. Each lender's profile shows the underlying application + origination + denial counts.
RankingsLargest Mortgage Lenders
The largest U.S. mortgage lenders ranked by 2024 origination volume from the CFPB HMDA Loan/Application Register dataset.