2024 federal mortgage-data field guide
Mortgage guides for reading the numbers behind a loan decision
According to the CFPB HMDA 2024 Snapshot, start with the official record: 4,908 reporting lenders, 12,229,298 applications, and no lender score presented without its context.
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
- United Wholesale originations
- #204
- Volume leader on origination-share board
- 100.0%
- Easy Street Capital origination share
- 1,076
- Lenders on the share board
According to the CFPB HMDA Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. These guides are registry reading, not mortgage advice.
Reported application outcomes
12,229,298reported applications
Understanding HMDA Mortgage Data
What the Home Mortgage Disclosure Act data reveals about lending patterns, how it is collected, and what the fields mean.
Why Mortgage Applications Get Denied
The most common denial reasons in HMDA data and how approval rates vary by lender and location.
Comparing Mortgage Lenders with HMDA Data
Using approval rates, loan volume, and denial patterns from federal data as a registry reading of lenders.
Mortgage Rate Factors in GSE/CFPB Publications
How GSE LLPA grids, CFPB disclosures, and Freddie Mac shopping research describe mortgage pricing factors.
Mortgage Denial Rates: What HMDA Data Shows
How denial rates vary by loan type, income level, and property type across HMDA applications.
Methodology
All guides are grounded in the CFPB 2024 HMDA Snapshot National Loan-Level Dataset - the official federal record of US mortgage lending activity, published by the Consumer Financial Protection Bureau and distributed via the Federal Financial Institutions Examination Council (FFIEC). HMDA requires lenders to report every application they receive, making the dataset uniquely comprehensive: it covers conventional, FHA, VA, and USDA loans; home purchase, refinance, and home improvement purposes; and every outcome from origination to denial.
Approval (origination) rate = originated loans ÷ total applications. Denial rate = denied applications ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawals, applications approved but not accepted, and files closed for incompleteness. Rankings exclude lenders with fewer than 1,000 applications to ensure statistical reliability.
Demographic lending figures reflect CFPB derived categories as reported by applicants. See the full methodology page for the complete data pipeline.
Frequently Asked Questions
Where does PlainLender's mortgage data come from?
All data is sourced from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a public federal dataset covering 12.2 million mortgage applications filed by over 4,900 lenders. It is the primary public source for US mortgage market transparency.
What topics do these mortgage guides cover?
The guides cover understanding HMDA data, common denial reasons, comparing lenders with federal approval and denial-rate tables, mortgage rate factors as published in GSE and CFPB materials, and demographic denial patterns in HMDA.
How often is the mortgage lending data updated?
HMDA data is published annually by the CFPB, typically in March or April of the following year. The current dataset reflects 2024 mortgage applications. PlainLender will update to the 2025 dataset when it becomes available.
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, figures are sourced from published federal program rules and verified against primary sources. This hub indexes PlainLender's HMDA explainers; each guide states whether its figures are queried from the portal's extract or quoted from published federal program rules. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.