Research
Original data research from the PlainLender. Every page derives at least one statistic from our own HMDA-built database, cites primary sources inline, and documents its methodology and limits. Data from HMDA (Home Mortgage Disclosure Act) filings via the CFPB and FFIEC, covering lenders across all 50 states; see our methodology.
What can you learn from PlainLender research?
What this research covers
PlainLender research ranks CFPB HMDA mortgage reporters across 12,229,298 applications from 4,908 lenders in 54 states and territories for 2024; 6,176,052 originated.
- 12,229,298
- HMDA applications (2024)
- 4,908
- reporting lenders
- 54
- states & territories
Studies below answer one ranking question each from the live HMDA mirror; they are descriptive filing statistics, not lending advice or credit decisions.
Lender Concentration in U.S. Mortgage Market
How concentrated is U.S. mortgage origination? Top-10 and top-50 reporter market share, computed live from CFPB HMDA.
National Denial Rate Variation by State
State-by-state mortgage denial-rate spread and the standard deviation of denial outcomes across 50+ reporting states.
Average Mortgage Loan Size by State
How does average originated loan size vary across U.S. states, and what does the spread reveal about housing-cost regionalization?
Looking for the live database directly? Browse mortgage lender rankings, data by state, or read our methodology.
Download the state-level HMDA extract cited on this page: hmda-mortgage-statistics.csv (CC BY 4.0).