CFPB HMDA 2024 snapshot · extract through August 2026
U.S. mortgage lending statistics
Key findings compiled live from the CFPB Home Mortgage Disclosure Act snapshot. Every figure below is computed from the PlainLender database at request time; nothing is typed in by hand. These are portfolio statistics, not approval advice.
According to the Consumer Financial Protection Bureau HMDA Snapshot extract reviewed in August 2026 against our methodology, this corpus spans 12,229,298 mortgage applications across 4,908 reporting lenders.
The extract in one line
12,229,298 2024 HMDA applications, 6,176,052 originations, 17.2% national denial rate, and Conventional leading the loan-type mix at 75.8%; United Wholesale Mortgage leads on origination count.
Vintage August 2026. Denial rates are portfolio aggregates from the CFPB public snapshot, not individualized underwriting predictions.
Key findings
Standalone, citable statements from the linked HMDA extract. Free to reuse with attribution to PlainLender (CC BY 4.0; cite the page).
- 12,229,298 HMDA application records sit in the PlainLender 2024 corpus spanning 4,908 lenders, 54 states and territories, 3,223 counties, and 418 metro areas. Every figure below is recomputed from that extract at request time.
- 6,176,052 loans were reported as originated nationally in 2024, against 2,099,966 denials and a published national denial rate of 17.2%. Denial rate is denials divided by decisions (originations + denials + certain other outcomes), not a forecast for an individual file.
- 9,270,590 Conventional applications lead the national loan-type mix (75.8% of 12,229,298 applications summed across reporting lenders). FHA, VA, and USDA rows are separate insured-program buckets in the HMDA LAR; shares are of application volume, not funded-market share.
- 366,078 United Wholesale Mortgage reports the highest origination count in this extract (11.7% denial rate on 493,978 applications). Rankings pages may apply minimum-volume floors; this page restates the live #1 by originated count.
- $312,937 is the national average loan amount across originated loans in the 2024 snapshot. Application amounts and originated amounts use different HMDA fields; averages here follow the CFPB published aggregation methodology in PlainLender's pipeline.
- 1,069,254 Texas leads on application volume (17.2% denial rate in this extract). State totals sum institution filings geocoded to that state; they are not a household demand index.
- 22.4% Hawaii posts the highest state denial rate among jurisdictions with at least 10,000 applications (32,060 apps). High denial rates can reflect portfolio mix and reporting institutions, not a single lender decision rule.
- 4,908 HMDA-reporting institutions are indexed with institution-level, state, county, and metro rollups. PlainLender stores aggregated statistics only; no individual loan records or applicant identifiers are published.
National loan-type mix · 2024
Application volume summed across all HMDA-reporting lenders.
Source: Consumer Financial Protection Bureau HMDA Snapshot National Loan-Level Dataset · 2024
How to read these numbers
HMDA denial rates, origination counts, and loan-type mixes use different denominators. PlainLender publishes vintage-stamped registry totals so readers can cite the extract without treating a lender ranking as a recommendation. State and metro totals sum filings geocoded to that geography; compare institution detail pages for lender-specific portfolios. See methodology for the CFPB aggregation rules PlainLender follows.
Download the state snapshot: 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. National denial rate and loan-type mix follow CFPB HMDA snapshot aggregations in PlainLender's rebuild. No figure is typed in by an editor. 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.