Explore U.S. Mortgage Lending Data

OpenFileData makes public HMDA mortgage-lending data easier to search, explore, and understand. Discover how lending varies across states, metropolitan areas, and institutions.

HMDA Data 2025 Snapshot Updated June 2, 2026 Source: FFIEC / CFPB Methodology →

Residential neighborhood with single-family homes

States & Territories

Explore lending activity, application volume, and market concentration across all 50 states, the District of Columbia, and U.S. territories.

Browse all states →

Metropolitan Areas (MSAs)

Inspect localized mortgage dynamics, denial rates, and regional lender market shares across 400+ metropolitan and non-metro areas.

Browse all metropolitan areas →

Lending Institutions

Examine reported originations, denial rates, and institutional portfolios for banks, non-bank lenders, and credit unions.

Browse all lending institutions →

Explore by Geography

Select a state to explore mortgage lending activity.

Explore by Lender

Search for a lending institution or browse top institutions by reported loan originations.

Lending Institution	Originations (2025)	View
United Wholesale Mortgage	371,602	View →
ROCKET MORTGAGE	292,365	View →
PENNYMAC LOAN SERVICES LLC	70,863	View →
JPMorgan Chase Bank, NA	71,612	View →
CROSSCOUNTRY MORTGAGE, LLC	103,556	View →
Mortgage Research Center	81,553	View →
GUILD MORTGAGE COMPANY	69,235	View →
FREEDOM MORTGAGE CORPORATION	69,038	View →
DHI Mortgage Company, LTD.	63,686	View →
FAIRWAY INDEPENDENT MORT CORP	61,547	View →

Latest Data

2025 HMDA Snapshot

Official public records collected under the Home Mortgage Disclosure Act (HMDA, 12 CFR Part 1003) and administered by the FFIEC and CFPB. Data snapshot frozen June 2, 2026.

Data year

2025 (HMDA)

Updated

June 2, 2026

Source

FFIEC / CFPB

Read the Methodology → Download Data (CSV & Parquet) →

Why This Data Matters

Federal mortgage disclosures provide an independent, factual foundation for understanding how credit flows through communities.

Homebuyers & Borrowers

Understand how mortgage outcomes vary across places and institutions.

Researchers & Analysts

Explore a standardized public dataset at national, state, MSA, and lender levels.

Journalists & Communities

Use transparent public records to investigate lending patterns and inform stronger, more equitable communities.

Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.