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Mortgage Lending Trends & Annual Reports
Annual macroeconomic shift analyses tracking changes in consumer mortgage demand, underwriting outcomes, credit access, and institutional lending volumes across the United States.
2025 US Mortgage Lending Trend Report
Comprehensive year-over-year macroeconomic shift analysis comparing the 2025 Snapshot National Dataset against the 2024 baseline across 6.7M+ consumer mortgage applications, actionable credit decisions, loan amounts, and lender underwriting results.
Dataset Baseline: 2025 Snapshot vs. 2024 Baseline (Frozen: June 2, 2026)
Coverage: 1–4 Unit Residential, Principal Residence, First-Lien Consumer Mortgages
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 Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked for market completeness but excluded from underwriting decision rates.
For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.
Source Agency: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB).
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