HMDA records
23,048
2025
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Public HMDA records are available for 2019–2025.
HMDA records
23,048
2025
Loan originations
16,403
2025
Denials
4,288
2025
Withdrawals
2,208
2025
Denial rate among decisioned applications
20.7%
2025
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 23,048 | 16,403 | 0 | 4,288 | 2,208 | 20.7% |
| 2024 | 23,698 | 17,311 | 0 | 4,065 | 2,220 | 19.0% |
| 2023 | 21,875 | 15,867 | 0 | 3,705 | 2,130 | 18.9% |
| 2022 | 24,019 | 17,010 | 0 | 3,186 | 3,503 | 15.8% |
| 2021 | 23,482 | 17,821 | 0 | 2,321 | 2,616 | 11.5% |
| 2020 | 23,741 | 16,767 | 0 | 2,846 | 2,756 | 14.5% |
| 2019 | 22,169 | 16,560 | 0 | 1,588 | 3,576 | 8.8% |
| Category | HMDA records |
|---|---|
| Conventional | 11,872 |
| FHA | 7,896 |
| VA | 3,055 |
| RHS / FSA | 225 |
| Home purchase | 23,048 |
| Home improvement | 0 |
| Refinancing | 0 |
| Cash-out refinancing | 0 |
17 states / territories reported
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.