Lender Register

Every mortgage lender's public record, in context

Every mortgage lender's public record: applications, originations, denial rate, rate spread and loan mix by county and year, from HMDA. Search a lender, county or state.

3,366lenders with 100+ applications, 20244,716 with 25+
10,781,992mortgage applications6,197,085 originated
24.3%national denial ratedenied ÷ decided applications
0.3 ppmedian rate spread on originations15.6% at 1.5 pp or more

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Record year 2024; 12,259,199 loan/application records processed.

Most active lenders, 2024

#LenderApplicationsOriginationsAmountDenial rateMedian spread
1United Wholesale Mortgage491,645366,078$140bn13.4%0.2
2Rocket Mortgage489,603361,071$98bn18.2%0.5
3Crosscountry Mortgage, LLC156,582101,894$39bn3.5%0.5
4Bank of America NA218,35583,165$30bn48.1%1.1
5Navy Federal Credit Union181,49582,022$18bn34.3%0.9
6JPMorgan Chase Bank, NA126,49080,744$51bn12.8%0.1
7Loandepot.com, LLC142,66279,418$24bn29.1%0.3
8Guild Mortgage Company105,31475,356$23bn4.6%0.4
9Us Bank, N.A.153,79474,512$30bn41.5%0.6
10Fairway Independent Mort Corp99,84674,401$24bn6.0%0.4
11Mortgage Research Center147,45573,759$23bn24.0%-0.1
12DHI Mortgage Company, LTD.95,92570,673$24bn12.2%-1.0
13Pennymac Loan Services LLC134,48967,294$23bn20.6%0.3
14Guaranteed Rate, Inc.100,58962,820$25bn9.0%0.2
15Movement Mortgage, LLC85,48161,255$21bn5.0%0.4
16CMG Mortgage Inc86,53158,894$22bn5.7%0.3
17Freedom Mortgage Corporation122,51457,345$19bn16.2%0.2
18PNC Bank N.A.111,58956,830$18bn35.4%0.9
19Lennar Mortgage, LLC75,13755,530$20bn14.4%-1.1
20CBNA Year to Date99,27555,183$15bn35.2%0.7
21Newrez LLC140,57952,121$16bn35.0%0.5
22Huntington National Bank96,31152,025$10bn34.6%0.6
23New American Funding, LLC.118,47748,639$14bn20.9%0.7
24Nationstar Mortgage64,99641,693$8.3bn19.1%1.2
25Wells Fargo Bank NA79,93037,240$38bn31.7%-0.0

All 4,716 lenders. Ranked by originations only; this site does not rate or recommend lenders.

States

Each state's lenders, counties, denial rate and trend since 2018.

Loan purposes

PurposeOriginationsShare
Home purchase3,534,11357.0%
Home improvement592,1989.6%
Refinancing699,16611.3%
Cash-out refinancing769,63112.4%
Other purpose599,4769.7%

Loan types

TypeOriginationsShare
Conventional4,838,14978.1%
FHA-insured831,79713.4%
VA-guaranteed490,8257.9%
USDA Rural Housing Service or Farm Service Agency guaranteed36,3140.6%

National trend, 2018–2024

ApplicationsOriginations

011,710,99423,421,9882018: 12,949,814 Applications2019: 15,150,753 Applications2020: 22,792,781 Applications2021: 23,421,988 Applications2022: 14,342,493 Applications2023: 10,062,636 Applications2024: 10,781,992 Applications2018: 7,732,289 Originations2019: 9,344,813 Originations2020: 14,637,334 Originations2021: 15,091,528 Originations2022: 8,416,071 Originations2023: 5,710,399 Originations2024: 6,197,085 Originations2018201920202021202220232024
HMDA applications and originations by year, United States
0%12.7%25.3%2018: 24% Denial rate2019: 20.7% Denial rate2020: 15.9% Denial rate2021: 15.8% Denial rate2022: 22.2% Denial rate2023: 25.3% Denial rate2024: 24.3% Denial rate2018201920202021202220232024
Denial rate by year, United States

VA-guaranteed loans by month

The Department of Veterans Affairs publishes each lender's VA loan volume monthly. Aug 2026: 48,297 loans guaranteed across 807 lenders. Lender table for Aug 2026 · All months.

Guides

What HMDA is and what a lender must report · What a denial rate does and does not mean · How rate spread is defined · Methodology