States

Each state's most active lenders, every county, and the trend since 2018.

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.

State	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
United States	10,781,992	6,197,085	48.0	24.3%	0.3	4,716
Alabama	189,175	104,584	52.4	26.3%	0.4	362
Alaska	17,675	10,605	39.2	19.9%	0.1	70
Arizona	285,668	167,515	58.7	22.2%	0.3	381
Arkansas	107,016	59,195	49.1	25.0%	0.4	253
California	925,692	511,270	37.7	24.8%	0.4	613
Colorado	241,546	143,205	60.3	21.6%	0.3	377
Connecticut	112,090	66,855	46.6	23.7%	0.3	269
Delaware	41,983	24,306	60.5	25.4%	0.4	164
District of Columbia	15,165	8,406	25.9	25.1%	0.1	97
Florida	917,801	476,451	54.4	29.0%	0.3	729
Georgia	422,002	227,742	55.9	26.9%	0.4	539
Hawaii	30,298	16,137	32.8	29.7%	0.0	111
Idaho	77,150	47,849	67.1	19.4%	0.3	203
Illinois	353,868	207,609	41.2	23.3%	0.5	560
Indiana	259,860	162,760	59.9	21.5%	0.5	421
Iowa	99,119	67,749	51.5	15.9%	0.2	269
Kansas	84,253	54,091	46.1	19.2%	0.4	267
Kentucky	154,286	89,103	49.1	25.0%	0.4	315
Louisiana	121,519	62,375	34.6	30.2%	0.4	296
Maine	51,254	31,776	53.2	20.9%	0.4	151
Maryland	205,620	116,985	49.5	24.9%	0.3	382
Massachusetts	195,186	119,673	43.0	22.3%	0.2	383
Michigan	347,013	206,123	50.6	23.9%	0.5	412
Minnesota	168,219	112,643	48.8	16.9%	0.4	365
Mississippi	95,665	49,623	43.3	30.2%	0.4	218
Missouri	210,540	131,527	52.4	19.9%	0.4	408
Montana	32,002	19,445	42.4	20.9%	0.3	117
Nebraska	57,754	38,356	48.1	17.2%	0.3	172
Nevada	115,349	66,287	55.1	23.9%	0.3	255
New Hampshire	50,221	30,237	54.4	22.8%	0.4	161
New Jersey	289,315	156,859	44.7	26.0%	0.4	424
New Mexico	68,029	36,602	43.7	25.7%	0.4	187
New York	353,864	208,818	27.0	25.4%	0.3	369
North Carolina	444,394	256,790	60.0	24.0%	0.2	478
North Dakota	18,988	13,107	39.6	14.3%	0.2	86
Ohio	414,495	246,244	50.6	23.5%	0.5	492
Oklahoma	127,869	72,817	46.6	23.4%	0.5	300
Oregon	130,187	78,153	45.5	20.6%	0.4	269
Pennsylvania	408,480	246,029	46.6	24.2%	0.3	579
Puerto Rico	19,822	13,068	10.1	20.5%	0.2	48
Rhode Island	38,836	22,713	51.4	25.7%	0.3	114
South Carolina	227,502	127,482	60.2	25.2%	0.3	418
South Dakota	24,091	15,896	43.5	17.0%	0.2	91
Tennessee	276,702	160,645	56.9	22.6%	0.3	493
Texas	906,424	494,656	45.0	26.0%	0.2	826
Utah	140,062	87,315	77.6	20.5%	0.4	209
Vermont	18,425	11,750	43.0	19.6%	0.3	70
Virginia	309,211	183,107	54.4	22.1%	0.3	456
Washington	253,354	153,487	50.1	21.3%	0.4	353
West Virginia	49,421	27,148	37.3	28.3%	0.4	181
Wisconsin	201,342	137,362	55.4	17.1%	0.2	394
Wyoming	18,523	11,295	46.4	21.0%	0.3	91

Lenders: HMDA reporters with at least 25 applications in the state. Households from the Census Bureau ACS 2024 five-year estimates.