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STATE MORTGAGE MARKETS · HMDA PUBLIC DATA

U.S. state mortgage markets

A market profile for every U.S. state and the District of Columbia, built on HMDA public data: origination volume, the top lenders, denial rates, and the purchase vs refinance mix. Figures are as of activity year 2025 (latest available). Pick a state below, or explore the national benchmarks and Top Mortgage Players.

For the other side of every state market — how much of its outstanding mortgage book sits below today's rate, by quarter — open Rate Lock-In.

The map · 2025

Select a state to open its market profile — county and census-tract drill follow from there

United States Origination volume by state, 2025. Select a state to open its market profile.
Origination volume · 2025
$3.72B$344.74B
SELECT A STATE TO OPEN ITS MARKET PROFILE · COUNTY AND CENSUS-TRACT DRILL FOLLOW FROM THERE

Source: HMDA public disclosure aggregated to state-year (market_state_year), activity year 2025. A state with no loaded row is drawn as no-data rather than as a zero.

State markets 2025

Ranked by origination volume · sort, filter and export any column · open a state for its full profile

1CaliforniaCaliforniaOpen the California market profile572,268$344.74B17.4%1,160
2TexasTexasOpen the Texas market profile526,689$186.23B19.4%1,588
3FloridaFloridaOpen the Florida market profile491,046$183.52B21.1%2,010
4New YorkNew YorkOpen the New York market profile232,239$116.18B19.8%756
5North CarolinaNorth CarolinaOpen the North Carolina market profile281,159$89.58B18.1%1,269
6WashingtonWashingtonOpen the Washington market profile175,441$81.03B15.7%836
7GeorgiaGeorgiaOpen the Georgia market profile242,931$79.74B19.2%1,220
8VirginiaVirginiaOpen the Virginia market profile203,054$77.59B15.9%1,030
9New JerseyNew JerseyOpen the New Jersey market profile178,220$75.63B17.7%893
10IllinoisIllinoisOpen the Illinois market profile232,591$69.98B17.1%1,162
11ArizonaArizonaOpen the Arizona market profile183,878$69.00B16.2%1,096
12ColoradoColoradoOpen the Colorado market profile156,418$68.40B15.6%1,131
13PennsylvaniaPennsylvaniaOpen the Pennsylvania market profile272,809$65.92B18.3%1,127
14MassachusettsMassachusettsOpen the Massachusetts market profile135,614$64.28B16.2%810
15OhioOhioOpen the Ohio market profile277,933$63.72B17.7%1,108
16MichiganMichiganOpen the Michigan market profile229,505$57.17B18.5%990
17TennesseeTennesseeOpen the Tennessee market profile176,247$56.77B17.1%1,292
18South CarolinaSouth CarolinaOpen the South Carolina market profile143,083$45.62B18.3%1,164
19MarylandMarylandOpen the Maryland market profile126,664$45.00B18.8%823
20IndianaIndianaOpen the Indiana market profile178,349$43.25B16.6%1,044
21WisconsinWisconsinOpen the Wisconsin market profile154,669$38.40B14.0%950
22UtahUtahOpen the Utah market profile95,957$36.70B16.0%593
23MinnesotaMinnesotaOpen the Minnesota market profile122,789$36.59B13.6%886
24MissouriMissouriOpen the Missouri market profile146,780$35.96B15.1%1,035
25OregonOregonOpen the Oregon market profile89,385$32.83B15.3%718
26AlabamaAlabamaOpen the Alabama market profile115,118$28.29B19.8%1,009
27ConnecticutConnecticutOpen the Connecticut market profile74,717$27.03B17.4%702
28NevadaNevadaOpen the Nevada market profile69,682$26.61B17.4%637
29KentuckyKentuckyOpen the Kentucky market profile100,653$23.71B18.8%871
30OklahomaOklahomaOpen the Oklahoma market profile79,051$18.62B17.9%838
31IdahoIdahoOpen the Idaho market profile56,607$18.50B14.5%612
32ArkansasArkansasOpen the Arkansas market profile66,490$18.14B18.2%820
33LouisianaLouisianaOpen the Louisiana market profile69,272$16.35B22.2%735
34IowaIowaOpen the Iowa market profile75,933$16.25B12.9%753
35KansasKansasOpen the Kansas market profile60,511$15.17B15.0%781
36New HampshireNew HampshireOpen the New Hampshire market profile35,609$12.63B16.5%550
37New MexicoNew MexicoOpen the New Mexico market profile39,313$12.34B18.6%614
38HawaiiHawaiiOpen the Hawaii market profile19,858$11.98B21.8%331
39NebraskaNebraskaOpen the Nebraska market profile43,920$11.51B12.5%576
40MississippiMississippiOpen the Mississippi market profile54,718$10.95B22.9%700
41MaineMaineOpen the Maine market profile35,498$10.35B16.3%547
42MontanaMontanaOpen the Montana market profile23,001$9.03B14.8%565
43Rhode IslandRhode IslandOpen the Rhode Island market profile26,004$9.02B18.7%464
44DelawareDelawareOpen the Delaware market profile27,033$8.05B18.2%558
45District of ColumbiaDistrict of ColumbiaOpen the District of Columbia market profile9,300$7.00B18.1%486
46West VirginiaWest VirginiaOpen the West Virginia market profile29,629$6.14B21.2%577
47South DakotaSouth DakotaOpen the South Dakota market profile17,111$4.82B12.7%396
48WyomingWyomingOpen the Wyoming market profile13,328$4.16B15.6%422
49AlaskaAlaskaOpen the Alaska market profile11,907$4.04B14.0%258
50North DakotaNorth DakotaOpen the North Dakota market profile14,333$3.97B11.4%330
51VermontVermontOpen the Vermont market profile13,418$3.72B14.8%329

Attribution. Computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the CFPB and FFIEC. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention). Derived works, not endorsed by any agency. See data attribution.