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MortRadarTERMINAL

LENDER WHITESPACE MAP

Where should this lender grow?

Pick any lender and map where it is under-represented relative to its own national market share. Each state's local share is compared to the lender's baseline; a state below the baseline is whitespace — quantified as the origination dollars the lender would add by merely reaching its own share there. Every number is a real HMDA state-rollup aggregate; a state with no recorded activity shows an honest gap, never an invented figure.

TryUnited Wholesale MortgageRocket MortgageJPMorgan Chase BankCrossCountry MortgageWells Fargo BankBank of America

Example shown: United Wholesale Mortgage (the largest reporter). Search above to map any lender.

United Wholesale Mortgage

HMDA 2025 · company profile →

National origination share · 2025

6.83%

own baseline
National origination shareThe lender's share of national HMDA origination dollars in the mapped year — the baseline every state on the whitespace map is measured against.$164.32B of a $2.41T state-reported market

States & territories active · 2025

51

of 50 + DC
States & territories activeCount of distinct HMDA jurisdictions in which the lender originated at least one loan in the activity year. It is not a count of the 50 states: the HMDA code set also carries the District of Columbia and the U.S. territories (Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Mariana Islands), which is why full coverage reads 54 and why this figure is never labelled "N states". Where the underlying code list is available a surface names the split exactly; where only the count is available it reads "states & territories".of 50 + DC

TOP WHITESPACE STATE

New York

$2.66B
New York: $2.66B addressable at United Wholesale Mortgage's own national share (currently 4.54% local).

Addressable whitespace volume · 2025

$28.07B

at own share, all states
Addressable whitespace volumeΣ over under-penetrated states of (the lender's national share − its local share) × that state's market volume: the origination dollars added if the lender reached its own national share in every state where it is below it.a planning frame, not a forecast

LOCAL SHARE vs OWN NATIONAL BASELINE · 2025

United Wholesale Mortgage whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−683 bps±0.0 bps+683 bps

Cool/negative states sit below United Wholesale Mortgage's own national share (whitespace to grow into); warm/positive states sit above it (strongholds). The gold ring marks the HQ state.

New York

11,158 loans · NY
$116.18B4.54%New YorkBaseline (own national share): 6.83%−229 bps$2.66BNew YorkOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Massachusetts

4,404 loans · MA
$64.28B3.18%MassachusettsBaseline (own national share): 6.83%−365 bps$2.35BMassachusettsOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

New Jersey

7,084 loans · NJ
$75.63B4.29%New JerseyBaseline (own national share): 6.83%−254 bps$1.92BNew JerseyOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Pennsylvania

9,333 loans · PA
$65.92B4.11%PennsylvaniaBaseline (own national share): 6.83%−272 bps$1.79BPennsylvaniaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

3,258 loans · WI
$38.40B2.45%WisconsinBaseline (own national share): 6.83%−438 bps$1.68BWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Ohio

10,425 loans · OH
$63.72B4.29%OhioBaseline (own national share): 6.83%−254 bps$1.62BOhioOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Indiana

6,308 loans · IN
$43.25B3.93%IndianaBaseline (own national share): 6.83%−290 bps$1.25BIndianaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

North Carolina

13,671 loans · NC
$89.58B5.44%North CarolinaBaseline (own national share): 6.83%−139 bps$1.24BNorth CarolinaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Illinois

11,397 loans · IL
$69.98B5.06%IllinoisBaseline (own national share): 6.83%−178 bps$1.24BIllinoisOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Virginia

10,136 loans · VA
$77.59B5.32%VirginiaBaseline (own national share): 6.83%−151 bps$1.17BVirginiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Missouri

5,338 loans · MO
$35.96B4.05%MissouriBaseline (own national share): 6.83%−278 bps$999.3MMissouriOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

South Carolina

6,429 loans · SC
$45.62B4.66%South CarolinaBaseline (own national share): 6.83%−217 bps$991.7MSouth CarolinaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Arkansas

1,696 loans · AR
$18.14B2.63%ArkansasBaseline (own national share): 6.83%−420 bps$761.5MArkansasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Iowa

1,391 loans · IA
$16.25B2.15%IowaBaseline (own national share): 6.83%−468 bps$760.0MIowaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Connecticut

3,084 loans · CT
$27.03B4.04%ConnecticutBaseline (own national share): 6.83%−279 bps$755.1MConnecticutOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

FREE“Addressable” is the state market size × the gap between the lender's national share and its local share — a planning frame for where its own share implies room to grow, not a forecast or a claim of winnable volume. Baseline and per-state shares are both derived from the HMDA state rollups (lender_state_year / market_state_year), so they are internally consistent. Source: HMDA public loan-application data (CFPB/FFIEC). Market-share momentum.