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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.

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Rocket Mortgage

HMDA 2025 · company profile →

National origination share · 2025

4.83%

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.$116.16B 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

$2.12B
New York: $2.12B addressable at Rocket Mortgage's own national share (currently 3.00% local).

Addressable whitespace volume · 2025

$8.70B

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

Rocket Mortgage whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−483 bps±0.0 bps+483 bps

Cool/negative states sit below Rocket 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

13,729 loans · NY
$116.18B3.00%New YorkBaseline (own national share): 4.83%−183 bps$2.12BNew YorkOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Massachusetts

6,590 loans · MA
$64.28B3.47%MassachusettsBaseline (own national share): 4.83%−136 bps$872.7MMassachusettsOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Illinois

11,970 loans · IL
$69.98B3.70%IllinoisBaseline (own national share): 4.83%−113 bps$793.9MIllinoisOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

5,736 loans · WI
$38.40B3.13%WisconsinBaseline (own national share): 4.83%−170 bps$652.7MWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Texas

30,579 loans · TX
$186.23B4.49%TexasBaseline (own national share): 4.83%−34 bps$640.0MTexasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Colorado

8,433 loans · CO
$68.40B4.20%ColoradoBaseline (own national share): 4.83%−63 bps$431.1MColoradoOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Minnesota

5,672 loans · MN
$36.59B3.76%MinnesotaBaseline (own national share): 4.83%−107 bps$391.7MMinnesotaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Iowa

2,551 loans · IA
$16.25B2.72%IowaBaseline (own national share): 4.83%−211 bps$342.5MIowaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Florida

31,530 loans · FL
$183.52B4.65%FloridaBaseline (own national share): 4.83%−18 bps$338.6MFloridaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Missouri

7,481 loans · MO
$35.96B4.03%MissouriBaseline (own national share): 4.83%−80 bps$288.3MMissouriOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Indiana

9,736 loans · IN
$43.25B4.19%IndianaBaseline (own national share): 4.83%−64 bps$277.8MIndianaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Oregon

4,851 loans · OR
$32.83B4.22%OregonBaseline (own national share): 4.83%−61 bps$200.8MOregonOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Rhode Island

1,016 loans · RI
$9.02B2.99%Rhode IslandBaseline (own national share): 4.83%−184 bps$165.7MRhode IslandOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

District of Columbia

469 loans · DC
$7.00B2.52%District of ColumbiaBaseline (own national share): 4.83%−231 bps$161.3MDistrict of ColumbiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Puerto Rico

0 loans · PR
$2.86B0.00%Puerto RicoBaseline (own national share): 4.83%−483 bps$138.2MPuerto RicoOrigination 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.