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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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CrossCountry Mortgage

HMDA 2025 · company profile →

National origination share · 2025

2.04%

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.$49.14B of a $2.41T state-reported market

States & territories active · 2025

52

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

Texas

$795.0M
Texas: $795.0M addressable at CrossCountry Mortgage's own national share (currently 1.62% local).

Addressable whitespace volume · 2025

$8.64B

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

CrossCountry Mortgage whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−252 bps±0.0 bps+252 bps

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

Texas

7,734 loans · TX
$186.23B1.62%TexasBaseline (own national share): 2.04%−43 bps$795.0MTexasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

California

9,599 loans · CA
$344.74B1.85%CaliforniaBaseline (own national share): 2.04%−20 bps$682.2MCaliforniaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Michigan

2,327 loans · MI
$57.17B1.05%MichiganBaseline (own national share): 2.04%−100 bps$569.5MMichiganOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

1,070 loans · WI
$38.40B0.79%WisconsinBaseline (own national share): 2.04%−126 bps$483.0MWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Missouri

1,137 loans · MO
$35.96B0.83%MissouriBaseline (own national share): 2.04%−121 bps$435.8MMissouriOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Georgia

3,633 loans · GA
$79.74B1.57%GeorgiaBaseline (own national share): 2.04%−47 bps$376.0MGeorgiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Utah

745 loans · UT
$36.70B1.04%UtahBaseline (own national share): 2.04%−101 bps$368.8MUtahOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

North Carolina

4,431 loans · NC
$89.58B1.63%North CarolinaBaseline (own national share): 2.04%−41 bps$367.2MNorth CarolinaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Tennessee

2,251 loans · TN
$56.77B1.43%TennesseeBaseline (own national share): 2.04%−62 bps$350.1MTennesseeOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Indiana

2,201 loans · IN
$43.25B1.29%IndianaBaseline (own national share): 2.04%−75 bps$325.0MIndianaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Oklahoma

259 loans · OK
$18.62B0.37%OklahomaBaseline (own national share): 2.04%−168 bps$312.3MOklahomaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Iowa

107 loans · IA
$16.25B0.14%IowaBaseline (own national share): 2.04%−190 bps$308.4MIowaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Alabama

1,093 loans · AL
$28.29B1.02%AlabamaBaseline (own national share): 2.04%−102 bps$289.5MAlabamaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Arkansas

413 loans · AR
$18.14B0.49%ArkansasBaseline (own national share): 2.04%−155 bps$281.8MArkansasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

South Carolina

2,233 loans · SC
$45.62B1.50%South CarolinaBaseline (own national share): 2.04%−55 bps$249.1MSouth CarolinaOrigination 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.