Skip to main content
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

Bank of America

HMDA 2025 · company profile →

National origination share · 2025

1.55%

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.$37.29B 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

Texas

$1.04B
Texas: $1.04B addressable at Bank of America's own national share (currently 0.99% local).

Addressable whitespace volume · 2025

$9.75B

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

Bank of America whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−198 bps±0.0 bps+198 bps

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

Texas

6,141 loans · TX
$186.23B0.99%TexasBaseline (own national share): 1.55%−56 bps$1.04BTexasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Ohio

810 loans · OH
$63.72B0.31%OhioBaseline (own national share): 1.55%−124 bps$790.8MOhioOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Indiana

450 loans · IN
$43.25B0.25%IndianaBaseline (own national share): 1.55%−130 bps$563.2MIndianaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Colorado

965 loans · CO
$68.40B0.87%ColoradoBaseline (own national share): 1.55%−68 bps$463.7MColoradoOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Tennessee

1,499 loans · TN
$56.77B0.74%TennesseeBaseline (own national share): 1.55%−81 bps$457.2MTennesseeOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

249 loans · WI
$38.40B0.37%WisconsinBaseline (own national share): 1.55%−118 bps$453.4MWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Pennsylvania

1,841 loans · PA
$65.92B0.87%PennsylvaniaBaseline (own national share): 1.55%−68 bps$448.0MPennsylvaniaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Michigan

1,939 loans · MI
$57.17B0.77%MichiganBaseline (own national share): 1.55%−78 bps$444.1MMichiganOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Minnesota

533 loans · MN
$36.59B0.42%MinnesotaBaseline (own national share): 1.55%−113 bps$414.5MMinnesotaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Alabama

320 loans · AL
$28.29B0.28%AlabamaBaseline (own national share): 1.55%−127 bps$360.2MAlabamaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Utah

258 loans · UT
$36.70B0.61%UtahBaseline (own national share): 1.55%−95 bps$346.8MUtahOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Kentucky

255 loans · KY
$23.71B0.22%KentuckyBaseline (own national share): 1.55%−133 bps$315.5MKentuckyOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Arizona

2,582 loans · AZ
$69.00B1.12%ArizonaBaseline (own national share): 1.55%−43 bps$293.5MArizonaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Missouri

1,520 loans · MO
$35.96B0.77%MissouriBaseline (own national share): 1.55%−78 bps$279.2MMissouriOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Georgia

3,440 loans · GA
$79.74B1.23%GeorgiaBaseline (own national share): 1.55%−32 bps$255.9MGeorgiaOrigination 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.