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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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Wells Fargo Bank

HMDA 2025 · company profile →

National origination share · 2025

2.00%

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.$48.20B 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

$1.57B
Texas: $1.57B addressable at Wells Fargo Bank's own national share (currently 1.16% local).

Addressable whitespace volume · 2025

$16.22B

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

Wells Fargo Bank whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−536 bps±0.0 bps+536 bps

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

Texas

2,647 loans · TX
$186.23B1.16%TexasBaseline (own national share): 2.00%−84 bps$1.57BTexasOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Ohio

373 loans · OH
$63.72B0.17%OhioBaseline (own national share): 2.00%−184 bps$1.17BOhioOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Michigan

300 loans · MI
$57.17B0.37%MichiganBaseline (own national share): 2.00%−163 bps$932.2MMichiganOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Georgia

1,509 loans · GA
$79.74B0.85%GeorgiaBaseline (own national share): 2.00%−116 bps$921.3MGeorgiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Massachusetts

282 loans · MA
$64.28B0.65%MassachusettsBaseline (own national share): 2.00%−136 bps$871.8MMassachusettsOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Pennsylvania

1,628 loans · PA
$65.92B0.78%PennsylvaniaBaseline (own national share): 2.00%−122 bps$806.2MPennsylvaniaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Indiana

355 loans · IN
$43.25B0.32%IndianaBaseline (own national share): 2.00%−169 bps$729.7MIndianaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Illinois

856 loans · IL
$69.98B0.99%IllinoisBaseline (own national share): 2.00%−101 bps$709.4MIllinoisOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Arizona

1,088 loans · AZ
$69.00B1.07%ArizonaBaseline (own national share): 2.00%−93 bps$641.9MArizonaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Maryland

671 loans · MD
$45.00B0.67%MarylandBaseline (own national share): 2.00%−133 bps$599.4MMarylandOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

590 loans · WI
$38.40B0.53%WisconsinBaseline (own national share): 2.00%−148 bps$567.6MWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Tennessee

499 loans · TN
$56.77B1.02%TennesseeBaseline (own national share): 2.00%−99 bps$559.3MTennesseeOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Utah

209 loans · UT
$36.70B0.66%UtahBaseline (own national share): 2.00%−134 bps$492.7MUtahOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Alabama

516 loans · AL
$28.29B0.42%AlabamaBaseline (own national share): 2.00%−158 bps$447.1MAlabamaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Kentucky

152 loans · KY
$23.71B0.15%KentuckyBaseline (own national share): 2.00%−185 bps$439.8MKentuckyOrigination 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.