Every mortgage lender, by county
4,709 lenders made 6,778,636 mortgages in 2025 across 3,141 counties in 51 states, as every one of them reported under the Home Mortgage Disclosure Act. This site counts that record by county: who lends where you live, what their borrowers paid, how often each said no and why, and which of the 4,232 FDIC-insured banks has which of 75,859 branches there.
22.2% of decisions were denials. That is 2,054,310 denied out of 9,238,217 originations, denials and approvals the borrower declined, summed across every county — a figure computed here, from the counts, and said so.
Start with your county
- Alaska (30)
- Alabama (67)
- Arkansas (75)
- Arizona (15)
- California (58)
- Colorado (64)
- Connecticut (9)
- District of Columbia (1)
- Delaware (3)
- Florida (67)
- Georgia (159)
- Hawaii (4)
- Iowa (99)
- Idaho (44)
- Illinois (102)
- Indiana (92)
- Kansas (105)
- Kentucky (120)
- Louisiana (64)
- Massachusetts (14)
- Maryland (24)
- Maine (16)
- Michigan (83)
- Minnesota (87)
- Missouri (115)
- Mississippi (82)
- Montana (56)
- North Carolina (100)
- North Dakota (53)
- Nebraska (92)
- New Hampshire (10)
- New Jersey (21)
- New Mexico (33)
- Nevada (17)
- New York (62)
- Ohio (88)
- Oklahoma (77)
- Oregon (36)
- Pennsylvania (67)
- Rhode Island (5)
- South Carolina (46)
- South Dakota (66)
- Tennessee (95)
- Texas (253)
- Utah (29)
- Virginia (133)
- Vermont (14)
- Washington (39)
- Wisconsin (72)
- West Virginia (55)
- Wyoming (23)
Findings
- Where a mortgage application is denied most
- The widest gap between lenders’ rates in one county
- Counties that lost a bank branch
- The biggest mortgage lenders
What this is not
Not a rate quote, not a lender referral, not advice. A median rate here is what a lender’s borrowers in a county got last year; what you will be offered depends on the loan, the property, your credit and the market on the day. No lender pays to appear. How every figure is counted.
Get told when this changes
When the next year’s lending figures are published.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.