{
  "finding": "widest-spread",
  "name": "The widest gap between lenders’ rates in one county",
  "updated": "2026-09-18",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Mortgage Lender Index (https://mortgagelenderindex.com/findings/widest-spread/)",
  "source": "Consumer Financial Protection Bureau, HMDA loan-level data via the FFIEC; FDIC Summary of Deposits and institutions directory",
  "count": 200,
  "rows": [
    {
      "fips": "48029",
      "state": "TX",
      "county": "Bexar",
      "county_slug": "bexar",
      "label": "Bexar County",
      "year": 2025,
      "originations": 36432,
      "lenders_with_median": 236,
      "low": 0,
      "high": 13.99,
      "spread": 13.99
    },
    {
      "fips": "06081",
      "state": "CA",
      "county": "San Mateo",
      "county_slug": "san-mateo",
      "label": "San Mateo County",
      "year": 2025,
      "originations": 9709,
      "lenders_with_median": 116,
      "low": 0,
      "high": 13.25,
      "spread": 13.25
    },
    {
      "fips": "17201",
      "state": "IL",
      "county": "Winnebago",
      "county_slug": "winnebago",
      "label": "Winnebago County",
      "year": 2025,
      "originations": 6133,
      "lenders_with_median": 73,
      "low": 0,
      "high": 12.99,
      "spread": 12.99
    },
    {
      "fips": "18081",
      "state": "IN",
      "county": "Johnson",
      "county_slug": "johnson",
      "label": "Johnson County",
      "year": 2025,
      "originations": 5646,
      "lenders_with_median": 81,
      "low": 0,
      "high": 12.93,
      "spread": 12.93
    },
    {
      "fips": "18089",
      "state": "IN",
      "county": "Lake",
      "county_slug": "lake",
      "label": "Lake County",
      "year": 2025,
      "originations": 12066,
      "lenders_with_median": 138,
      "low": 0,
      "high": 12.24,
      "spread": 12.24
    },
    {
      "fips": "21111",
      "state": "KY",
      "county": "Jefferson",
      "county_slug": "jefferson",
      "label": "Jefferson County",
      "year": 2025,
      "originations": 19415,
      "lenders_with_median": 142,
      "low": 0,
      "high": 12,
      "spread": 12
    },
    {
      "fips": "18019",
      "state": "IN",
      "county": "Clark",
      "county_slug": "clark",
      "label": "Clark County",
      "year": 2025,
      "originations": 4081,
      "lenders_with_median": 71,
      "low": 0,
      "high": 12,
      "spread": 12
    },
    {
      "fips": "18043",
      "state": "IN",
      "county": "Floyd",
      "county_slug": "floyd",
      "label": "Floyd County",
      "year": 2025,
      "originations": 2456,
      "lenders_with_median": 51,
      "low": 0,
      "high": 12,
      "spread": 12
    },
    {
      "fips": "32003",
      "state": "NV",
      "county": "Clark",
      "county_slug": "clark",
      "label": "Clark County",
      "year": 2025,
      "originations": 49879,
      "lenders_with_median": 255,
      "low": 0,
      "high": 11.99,
      "spread": 11.99
    },
    {
      "fips": "48439",
      "state": "TX",
      "county": "Tarrant",
      "county_slug": "tarrant",
      "label": "Tarrant County",
      "year": 2025,
      "originations": 34427,
      "lenders_with_median": 283,
      "low": 0,
      "high": 11.99,
      "spread": 11.99
    },
    {
      "fips": "40017",
      "state": "OK",
      "county": "Canadian",
      "county_slug": "canadian",
      "label": "Canadian County",
      "year": 2025,
      "originations": 5232,
      "lenders_with_median": 91,
      "low": 0,
      "high": 11.74,
      "spread": 11.74
    },
    {
      "fips": "17197",
      "state": "IL",
      "county": "Will",
      "county_slug": "will",
      "label": "Will County",
      "year": 2025,
      "originations": 16623,
      "lenders_with_median": 155,
      "low": 0,
      "high": 11.625,
      "spread": 11.625
    },
    {
      "fips": "17043",
      "state": "IL",
      "county": "DuPage",
      "county_slug": "dupage",
      "label": "DuPage County",
      "year": 2025,
      "originations": 18219,
      "lenders_with_median": 158,
      "low": 0,
      "high": 11.5,
      "spread": 11.5
    },
    {
      "fips": "17089",
      "state": "IL",
      "county": "Kane",
      "county_slug": "kane",
      "label": "Kane County",
      "year": 2025,
      "originations": 11763,
      "lenders_with_median": 122,
      "low": 0,
      "high": 11.5,
      "spread": 11.5
    },
    {
      "fips": "17111",
      "state": "IL",
      "county": "McHenry",
      "county_slug": "mchenry",
      "label": "McHenry County",
      "year": 2025,
      "originations": 8411,
      "lenders_with_median": 100,
      "low": 0,
      "high": 11.5,
      "spread": 11.5
    },
    {
      "fips": "34029",
      "state": "NJ",
      "county": "Ocean",
      "county_slug": "ocean",
      "label": "Ocean County",
      "year": 2025,
      "originations": 17229,
      "lenders_with_median": 173,
      "low": 0.25,
      "high": 11.625,
      "spread": 11.375
    },
    {
      "fips": "55025",
      "state": "WI",
      "county": "Dane",
      "county_slug": "dane",
      "label": "Dane County",
      "year": 2025,
      "originations": 16273,
      "lenders_with_median": 81,
      "low": 0,
      "high": 11.3125,
      "spread": 11.3125
    },
    {
      "fips": "17031",
      "state": "IL",
      "county": "Cook",
      "county_slug": "cook",
      "label": "Cook County",
      "year": 2025,
      "originations": 81303,
      "lenders_with_median": 300,
      "low": 0,
      "high": 11.25,
      "spread": 11.25
    },
    {
      "fips": "48113",
      "state": "TX",
      "county": "Dallas",
      "county_slug": "dallas",
      "label": "Dallas County",
      "year": 2025,
      "originations": 31057,
      "lenders_with_median": 276,
      "low": 0,
      "high": 11.25,
      "spread": 11.25
    },
    {
      "fips": "12105",
      "state": "FL",
      "county": "Polk",
      "county_slug": "polk",
      "label": "Polk County",
      "year": 2025,
      "originations": 20118,
      "lenders_with_median": 192,
      "low": 0,
      "high": 11.125,
      "spread": 11.125
    },
    {
      "fips": "48257",
      "state": "TX",
      "county": "Kaufman",
      "county_slug": "kaufman",
      "label": "Kaufman County",
      "year": 2025,
      "originations": 5876,
      "lenders_with_median": 100,
      "low": 3.125,
      "high": 14.25,
      "spread": 11.125
    },
    {
      "fips": "37101",
      "state": "NC",
      "county": "Johnston",
      "county_slug": "johnston",
      "label": "Johnston County",
      "year": 2025,
      "originations": 7995,
      "lenders_with_median": 109,
      "low": 0.25,
      "high": 11.3125,
      "spread": 11.0625
    },
    {
      "fips": "48157",
      "state": "TX",
      "county": "Fort Bend",
      "county_slug": "fort-bend",
      "label": "Fort Bend County",
      "year": 2025,
      "originations": 17619,
      "lenders_with_median": 214,
      "low": 0,
      "high": 11,
      "spread": 11
    },
    {
      "fips": "17037",
      "state": "IL",
      "county": "DeKalb",
      "county_slug": "dekalb",
      "label": "DeKalb County",
      "year": 2025,
      "originations": 2152,
      "lenders_with_median": 49,
      "low": 0,
      "high": 10.99,
      "spread": 10.99
    },
    {
      "fips": "18005",
      "state": "IN",
      "county": "Bartholomew",
      "county_slug": "bartholomew",
      "label": "Bartholomew County",
      "year": 2025,
      "originations": 2320,
      "lenders_with_median": 26,
      "low": 0,
      "high": 10.88,
      "spread": 10.88
    },
    {
      "fips": "06059",
      "state": "CA",
      "county": "Orange",
      "county_slug": "orange",
      "label": "Orange County",
      "year": 2025,
      "originations": 45570,
      "lenders_with_median": 274,
      "low": 2.655,
      "high": 13.5,
      "spread": 10.845
    },
    {
      "fips": "19155",
      "state": "IA",
      "county": "Pottawattamie",
      "county_slug": "pottawattamie",
      "label": "Pottawattamie County",
      "year": 2025,
      "originations": 2568,
      "lenders_with_median": 45,
      "low": 1,
      "high": 11.81,
      "spread": 10.81
    },
    {
      "fips": "19113",
      "state": "IA",
      "county": "Linn",
      "county_slug": "linn",
      "label": "Linn County",
      "year": 2025,
      "originations": 6849,
      "lenders_with_median": 43,
      "low": 1,
      "high": 11.775,
      "spread": 10.775
    },
    {
      "fips": "06073",
      "state": "CA",
      "county": "San Diego",
      "county_slug": "san-diego",
      "label": "San Diego County",
      "year": 2025,
      "originations": 52503,
      "lenders_with_median": 267,
      "low": 2.5,
      "high": 13.25,
      "spread": 10.75
    },
    {
      "fips": "26087",
      "state": "MI",
      "county": "Lapeer",
      "county_slug": "lapeer",
      "label": "Lapeer County",
      "year": 2025,
      "originations": 2268,
      "lenders_with_median": 49,
      "low": 0.25,
      "high": 10.99,
      "spread": 10.74
    },
    {
      "fips": "17097",
      "state": "IL",
      "county": "Lake",
      "county_slug": "lake",
      "label": "Lake County",
      "year": 2025,
      "originations": 14702,
      "lenders_with_median": 141,
      "low": 0,
      "high": 10.72,
      "spread": 10.72
    },
    {
      "fips": "48355",
      "state": "TX",
      "county": "Nueces",
      "county_slug": "nueces",
      "label": "Nueces County",
      "year": 2025,
      "originations": 5792,
      "lenders_with_median": 81,
      "low": 0,
      "high": 10.675,
      "spread": 10.675
    },
    {
      "fips": "21093",
      "state": "KY",
      "county": "Hardin",
      "county_slug": "hardin",
      "label": "Hardin County",
      "year": 2025,
      "originations": 3136,
      "lenders_with_median": 45,
      "low": 0,
      "high": 10.625,
      "spread": 10.625
    },
    {
      "fips": "08001",
      "state": "CO",
      "county": "Adams",
      "county_slug": "adams",
      "label": "Adams County",
      "year": 2025,
      "originations": 13838,
      "lenders_with_median": 173,
      "low": 0,
      "high": 10.505,
      "spread": 10.505
    },
    {
      "fips": "36047",
      "state": "NY",
      "county": "Kings",
      "county_slug": "kings",
      "label": "Kings County",
      "year": 2025,
      "originations": 12897,
      "lenders_with_median": 114,
      "low": 0.25,
      "high": 10.75,
      "spread": 10.5
    },
    {
      "fips": "34017",
      "state": "NJ",
      "county": "Hudson",
      "county_slug": "hudson",
      "label": "Hudson County",
      "year": 2025,
      "originations": 7032,
      "lenders_with_median": 112,
      "low": 0.25,
      "high": 10.75,
      "spread": 10.5
    },
    {
      "fips": "24510",
      "state": "MD",
      "county": "Baltimore city",
      "county_slug": "baltimore-city",
      "label": "Baltimore city",
      "year": 2025,
      "originations": 10215,
      "lenders_with_median": 137,
      "low": 0.25,
      "high": 10.74,
      "spread": 10.49
    },
    {
      "fips": "20209",
      "state": "KS",
      "county": "Wyandotte",
      "county_slug": "wyandotte",
      "label": "Wyandotte County",
      "year": 2025,
      "originations": 3239,
      "lenders_with_median": 63,
      "low": 0,
      "high": 10.45,
      "spread": 10.45
    },
    {
      "fips": "04013",
      "state": "AZ",
      "county": "Maricopa",
      "county_slug": "maricopa",
      "label": "Maricopa County",
      "year": 2025,
      "originations": 111789,
      "lenders_with_median": 375,
      "low": 3.125,
      "high": 13.5,
      "spread": 10.375
    },
    {
      "fips": "18105",
      "state": "IN",
      "county": "Monroe",
      "county_slug": "monroe",
      "label": "Monroe County",
      "year": 2025,
      "originations": 2741,
      "lenders_with_median": 40,
      "low": 0,
      "high": 10.35,
      "spread": 10.35
    },
    {
      "fips": "48139",
      "state": "TX",
      "county": "Ellis",
      "county_slug": "ellis",
      "label": "Ellis County",
      "year": 2025,
      "originations": 6165,
      "lenders_with_median": 108,
      "low": 3.99,
      "high": 14.25,
      "spread": 10.26
    },
    {
      "fips": "51177",
      "state": "VA",
      "county": "Spotsylvania",
      "county_slug": "spotsylvania",
      "label": "Spotsylvania County",
      "year": 2025,
      "originations": 4656,
      "lenders_with_median": 78,
      "low": 0.25,
      "high": 10.505,
      "spread": 10.255
    },
    {
      "fips": "06075",
      "state": "CA",
      "county": "San Francisco",
      "county_slug": "san-francisco",
      "label": "San Francisco County",
      "year": 2025,
      "originations": 8060,
      "lenders_with_median": 110,
      "low": 0,
      "high": 10.25,
      "spread": 10.25
    },
    {
      "fips": "24021",
      "state": "MD",
      "county": "Frederick",
      "county_slug": "frederick",
      "label": "Frederick County",
      "year": 2025,
      "originations": 7470,
      "lenders_with_median": 121,
      "low": 0.25,
      "high": 10.5,
      "spread": 10.25
    },
    {
      "fips": "51187",
      "state": "VA",
      "county": "Warren",
      "county_slug": "warren",
      "label": "Warren County",
      "year": 2025,
      "originations": 1205,
      "lenders_with_median": 29,
      "low": 0.25,
      "high": 10.475,
      "spread": 10.225
    },
    {
      "fips": "42007",
      "state": "PA",
      "county": "Beaver",
      "county_slug": "beaver",
      "label": "Beaver County",
      "year": 2025,
      "originations": 3885,
      "lenders_with_median": 60,
      "low": 3.99,
      "high": 14.115,
      "spread": 10.125
    },
    {
      "fips": "42003",
      "state": "PA",
      "county": "Allegheny",
      "county_slug": "allegheny",
      "label": "Allegheny County",
      "year": 2025,
      "originations": 26765,
      "lenders_with_median": 170,
      "low": 1.99,
      "high": 12.095,
      "spread": 10.105
    },
    {
      "fips": "42101",
      "state": "PA",
      "county": "Philadelphia",
      "county_slug": "philadelphia",
      "label": "Philadelphia County",
      "year": 2025,
      "originations": 24937,
      "lenders_with_median": 197,
      "low": 1.99,
      "high": 12,
      "spread": 10.01
    },
    {
      "fips": "55133",
      "state": "WI",
      "county": "Waukesha",
      "county_slug": "waukesha",
      "label": "Waukesha County",
      "year": 2025,
      "originations": 12607,
      "lenders_with_median": 100,
      "low": 1.49,
      "high": 11.5,
      "spread": 10.01
    },
    {
      "fips": "42133",
      "state": "PA",
      "county": "York",
      "county_slug": "york",
      "label": "York County",
      "year": 2025,
      "originations": 12502,
      "lenders_with_median": 116,
      "low": 1.99,
      "high": 12,
      "spread": 10.01
    },
    {
      "fips": "42045",
      "state": "PA",
      "county": "Delaware",
      "county_slug": "delaware",
      "label": "Delaware County",
      "year": 2025,
      "originations": 12101,
      "lenders_with_median": 149,
      "low": 1.99,
      "high": 12,
      "spread": 10.01
    },
    {
      "fips": "42043",
      "state": "PA",
      "county": "Dauphin",
      "county_slug": "dauphin",
      "label": "Dauphin County",
      "year": 2025,
      "originations": 6555,
      "lenders_with_median": 86,
      "low": 1.99,
      "high": 12,
      "spread": 10.01
    },
    {
      "fips": "06037",
      "state": "CA",
      "county": "Los Angeles",
      "county_slug": "los-angeles",
      "label": "Los Angeles County",
      "year": 2025,
      "originations": 106668,
      "lenders_with_median": 361,
      "low": 2.99,
      "high": 12.99,
      "spread": 10
    },
    {
      "fips": "47037",
      "state": "TN",
      "county": "Davidson",
      "county_slug": "davidson",
      "label": "Davidson County",
      "year": 2025,
      "originations": 16327,
      "lenders_with_median": 191,
      "low": 1.99,
      "high": 11.99,
      "spread": 10
    },
    {
      "fips": "26147",
      "state": "MI",
      "county": "St. Clair",
      "county_slug": "st-clair",
      "label": "St. Clair County",
      "year": 2025,
      "originations": 4320,
      "lenders_with_median": 54,
      "low": 3.375,
      "high": 13.365,
      "spread": 9.99
    },
    {
      "fips": "42017",
      "state": "PA",
      "county": "Bucks",
      "county_slug": "bucks",
      "label": "Bucks County",
      "year": 2025,
      "originations": 14376,
      "lenders_with_median": 148,
      "low": 1.99,
      "high": 11.9375,
      "spread": 9.9475
    },
    {
      "fips": "42041",
      "state": "PA",
      "county": "Cumberland",
      "county_slug": "cumberland",
      "label": "Cumberland County",
      "year": 2025,
      "originations": 6526,
      "lenders_with_median": 78,
      "low": 1.99,
      "high": 11.885,
      "spread": 9.895
    },
    {
      "fips": "06065",
      "state": "CA",
      "county": "Riverside",
      "county_slug": "riverside",
      "label": "Riverside County",
      "year": 2025,
      "originations": 48863,
      "lenders_with_median": 295,
      "low": 3.625,
      "high": 13.5,
      "spread": 9.875
    },
    {
      "fips": "42077",
      "state": "PA",
      "county": "Lehigh",
      "county_slug": "lehigh",
      "label": "Lehigh County",
      "year": 2025,
      "originations": 7771,
      "lenders_with_median": 106,
      "low": 1.99,
      "high": 11.815,
      "spread": 9.825
    },
    {
      "fips": "21059",
      "state": "KY",
      "county": "Daviess",
      "county_slug": "daviess",
      "label": "Daviess County",
      "year": 2025,
      "originations": 2345,
      "lenders_with_median": 28,
      "low": 0,
      "high": 9.74,
      "spread": 9.74
    },
    {
      "fips": "13097",
      "state": "GA",
      "county": "Douglas",
      "county_slug": "douglas",
      "label": "Douglas County",
      "year": 2025,
      "originations": 3400,
      "lenders_with_median": 73,
      "low": 4.245,
      "high": 13.865,
      "spread": 9.620000000000001
    },
    {
      "fips": "51047",
      "state": "VA",
      "county": "Culpeper",
      "county_slug": "culpeper",
      "label": "Culpeper County",
      "year": 2025,
      "originations": 1503,
      "lenders_with_median": 35,
      "low": 0.25,
      "high": 9.865,
      "spread": 9.615
    },
    {
      "fips": "42001",
      "state": "PA",
      "county": "Adams",
      "county_slug": "adams",
      "label": "Adams County",
      "year": 2025,
      "originations": 2615,
      "lenders_with_median": 52,
      "low": 1.99,
      "high": 11.58,
      "spread": 9.59
    },
    {
      "fips": "06071",
      "state": "CA",
      "county": "San Bernardino",
      "county_slug": "san-bernardino",
      "label": "San Bernardino County",
      "year": 2025,
      "originations": 35747,
      "lenders_with_median": 262,
      "low": 3.99,
      "high": 13.5,
      "spread": 9.51
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    {
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}