HMDA 2025 · Freddie Mac PMMS
Mortgage lenders by state and county
Who actually lends where: every lender that reported home-loan applications in each county, with approval and denial totals from the 2025 Home Mortgage Disclosure Act data. For context, the average 30-year fixed rate was 7.40% in the week of October 15, 2026 (Freddie Mac).
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| Quarter | 30-year fixed mortgage rate (weekly average) |
|---|---|
| Q4 2023 | 7.63% |
| Q4 2023 | 7.44% |
| Q4 2023 | 6.95% |
| Q1 2024 | 6.66% |
| Q1 2024 | 6.64% |
| Q1 2024 | 6.88% |
| Q2 2024 | 6.82% |
| Q2 2024 | 7.22% |
| Q2 2024 | 7.03% |
| Q2 2024 | 6.86% |
| Q3 2024 | 6.78% |
| Q3 2024 | 6.46% |
| Q3 2024 | 6.09% |
| Q4 2024 | 6.44% |
| Q4 2024 | 6.78% |
| Q4 2024 | 6.60% |
| Q1 2025 | 6.93% |
| Q1 2025 | 6.89% |
| Q1 2025 | 6.63% |
| Q2 2025 | 6.64% |
| Q2 2025 | 6.76% |
| Q2 2025 | 6.89% |
| Q2 2025 | 6.77% |
| Q3 2025 | 6.74% |
| Q3 2025 | 6.58% |
| Q3 2025 | 6.26% |
| Q4 2025 | 6.27% |
| Q4 2025 | 6.24% |
| Q4 2025 | 6.22% |
| Q1 2026 | 6.16% |
| Q1 2026 | 6.11% |
| Q1 2026 | 6.00% |
| Q2 2026 | 6.46% |
| Q2 2026 | 6.30% |
| Q2 2026 | 6.53% |
| Q2 2026 | 6.49% |
| Q3 2026 | 6.58% |
| Q3 2026 | 6.65% |
| Q3 2026 | 6.95% |
| Q4 2026 | 7.40% |
| State | Counties | Applications | Originated | Denial rate |
|---|---|---|---|---|
| Alabama | 67 | 232,263 | 114,656 | 24.7% |
| Alaska | 28 | 22,092 | 11,799 | 17.9% |
| Arizona | 15 | 354,749 | 183,621 | 20.3% |
| Arkansas | 75 | 134,308 | 66,436 | 23.0% |
| California | 58 | 1,142,248 | 569,477 | 22.3% |
| Colorado | 64 | 291,674 | 156,159 | 19.6% |
| Connecticut | 8 | 0 | 0 | 0.0% |
| Delaware | 3 | 54,722 | 26,911 | 22.7% |
| District of Columbia | 1 | 19,895 | 9,229 | 23.4% |
| Florida | 67 | 1,062,108 | 489,066 | 27.1% |
| Georgia | 159 | 508,724 | 241,969 | 24.9% |
| Hawaii | 5 | 38,441 | 19,814 | 27.3% |
| Idaho | 44 | 100,714 | 56,584 | 17.5% |
| Illinois | 102 | 447,833 | 231,799 | 21.5% |
| Indiana | 92 | 323,290 | 177,941 | 19.9% |
| Iowa | 99 | 122,384 | 75,779 | 15.0% |
| Kansas | 105 | 106,571 | 60,281 | 18.1% |
| Kentucky | 120 | 188,990 | 100,358 | 23.3% |
| Louisiana | 64 | 151,519 | 69,100 | 27.8% |
| Maine | 16 | 61,409 | 35,462 | 19.7% |
| Maryland | 24 | 260,605 | 125,631 | 23.9% |
| Massachusetts | 14 | 244,702 | 135,313 | 19.9% |
| Michigan | 83 | 409,906 | 228,525 | 22.4% |
| Minnesota | 87 | 207,324 | 122,504 | 16.2% |
| Mississippi | 82 | 112,727 | 54,392 | 28.1% |
| Missouri | 115 | 269,646 | 145,913 | 18.5% |
| Montana | 56 | 41,392 | 22,968 | 18.7% |
| Nebraska | 93 | 76,789 | 43,810 | 15.1% |
| Nevada | 17 | 139,469 | 69,139 | 22.0% |
| New Hampshire | 10 | 62,952 | 35,589 | 20.2% |
| New Jersey | 21 | 366,022 | 177,469 | 22.9% |
| New Mexico | 33 | 80,257 | 39,202 | 24.5% |
| New York | 62 | 424,108 | 231,421 | 23.9% |
| North Carolina | 100 | 545,174 | 279,764 | 22.7% |
| North Dakota | 53 | 23,044 | 14,322 | 13.6% |
| Ohio | 88 | 513,109 | 276,314 | 21.7% |
| Oklahoma | 77 | 162,627 | 78,780 | 22.6% |
| Oregon | 36 | 163,302 | 89,084 | 19.0% |
| Pennsylvania | 67 | 492,313 | 271,292 | 22.0% |
| Puerto Rico | 78 | 25,078 | 14,257 | 18.5% |
| Rhode Island | 5 | 48,062 | 25,993 | 23.1% |
| South Carolina | 46 | 288,743 | 142,439 | 23.4% |
| South Dakota | 66 | 29,379 | 17,103 | 15.7% |
| Tennessee | 95 | 340,110 | 175,448 | 21.6% |
| Texas | 254 | 1,124,851 | 524,344 | 24.7% |
| Utah | 29 | 170,570 | 95,941 | 19.1% |
| Vermont | 14 | 22,090 | 13,421 | 18.0% |
| Virginia | 133 | 394,303 | 202,470 | 20.2% |
| Washington | 39 | 318,195 | 174,675 | 19.5% |
| West Virginia | 55 | 59,934 | 29,442 | 26.6% |
| Wisconsin | 72 | 242,098 | 154,432 | 16.2% |
| Wyoming | 23 | 24,809 | 13,322 | 19.4% |