Mortgage Originations in the United States increased to 512.15 Billion USD in the third quarter of 2025 from 458.28 Billion USD in the second quarter of 2025. This dataset includes a chart with historical data for the United States Mortgage Originations.

Graph and download economic data for Large Bank Consumer Mortgage Originations: New Originations (RCMFLOORIG) from Q3 2012 to Q2 2025 about origination, FR Y-14M, large, mortgage, new, consumer, banks, depository institutions, and USA.

In 2024, United Wholesale Mortgage was the firm with the highest value of home purchase mortgage originations. The company was responsible for home buying loans worth **** billion U.S. dollars that year. The mortgage market has suffered a decline in new business since 2021, mostly attributed to refinancing loans plummeting due to the higher mortgage interest rates. Nevertheless, the market is forecast to pick up in 2026, as interest rates decline.

In 2024, United Wholesale Mortgage had the most mortgage loan originations, making it the most active lender that year, with approximately *** million mortgages originated. Besides by number of originations, United Wholesale Mortgage led by origination volume. Rocket Mortgage came second in the ranking with about *** million mortgages.

In 2024, Rocket Mortgage was the firm with the highest value of refinance mortgage originations. The company was responsible for refinance loans worth **** billion U.S. dollars that year, nearly *****billion U.S. dollars more than the second lender in the ranking, United Wholesale Mortgage. The mortgage market has suffered a decline in new business since 2021, mostly due to refinancing loans plummeting due to the higher mortgage interest rates. Nevertheless, the market is forecast to pick up in 2026, as interest rates decline.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Loan-to-Value (LTV): 75th Percentile (RCMFLOLTVPCT75) from Q3 2012 to Q2 2025 about origination, FR Y-14M, large, mortgage, percentile, loans, consumer, banks, depository institutions, and USA.

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations amounted to 112 billion U.S. dollars in the first quarter of 2025, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 272 billion U.S. dollars in the first quarter of 2025. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

The NMLS (Nationwide Mortgage Licensing System) serves as the licensing and registration agent for mortgage lenders and loan originators. The NMLS Unique Identifier is the number permanently assigned by the NMLS registry for each company, branch, and individual that maintains a single account on NMLS.

NMLS Loan Originator Data includes:

• Loan Originator NMLS ID
• Loan Originator Name
• Loan Origination Company NMLS ID
• Loan Origination Company Name
• Mortgage Broker NMLS ID
• Mortgage Broker Name
• Loan Originator Employer Address
• Office Phone
• Cell Phone
• Work/Personal Email
• Company/Personal URL

Loan Origination AI Market Outlook

According to our latest research, the global Loan Origination AI market size reached USD 2.3 billion in 2024, demonstrating robust adoption across financial institutions. The market is expected to grow at a CAGR of 19.8% during the forecast period, reaching a projected value of USD 11.11 billion by 2033. This growth is primarily driven by the increasing demand for automation, improved customer experience, and enhanced risk assessment capabilities in the loan origination process. The rapid digital transformation in the banking and financial services sector, coupled with the integration of advanced AI and machine learning technologies, is fundamentally reshaping the way loans are originated and processed worldwide.

One of the key growth factors fueling the Loan Origination AI market is the rising need for efficiency and accuracy in the loan approval process. Traditional loan origination methods are often plagued by manual errors, lengthy processing times, and inconsistent risk evaluation. AI-powered loan origination platforms address these challenges by automating data collection, verification, and analysis, significantly reducing turnaround times and operational costs. By leveraging predictive analytics and machine learning algorithms, these solutions enable lenders to make data-driven decisions, minimize default rates, and enhance compliance with regulatory requirements. The demand for seamless digital experiences among customers further accelerates the adoption of AI-driven solutions in the loan origination domain.

Another significant driver of market growth is the increasing adoption of AI in risk management and fraud detection. Financial institutions are under constant pressure to mitigate risks associated with lending, including credit risk, fraud, and regulatory non-compliance. AI-powered loan origination systems can analyze vast datasets in real-time, identify patterns indicative of fraudulent activities, and provide early warnings to underwriters. This proactive approach not only safeguards lenders against potential losses but also strengthens customer trust and loyalty. Moreover, the ability of AI to continuously learn and adapt to evolving threats ensures that loan origination processes remain resilient and secure in an ever-changing financial landscape.

The proliferation of digital lending platforms and the rise of fintech companies are also contributing to the expansion of the Loan Origination AI market. Fintech firms, with their agile business models and focus on digital innovation, are leveraging AI to streamline loan origination, offer personalized lending products, and reach underserved segments of the population. As competition intensifies, traditional banks and credit unions are increasingly partnering with technology providers or investing in in-house AI capabilities to stay relevant. This trend is fostering a dynamic ecosystem where collaboration and innovation are driving the evolution of loan origination processes, ultimately benefiting both lenders and borrowers.

AI-Powered Mortgage Underwriting is increasingly becoming a cornerstone in the loan origination process. By leveraging AI, mortgage underwriting can be significantly enhanced, offering a more efficient and accurate assessment of borrower risk. This technology automates the evaluation of creditworthiness, analyzing vast amounts of data to provide a comprehensive risk profile. As a result, lenders can make more informed decisions, reduce the likelihood of defaults, and ensure compliance with regulatory standards. The integration of AI in mortgage underwriting not only streamlines operations but also enhances the customer experience by providing faster loan approvals and personalized service.

From a regional perspective, North America currently dominates the Loan Origination AI market, accounting for the largest share in 2024, followed closely by Europe and Asia Pacific. The presence of leading technology vendors, high digital literacy rates, and a favorable regulatory environment have accelerated the adoption of AI-powered loan origination solutions in these regions. However, Asia Pacific is expected to witness the fastest growth during the forecast period, driven by rapid urbanization, increasing smartphone penetration, and the emergence of digital-first financial in

Loan Originator Contact Data has been notoriously difficult to obtain from a single, reliable source… until now. Gain access to the contact data for more than 400,000 mortgage loan originators across the country.

Mortgage market statistics from 100+ million applications covering rates, fees, loan types, and lender rankings by Homebuyer.com.

United States Loan Officer Survey: SLD: Other Banks: Substantially Weaker data was reported at 0.000 % in Apr 2018. This stayed constant from the previous number of 0.000 % for Oct 2017. United States Loan Officer Survey: SLD: Other Banks: Substantially Weaker data is updated quarterly, averaging 0.000 % from Apr 2007 (Median) to Apr 2018, with 27 observations. The data reached an all-time high of 100.000 % in Oct 2008 and a record low of 0.000 % in Apr 2018. United States Loan Officer Survey: SLD: Other Banks: Substantially Weaker data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA051: Senior Loan Officer Opinion Survey: Residential Mortgage Loans. Senior Loan Officer Survey Questionnaire: Apart from normal seasonal variation, how has demand for sub prime mortgages to purchase homes changed over the past three months? From Apr-2009 to Apr-2012, the number of respondents is equals or fewer than 3 hence responses are not reported.

Average mortgage origination fees by gender for U.S. home buyers in 2024, showing fee percentages across different gender categories including Male, Female, Not Provided, Not Applicable, and Both

Mortgage lending information comes from the Federal Financial Institutions Examination Council's (FFIEC) Home Mortgage Disclosure Act (HMDA) data. Loan originations are the creation of a loan after bank approval. Loan origination rates are calculated from the number of loan applications that were either approved or denied—what is termed as decisioned applications. For all charts, the loan’s purpose can be selected via a dropdown list. Trends are summarized by all loan purposes and by Loans for home purchase, home improvement, or refinancing.

Average mortgage origination fees by age for U.S. home buyers in 2024, showing fee percentages across different age groups from 18-24 to 65+ years old

United States Loan Officer Survey: CSE: Other Banks: % Eased Somewhat data was reported at 0.000 % in Apr 2018. This records a decrease from the previous number of 12.000 % for Jan 2018. United States Loan Officer Survey: CSE: Other Banks: % Eased Somewhat data is updated quarterly, averaging 7.400 % from Jan 2015 (Median) to Apr 2018, with 14 observations. The data reached an all-time high of 14.700 % in Apr 2015 and a record low of 0.000 % in Apr 2018. United States Loan Officer Survey: CSE: Other Banks: % Eased Somewhat data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA051: Senior Loan Officer Opinion Survey: Residential Mortgage Loans.

United States Loan Officer Survey: SLD: Other Banks: About the Same data was reported at 100.000 % in Apr 2018. This records an increase from the previous number of 50.000 % for Oct 2017. United States Loan Officer Survey: SLD: Other Banks: About the Same data is updated quarterly, averaging 75.000 % from Apr 2007 (Median) to Apr 2018, with 27 observations. The data reached an all-time high of 100.000 % in Apr 2018 and a record low of 0.000 % in Jan 2014. United States Loan Officer Survey: SLD: Other Banks: About the Same data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA051: Senior Loan Officer Opinion Survey: Residential Mortgage Loans. Senior Loan Officer Survey Questionnaire: Apart from normal seasonal variation, how has demand for sub prime mortgages to purchase homes changed over the past three months? From Apr-2009 to Apr-2012, the number of respondents is equals or fewer than 3 hence responses are not reported.

The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2007 contains information collected in calendar year 2006. The HMDA, enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 8,886 lending institutions and cover approximately 34.1 million home purchase and home improvement loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete or withdrawn. The Private Mortgage Insurance Companies (PMIC) data refer to applications for mortgage insurance to insure home purchase mortgages and to insure mortgages to refinance existing obligations. Part 1, HMDA Transmittal Sheet (TS), and Part 4, PMIC Transmittal Sheet (TS), include information submitted by reporting institutions with the Loan Application Register (LAR), such as the reporting institution's name, address, and Tax ID. Part 2, HMDA Reporter Panel, and Part 5, PMIC Reporter Panel, contain information on all institutions that reported data in activity year 2006. Part 3, HMDA MSA Offices, and Part 6, PMIC MSA Offices, contain information on all metropolitan statistical areas in the data. Parts 7 through 789 contain HMDA and PMIC Loan Application Register (LAR) files at the national level, at the agency level, and by MSA/MD. With some exceptions, for each transaction the institution reported data about the loan (or application), such as the type and amount of the loan made (or applied for) and, in limited circumstances, its price, the disposition of the application, such as whether it was denied or resulted in an origination of a loan, the property to which the loan relates, such as its type (single-family versus multi-family), and location (including the census tract), the sale of the loan, if it was sold, and the applicant's and co-applicant's ethnicity, race, sex, and income.

Whether you want to improve your recruiting process, market your services, or enhance your offerings you can now get in direct contact with mortgage professionals with Loan Originator Contact Data.

What is NMLS Loan Originator Contact Data?

The National Multistate Licensing System (NMLS) serves as the licensing/registration agent for mortgage lenders and loan originators across the United States. The NMLS Unique Identifier is the number permanently assigned by the NMLS registry for each company, branch, and individual that maintains a single account on the NMLS. We’ve complemented our NMLS data set with Loan Originator Contact data so you can streamline your outreach to originators and start building relationships faster.

Loan Originator Contact Data Details:

• Loan Originator NMLS ID
• Loan Originator Name
• Loan Originator Employer NMLS ID
• Loan Originator Employer Name
• Loan Originator Employer Address (Main or Branch)
• Loan Originator Work Phone Number
• Loan Originator Cell Phone Number
• Loan Originator Work Email Address
• Loan Originator Employer Website URLs
• Loan Originator Facebook, LinkedIn and X Profiles (when available)

Average mortgage origination fees by ethnicity for U.S. home buyers in 2024, showing fee percentages across different ethnic groups from Other to Hispanic or Latino borrowers