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.

Mortgage Originations in the United States decreased to 425.63 Billion USD in the first quarter of 2025 from 465.35 Billion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Mortgage Originations.

In the fourth quarter of 2024, the total value of mortgage originations for purchasing one-to-four family residential housing in the United States was approximately 304 billion U.S. dollars, which was a decrease from the same quarter the year before. This was over 60 percent of the total volume of mortgage lending in that quarter.

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 190 billion U.S. dollars in the fourth quarter of 2024, 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 304 billion U.S. dollars in the fourth quarter of 2024. 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.

Graph and download economic data for Large Bank Consumer Mortgage Originations: New Originations (RCMFLOORIG) from Q3 2012 to Q1 2025 about FR Y-14M, origination, large, mortgage, new, consumer, banks, depository institutions, and USA.

Mortgage originations in the United States plummeted in 2021 and 2022, after soaring to an all-time high in the previous two years. In the fourth quarter of 2024, the value of new mortgage originations amounted to 494 billion U.S. dollars, about 200 billion U.S. dollars higher than the dip in the first quarter of 2023. These fluctuations were mostly because of the development of mortgage interest rates and mortgage lending for home refinance: While interest rates were at a record low in 2020, many homebuyers used the opportunity to refinance their loan. After rates increased, refinancing declined dramatically. How have home sales developed? Over the past decade, the annual number of homes sold in the U.S. ranged between 4.7 million and 6.9 million, with the number of sales of existing homes far outweighing that of newly built homes sold. Housing transactions have generally declined since 2021 because of the less favorable credit conditions and worsening housing affordability. Cash purchases on the rise Although buying in cash is largely uncommon in the U.S., the number of houses bought with cash has increased since 2009. For those who can afford it, a cash purchase provides a number of benefits. Most importantly, cash buyers save from mortgage payments. Additionally, the closing time on these transactions time faster, which gives a competitive advantage in markets with a lot of competition.

Mortgage Application in the United States decreased by 3.80 percent in the week ending July 25 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

CBRE was the leading company in the commercial mortgage banking and brokerage banking ranking in 2023. The company was responsible for approximately ** billion U.S. dollars in origination volume, including debt, equity, hybrid, and other types of financing. Newmark and Walker & Dunlops completed the ranking with ** and ** billion U.S. dollars in mortgage lending, respectively. The lending activity of these companies by sector shows that most lending went into multi-family residences and office.

This layer was developed by the Research & Analytics Group of the Atlanta Regional Commission, using Home Mortgage Disclosure Act (HMDA) data to show mortgage loan applications, originations, denials, and amounts, for 2016, by census tract in the Atlanta Region.

Attributes:

GEOID10 = 2010 Census tract identifier (combination of FIPS codes for state, county, and tract)

County = County identifier (combination of Federal Information Processing Series (FIPS) codes for state and county)

Area_Name = 2010 Census tract number and county name

Total_Population_ACS_2016 = # Total population estimate, 2016 (American Community Survey)

Total_Population_ACS_MOE_2016 = # Total population estimate (Margin of Error), 2016 (American Community Survey)

Planning_Region = Planning region designation for ARC purposes

AcresLand = Land area within the tract (in acres)

AcresWater = Water area within the tract (in acres)

AcresTotal = Total area within the tract (in acres)

SqMi_Land = Land area within the tract (in square miles)

SqMi_Water = Water area within the tract (in square miles)

SqMi_Total = Total area within the tract (in square miles)

TRACTCE10 = Census tract Federal Information Processing Series (FIPS) code. Census tracts are identified by an up to four-digit integer number and may have an optional two-digit suffix; for example 1457.02 or 23. The census tract codes consist of six digits with an implied decimal between the fourth and fifth digit corresponding to the basic census tract number but with leading zeroes and trailing zeroes for census tracts without a suffix. The tract number examples above would have codes of 145702 and 002300, respectively.

CountyName = County Name

ALL_LOAN_APPS_2016 = All Loan Applications, 2016

ALL_LOAN_ORIG_2016 = All Loan Originations, 2016

ALL_LOAN_DENIALS_2016 = All Loan Denials, 2016

HOME_PURCH_LOAN_APPS_2016 = Home Purchase Loan Applications, 2016

HOME_PURCH_LOAN_ORIG_2016 = Home Purchase Loan Originations, 2016

HOME_PURCH_LOAN_DENIALS_2016 = Home Purchase Loan Denials, 2016

HOME_REFI_LOAN_APPS_2016 = Home Refinancing Loan Applications, 2016

HOME_REFI_LOAN_ORIG_2016 = Home Refinancing Loan Originations, 2016

HOME_REFI_LOAN_DENIALS_2016 = Home Refinancing Loan Denials, 2016

MED_AMT_LOAN_APLD_1K = Median Amount of Loan Applied for, $1k, 2016

MED_AMT_LOAN_ORIG_1K = Median Amount of Loan Originated, $1k, 2016

MED_AMT_LOAN_DEND_1K = Median Amount of Loan Denied, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_APLD_1K = Median Amount of Home Purchase Loan Applied for, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_ORIG_1K = Median Amount of Home Purchase Loan Originated, $1k, 2016

MED_AMT_HOME_PURCH_LOAN_DEND_1K = Median Amount of Home Purchase Loan Denied, $1k, 2016

MED_AMT_HOME_REFI_LOAN_APLD_1K = Median Amount of Home Refinancing Loan Applied for, $1k, 2016

MED_AMT_HOME_REFI_LOAN_ORIG_1K = Median Amount of Home Refinancing Loan Originated, $1k, 2016

MED_AMT_HOME_REFI_LOAN_DEND_1K = Median Amount of Home Refinancing Loan Denied, $1k, 2016

MED_INCOME_FOR_LOAN_APLD_1K = Median Applicant Income for Loan Applied for, $1k, 2016

MED_INCOME_FOR_LOAN_ORIG_1K = Median Applicant Income for Loan Originated, $1k, 2016

MED_INCOME_FOR_LOAN_DEND_1K = Median Applicant Income for Loan Denied, $1k, 2016

MED_INCOME_PURCH_LOAN_APLD_1K = Median Applicant Income for Home Purchase Loan Applied for, $1k, 2016

MED_INCOME_PURCH_LOAN_ORIG_1K = Median Applicant Income for Home Purchase Loan Originated, $1k, 2016

MED_INCOME_PURCH_LOAN_DEND_1K = Median Applicant Income for Home Purchase Loan Denied, $1k, 2016

MED_INCOME_REFI_LOAN_APLD_1K = Median Applicant Income for Home Refinancing Loan Applied for, $1k, 2016

MED_INCOME_REFI_LOAN_ORIG_1K = Median Applicant Income for Home Refinancing Loan Originated, $1k, 2016

MED_INCOME_REFI_LOAN_DEND_1K = Median Applicant Income for Home Refinancing Loan Denied, $1k, 2016

LOANS_ORIG_PER_SQ_MI_2016 = Loans Originated per Square Mile, 2016

HOME_PURCH_LOANS_ORIG_SQMI_2016 = Loans Originated for Home Purchase per Square Mile, 2016

HOME_REFI_LOANS_ORIG_SQMI_2016 = Loans Originated for Home Refinancing per Square Mile, 2016

PCT_LOAN_APPS_ORIG_2016 = % of Loan Applications Originated, 2016

PCT_HOME_PURCH_LN_APPS_ORG_2016 = % of Home Purchase Loan Applications Originated, 2016

PCT_HOME_REFI_LN_APPS_ORG_2016 = % of Home Refinancing Loan Applications Originated, 2016

Chg_Loans_Orig_2012_16 = Change in Loan Originations, 2012-2016

Chg_Purch_Loans_Orig_2012_16 = Change in Loan Originations for Home Purchase, 2012-2016

Chg_Refi_Loans_Orig_2012_16 = Change in Loan Originations for Home Refinancing, 2012-2016

Chg_Loans_Orig_SqMi_2012_16 = Change in Loans Originated per Square Mile, 2012-2016

Chg_PurLoans_Orig_SqMi_2012_16 = Change in Loans Originated for Home Purchase per Square Mile, 2012-2016

Chg_RefLoans_Orig_SqMi_2012_16 = Change in Loans Originated for Home Refinancing per Square Mile, 2012-2016

ChgPct_Loan_Apps_Orig_2012_16 = Change in % of Loan Applications Originated, 2012-2016

ChgPct_PurLoan_AppsOrig_2012_16 = Change in % of Home Purchase Loan Applications Originated, 2012-2016

ChgPct_RefLoan_AppsOrig_2012_16 = Change in % of Home Refinancing Loan Applications Originated, 2012-2016

Chg_Loans_Orig_2015_16 = Change in Loan Originations, 2015-2016

Chg_Purch_Loans_Orig_2015_16 = Change in Loan Originations for Home Purchase, 2015-2016

Chg_Refi_Loans_Orig_2015_16 = Change in Loan Originations for Home Refinancing, 2015-2016

Chg_Loans_Orig_SqMi_2015_16 = Change in Loans Originated per Square Mile, 2015-2016

Chg_PurLoans_Orig_SqMi_2015_16 = Change in Loans Originated for Home Purchase per Square Mile, 2015-2016

Chg_RefLoans_Orig_SqMi_2015_16 = Change in Loans Originated for Home Refinancing per Square Mile, 2015-2016

ChgPct_Loan_Apps_Orig_2015_16 = Change in % of Loan Applications Originated, 2015-2016

ChgPct_PurLoan_AppsOrig_2015_16 = Change in % of Home Purchase Loan Applications Originated, 2015-2016

ChgPct_RefLoan_AppsOrig_2015_16 = Change in % of Home Refinancing Loan Applications Originated, 2015-2016

last_edited_date = Last date the feature was edited by ARC

Source: Home Mortgage Disclosure Act (HMDA), Atlanta Regional Commission

Date: 2016

For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com.

MBA Mortgage Market Index in the United States decreased to 245.70 points in July 25 from 255.50 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

MortgagesThis dashboard provides access to data about mortgages, which are closed-end loans used to purchase or refinance a primary residence, vacation home, or investment property. Junior liens and home equity lines of credit (HELOCs) are excluded.Origination activityLending levels - The number and volume of mortgages originated each month.Year-over-year changes - Year-over-year changes in the number and volume of mortgages originated by month.Geographic changes - Geographic distribution of the year-over-year change in the volume of mortgages originated.Inquiry activityInquiry Index - The number of consumers with mortgage inquiries (hard credit pulls) each month indexed to January 2010 levels.Credit tightness index - The number of consumers with mortgage inquiries and no subsequent loan opening each month indexed to January 2010 levels.Borrower risk profilesVolume of mortgages by credit scoreExploring the origination of mortgages to consumers at different credit score levels. Year-over-year changes by credit scoreDetailing the year-over-year changes in origination activity for mortgages by credit score.Lending to low-to-moderate income neighborhoodsVolume of mortgages by neighborhood income levelExamining the origination of mortgages to consumers based on the income level of the neighborhood in which they reside. Year-over-year changes by neighborhood income levelDetailing the year-over-year changes in origination activity for mortgages by neighborhood income level.Lending by borrower ageVolume of mortgages by age groupExploring how lending activity is changing for borrowers by age. Year-over-year changes by borrower ageDetailing the year-over-year changes in origination activity for mortgages by borrower age.

In the fourth quarter of 2024, the refinance mortgage originations of one-to-four family housing in the United States rose to approximately 190 billion U.S. dollars. This was substantially higher than the recent market dip to 46 billion U.S. dollars in the final quarter of 2021. Nevertheless, the increase was shy from the volumes observed during the 2020-2021 peak, when refinancing activity surged due to low mortgage interest rates. Refinance mortgage originations were less than 39 percent of total mortgage originations in the fourth quarter of 2023.

The Federal Housing Administration's HECM program is the only government-insured reverse mortgage program. The HECM program guarantees that the lender will meet its payment obligations to the homeowner, limits the borrower's loan origination costs, and insures full repayment of the loan balance to the lender up to the maximum claim amount. The loan amount is based on borrower age, home value, and current interest rates. The HECM data files provide loan-level records that will enable interested parties to explore issues regarding downpayment assistance provided to homebuyers utilizing HECM insured mortgage financing.

This table contains 80 series, with data starting from 1982 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada); Mortgages (4 items: Total, mortgage loans outstanding; Mortgages in Canada outstanding; Mortgage loans outside Canada outstanding; Allowance for credit losses); Increases and decreases (15 items: Total, increases and decreases; Gross increase; Cash disbursement of principal; Purchases of mortgages from; ...); Type of mortgage (7 items: Total, mortgages; Total, residential mortgages; Residential mortgages, insured; Residential mortgages, uninsured; ...).

This layer was developed by the Research & Analytics Division of the Atlanta Regional Commission using data from the Home Mortgage Disclosure Act to show mortgage loan types and amounts originated by census tract in the Atlanta region.Attributes:All Loans Originated, 2013Home Purchase Loans Originated, 2013Refinancing Loans Originated, 2013All Originated Loans per Square Mile, 2013Home Purchase Loans Originated per Square Mile, 2013Refinancing Loans Originated per Square Mile, 2013Average Amount of Home Purchase Loans Originated (in thousands), 2013Average Applicant Income of Home Purchase Loans Originated (in thousands), 2013Average Loan Amount of Refinancing Loans Originated (in thousands), 2013Average Applicant Income of Refinancing Loans Originated (in thousands), 2013All Loans Originated, 2012Home Purchase Loans Originated, 2012Refinancing Loans Originated, 2012All Originated Loans per Square Mile, 2012Home Purchase Loans Originated per Square Mile, 2012Refinancing Loans Originated per Square Mile, 2012Average Amount of Home Purchase Loans Originated (in thousands), 2012Average Applicant Income of Home Purchase Loans Originated (in thousands), 2012Average Loan Amount of Refinancing Loans Originated (in thousands), 2012Average Applicant Income of Refinancing Loans Originated (in thousands), 2012Change, All Loans Originated, 2012-2013Change, Home Purchase Loans Originated, 2012-2013Change, Refinancing Loans Originated, 2012-2013Change, All Originated Loans per Square Mile, 2012-2013Change, Home Purchase Loans Originated per Square Mile, 2012-2013Change, Refinancing Loans Originated per Square Mile, 2012-2013Square MilesSource: U.S. Census Bureau, Atlanta Regional CommissionDate: 2011, 2012For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com

In 2024, United Wholesale Mortgage was the largest mortgage provider in the United States, with nearly ***** billion U.S. dollars in mortgage lending. In terms of number of mortgage originations, United Wholesale Mortgage also ranked the highest. How do home buyers finance their home purchase? The most common way to finance a new home is via a mortgage, while only a small fraction of home sales is paid in cash. When it comes to different types of housing loans, there are also various options, such as conventional, FHA insured, and VA guaranteed. FHA insured loans are mortgages provided by approved lenders and insured by the Federal Housing Authority. Because of the lower risk associated, home buyers can pay a smaller down payment or have lower credit score. Similarly, VA loans are guaranteed by the Department of Veterans Affairs and are available for veterans, service members, and their surviving spouses. Purchase vs refinance mortgages Once a home buyer has taken out a mortgage for a new home, they can later renegotiate the conditions of the loan. This allows them to shorten or extend the loan term, obtain a lower interest rate, or convert the home’s equity into cash. When mortgage rates were at their lowest in 2020 and 2021, refinance mortgages surged, while purchase mortgages increased at a lower rate.

The global mortgage process outsourcing service market size was valued at USD 14.7 billion in 2025 and is expected to expand at a compound annual growth rate (CAGR) of 5.4% from 2025 to 2033, reaching USD 19.1 billion by 2033. The growth of the market is primarily driven by the increasing demand for outsourcing services from mortgage lenders to reduce operational costs and improve efficiency. Outsourcing mortgage processes allows lenders to focus on their core competencies, such as loan origination and underwriting, while leaving the processing of mortgages to specialized service providers. Key market trends include the adoption of robotic process automation (RPA) and artificial intelligence (AI) in mortgage processing, the increasing preference for digital mortgage platforms, and the growing demand for outsourcing services from non-bank lenders. The market is expected to be challenged by the rising cost of labor in some outsourcing destinations, the potential for data breaches, and the need for robust security measures to protect sensitive borrower information. The large enterprise segment is expected to account for a significant share of the market due to the high volume of mortgage applications processed by large lenders. The fixed-rate segment is expected to dominate the market due to the prevalence of fixed-rate mortgages in many countries.

During the month of March 2025, the company with the largest share of the reverse mortgage market in the United States was Mutual Of Omaha Mortgage Inc. Its share of **** percent was around ***** percent greater than the market share of Finance Of America Reverse LLC. Reverse mortgage volume increases Mutual Of Omaha Mortgage Inc. was the top lender of Home Equity Conversion Mortgages (HECMs) in 2023, with the highest number of loan originations. In 2023, the company, which specializes in home equity retirement solutions, closed a total of over ***** HECMs and ended the year as the leading reverse mortgage company in the United States. Despite the overall number of HECMs in the United States dropping dramatically between 2009 and 2019, this trend reversed in the following years, with 2022 recording the highest 10-year figure. Banks withdraw from reverse mortgage market In the past, some of the largest banks in the United States featured in the list of leading reverse mortgage lenders; as of 2024, financial services firm Wells Fargo remained the all-time leading reverse mortgage company in the country. However, banks have exited the reverse mortgage business, and the rankings now feature companies that focus primarily on HECMs. In 2011, Wells Fargo and Bank of America – the two largest providers of HECMs at the time – stopped offering the service because of an unpredictable housing market and the creditworthiness of borrowers.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans, All Commercial Banks (CREACBM027NBOG) from Jun 2004 to Jun 2025 about real estate, commercial, loans, banks, depository institutions, and USA.

Average Mortgage Size in the United States decreased to 376.08 Thousand USD in June 30 from 379.21 Thousand USD in the previous week. This dataset includes a chart with historical data for the United States Average Mortgage Size.