Clay County AL
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Unlock detailed Clay County AL mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
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for all lenders based in Alabama.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 382 |
| Total Mortgage Loan Application Amount | $56,250,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $2,210,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 44 | $ 5,390,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ -1,000 | 42 | $ 5,280,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 21 | $ 3,135,000 |
| FIRSTBANK 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 12,826,414,000 | 14 | $ 1,860,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 546,228,000,000 | 13 | $ 1,345,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ -1,000 | 13 | $ 3,495,000 |
| AMERICA'S FIRST 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 2,349,848,000 | 11 | $ 1,045,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 10 | $ 1,490,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 8 | $ 1,190,000 |
| REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 8 | $ 1,010,000 |
| CIS FINANCIAL SERVICES, INC. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 7 | $ 895,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 552,307,127,000 | 7 | $ 705,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 129,461,046,000 | 7 | $ 565,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 6 | $ 1,300,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 6 | $ 1,720,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,717,531,000,000 | 6 | $ 760,000 |
| HOMESTAR FINANCIAL CORPORATION 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 5 | $ 1,205,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 5 | $ 545,000 |
| COUNTRYPLACE MORTGAGE, LTD. 15301 SPECTRUM DR. STE 550 AUSTIN, TX 75001 |
* | $ -1,000 | 5 | $ 765,000 |
| GUILD MORTGAGE COMPANY LLC 5898 COPLEY DRIVE GLENDALE, CA 92111 |
* | $ -1,000 | 5 | $ 585,000 |
| CSL FINANCIAL, LLC 500 OFFICE PARK DRIVE, SUITE 310 MONTGOMERY, AL 35223 |
* | $ -1,000 | 5 | $ 765,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 4 | $ 620,000 |
| FIRST BANK OF ALABAMA 120 NORTH ST E TALLADEGA, AL 35160 |
* | $ 921,097,000 | 4 | $ 660,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 375,000 |
| SOUTHPOINT BANK 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 1,366,149,000 | 3 | $ 215,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 3 | $ 415,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 3,601,623,000 | 3 | $ 395,000 |
| COASTAL COMMUNITY BANK PO BOX 12220 EVERETT, WA 98206 |
* | $ 3,141,703,000 | 3 | $ 185,000 |
| SUCCESS MORTGAGE PARTNERS, INC. 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 405,000 |
| STOCKTON MORTGAGE CORPORATION 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 3 | $ 1,065,000 |
| RENASANT BANK 209 TROY ST., P.O. BOX 709 TUPELO, MS 38802 |
* | $ 16,995,485,000 | 2 | $ 530,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 240,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 2 | $ 200,000 |
| AOD FEDERAL CREDIT UNION 334 VICTORY DRIVE OXFORD, AL 36253 |
* | $ 417,872,000 | 2 | $ 270,000 |
| CENTIER BANK 600 E 84TH AVENUE WHITING, IN 46410 |
* | $ 6,722,761,000 | 2 | $ 270,000 |
| MUTUAL OF OMAHA MORTGAGE, INC. 3131 CAMINO DEL RIO N 190 WILMINGTON, DE 92108 |
* | $ -1,000 | 2 | $ 180,000 |
| FAMILY SAVINGS CREDIT UNION 711 E MEIGHAN BLVD RAINBOW CITY, AL 35903 |
* | $ 756,762,000 | 2 | $ 130,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 780,976,000 | 2 | $ 400,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 2 | $ 280,000 |
| SERVION, INC. 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 110,000 |
| AMERIS BANK 300 SOUTH MAIN STREET ATLANTA, GA 31768 |
* | $ 24,967,889,000 | 2 | $ 480,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,418,508,000,000 | 2 | $ 520,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 90,036,656,000 | 2 | $ 470,000 |
| SOUTHSTATE BANK, NATIONAL ASSOCIATION 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 2 | $ 170,000 |
| PROSPERITY HOME MORTGAGE, LLC 14501 GEORGE CARTER WAY SUITE 300 GLEN ALLEN, VA 20151 |
* | $ -1,000 | 2 | $ 330,000 |
| SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 TEMPE, AZ 85297 |
* | $ -1,000 | 2 | $ 370,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 2 | $ 530,000 |
| A+ FEDERAL CREDIT UNION 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,725,398,000 | 2 | $ 290,000 |
| TOP FLITE FINANCIAL, INC. 123 E GRAND RIVER AVE PLYMOUTH, MI 48895 |
* | $ -1,000 | 1 | $ 65,000 |
| HUNT MORTGAGE CORPORATION 5400 BROADWAY STREET BUFFALO, NY 14086 |
* | $ -1,000 | 1 | $ 95,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 145,000 |
| SECURITYNATIONAL MORTGAGE COMPANY 5300 SOUTH 360 WEST WILMINGTON, DE 84123 |
* | $ -1,000 | 1 | $ 285,000 |
| CORNERSTONE FIRST MORTGAGE, INC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 265,000 |
| PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 105,000 |
| FIRST FED BANK 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ 2,019,046,000 | 1 | $ 85,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 35,526,360,000 | 1 | $ 125,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ -1,000 | 1 | $ 305,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 145,000 |
| UNITED COMMUNITY BANK PO BOX 398 GREENVILLE, SC 30512 |
* | $ 23,954,627,000 | 1 | $ 145,000 |
| NEXBANK 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 1 | $ 285,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 1 | $ 115,000 |
| RADIANT CREDIT UNION 405 SE 2ND PLACE GAINESVILLE, FL 32601 |
* | $ 749,271,000 | 1 | $ 185,000 |
| LUMINATE HOME LOANS, INC. 7760 FRANCE AVE S, STE 1010 ROSEVILLE, MN 55435 |
* | $ -1,000 | 1 | $ 245,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 WILMINGTON, DE 28277 |
* | $ -1,000 | 1 | $ 55,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 1 | $ 75,000 |
| FLORIDA CENTRAL CREDIT UNION 3333 HENDERSON BLVD TAMPA, FL 33609 |
* | $ 591,722,000 | 1 | $ 135,000 |
| MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ -1,000 | 1 | $ 85,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 1 | $ 285,000 |
| ASSURANCE FINANCIAL GROUP, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 1 | $ 315,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 AUSTIN, TX 75024 |
* | $ -1,000 | 1 | $ 105,000 |
| SOUTHWEST FUNDING, LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 95,000 |
| CONSUMER REAL ESTATE FINANCE CO. 330 SW 2ND ST #111 LOXAHATCHEE, FL 33312 |
* | $ -1,000 | 1 | $ 105,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,766,752,000,000 | 1 | $ 75,000 |
| WILMINGTON SAVINGS FUND SOCIETY, FSB 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 75,000 |
| HERITAGE SOUTH CREDIT UNION 60 GENE STEWART BOULEVARD SYLACAUGA, AL 35151 |
* | $ 167,196,000 | 1 | $ 45,000 |
| GUARDIAN CREDIT UNION 616 MADISON AVENUE MONTGOMERY, AL 36131 |
* | $ 865,286,000 | 1 | $ 45,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ -1,000 | 1 | $ 155,000 |
| LEGENDS BANK P.O. BOX 1066 CLARKSVILLE, TN 37041 |
* | $ 826,846,000 | 1 | $ 75,000 |
| MUTUAL SAVINGS CREDIT UNION 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 218,893,000 | 1 | $ 55,000 |
| HONDA FEDERAL CREDIT UNION 1919 TORRANCE BLVD TORRANCE, CA 90509 |
* | $ 1,125,970,000 | 1 | $ 35,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A PLYMOUTH, MI 48083 |
* | $ -1,000 | 1 | $ 75,000 |
| FORT MCCLELLAN CREDIT UNION 1731 NOBLE STREET ANNISTON, AL 36201 |
* | $ 233,225,000 | 1 | $ 75,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 145,000 |
| GMFS LLC 7389 FLORIDA BLVD, STE 200-A CAMDEN, DE 70806 |
* | $ -1,000 | 1 | $ 115,000 |
| ALATRUST CREDIT UNION 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 187,386,000 | 1 | $ 25,000 |
| BAYSHORE MORTGAGE FUNDING, LLC 1920 GREENSPRING DRIVE, SUITE 140 BALTIMORE, MD 21093 |
* | $ -1,000 | 1 | $ 75,000 |
| FIRST HORIZON BANK 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38101 |
* | $ 78,672,073,000 | 1 | $ 1,205,000 |
| COMMUNITY BANK OF MISSISSIPPI 323 EAST THIRD STREET FLOWOOD, MS 39074 |
* | $ 4,608,467,000 | 1 | $ 15,000 |
| CADENCE BANK P O BOX 789 TUPELO, MS 38802 |
* | $ 48,668,073,000 | 1 | $ 445,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 1 | $ 265,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2023, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Clay County AL in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 270 | $42,380,000 | $156,000 | $685,000 | $75,000 | $682,000 |
| Cash-out Refinancing | 43 | $6,305,000 | $146,000 | $455,000 | $80,000 | $514,000 |
| Other Purpose | 29 | $3,355,000 | $115,000 | $1,205,000 | $160,000 | $2,210,000 |
| Refinancing | 22 | $2,980,000 | $135,000 | $355,000 | $65,000 | $158,000 |
| Home Improvement | 17 | $1,185,000 | $69,000 | $245,000 | $95,000 | $249,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $35,000 | $35,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 252 | $38,930,000 | $154,000 | $1,205,000 | $89,000 | $2,210,000 |
| Black or African American | 46 | $5,160,000 | $112,000 | $255,000 | $51,000 | $104,000 |
| Not Provided | 35 | $4,435,000 | $126,000 | $455,000 | $80,000 | $278,000 |
| Not applicable | 32 | $5,400,000 | $168,000 | $675,000 | $72,000 | $155,000 |
| Hispanic | 11 | $1,335,000 | $121,000 | $265,000 | $69,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $275,000 | $80,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $420,000 | $210,000 | $275,000 | $82,000 | $106,000 |
| Asian | 2 | $90,000 | $45,000 | $65,000 | $36,000 | $36,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 280 | $37,340,000 | $133,000 | $1,205,000 | $86,000 | $2,210,000 |
| FHA-insured (Federal Housing Administration) | 66 | $10,650,000 | $161,000 | $315,000 | $66,000 | $199,000 |
| VA-guaranteed (Veterans Administration) | 32 | $7,770,000 | $242,000 | $685,000 | $81,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $490,000 | $122,000 | $225,000 | $57,000 | $85,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 140 | $22,870,000 | $163,000 | $1,205,000 | $107,000 | $2,210,000 |
| Application Denied By Financial Institution | 123 | $15,885,000 | $129,000 | $325,000 | $57,000 | $165,000 |
| File Closed For Incompleteness | 39 | $4,475,000 | $114,000 | $245,000 | $63,000 | $119,000 |
| Application Withdrawn By Applicant | 38 | $6,140,000 | $161,000 | $685,000 | $87,000 | $278,000 |
| Loan Purchased By The Institution | 32 | $5,460,000 | $170,000 | $675,000 | $65,000 | $155,000 |
| Application Approved But Not Accepted | 10 | $1,420,000 | $142,000 | $245,000 | $100,000 | $249,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 254 | $39,630,000 | $156,000 | $1,205,000 | $95,000 | $2,210,000 |
| Credit History | 63 | $7,555,000 | $119,000 | $275,000 | $55,000 | $165,000 |
| Debt-To-Income Ratio | 30 | $4,310,000 | $143,000 | $315,000 | $59,000 | $194,000 |
| Collateral | 17 | $2,515,000 | $147,000 | $275,000 | $60,000 | $92,000 |
| Credit Application Incomplete | 6 | $1,030,000 | $171,000 | $325,000 | $80,000 | $129,000 |
| Other | 4 | $330,000 | $82,000 | $95,000 | $84,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $420,000 | $105,000 | $165,000 | $76,000 | $104,000 |
| Unverifiable Information | 3 | $175,000 | $58,000 | $65,000 | $52,000 | $83,000 |
| Employment History | 1 | $285,000 | $285,000 | $285,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.