Franklin Loan Corporation 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Franklin Loan Corporation 44800 Village Court Palm Desert, CA 92260 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 5,346 |
| Total Mortgage Loan Application Amount | $2,272,290,000 |
| Average Mortgage Loan Application Amount | $416,333 |
| Highest Mortgage Loan Application Amount | $12,905,000 |
| Average Applicant Income | $159,333 |
| Highest Applicant Income | $5,876,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Franklin Loan Corporation. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Franklin Loan Corporation's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Franklin Loan Corporation's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Franklin Loan Corporation serves its applicants.
Each category highlights the total number of mortgage applications processed by Franklin Loan Corporation, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Franklin Loan Corporation's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside County California | 2,865 | $ 1,065,785,000 | $ 372,000 | $ 160,000 |
| San Bernardino County California | 591 | $ 199,735,000 | $ 337,000 | $ 144,000 |
| Los Angeles County California | 373 | $ 202,905,000 | $ 543,000 | $ 168,000 |
| Orange County California | 362 | $ 265,310,000 | $ 732,000 | $ 224,000 |
| San Diego County California | 333 | $ 197,275,000 | $ 592,000 | $ 178,000 |
| Clark County Nevada | 60 | $ 16,500,000 | $ 275,000 | $ 81,000 |
| Maricopa County Arizona | 59 | $ 22,095,000 | $ 374,000 | $ 137,000 |
| Arapahoe County Colorado | 50 | $ 16,290,000 | $ 325,000 | $ 129,000 |
| Denver County Colorado | 45 | $ 15,105,000 | $ 335,000 | $ 103,000 |
| Adams County Colorado | 32 | $ 10,880,000 | $ 340,000 | $ 94,000 |
| Ventura County California | 26 | $ 15,970,000 | $ 614,000 | $ 165,000 |
| Santa Clara County California | 24 | $ 19,770,000 | $ 823,000 | $ 184,000 |
| Larimer County Colorado | 23 | $ 8,655,000 | $ 376,000 | $ 109,000 |
| Sacramento County California | 21 | $ 8,645,000 | $ 411,000 | $ 120,000 |
| Jefferson County Colorado | 21 | $ 7,585,000 | $ 361,000 | $ 111,000 |
| Contra Costa County California | 17 | $ 10,115,000 | $ 595,000 | $ 165,000 |
| Mohave County Arizona | 16 | $ 5,910,000 | $ 369,000 | $ 204,000 |
| Weld County Colorado | 13 | $ 4,455,000 | $ 342,000 | $ 91,000 |
| Fresno County California | 12 | $ 3,580,000 | $ 298,000 | $ 160,000 |
| Douglas County Colorado | 12 | $ 5,130,000 | $ 427,000 | $ 123,000 |
| King County Washington | 11 | $ 5,015,000 | $ 455,000 | $ 227,000 |
| San Francisco County California | 10 | $ 7,200,000 | $ 720,000 | $ 284,000 |
| Pinal County Arizona | 9 | $ 3,065,000 | $ 340,000 | $ 90,000 |
| Alameda County California | 9 | $ 5,385,000 | $ 598,000 | $ 183,000 |
| Kern County California | 9 | $ 2,405,000 | $ 267,000 | $ 183,000 |
| San Mateo County California | 9 | $ 8,075,000 | $ 897,000 | $ 276,000 |
| El Paso County Colorado | 9 | $ 3,435,000 | $ 381,000 | $ 123,000 |
| Williamson County Tennessee | 9 | $ 6,705,000 | $ 745,000 | $ 577,000 |
| Imperial County California | 8 | $ 1,970,000 | $ 246,000 | $ 105,000 |
| San Luis Obispo County California | 8 | $ 5,110,000 | $ 638,000 | $ 274,000 |
| Solano County California | 8 | $ 3,940,000 | $ 492,000 | $ 117,000 |
| Ada County Idaho | 8 | $ 3,530,000 | $ 441,000 | $ 413,000 |
| Kootenai County Idaho | 8 | $ 3,100,000 | $ 387,000 | $ 129,000 |
| Allegheny County Pennsylvania | 8 | $ 1,210,000 | $ 151,000 | $ 237,000 |
| Monterey County California | 7 | $ 3,675,000 | $ 525,000 | $ 164,000 |
| Placer County California | 7 | $ 5,035,000 | $ 719,000 | $ 279,000 |
| Sonoma County California | 7 | $ 3,175,000 | $ 453,000 | $ 205,000 |
| El Dorado County California | 6 | $ 2,620,000 | $ 436,000 | $ 227,000 |
| Santa Barbara County California | 6 | $ 4,000,000 | $ 666,000 | $ 285,000 |
| Santa Cruz County California | 6 | $ 2,740,000 | $ 456,000 | $ 204,000 |
| Boulder County Colorado | 6 | $ 2,320,000 | $ 386,000 | $ 96,000 |
| Nevada County California | 5 | $ 2,165,000 | $ 433,000 | $ 160,000 |
| Stanislaus County California | 5 | $ 1,825,000 | $ 365,000 | $ 332,000 |
| Bernalillo County New Mexico | 5 | $ 2,285,000 | $ 457,000 | $ 149,000 |
| Washington County Oregon | 5 | $ 1,295,000 | $ 259,000 | $ 152,000 |
| Spokane County Washington | 5 | $ 1,255,000 | $ 251,000 | $ 110,000 |
| Pima County Arizona | 4 | $ 960,000 | $ 240,000 | $ 522,000 |
| Marin County California | 4 | $ 3,460,000 | $ 865,000 | $ 311,000 |
| San Joaquin County California | 4 | $ 1,900,000 | $ 475,000 | $ 120,000 |
| Pueblo County Colorado | 4 | $ 870,000 | $ 217,000 | $ 53,000 |
| Sarasota County Florida | 4 | $ 2,220,000 | $ 555,000 | $ 937,000 |
| Maui County Hawaii | 4 | $ 2,810,000 | $ 702,000 | $ 181,000 |
| Dona Ana County New Mexico | 4 | $ 930,000 | $ 232,000 | $ 75,000 |
| Pierce County Washington | 4 | $ 1,790,000 | $ 447,000 | $ 106,000 |
| Tulare County California | 3 | $ 755,000 | $ 251,000 | $ 86,000 |
| Yuba County California | 3 | $ 875,000 | $ 291,000 | $ 91,000 |
| Broomfield County Colorado | 3 | $ 1,095,000 | $ 365,000 | $ 89,000 |
| Eagle County Colorado | 3 | $ 1,115,000 | $ 371,000 | $ 86,000 |
| Lee County Florida | 3 | $ 285,000 | $ 95,000 | $ 21,000 |
| Kauai County Hawaii | 3 | $ 2,525,000 | $ 841,000 | $ 439,000 |
| Canyon County Idaho | 3 | $ 945,000 | $ 315,000 | $ 77,000 |
| Douglas County Nevada | 3 | $ 2,655,000 | $ 885,000 | $ 233,000 |
| Multnomah County Oregon | 3 | $ 1,035,000 | $ 345,000 | $ 587,000 |
| Hamilton County Tennessee | 3 | $ 925,000 | $ 308,000 | $ 124,000 |
| Knox County Tennessee | 3 | $ 1,135,000 | $ 378,000 | $ 95,000 |
| Clark County Washington | 3 | $ 1,035,000 | $ 345,000 | $ 1,083,000 |
| Cochise County Arizona | 2 | $ 310,000 | $ 155,000 | $ 87,000 |
| Coconino County Arizona | 2 | $ 700,000 | $ 350,000 | $ 49,000 |
| Yavapai County Arizona | 2 | $ 860,000 | $ 430,000 | $ 227,000 |
| Amador County California | 2 | $ 730,000 | $ 365,000 | $ 206,000 |
| Butte County California | 2 | $ 560,000 | $ 280,000 | $ 252,000 |
| Merced County California | 2 | $ 710,000 | $ 355,000 | $ 78,000 |
| Shasta County California | 2 | $ 920,000 | $ 460,000 | $ 386,000 |
| Clear Creek County Colorado | 2 | $ 670,000 | $ 335,000 | $ 90,000 |
| Routt County Colorado | 2 | $ 600,000 | $ 300,000 | $ 162,000 |
| Duval County Florida | 2 | $ 560,000 | $ 280,000 | $ 74,000 |
| Manatee County Florida | 2 | $ 2,070,000 | $ 1,035,000 | $ 1,592,000 |
| Palm Beach County Florida | 2 | $ 950,000 | $ 475,000 | $ 114,000 |
| St. Johns County Florida | 2 | $ 1,030,000 | $ 515,000 | $ 173,000 |
| Walton County Florida | 2 | $ 2,060,000 | $ 1,030,000 | $ 201,000 |
| Fayette County Georgia | 2 | $ 430,000 | $ 215,000 | $ 123,000 |
| Lyon County Nevada | 2 | $ 1,140,000 | $ 570,000 | $ 135,000 |
| Nye County Nevada | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Benton County Oregon | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| Clackamas County Oregon | 2 | $ 620,000 | $ 310,000 | $ 556,000 |
| Lane County Oregon | 2 | $ 530,000 | $ 265,000 | $ 91,000 |
| Davidson County Tennessee | 2 | $ 840,000 | $ 420,000 | $ 222,000 |
| Sevier County Tennessee | 2 | $ 1,540,000 | $ 770,000 | $ 257,000 |
| Sumner County Tennessee | 2 | $ 1,180,000 | $ 590,000 | $ 164,000 |
| Wilson County Tennessee | 2 | $ 1,040,000 | $ 520,000 | $ 164,000 |
| Bexar County Texas | 2 | $ 630,000 | $ 315,000 | $ 186,000 |
| Graham County Arizona | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| La Paz County Arizona | 1 | $ 595,000 | $ 595,000 | $ 389,000 |
| Yuma County Arizona | 1 | $ 215,000 | $ 215,000 | $ 204,000 |
| Del Norte County California | 1 | $ 215,000 | $ 215,000 | $ 133,000 |
| Humboldt County California | 1 | $ 415,000 | $ 415,000 | $ 160,000 |
| Inyo County California | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Lake County California | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Lassen County California | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Madera County California | 1 | $ 505,000 | $ 505,000 | $ 136,000 |
| Mono County California | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Napa County California | 1 | $ 485,000 | $ 485,000 | $ 51,000 |
| San Benito County California | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Sutter County California | 1 | $ 455,000 | $ 455,000 | $ 188,000 |
| Tehama County California | 1 | $ 345,000 | $ 345,000 | $ 100,000 |
| Tuolumne County California | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Yolo County California | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Delta County Colorado | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Elbert County Colorado | 1 | $ 905,000 | $ 905,000 | $ 247,000 |
| Huerfano County Colorado | 1 | $ 225,000 | $ 225,000 | $ 63,000 |
| La Plata County Colorado | 1 | $ 415,000 | $ 415,000 | $ 122,000 |
| Lincoln County Colorado | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Logan County Colorado | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Mesa County Colorado | 1 | $ 435,000 | $ 435,000 | $ 107,000 |
| Montrose County Colorado | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
| Morgan County Colorado | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Otero County Colorado | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Park County Colorado | 1 | $ 215,000 | $ 215,000 | $ 497,000 |
| Summit County Colorado | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Teller County Colorado | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| Washington County Colorado | 1 | $ 255,000 | $ 255,000 | $ 46,000 |
| Yuma County Colorado | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Broward County Florida | 1 | $ 665,000 | $ 665,000 | $ 156,000 |
| Charlotte County Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Clay County Florida | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Collier County Florida | 1 | $ 395,000 | $ 395,000 | $ 246,000 |
| DeSoto County Florida | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Miami-Dade County Florida | 1 | $ 885,000 | $ 885,000 | $ 317,000 |
| Orange County Florida | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Pinellas County Florida | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Seminole County Florida | 1 | $ 355,000 | $ 355,000 | $ 103,000 |
| Chatham County Georgia | 1 | $ 125,000 | $ 125,000 | $ 172,000 |
| DeKalb County Georgia | 1 | $ 625,000 | $ 625,000 | $ 193,000 |
| Fulton County Georgia | 1 | $ 315,000 | $ 315,000 | $ 469,000 |
| Hawaii County Hawaii | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Honolulu County Hawaii | 1 | $ 1,305,000 | $ 1,305,000 | $ 251,000 |
| Bonner County Idaho | 1 | $ 525,000 | $ 525,000 | $ 113,000 |
| Bonneville County Idaho | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Madison County Idaho | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Charles County Maryland | 1 | $ 455,000 | $ 455,000 | $ 115,000 |
| Montgomery County Maryland | 1 | $ 665,000 | $ 665,000 | $ 158,000 |
| Garden County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Keith County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Carson City County Nevada | 1 | $ 365,000 | $ 365,000 | $ 210,000 |
| Washoe County Nevada | 1 | $ 455,000 | $ 455,000 | $ 115,000 |
| Santa Fe County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Curry County Oregon | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Deschutes County Oregon | 1 | $ 545,000 | $ 545,000 | $ 561,000 |
| Josephine County Oregon | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| Polk County Oregon | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Tillamook County Oregon | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Franklin County Pennsylvania | 1 | $ 535,000 | $ 535,000 | $ 193,000 |
| Dickson County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 374,000 |
| Hawkins County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Maury County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Robertson County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Bell County Texas | 1 | $ 135,000 | $ 135,000 | $ 193,000 |
| Comal County Texas | 1 | $ 395,000 | $ 395,000 | $ 78,000 |
| Dallas County Texas | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Henderson County Texas | 1 | $ 225,000 | $ 225,000 | $ 121,000 |
| Smith County Texas | 1 | $ 345,000 | $ 345,000 | $ 99,000 |
| Benton County Washington | 1 | $ 195,000 | $ 195,000 | $ 146,000 |
| Douglas County Washington | 1 | $ 265,000 | $ 265,000 | $ 24,000 |
| Kittitas County Washington | 1 | $ 365,000 | $ 365,000 | $ 76,000 |
| Snohomish County Washington | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Whatcom County Washington | 1 | $ 355,000 | $ 355,000 | $ 314,000 |
| Yakima County Washington | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
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 | 3,021 | $1,326,125,000 | $438,000 | $4,005,000 | $175,000 | $5,876,000 |
| Refinancing | 1,251 | $522,655,000 | $417,000 | $12,905,000 | $161,000 | $3,468,000 |
| Cash-out Refinancing | 1,074 | $423,510,000 | $394,000 | $2,505,000 | $142,000 | $1,596,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,110 | $1,379,940,000 | $443,000 | $12,905,000 | $184,000 | $5,377,000 |
| Hispanic | 1,188 | $418,840,000 | $352,000 | $1,925,000 | $118,000 | $5,876,000 |
| Not Provided | 536 | $241,950,000 | $451,000 | $2,045,000 | $166,000 | $1,953,000 |
| Asian | 331 | $160,725,000 | $485,000 | $4,005,000 | $177,000 | $1,425,000 |
| Black or African American | 147 | $56,525,000 | $384,000 | $1,255,000 | $120,000 | $425,000 |
| American Indian or Alaskan Native | 21 | $9,135,000 | $435,000 | $1,445,000 | $137,000 | $289,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $5,175,000 | $398,000 | $875,000 | $126,000 | $443,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 4,573 | $1,956,455,000 | $427,000 | $12,905,000 | $177,000 | $5,876,000 |
| FHA-insured (Federal Housing Administration) | 532 | $192,500,000 | $361,000 | $835,000 | $88,000 | $281,000 |
| VA-guaranteed (Veterans Administration) | 238 | $122,440,000 | $514,000 | $1,175,000 | $108,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $895,000 | $298,000 | $425,000 | $82,000 | $96,000 |
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 | 4,586 | $1,907,120,000 | $415,000 | $2,645,000 | $165,000 | $5,876,000 |
| Application Withdrawn By Applicant | 711 | $345,995,000 | $486,000 | $12,905,000 | $169,000 | $3,468,000 |
| Application Denied By Financial Institution | 39 | $17,065,000 | $437,000 | $2,605,000 | $133,000 | $619,000 |
| File Closed For Incompleteness | 7 | $1,395,000 | $199,000 | $305,000 | $56,000 | $75,000 |
| Application Approved But Not Accepted | 3 | $715,000 | $238,000 | $275,000 | $60,000 | $81,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5,307 | $2,255,225,000 | $424,000 | $12,905,000 | $165,000 | $5,876,000 |
| Other | 20 | $8,770,000 | $438,000 | $995,000 | $115,000 | $619,000 |
| Credit History | 5 | $1,645,000 | $329,000 | $455,000 | $141,000 | $285,000 |
| Debt-To-Income Ratio | 4 | $3,500,000 | $875,000 | $2,605,000 | $163,000 | $283,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $950,000 | $237,000 | $365,000 | $85,000 | $176,000 |
| Collateral | 3 | $1,385,000 | $461,000 | $515,000 | $302,000 | $610,000 |
| Employment History | 2 | $440,000 | $220,000 | $285,000 | $76,000 | $106,000 |
| Unverifiable Information | 1 | $375,000 | $375,000 | $375,000 | $166,000 | $166,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Loan Corporation's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Franklin Loan Corporation's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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