Security Service Federal Credit Union 2016 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 | Security Service Federal Credit Union 15000 W Interstate 10 Bldg 4 San Antonio, TX 78249 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 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,870 |
| Total Mortgage Loan Application Amount | $1,725,425,000 |
| Average Mortgage Loan Application Amount | $145,666 |
| Highest Mortgage Loan Application Amount | $12,797,000 |
| Average Applicant Income | $106,333 |
| Highest Applicant Income | $3,933,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Security Service Federal Credit Union. 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 Security Service Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Security Service Federal Credit Union'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 Security Service Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Security Service Federal Credit Union, 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 Security Service Federal Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar County Texas | 3,928 | $ 533,242,000 | $ 135,000 | $ 87,000 |
| Hidalgo County Texas | 837 | $ 92,731,000 | $ 110,000 | $ 81,000 |
| El Paso County Colorado | 462 | $ 94,319,000 | $ 204,000 | $ 86,000 |
| Cameron County Texas | 306 | $ 30,736,000 | $ 100,000 | $ 79,000 |
| Comal County Texas | 260 | $ 59,664,000 | $ 229,000 | $ 127,000 |
| Nueces County Texas | 251 | $ 39,391,000 | $ 156,000 | $ 136,000 |
| Salt Lake County Utah | 235 | $ 62,929,000 | $ 267,000 | $ 141,000 |
| Pueblo County Colorado | 230 | $ 26,648,000 | $ 115,000 | $ 73,000 |
| Utah County Utah | 218 | $ 51,936,000 | $ 238,000 | $ 96,000 |
| El Paso County Texas | 179 | $ 18,642,000 | $ 104,000 | $ 83,000 |
| Guadalupe County Texas | 173 | $ 27,310,000 | $ 157,000 | $ 97,000 |
| Denver County Colorado | 154 | $ 40,877,000 | $ 265,000 | $ 127,000 |
| Weld County Colorado | 145 | $ 27,335,000 | $ 188,000 | $ 89,000 |
| Arapahoe County Colorado | 135 | $ 29,863,000 | $ 221,000 | $ 104,000 |
| Jefferson County Colorado | 128 | $ 32,807,000 | $ 256,000 | $ 111,000 |
| Travis County Texas | 124 | $ 37,985,000 | $ 306,000 | $ 182,000 |
| Larimer County Colorado | 115 | $ 24,591,000 | $ 213,000 | $ 97,000 |
| Medina County Texas | 107 | $ 15,041,000 | $ 140,000 | $ 92,000 |
| Kendall County Texas | 106 | $ 28,032,000 | $ 264,000 | $ 140,000 |
| Douglas County Colorado | 87 | $ 27,246,000 | $ 313,000 | $ 157,000 |
| Adams County Colorado | 85 | $ 17,996,000 | $ 211,000 | $ 86,000 |
| Harris County Texas | 84 | $ 29,128,000 | $ 346,000 | $ 192,000 |
| Atascosa County Texas | 83 | $ 9,600,000 | $ 115,000 | $ 81,000 |
| Uvalde County Texas | 78 | $ 7,363,000 | $ 94,000 | $ 84,000 |
| Wilson County Texas | 69 | $ 12,464,000 | $ 180,000 | $ 99,000 |
| San Patricio County Texas | 65 | $ 7,450,000 | $ 114,000 | $ 80,000 |
| Summit County Utah | 65 | $ 56,087,000 | $ 862,000 | $ 342,000 |
| Washington County Utah | 65 | $ 18,510,000 | $ 284,000 | $ 135,000 |
| Bandera County Texas | 61 | $ 10,096,000 | $ 165,000 | $ 100,000 |
| Boulder County Colorado | 57 | $ 15,906,000 | $ 279,000 | $ 139,000 |
| Webb County Texas | 51 | $ 6,762,000 | $ 132,000 | $ 89,000 |
| Williamson County Texas | 46 | $ 11,431,000 | $ 248,000 | $ 133,000 |
| Hays County Texas | 39 | $ 10,024,000 | $ 257,000 | $ 136,000 |
| Wasatch County Utah | 35 | $ 24,871,000 | $ 710,000 | $ 435,000 |
| Dallas County Texas | 30 | $ 33,208,000 | $ 1,106,000 | $ 251,000 |
| Maverick County Texas | 30 | $ 2,986,000 | $ 99,000 | $ 87,000 |
| Fort Bend County Texas | 27 | $ 7,407,000 | $ 274,000 | $ 183,000 |
| Kerr County Texas | 25 | $ 3,671,000 | $ 146,000 | $ 79,000 |
| Fremont County Colorado | 24 | $ 3,451,000 | $ 143,000 | $ 83,000 |
| Collin County Texas | 24 | $ 7,034,000 | $ 293,000 | $ 266,000 |
| Aransas County Texas | 23 | $ 3,686,000 | $ 160,000 | $ 102,000 |
| Gillespie County Texas | 21 | $ 2,959,000 | $ 140,000 | $ 83,000 |
| Tarrant County Texas | 21 | $ 6,123,000 | $ 291,000 | $ 162,000 |
| Davis County Utah | 20 | $ 5,763,000 | $ 288,000 | $ 115,000 |
| Denton County Texas | 18 | $ 5,744,000 | $ 319,000 | $ 180,000 |
| Weber County Utah | 18 | $ 7,161,000 | $ 397,000 | $ 188,000 |
| Broomfield County Colorado | 17 | $ 6,411,000 | $ 377,000 | $ 242,000 |
| Elbert County Colorado | 15 | $ 4,098,000 | $ 273,000 | $ 109,000 |
| Park County Colorado | 15 | $ 3,412,000 | $ 227,000 | $ 99,000 |
| Montgomery County Texas | 15 | $ 3,417,000 | $ 227,000 | $ 141,000 |
| Mesa County Colorado | 14 | $ 2,308,000 | $ 164,000 | $ 116,000 |
| Jim Wells County Texas | 14 | $ 1,675,000 | $ 119,000 | $ 93,000 |
| Galveston County Texas | 13 | $ 2,614,000 | $ 201,000 | $ 166,000 |
| Zavala County Texas | 13 | $ 778,000 | $ 59,000 | $ 56,000 |
| Garfield County Colorado | 12 | $ 3,950,000 | $ 329,000 | $ 179,000 |
| Willacy County Texas | 12 | $ 1,243,000 | $ 103,000 | $ 55,000 |
| Otero County Colorado | 11 | $ 1,093,000 | $ 99,000 | $ 66,000 |
| Starr County Texas | 11 | $ 1,159,000 | $ 105,000 | $ 62,000 |
| Val Verde County Texas | 11 | $ 1,021,000 | $ 92,000 | $ 59,000 |
| Tooele County Utah | 11 | $ 2,027,000 | $ 184,000 | $ 122,000 |
| Montrose County Colorado | 10 | $ 2,025,000 | $ 202,000 | $ 121,000 |
| Burnet County Texas | 10 | $ 2,327,000 | $ 232,000 | $ 122,000 |
| Kleberg County Texas | 10 | $ 1,042,000 | $ 104,000 | $ 88,000 |
| Eagle County Colorado | 9 | $ 1,548,000 | $ 172,000 | $ 94,000 |
| Bastrop County Texas | 9 | $ 1,772,000 | $ 196,000 | $ 128,000 |
| Live Oak County Texas | 9 | $ 943,000 | $ 104,000 | $ 89,000 |
| Juab County Utah | 9 | $ 2,238,000 | $ 248,000 | $ 115,000 |
| Las Animas County Colorado | 8 | $ 541,000 | $ 67,000 | $ 41,000 |
| Teller County Colorado | 8 | $ 1,704,000 | $ 213,000 | $ 90,000 |
| Brazoria County Texas | 8 | $ 1,103,000 | $ 137,000 | $ 116,000 |
| Frio County Texas | 8 | $ 668,000 | $ 83,000 | $ 67,000 |
| Gilpin County Colorado | 7 | $ 1,910,000 | $ 272,000 | $ 92,000 |
| Summit County Colorado | 7 | $ 1,659,000 | $ 237,000 | $ 119,000 |
| Bell County Texas | 7 | $ 604,000 | $ 86,000 | $ 87,000 |
| Dimmit County Texas | 7 | $ 987,000 | $ 141,000 | $ 109,000 |
| Victoria County Texas | 7 | $ 1,178,000 | $ 168,000 | $ 123,000 |
| Alamosa County Colorado | 6 | $ 806,000 | $ 134,000 | $ 95,000 |
| Chaffee County Colorado | 6 | $ 1,403,000 | $ 233,000 | $ 99,000 |
| Grand County Colorado | 6 | $ 1,320,000 | $ 220,000 | $ 100,000 |
| Blanco County Texas | 6 | $ 1,635,000 | $ 272,000 | $ 89,000 |
| Morgan County Utah | 6 | $ 2,699,000 | $ 449,000 | $ 235,000 |
| Gunnison County Colorado | 5 | $ 1,417,000 | $ 283,000 | $ 175,000 |
| Duval County Texas | 5 | $ 159,000 | $ 31,000 | $ 54,000 |
| Ector County Texas | 5 | $ 375,000 | $ 75,000 | $ 53,000 |
| Lubbock County Texas | 5 | $ 707,000 | $ 141,000 | $ 182,000 |
| Cache County Utah | 5 | $ 943,000 | $ 188,000 | $ 158,000 |
| Huerfano County Colorado | 4 | $ 460,000 | $ 115,000 | $ 134,000 |
| Morgan County Colorado | 4 | $ 520,000 | $ 130,000 | $ 73,000 |
| Rio Grande County Colorado | 4 | $ 342,000 | $ 85,000 | $ 50,000 |
| Caldwell County Texas | 4 | $ 345,000 | $ 86,000 | $ 56,000 |
| La Salle County Texas | 4 | $ 256,000 | $ 64,000 | $ 48,000 |
| Llano County Texas | 4 | $ 836,000 | $ 209,000 | $ 63,000 |
| McLennan County Texas | 4 | $ 424,000 | $ 106,000 | $ 75,000 |
| Custer County Colorado | 3 | $ 441,000 | $ 147,000 | $ 93,000 |
| La Plata County Colorado | 3 | $ 1,047,000 | $ 349,000 | $ 272,000 |
| Pitkin County Colorado | 3 | $ 2,172,000 | $ 724,000 | $ 540,000 |
| Bee County Texas | 3 | $ 221,000 | $ 73,000 | $ 40,000 |
| Comanche County Texas | 3 | $ 180,000 | $ 60,000 | $ 116,000 |
| Fayette County Texas | 3 | $ 879,000 | $ 293,000 | $ 154,000 |
| Gonzales County Texas | 3 | $ 861,000 | $ 287,000 | $ 191,000 |
| Randall County Texas | 3 | $ 596,000 | $ 198,000 | $ 119,000 |
| Smith County Texas | 3 | $ 328,000 | $ 109,000 | $ 114,000 |
| Zapata County Texas | 3 | $ 500,000 | $ 166,000 | $ 45,000 |
| Rich County Utah | 3 | $ 808,000 | $ 269,000 | $ 365,000 |
| Conejos County Colorado | 2 | $ 140,000 | $ 70,000 | $ 39,000 |
| Delta County Colorado | 2 | $ 590,000 | $ 295,000 | $ 143,000 |
| Jackson County Colorado | 2 | $ 360,000 | $ 180,000 | $ 92,000 |
| Kit Carson County Colorado | 2 | $ 197,000 | $ 98,000 | $ 46,000 |
| Prowers County Colorado | 2 | $ 222,000 | $ 111,000 | $ 54,000 |
| Routt County Colorado | 2 | $ 83,000 | $ 41,000 | $ 66,000 |
| Saguache County Colorado | 2 | $ 280,000 | $ 140,000 | $ 38,000 |
| Angelina County Texas | 2 | $ 184,000 | $ 92,000 | $ 98,000 |
| Brazos County Texas | 2 | $ 797,000 | $ 398,000 | $ 324,000 |
| Calhoun County Texas | 2 | $ 201,000 | $ 100,000 | $ 48,000 |
| Ellis County Texas | 2 | $ 485,000 | $ 242,000 | $ 136,000 |
| Gregg County Texas | 2 | $ 432,000 | $ 216,000 | $ 227,000 |
| Jackson County Texas | 2 | $ 534,000 | $ 267,000 | $ 95,000 |
| Karnes County Texas | 2 | $ 158,000 | $ 79,000 | $ 82,000 |
| Kinney County Texas | 2 | $ 109,000 | $ 54,000 | $ 149,000 |
| Mason County Texas | 2 | $ 157,000 | $ 78,000 | $ 52,000 |
| Mills County Texas | 2 | $ 50,000 | $ 25,000 | $ 56,000 |
| Orange County Texas | 2 | $ 221,000 | $ 110,000 | $ 83,000 |
| Panola County Texas | 2 | $ 294,000 | $ 147,000 | $ 65,000 |
| Parmer County Texas | 2 | $ 105,000 | $ 52,000 | $ 63,000 |
| Potter County Texas | 2 | $ 461,000 | $ 230,000 | $ 500,000 |
| Real County Texas | 2 | $ 88,000 | $ 44,000 | $ 31,000 |
| Refugio County Texas | 2 | $ 241,000 | $ 120,000 | $ 72,000 |
| Tom Green County Texas | 2 | $ 511,000 | $ 255,000 | $ 160,000 |
| Waller County Texas | 2 | $ 965,000 | $ 482,000 | $ 125,000 |
| Beaver County Utah | 2 | $ 405,000 | $ 202,000 | $ 65,000 |
| Duchesne County Utah | 2 | $ 330,000 | $ 165,000 | $ 76,000 |
| San Juan County Utah | 2 | $ 149,000 | $ 74,000 | $ 119,000 |
| Sanpete County Utah | 2 | $ 37,000 | $ 18,000 | $ 29,000 |
| Archuleta County Colorado | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Lake County Colorado | 1 | $ 284,000 | $ 284,000 | $ 78,000 |
| Lincoln County Colorado | 1 | $ 112,000 | $ 112,000 | $ 117,000 |
| Moffat County Colorado | 1 | $ 113,000 | $ 113,000 | $ 82,000 |
| Ouray County Colorado | 1 | $ 219,000 | $ 219,000 | $ 148,000 |
| San Miguel County Colorado | 1 | $ 2,900,000 | $ 2,900,000 | $ 1,199,000 |
| Washington County Colorado | 1 | $ 66,000 | $ 66,000 | $ 92,000 |
| Dawson County Texas | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Delta County Texas | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Freestone County Texas | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Hudspeth County Texas | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Jim Hogg County Texas | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| Johnson County Texas | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Kimble County Texas | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| Lamar County Texas | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Lee County Texas | 1 | $ 101,000 | $ 101,000 | $ 32,000 |
| Matagorda County Texas | 1 | $ 20,000 | $ 20,000 | $ 4,000 |
| McCulloch County Texas | 1 | $ 147,000 | $ 147,000 | $ 79,000 |
| Midland County Texas | 1 | $ 268,000 | $ 268,000 | $ 144,000 |
| Navarro County Texas | 1 | $ 38,000 | $ 38,000 | $ 114,000 |
| Polk County Texas | 1 | $ 74,000 | $ 74,000 | $ 103,000 |
| Rockwall County Texas | 1 | $ 261,000 | $ 261,000 | $ 89,000 |
| Runnels County Texas | 1 | $ 92,000 | $ 92,000 | $ 102,000 |
| San Jacinto County Texas | 1 | $ 350,000 | $ 350,000 | $ 249,000 |
| Scurry County Texas | 1 | $ 53,000 | $ 53,000 | $ 112,000 |
| Washington County Texas | 1 | $ 570,000 | $ 570,000 | $ 149,000 |
| Wise County Texas | 1 | $ 295,000 | $ 295,000 | $ 139,000 |
| Carbon County Utah | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Emery County Utah | 1 | $ 50,000 | $ 50,000 | $ 68,000 |
| Garfield County Utah | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Grand County Utah | 1 | $ 252,000 | $ 252,000 | $ 56,000 |
| Iron County Utah | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Kane County Utah | 1 | $ 269,000 | $ 269,000 | $ 105,000 |
| Millard County Utah | 1 | $ 208,000 | $ 208,000 | $ 95,000 |
| Sevier County Utah | 1 | $ 45,000 | $ 45,000 | $ 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 |
|---|---|---|---|---|---|---|
| Refinancing | 6,642 | $986,274,000 | $148,000 | $12,797,000 | $88,000 | $1,345,000 |
| Home Purchase | 3,007 | $728,588,000 | $242,000 | $5,250,000 | $131,000 | $3,933,000 |
| Home Improvement | 221 | $10,563,000 | $47,000 | $680,000 | $100,000 | $366,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 3,976 | $468,476,000 | $117,000 | $1,080,000 | $78,000 | $1,366,000 |
| White | 3,761 | $832,653,000 | $221,000 | $3,500,000 | $121,000 | $3,933,000 |
| Not Provided | 1,694 | $298,589,000 | $176,000 | $1,325,000 | $107,000 | $903,000 |
| Asian | 219 | $48,159,000 | $219,000 | $1,360,000 | $141,000 | $695,000 |
| Black or African American | 181 | $32,166,000 | $177,000 | $2,280,000 | $108,000 | $1,263,000 |
| American Indian or Alaskan Native | 20 | $4,762,000 | $238,000 | $548,000 | $104,000 | $268,000 |
| Native Hawaiin or Other Pacific Islander | 12 | $3,917,000 | $326,000 | $914,000 | $158,000 | $327,000 |
| Not applicable | 7 | $36,703,000 | $5,243,000 | $12,797,000 | $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) | 9,819 | $1,715,675,000 | $174,000 | $12,797,000 | $102,000 | $3,933,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,035,000 | $201,000 | $431,000 | $80,000 | $214,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,715,000 | $169,000 | $268,000 | $97,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 5,813 | $1,081,259,000 | $186,000 | $12,797,000 | $108,000 | $3,933,000 |
| Application Denied By Financial Institution | 1,995 | $326,154,000 | $163,000 | $3,750,000 | $86,000 | $1,345,000 |
| File Closed For Incompleteness | 1,519 | $226,967,000 | $149,000 | $942,000 | $96,000 | $700,000 |
| Application Withdrawn By Applicant | 435 | $71,468,000 | $164,000 | $900,000 | $101,000 | $1,366,000 |
| Application Approved But Not Accepted | 108 | $19,577,000 | $181,000 | $1,350,000 | $115,000 | $632,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 585 | $93,823,000 | $160,000 | $3,750,000 | $58,000 | $894,000 |
| Credit History | 582 | $62,161,000 | $106,000 | $641,000 | $67,000 | $300,000 |
| Other | 487 | $102,702,000 | $210,000 | $2,900,000 | $125,000 | $1,345,000 |
| Collateral | 223 | $41,173,000 | $184,000 | $3,500,000 | $109,000 | $1,132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 54 | $14,171,000 | $262,000 | $1,500,000 | $126,000 | $491,000 |
| Unverifiable Information | 35 | $6,254,000 | $178,000 | $1,578,000 | $84,000 | $518,000 |
| Employment History | 18 | $3,629,000 | $201,000 | $480,000 | $127,000 | $611,000 |
| Mortgage Insurance Denied | 7 | $1,048,000 | $149,000 | $215,000 | $76,000 | $135,000 |
| Credit Application Incomplete | 4 | $1,193,000 | $298,000 | $1,025,000 | $133,000 | $231,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security Service Federal Credit Union's 2016 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 Security Service Federal Credit Union'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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