Unlock detailed Orange County VT 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.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Vermont.
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 | 859 |
| Total Mortgage Loan Application Amount | $124,585,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $729,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| VERMONT STATE EMPLOYEES ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 752,375,000 | 102 | $ 12,040,000 |
| NORTHFIELD SAVINGS BANK 1021 PAINE TURNPIKE NORTH NORTHFIELD, VT 05602 |
* | $ 959,357,000 | 71 | $ 10,205,000 |
| NORTH COUNTRY PO BOX 64709 SOUTH BURLINGTON, VT 05406 |
* | $ 579,056,000 | 54 | $ 5,750,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 39 | $ 5,325,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 37 | $ 5,405,000 |
| BAR HARBOR BANK & TRUST 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 3,562,938,000 | 33 | $ 4,895,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,747,398,000,000 | 23 | $ 4,225,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 22 | $ 3,680,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 19 | $ 3,475,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 19 | $ 2,045,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 19 | $ 4,135,000 |
| COMMUNITY BANK, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 10,521,576,000 | 17 | $ 1,605,000 |
| ONE CREDIT UNION 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 153,788,000 | 17 | $ 825,000 |
| PEOPLE'S UNITED BANK 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 44,197,959,000 | 16 | $ 2,430,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 15 | $ 2,465,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 288,294,007,000 | 15 | $ 2,115,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 13 | $ 2,005,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 13 | $ 1,995,000 |
| UNION BANK 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 744,966,000 | 12 | $ 2,010,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 11 | $ 2,265,000 |
| NEW ENGLAND 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,225,247,000 | 11 | $ 1,815,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,751,524,000,000 | 10 | $ 1,330,000 |
| COLONIAL SAVINGS, F.A. P O BOX 2988 FORT WORTH, TX 76113 |
* | $ 969,487,000 | 10 | $ 1,200,000 |
| FBC MORTGAGE, LLC 189 S ORANGE AVE STE 970 TALLAHASSEE, FL 32801 |
* | $ -1,000 | 9 | $ 1,405,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 8 | $ 1,210,000 |
| HARBORONE MORTGAGE, LLC 1045 ELM ST SUITE 601 BOSTON, MA 03101 |
* | $ -1,000 | 8 | $ 1,680,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 6 | $ 810,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 6 | $ 1,100,000 |
| NORTHEAST HOME LOAN, LLC 25 MR ARTHUR DRIVE ST JOHNSBURY, VT 03466 |
* | $ -1,000 | 6 | $ 920,000 |
| BRIDGEVIEW BANK GROUP 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 6 | $ 1,160,000 |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKEWOOD 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,784,965,000 | 5 | $ 855,000 |
| MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ -1,000 | 5 | $ 785,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 5 | $ 905,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 5 | $ 955,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ -1,000 | 5 | $ 885,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 705,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 98,729,134,000 | 4 | $ 210,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 4 | $ 430,000 |
| SANTANDER BANK, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,450,413,000 | 4 | $ 210,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 4 | $ 480,000 |
| KITTREDGE MORTGAGE CORPORATION 123 BONNET STREET MANCHESTER, VT 05254 |
* | $ -1,000 | 4 | $ 440,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 4 | $ 260,000 |
| RESIDENTIAL MORTGAGE SERVICES, INC. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 4 | $ 530,000 |
| LENDUS, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 4 | $ 760,000 |
| WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 3 | $ 365,000 |
| BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 3 | $ 635,000 |
| VERMONT FEDERAL CREDIT UNION PO BOX 407 BURLINGTON, VT 05401 |
* | $ 513,282,000 | 3 | $ 565,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 3 | $ 485,000 |
| SERVICE FEDERAL CREDIT UNION 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 3,248,026,000 | 3 | $ 385,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 605,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 WILMINGTON, DE 30328 |
* | $ -1,000 | 3 | $ 535,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 3 | $ 335,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 3 | $ 485,000 |
| VILLAGE MORTGAGE COMPANY 30 TOWER LANE AVON, CT 06001 |
* | $ -1,000 | 2 | $ 450,000 |
| BANK OF NEW HAMPSHIRE 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,538,213,000 | 2 | $ 60,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 370,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 290,000 |
| J.G. WENTWORTH HOME LENDING, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 2 | $ 430,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 16,855,693,000 | 2 | $ 340,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 2 | $ 400,000 |
| MUTUAL OF OMAHA BANK 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 8,144,695,000 | 2 | $ 280,000 |
| FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 240,000 |
| NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 2 | $ 440,000 |
| MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE NEW YORK, NY 10577 |
* | $ 65,127,000,000 | 1 | $ 185,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ -1,000 | 1 | $ 185,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 22,858,876,000 | 1 | $ 45,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 1 | $ 235,000 |
| GATE CITY BANK 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 1 | $ 315,000 |
| LUSO FEDERAL CREDIT UNION 599 EAST ST LUDLOW, MA 01056 |
* | $ 218,380,000 | 1 | $ 125,000 |
| FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 2,764,317,000 | 1 | $ 115,000 |
| DIGITAL FEDERAL CREDIT UNION 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 8,273,309,000 | 1 | $ 155,000 |
| HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 185,000 |
| 802 CREDIT UNION INC. 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ 133,334,000 | 1 | $ 245,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 105,000 |
| PREMIUM MORTGAGE CORPORATION 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ -1,000 | 1 | $ 175,000 |
| FIRSTBANK 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 4,724,296,000 | 1 | $ 205,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| ENVOY MORTGAGE, LTD 5100 WESTHEIMER RD, STE 320 AUSTIN, TX 77056 |
* | $ -1,000 | 1 | $ 125,000 |
| TEXAS TECH FEDERAL CREDIT UNION 4005 98TH STREET LUBBOCK, TX 79423 |
* | $ 154,612,000 | 1 | $ 275,000 |
| CBC NATIONAL BANK 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 604,714,000 | 1 | $ 185,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ -1,000 | 1 | $ 285,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 185,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,384,707,000,000 | 1 | $ 305,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 145,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 105,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 1 | $ 175,000 |
| BANKUNITED, NATIONAL ASSOCIATION 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 30,280,467,000 | 1 | $ 175,000 |
| MAGNOLIA BANK, INCORPORATED 794 OLD ELIZABETHTOWN RD MAGNOLIA, KY 42748 |
* | $ 240,467,000 | 1 | $ 205,000 |
| MSA MORTGAGE, LLC 5 FREMONT STREET WINTHROP, MA 02152 |
* | $ -1,000 | 1 | $ 115,000 |
| LIVE WELL FINANCIAL, INC. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 45,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 1 | $ 95,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2018, 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.
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 | 423 | $72,455,000 | $171,000 | $685,000 | $86,000 | $729,000 |
| Cash-out Refinancing | 193 | $26,205,000 | $135,000 | $845,000 | $78,000 | $500,000 |
| Refinancing | 126 | $16,510,000 | $131,000 | $395,000 | $71,000 | $316,000 |
| Home Improvement | 70 | $5,050,000 | $72,000 | $505,000 | $85,000 | $571,000 |
| Other Purpose | 40 | $3,550,000 | $88,000 | $345,000 | $73,000 | $384,000 |
| Not Applicable | 7 | $815,000 | $116,000 | $175,000 | $57,000 | $57,000 |
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 | 665 | $96,715,000 | $145,000 | $845,000 | $79,000 | $729,000 |
| Not Provided | 110 | $14,910,000 | $135,000 | $345,000 | $94,000 | $680,000 |
| Not applicable | 67 | $10,755,000 | $160,000 | $445,000 | $64,000 | $95,000 |
| Hispanic | 7 | $875,000 | $125,000 | $195,000 | $80,000 | $102,000 |
| American Indian or Alaskan Native | 5 | $605,000 | $121,000 | $255,000 | $103,000 | $208,000 |
| Black or African American | 4 | $540,000 | $135,000 | $185,000 | $56,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $155,000 | $155,000 |
| Asian | 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) | 622 | $86,690,000 | $139,000 | $845,000 | $86,000 | $729,000 |
| FHA-insured (Federal Housing Administration) | 141 | $20,615,000 | $146,000 | $305,000 | $57,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 70 | $13,670,000 | $195,000 | $375,000 | $84,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,610,000 | $138,000 | $185,000 | $54,000 | $98,000 |
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 | 445 | $67,075,000 | $150,000 | $845,000 | $86,000 | $680,000 |
| Application Denied By Financial Institution | 164 | $20,260,000 | $123,000 | $505,000 | $66,000 | $500,000 |
| Application Withdrawn By Applicant | 115 | $17,125,000 | $148,000 | $685,000 | $90,000 | $729,000 |
| Loan Purchased By The Institution | 81 | $13,075,000 | $161,000 | $325,000 | $74,000 | $149,000 |
| File Closed For Incompleteness | 29 | $4,015,000 | $138,000 | $265,000 | $58,000 | $136,000 |
| Application Approved But Not Accepted | 25 | $3,035,000 | $121,000 | $485,000 | $81,000 | $177,000 |
| 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 | 695 | $104,325,000 | $150,000 | $845,000 | $85,000 | $729,000 |
| Credit History | 47 | $5,255,000 | $111,000 | $395,000 | $61,000 | $152,000 |
| Debt-To-Income Ratio | 47 | $5,735,000 | $122,000 | $505,000 | $43,000 | $262,000 |
| Collateral | 35 | $4,685,000 | $133,000 | $335,000 | $98,000 | $500,000 |
| Credit Application Incomplete | 13 | $2,215,000 | $170,000 | $275,000 | $81,000 | $143,000 |
| Other | 9 | $1,125,000 | $125,000 | $215,000 | $72,000 | $136,000 |
| Unverifiable Information | 9 | $685,000 | $76,000 | $145,000 | $57,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $560,000 | $140,000 | $195,000 | $42,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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.