cff-version: 1.2.0
message: "If you use this dataset, please cite it as: Probative Growth, Mortgage applications, loans and denials by county: home purchase and refinance lending from HMDA, 2026, https://doi.org/10.5281/zenodo.23963883. Source: Probative, Mortgage applications, loans and denials by county: home purchase and refinance lending from HMDA, version 2.0.0, https://doi.org/10.5281/zenodo.23963883, licensed CC BY 4.0."
type: dataset
title: "Mortgage applications, loans and denials by county: home purchase and refinance lending from HMDA"
authors:
  - name: "Probative Growth"
    website: "https://probativegrowth.com"
version: "2.0.0"
date-released: 2026-11-04
doi: 10.5281/zenodo.23963883
url: "https://probativegrowth.com/data/mortgage-lending/"
license: CC-BY-4.0
abstract: "How many home-purchase, refinance and cash-out refinance applications lenders reported under the Home Mortgage Disclosure Act in each county, state and the nation, how many became loans (with the dollar amount) and how many were denied, with the denial rate. State and US rows add the year before."
keywords:
  - "mortgage denial rate by county"
  - "HMDA data by county"
  - "home purchase loans by county"
  - "refinance applications by state"
  - "real estate lawyer market data"