Mortgage applications, loans and denials by county: home purchase and refinance lending from HMDA

Version 2.0.0. CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). DOI https://doi.org/10.5281/zenodo.23963883

Credit line (CC BY 4.0 asks for credit and a link):
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.

Suggested citation:
Probative. (2026). Mortgage applications, loans and denials by county: home purchase and refinance lending from HMDA (Version 2.0.0) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.23963883

Not legal advice. Public HMDA figures for research and market planning; they describe applications reported by lenders, not any person's credit.
Probative is a marketing firm, not a law firm; not legal advice.

Human page: https://probativegrowth.com/data/mortgage-lending/

Columns:
  id: Stable record id (never reused)
  jurisdiction: Two-letter state code, or US
  level: us, state, county or former-county
  year: 
  applications: Applications with an action of originated, approved not accepted or denied
  originations: Loans originated
  denials: Applications denied
  denial_rate: Denied / applications, percent
  originated_dollars: Dollar amount of loans originated
  applications_purchase: 
  originations_purchase: 
  denials_purchase: 
  applications_refinance: 
  originations_refinance: 
  denials_refinance: 
  applications_cash_out_refinance: 
  originations_cash_out_refinance: 
  denials_cash_out_refinance: 
  text: The record in one plain-English sentence
  lastChecked: The day it was last confirmed (YYYY-MM-DD)
  confidence: high, medium or low: computed from status, a second check, age against the refresh cadence and sampling error (rule: /data/#confidence)
  confidenceBasis: The reasons for the confidence level, in a short phrase
  county: County FIPS code as HMDA reports it (in mortgage-lending-values.csv, as id, column and value rows)
  countyName:  (in mortgage-lending-values.csv, as id, column and value rows)
  stateName:  (in mortgage-lending-values.csv, as id, column and value rows)
  originations_prior_year: Loans originated the year before (state and US rows) (in mortgage-lending-values.csv, as id, column and value rows)
  priorYear:  (in mortgage-lending-values.csv, as id, column and value rows)
  note: Caveats (in mortgage-lending-values.csv, as id, column and value rows)