Like-for-like state cohort
Compare market activity—not market quality.
Every row uses the same activity year, application-action denominator, and source pipeline. Volume and outcome differences also reflect population, housing stock, borrower, and product mix.
Activity year2024State-level profiles
Comparison contract
One denominator across every state.
Applications reported under HMDA action codes 1, 2, 3, 4, 5, 7, and 8; purchased loans are excluded. The change column applies that contract to 2023 and 2024.
Rows are ordered by state name, alphabetically.
State-level HMDA activity
51 two-year market profiles
51 of 51 states shown
Filters change only visible rows and columns. Year, geography, denominator, release kind, and alphabetical order stay locked.
Exports the 51 visible states, locked cohort, artifact hashes, official sources, and withheld-cell states as checksummed JSON. Search text itself is never included.
Scroll horizontally to inspect every visible measure →
| State | Applications | Applications vs 2023 | Originated | Denied | Home purchase | Cash-out refinance | Reporting lenders |
|---|---|---|---|---|---|---|---|
| AlabamaAL · State-level cohort | 189.8K189,776 | +7.0%from 177,303 | 55.1%104,584 | 21.0%39,905 | 53.9%102,297 | 14.9%28,208 | 974unique filers |
| AlaskaAK · State-level cohort | 17.7K17,730 | +10.2%from 16,082 | 59.8%10,605 | 15.6%2,767 | 55.2%9,792 | 15.7%2,780 | 260unique filers |
| ArizonaAZ · State-level cohort | 286.2K286,247 | +8.3%from 264,290 | 58.5%167,515 | 17.8%50,819 | 46.6%133,379 | 16.2%46,469 | 1,100unique filers |
| ArkansasAR · State-level cohort | 107.2K107,236 | +8.3%from 98,987 | 55.2%59,195 | 20.0%21,431 | 56.9%61,058 | 12.4%13,258 | 768unique filers |
| CaliforniaCA · State-level cohort | 929.5K929,472 | +15.8%from 802,963 | 55.0%511,270 | 19.4%180,539 | 42.1%390,860 | 18.3%169,834 | 1,141unique filers |
| ColoradoCO · State-level cohort | 242.3K242,294 | +5.3%from 230,046 | 59.1%143,205 | 17.3%41,927 | 48.0%116,243 | 15.1%36,705 | 1,094unique filers |
| ConnecticutCT · State-level cohort | 112.7K112,652 | +6.2%from 106,070 | 59.3%66,855 | 19.2%21,649 | 44.0%49,575 | 15.8%17,760 | 694unique filers |
| DelawareDE · State-level cohort | 42.1K42,099 | +9.6%from 38,429 | 57.7%24,306 | 20.4%8,600 | 47.1%19,819 | 16.1%6,769 | 537unique filers |
| District of ColumbiaDC · State-level cohort | 15.2K15,210 | -0.9%from 15,341 | 55.3%8,406 | 19.4%2,957 | 53.3%8,110 | 14.5%2,200 | 451unique filers |
| FloridaFL · State-level cohort | 921.3K921,349 | +1.0%from 912,497 | 51.7%476,451 | 22.5%207,409 | 51.2%471,750 | 16.8%154,326 | 2,029unique filers |
| GeorgiaGA · State-level cohort | 423.2K423,156 | +5.8%from 399,816 | 53.8%227,742 | 20.9%88,543 | 48.3%204,588 | 18.8%79,471 | 1,213unique filers |
| HawaiiHI · State-level cohort | 30.3K30,340 | +0.8%from 30,108 | 53.2%16,137 | 23.7%7,190 | 44.5%13,500 | 14.4%4,364 | 325unique filers |
| IdahoID · State-level cohort | 77.3K77,341 | +8.0%from 71,626 | 61.9%47,849 | 16.1%12,478 | 46.6%36,048 | 18.7%14,461 | 592unique filers |
| IllinoisIL · State-level cohort | 355.1K355,110 | +10.1%from 322,637 | 58.5%207,609 | 18.6%66,078 | 51.5%182,849 | 14.2%50,326 | 1,157unique filers |
| IndianaIN · State-level cohort | 260.7K260,745 | +9.1%from 238,957 | 62.4%162,760 | 17.9%46,589 | 46.7%121,639 | 17.7%46,139 | 976unique filers |
| IowaIA · State-level cohort | 99.3K99,314 | +5.9%from 93,738 | 68.2%67,749 | 13.4%13,306 | 51.4%51,088 | 11.9%11,834 | 757unique filers |
| KansasKS · State-level cohort | 85K85,039 | +10.1%from 77,243 | 63.6%54,091 | 15.9%13,548 | 51.4%43,743 | 14.6%12,385 | 736unique filers |
| KentuckyKY · State-level cohort | 154.5K154,465 | +7.1%from 144,281 | 57.7%89,103 | 20.3%31,287 | 52.7%81,367 | 13.9%21,539 | 858unique filers |
| LouisianaLA · State-level cohort | 121.8K121,830 | +0.1%from 121,664 | 51.2%62,375 | 24.0%29,234 | 59.5%72,465 | 13.3%16,177 | 686unique filers |
| MaineME · State-level cohort | 51.5K51,505 | +10.9%from 46,460 | 61.7%31,776 | 17.1%8,806 | 43.4%22,356 | 16.4%8,458 | 539unique filers |
| MarylandMD · State-level cohort | 206.2K206,195 | +12.0%from 184,025 | 56.7%116,985 | 19.8%40,736 | 45.4%93,520 | 17.6%36,264 | 829unique filers |
| MassachusettsMA · State-level cohort | 195.9K195,948 | +6.9%from 183,240 | 61.1%119,673 | 18.2%35,712 | 42.7%83,634 | 13.6%26,645 | 759unique filers |
| MichiganMI · State-level cohort | 350.4K350,442 | +8.7%from 322,251 | 58.8%206,123 | 19.6%68,679 | 45.4%159,165 | 15.9%55,863 | 966unique filers |
| MinnesotaMN · State-level cohort | 168.7K168,684 | +7.0%from 157,626 | 66.8%112,643 | 14.2%23,926 | 53.0%89,392 | 11.5%19,398 | 856unique filers |
| MississippiMS · State-level cohort | 95.8K95,822 | +5.5%from 90,846 | 51.8%49,623 | 24.3%23,281 | 55.7%53,343 | 12.2%11,678 | 677unique filers |
| MissouriMO · State-level cohort | 212.6K212,565 | +11.2%from 191,158 | 61.9%131,527 | 16.0%34,061 | 51.5%109,366 | 14.7%31,332 | 1,002unique filers |
| MontanaMT · State-level cohort | 32.1K32,093 | +12.2%from 28,613 | 60.6%19,445 | 16.6%5,336 | 48.7%15,631 | 16.8%5,394 | 534unique filers |
| NebraskaNE · State-level cohort | 57.9K57,893 | +10.4%from 52,452 | 66.3%38,356 | 14.3%8,266 | 52.0%30,105 | 13.2%7,656 | 545unique filers |
| NevadaNV · State-level cohort | 116.1K116,079 | +13.8%from 102,046 | 57.1%66,287 | 18.9%21,955 | 51.3%59,579 | 16.3%18,965 | 630unique filers |
| New HampshireNH · State-level cohort | 50.4K50,444 | +8.4%from 46,547 | 59.9%30,237 | 18.7%9,418 | 39.5%19,941 | 16.2%8,178 | 505unique filers |
| New JerseyNJ · State-level cohort | 290K290,004 | +10.8%from 261,700 | 54.1%156,859 | 20.1%58,375 | 42.1%121,953 | 16.9%48,934 | 885unique filers |
| New MexicoNM · State-level cohort | 68.2K68,165 | +13.7%from 59,966 | 53.7%36,602 | 19.7%13,434 | 56.5%38,490 | 15.8%10,784 | 581unique filers |
| New YorkNY · State-level cohort | 355.4K355,416 | +2.4%from 347,105 | 58.8%208,818 | 21.0%74,541 | 47.3%167,956 | 12.7%45,091 | 756unique filers |
| North CarolinaNC · State-level cohort | 445.4K445,420 | +4.6%from 425,826 | 57.7%256,790 | 19.2%85,548 | 49.1%218,807 | 14.3%63,605 | 1,255unique filers |
| North DakotaND · State-level cohort | 19K19,037 | +10.7%from 17,197 | 68.9%13,107 | 11.8%2,244 | 58.5%11,136 | 10.5%1,990 | 320unique filers |
| OhioOH · State-level cohort | 417.3K417,321 | +8.4%from 384,878 | 59.0%246,244 | 19.1%79,557 | 44.2%184,663 | 15.6%65,297 | 1,079unique filers |
| OklahomaOK · State-level cohort | 128.2K128,156 | +7.2%from 119,569 | 56.8%72,817 | 18.7%23,963 | 57.8%74,036 | 13.2%16,978 | 805unique filers |
| OregonOR · State-level cohort | 130.8K130,804 | +6.6%from 122,710 | 59.7%78,153 | 16.6%21,742 | 46.5%60,809 | 13.9%18,214 | 701unique filers |
| PennsylvaniaPA · State-level cohort | 409.3K409,274 | +4.4%from 391,939 | 60.1%246,029 | 20.1%82,238 | 40.5%165,725 | 14.6%59,593 | 1,139unique filers |
| Rhode IslandRI · State-level cohort | 38.9K38,882 | +8.2%from 35,931 | 58.4%22,713 | 21.0%8,159 | 36.5%14,178 | 16.0%6,220 | 433unique filers |
| South CarolinaSC · State-level cohort | 228K228,004 | +6.0%from 215,126 | 55.9%127,482 | 19.9%45,335 | 57.1%130,210 | 15.0%34,210 | 1,134unique filers |
| South DakotaSD · State-level cohort | 24.1K24,123 | +8.9%from 22,147 | 65.9%15,896 | 14.0%3,371 | 53.3%12,860 | 14.0%3,368 | 368unique filers |
| TennesseeTN · State-level cohort | 278.4K278,360 | +5.4%from 264,215 | 57.7%160,645 | 18.0%50,129 | 50.1%139,390 | 17.3%48,136 | 1,282unique filers |
| TexasTX · State-level cohort | 911.3K911,271 | +2.4%from 889,675 | 54.3%494,656 | 20.2%184,473 | 64.5%587,892 | 11.7%106,750 | 1,589unique filers |
| UtahUT · State-level cohort | 140.4K140,378 | +5.3%from 133,309 | 62.2%87,315 | 17.0%23,873 | 43.7%61,398 | 12.4%17,368 | 588unique filers |
| VermontVT · State-level cohort | 18.5K18,481 | +3.9%from 17,791 | 63.6%11,750 | 16.0%2,963 | 44.9%8,307 | 12.8%2,369 | 301unique filers |
| VirginiaVA · State-level cohort | 309.9K309,919 | +12.0%from 276,644 | 59.1%183,107 | 17.6%54,424 | 46.9%145,302 | 15.5%48,048 | 1,011unique filers |
| WashingtonWA · State-level cohort | 255.2K255,237 | +9.7%from 232,708 | 60.1%153,487 | 17.1%43,560 | 46.7%119,170 | 14.2%36,284 | 824unique filers |
| West VirginiaWV · State-level cohort | 49.7K49,690 | +4.2%from 47,676 | 54.6%27,148 | 22.7%11,271 | 57.2%28,400 | 14.4%7,134 | 547unique filers |
| WisconsinWI · State-level cohort | 202.4K202,383 | +8.4%from 186,779 | 67.9%137,362 | 14.7%29,743 | 41.5%84,087 | 15.8%31,969 | 925unique filers |
| WyomingWY · State-level cohort | 18.6K18,568 | +16.0%from 16,007 | 60.8%11,295 | 16.9%3,133 | 52.2%9,686 | 17.2%3,201 | 423unique filers |