Annual mortgage-credit intelligence from the Home Mortgage Disclosure Act loan-application aggregates served by the keyless CFPB Data Browser API v2: one row per year per state (50 states + DC, 2018-2024). Each row carries originated and denied application counts and loan volumes, split by loan purpose (purchase / refinance including cash-out / home improvement / other), plus derived signals: the denial rate (underwriting tightness), the refinance share of originations (rate sensitivity), purpose-level denial rates, the average originated loan amount, exact year-over-year changes (null for 2018, never interpolated), and the same three signals on the national aggregate as backdrop. Method: one server-side aggregation call per (state, year) plus one nationwide call per year; fail-loud grid and group-identity gates; deterministic 16-hex row hashes. Caveats: the purpose split excludes the ~0.1% of records with unreported loan purpose; HMDA covers reporting institutions only (small lenders exempt); figures are CFPB resubmission-adjusted and can revise. HMDA data are a U.S. federal government work in the public domain (17 U.S.C. 105), free to use with no authentication.

Les titres et les descriptions proviennent des sources de données, en anglais.

Source: CFPB / FFIEC
Lignes: 357
Colonnes: 31
Cadence de la source: Annuelle
Dernière actualisation: 2 oct. 2026
Thème: housing

Colonne	Type	Description
country_code	string	ISO alpha-3 country code (USA for every row). (unit: ISO 3166-1 alpha-3)
year	integer	HMDA reporting year (annual vintage).
state_code	string	USPS 2-letter state code (50 states + DC).
state_name	string	State name.
originated_count	integer	Loans originated (HMDA action_taken=1), summed over the five reported loan purposes. Excludes the ~0.1% of records with unreported loan purpose. (unit: count)
originated_volume_usd	float	Sum of originated loan amounts, in US dollars. (unit: USD)
denied_count	integer	Applications denied (HMDA action_taken=3), summed over the five reported loan purposes. (unit: count)
denied_volume_usd	float	Sum of requested loan amounts on denied applications, in US dollars. (unit: USD)
denial_rate_pct	float	Denied / (originated + denied) * 100 — the underwriting-tightness read for the state-year. (unit: percent)
purchase_count	integer	Originated home-purchase loans (loan_purpose=1). (unit: count)
purchase_volume_usd	float	Originated home-purchase loan volume, in US dollars. (unit: USD)
refinance_count	integer	Originated refinance loans: standard refinancing (loan_purpose=31) plus cash-out refinancing (loan_purpose=32). (unit: count)
refinance_volume_usd	float	Originated refinance loan volume (31+32), in US dollars. (unit: USD)
improvement_count	integer	Originated home-improvement loans (loan_purpose=2). (unit: count)
improvement_volume_usd	float	Originated home-improvement loan volume, in US dollars. (unit: USD)
other_purpose_count	integer	Originated loans with other purpose (loan_purpose=4). (unit: count)
other_purpose_volume_usd	float	Originated other-purpose loan volume, in US dollars. (unit: USD)
refinance_share_pct	float	Refinance originations / all originations * 100 — the rate-sensitivity read (collapses when rates rise). (unit: percent)
purchase_share_pct	float	Purchase originations / all originations * 100. (unit: percent)
purchase_denial_rate_pct	float	Denied / (originated + denied) * 100 among home-purchase applications. (unit: percent)
refinance_denial_rate_pct	float	Denied / (originated + denied) * 100 among refinance applications (31+32). (unit: percent)
avg_loan_amount_usd	float	Originated volume / originated count — the average originated loan size. (unit: USD)
originated_count_yoy_pct	float	Year-over-year percent change in originated count, computed only against the exact prior year for the same state. Null for 2018 (never interpolated). (unit: percent)
originated_volume_yoy_pct	float	Year-over-year percent change in originated volume, same-state exact prior year. Null for 2018. (unit: percent)
denial_rate_yoy_pp	float	Year-over-year change in the denial rate, in percentage points. Null for 2018. (unit: percentage points)
national_denial_rate_pct	float	The denial rate on the nationwide aggregate that year — backdrop for the state read. (unit: percent)
national_refinance_share_pct	float	The refinance share on the nationwide aggregate that year. (unit: percent)
national_avg_loan_amount_usd	float	The average originated loan amount on the nationwide aggregate that year. (unit: USD)
as_of	string	Fetch date (ISO) of the snapshot build. (unit: ISO date)
source_url	string	The CFPB Data Browser API documentation URL. (unit: URL)
row_hash	string	Deterministic 16-hex SHA-256 of 'HMDA\|year\|state_code' — stable row identity across snapshots.

10 premières lignes d’exemple — un aperçu, pas le jeu de données complet.

country_code	year	state_code	state_name	originated_count	originated_volume_usd	denied_count	denied_volume_usd	denial_rate_pct	purchase_count	purchase_volume_usd	refinance_count	refinance_volume_usd	improvement_count	improvement_volume_usd	other_purpose_count	other_purpose_volume_usd	refinance_share_pct	purchase_share_pct	purchase_denial_rate_pct	refinance_denial_rate_pct	avg_loan_amount_usd	originated_count_yoy_pct	originated_volume_yoy_pct	denial_rate_yoy_pp	national_denial_rate_pct	national_refinance_share_pct	national_avg_loan_amount_usd	as_of	source_url	row_hash
USA	2 024	AK	Alaska	10 603	3 530 205 000	2 767	582 255 000	20,7	7 145	2 694 165 000	2 103	613 565 000	589	61 105 000	766	161 370 000	19,83	67,39	7,56	32,83	332 943,98	11,41	14,88	0,02	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	73e76b22771acd26
USA	2 024	AL	Alabama	104 570	23 836 040 000	39 899	5 897 895 000	27,62	61 667	16 085 195 000	25 578	6 069 360 000	7 578	651 400 000	9 747	1 030 085 000	24,46	58,97	20,73	30,33	227 943,39	9,05	8,61	-0,79	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	c343f684c15b2065
USA	2 024	AR	Arkansas	59 190	12 995 820 000	21 429	2 771 105 000	26,58	36 020	9 219 970 000	12 941	2 875 865 000	4 740	387 330 000	5 489	512 655 000	21,86	60,85	20,37	28,94	219 561,07	8,84	12,93	-1,08	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	72a42680be557f77
USA	2 024	AZ	Arizona	167 479	58 943 155 000	50 813	11 804 585 000	23,28	93 109	38 699 325 000	40 488	16 106 040 000	15 373	1 833 745 000	18 509	2 304 045 000	24,17	55,59	11,27	27,53	351 943,56	12,92	18,48	-2,45	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	a04de8ddf88f233c
USA	2 024	CA	California	510 822	288 502 280 000	180 484	61 178 800 000	26,11	261 993	182 895 805 000	144 071	85 056 475 000	52 428	9 345 690 000	52 330	11 204 310 000	28,2	51,29	12,06	28,98	564 780,45	17,87	24,76	-1,69	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	8da7a80cb23e7d53
USA	2 024	CO	Colorado	143 182	59 521 210 000	41 924	10 203 700 000	22,65	79 809	40 048 475 000	33 335	15 164 275 000	13 080	1 698 090 000	16 958	2 610 370 000	23,28	55,74	11,31	29,31	415 703,16	5,74	12,71	-0,05	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	704c6873ebfe3cdb
USA	2 024	CT	Connecticut	66 852	21 735 670 000	21 648	4 707 480 000	24,46	35 150	14 112 260 000	15 801	5 381 975 000	8 122	1 091 140 000	7 779	1 150 295 000	23,64	52,58	11,13	30,6	325 131,19	6,13	10,48	0,05	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	699a06d2c5379ee2
USA	2 024	DC	District of Columbia	8 403	5 854 935 000	2 956	1 506 800 000	26,02	5 466	4 054 360 000	1 814	1 505 130 000	649	170 275 000	474	125 170 000	21,59	65,05	11,11	35,08	696 767,23	-2,47	-4,14	0,25	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	f9bea31f5f0bd436
USA	2 024	DE	Delaware	24 299	7 017 475 000	8 596	1 596 720 000	26,13	13 681	4 766 175 000	5 732	1 714 820 000	2 632	280 970 000	2 254	255 510 000	23,59	56,3	13,94	31,3	288 796,86	11,02	7,89	-0,73	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	75547b63ea12e1aa
USA	2 024	FL	Florida	476 120	170 785 070 000	207 307	49 456 745 000	30,33	299 894	120 232 870 000	97 965	38 407 455 000	36 230	4 863 110 000	42 031	7 281 635 000	20,58	62,99	17,44	38,27	358 701,73	2,19	8,09	-1,07	25,34	23,71	328 647,71	2026-10-02	https://ffiec.cfpb.gov/documentation/api/data-browser/	283f6b469f70074e

2 oct. 2026Actuelle
20261002T163459Z-b9f2a7cbb398 · sha256 b9f2a7cbb398…
357 lignes · premier instantané

Dirigez n’importe quel LLM vers le point d’accès des métadonnées — la documentation ci-dessus est aussi lisible par machine (JSON-LD + Croissant).

cURL

curl "https://datazimuts.com/v1/datasets/hmda_mortgage_lending_intel/us_mortgage_lending_state_annual" | jq '{title, rows, columns_count, license}'

Python

import requests

ds = requests.get("https://datazimuts.com/v1/datasets/hmda_mortgage_lending_intel/us_mortgage_lending_state_annual").json()
print(ds["title"], ds["rows"], "rows")

# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
    print(row)

Point d’accès API : https://datazimuts.com/v1/datasets/hmda_mortgage_lending_intel/us_mortgage_lending_state_annual

Astuce : récupérez /llms.txt pour le catalogue complet lisible par machine.

D’où viennent ces données et ce qui en a été fait. Le travail des autres apparaît sous forme de décomptes ; seuls les projets partagés sont nommés.

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APA

CFPB / FFIEC. (2026). US mortgage lending by state, annual (HMDA) [Data set, snapshot 20261002T163459Z-b9f2a7cbb398, sha256 b9f2a7cbb398]. Datazimuts. Retrieved 2026-10-04, from https://datazimuts.com/fr/datasets/hmda_mortgage_lending_intel/us_mortgage_lending_state_annual?snapshot=20261002T163459Z-b9f2a7cbb398

BibTeX

@misc{dz_hmda_mortgage_lending_intel_us_mortgage__b9f2a7cb,
  title        = {{US mortgage lending by state, annual (HMDA)}},
  author       = {{CFPB / FFIEC}},
  year         = {2026},
  publisher    = {Datazimuts},
  howpublished = {\url{https://datazimuts.com/fr/datasets/hmda_mortgage_lending_intel/us_mortgage_lending_state_annual?snapshot=20261002T163459Z-b9f2a7cbb398}},
  note         = {Snapshot 20261002T163459Z-b9f2a7cbb398, sha256 b9f2a7cbb398d183d602a92c7a37fea6350ab1fa98d9ed4f74a68fce5aee9e4b; accessed 2026-10-04}
}

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<iframe src="https://datazimuts.com/embed/chart?dataset=hmda_mortgage_lending_intel%2Fus_mortgage_lending_state_annual&lang=fr&theme=auto&snapshot=20261002T163459Z-b9f2a7cbb398&x=year&y=year&agg=avg" title="US mortgage lending by state, annual (HMDA)" width="100%" height="380" style="border:0" loading="lazy"></iframe>

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