Blog

Louisiana, Mississippi and West Virginia had the highest mortgage denial rates in the latest HMDA data — here's the full picture and why denial rates vary so much by state.

Conventional loans were about 80% of US mortgage originations in 2023, FHA 13% and VA 7%. Here's how the three programs differ and where each is most common.

HMDA is the public US dataset behind every mortgage-lending statistic by state. Here's what it records, who publishes it, and the questions it can — and can't — answer.

The Freddie Mac 30-year fixed averaged 6.47% in mid-June 2026, down from 6.81% a year earlier. Here's where rates sit, why, and what it means for buyers.

Debt-to-income, credit history and insufficient collateral are the leading reasons lenders deny mortgages. Here's what each means and how to reduce the risk.

Refinances made up just 24% of US mortgage originations in 2023 as rates stayed high. Here's the purchase-vs-refinance split and what it signals.