Every lender that originated in your market, ranked by volume — with their median note rate, LTV, purchase-versus-refi mix and jumbo activity. Built entirely from the CFPB's public HMDA record. No credit data, no trigger leads, no borrower files, nothing to upload.
This is real output for Riverside County, California — generated from the CFPB's 2024 public HMDA file. Every market we cover produces the same structure.
| # | Lender | Loans | Volume | Share | Med. rate | |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | 6,085 | $2.85B | 14.41% | 6.490% | |
| 2 | Rocket Mortgage | 3,345 | $1.26B | 6.39% | 6.750% | |
| 3 | loanDepot.com | 1,616 | $671.6M | 3.40% | 6.375% | |
| 4 | DHI Mortgage Company | 998 | $524.9M | 2.66% | 5.500% | |
| 5 | Lennar Mortgage | 1,023 | $501.6M | 2.54% | 5.625% | |
| 6 | JPMorgan Chase Bank, N.A. | 619 | $459.9M | 2.33% | 6.500% | |
| 7 | KBHS Home Loans | 827 | $421.0M | 2.13% | 5.875% | |
| 8 | U.S. Bank, N.A. | 985 | $374.6M | 1.90% | 7.750% |
DHI, Lennar and KBHS all sit 60–100 basis points under the market median. That is forward commitment money, and it tells you exactly which purchase deals you cannot win on price — and which ones nobody is subsidising.
A 7.750% median overall, yet second in non-conforming volume. Rate is not what is winning those files. That is a competitive opening you can only see with the whole market in front of you.
The Homebuyers Privacy Protection Act took effect 4 March 2026. Trigger leads are now restricted to the current originator, the current servicer, or a depository holding a current account for that consumer. There is no affiliate exception.
Buy prescreened mortgage-inquiry lists from the bureaus. Take a past-client book from a former employer into a personal tool — that is the lender's nonpublic personal information under Reg P, and courts have consistently treated the export as misappropriation regardless of whether the underlying facts appear in public records.
Public HMDA never contained borrower names or property addresses, and loan amounts are published at the midpoint of a $10,000 band. It cannot identify a borrower, so there is nothing to safeguard, no contract you need your employer to sign, and no list anyone can accuse you of taking. It is market intelligence, and it is yours to buy as an individual.
Any of the 3,143 US counties, any metro, any state. You name the market at checkout and the dataset is generated for it.
The full league table for one county.
Separate league tables for purchase, refinance and cash-out, so you see who competes where rather than in aggregate.
Who actually closes non-conforming across a whole metro, at what rate and LTV.
The complete competitive picture for one state, with every county rolled up.
Any three states, plus a cross-state comparison of lender footprints and rate positioning.
Your market, refreshed every CFPB publication cycle, with a change log of what moved.