A deed of trust is recorded when a loan closes. Every competitive dataset built from county recorder filings therefore starts at the moment of success and is blind to everything before it — the denials, the withdrawals, the files that died in underwriting. In Riverside County that blind spot is 41,651 applications. We see all of them, plus what every lender actually charged to close the ones that made it.
Riverside County, California, from the CFPB's 2025 public HMDA file — 90,517 applications. Every market produces the same report.
| Lender | Loans | Median cost to close | Points | Rate spread | vs market |
|---|---|---|---|---|---|
| SchoolsFirst FCU | 2,360 | $0 | $1,500 | +0.10 | 0.00× |
| U.S. Bank | 914 | $3,954 | $1,013 | +0.20 | 0.49× |
| JPMorgan Chase | 681 | $5,224 | $3,205 | +0.11 | 0.65× |
| Rocket Mortgage | 3,844 | $5,701 | $1,853 | +0.40 | 0.70× |
| United Wholesale Mortgage | 5,976 | $11,025 | $3,494 | +0.09 | 1.36× |
| Lennar Mortgage | 830 | $11,647 | $15,145 | −1.61 | 1.44× |
| DHI Mortgage | 914 | $13,914 | $5,299 | −1.54 | 1.72× |
| OCMBC | 1,109 | $15,402 | $2,151 | +0.57 | 1.90× |
Lennar books a median $15,145 in discount points at a rate spread of −1.61 — priced below the average prime offer rate. DHI charges $0 origination but $5,299 in points at −1.54. That is a forward commitment being bought down, quantified. It is why you keep losing those purchase deals on rate, and no deed record contains any of it.
OCMBC closes at a median $15,402 — 3.11% of the amount borrowed — while SchoolsFirst closes its members at zero. Same county, same year. That is a conversation you can only have with the whole table 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 report is generated for it — 2025 data, the current CFPB publication.
The full analytical report for one county — the same document shown above.
The same report across an entire state, every county rolled up. California alone is over a million applications.
The league table and segment splits as CSV, without the analytical report.
Separate league tables for purchase, refinance and cash-out, so you see who competes where.
Who actually closes non-conforming across a whole metro, at what cost and rate.
A full Market Intelligence Report for your market on every new CFPB publication cycle, with a change log of what moved.