# Mortgage by County

> Independent statistics on what U.S. home buyers actually borrowed, earned and paid, computed from the HMDA 2025 public loan/application register (FFIEC/CFPB, released 2026-06-23), plus official 2026 FHFA conforming and HUD FHA loan limits for all 3144 counties.

Key national figures (2025 home-purchase loans, owner-occupied single-family, first lien): median loan $335000, median financed home value $395000, median buyer income $116000, median CLTV 90%, median 30-year fixed conventional rate 6.625%, median conventional total loan costs $5570, purchase denial rate 8.5%.

## Pages
- State reports, each linking to all its counties: https://mortgagebycounty.com/states/
- County reports (buyers, rates, loan costs, denials, top lenders, 2026 limits) for the 589 counties with at least 1,000 home-purchase loans: listed in https://mortgagebycounty.com/sitemap.xml
- Metro areas: https://mortgagebycounty.com/metros/ (106 multi-county metros with at least 5,000 home-purchase loans in the sitemap)
- Lenders compared: https://mortgagebycounty.com/lenders/ (282 lenders with at least 2,000 loans in the sitemap)
- 2026 loan limits by state: https://mortgagebycounty.com/loan-limits/
- Rankings: https://mortgagebycounty.com/rankings/
- Guides: https://mortgagebycounty.com/guides/
- Methodology: https://mortgagebycounty.com/methodology/
- Sources and checksums: https://mortgagebycounty.com/sources/

## Data
- https://mortgagebycounty.com/downloads/counties-2025.csv
- https://mortgagebycounty.com/downloads/states-2025.csv
- https://mortgagebycounty.com/downloads/metros-2025.csv
- https://mortgagebycounty.com/downloads/lenders-2025.csv
License for derived tables: CC BY 4.0 (credit Mortgage by County). HMDA records are public domain.

## Caveats
Figures are medians of 2025 loans, not offers or quotes. HMDA has no credit scores; lender differences partly reflect borrowers. HMDA data alone cannot determine fair-lending compliance.