# 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
- County pages: https://mortgagebycounty.com/counties/{state}/{county}/ — buyers, rates, loan costs, denials, top lenders, 2026 limits
- State pages: https://mortgagebycounty.com/states/{state}/
- Metro pages: https://mortgagebycounty.com/metros/
- Lender profiles: https://mortgagebycounty.com/lenders/ (2017 lenders)
- Loan limits: https://mortgagebycounty.com/loan-limits/
- 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.