table,row,applications_2025,originations_2025,origination_volume_usd_2025,median_loan_amount_usd_2025,denial_rate_pct_2025,third_party_application_share_pct_2025,applications_2024,originations_2024,denial_rate_pct_2024
loan category,Home purchase,150394,101472,27914320000,235000,15.5,19.2,147710,100641,15.0
loan category,Refinance,38334,22909,6930235000,255000,16.4,25.1,24108,13824,18.9
loan category,Cash-out refinance,45672,21936,4788340000,185000,31.2,16.0,40065,19047,32.2
loan category,Home equity line of credit,83611,46042,5281160000,85000,30.1,4.7,74638,39482,33.5
loan category,Closed-end home equity loan,33651,20205,1441505000,55000,27.3,5.1,33278,18807,31.5
loan category,"Home improvement and other, first lien",12351,5830,935950000,95000,34.4,3.0,12218,5648,37.6
loan category,All consumer lending,364013,218394,47291510000,,22.6,14.2,332017,197449,24.0
"denial reason, all consumer denials",Debt-to-income ratio,,,,,37.2,,,,
"denial reason, all consumer denials",Employment history,,,,,2.4,,,,
"denial reason, all consumer denials",Credit history,,,,,35.6,,,,
"denial reason, all consumer denials",Collateral,,,,,18.1,,,,
"denial reason, all consumer denials",Not enough cash for closing,,,,,8.1,,,,
"denial reason, all consumer denials",Information could not be verified,,,,,5.3,,,,
"denial reason, all consumer denials",Application incomplete,,,,,13.2,,,,
"denial reason, all consumer denials",Mortgage insurance denied,,,,,0.0,,,,
"denial reason, all consumer denials",Other,,,,,13.0,,,,
"denial reason, core home purchase",Debt-to-income ratio,,,,,41.6,,,,
"denial reason, core home purchase",Employment history,,,,,3.9,,,,
"denial reason, core home purchase",Credit history,,,,,42.1,,,,
"denial reason, core home purchase",Collateral,,,,,11.0,,,,
"denial reason, core home purchase",Not enough cash for closing,,,,,22.4,,,,
"denial reason, core home purchase",Information could not be verified,,,,,5.2,,,,
"denial reason, core home purchase",Application incomplete,,,,,7.1,,,,
"denial reason, core home purchase",Mortgage insurance denied,,,,,0.1,,,,
"denial reason, core home purchase",Other,,,,,15.7,,,,
"denial reason, home equity",Debt-to-income ratio,,,,,41.3,,,,
"denial reason, home equity",Employment history,,,,,2.0,,,,
"denial reason, home equity",Credit history,,,,,36.5,,,,
"denial reason, home equity",Collateral,,,,,19.3,,,,
"denial reason, home equity",Not enough cash for closing,,,,,0.3,,,,
"denial reason, home equity",Information could not be verified,,,,,5.5,,,,
"denial reason, home equity",Application incomplete,,,,,13.5,,,,
"denial reason, home equity",Mortgage insurance denied,,,,,0.0,,,,
"denial reason, home equity",Other,,,,,11.8,,,,
"DTI, core home purchase, share of originated",Under 30%,,17866,,,,,,,
"DTI, core home purchase, share of denied",Under 30%,2895,,,,,,,,
"DTI, core home purchase, share of originated",30% to 35%,,16128,,,,,,,
"DTI, core home purchase, share of denied",30% to 35%,1731,,,,,,,,
"DTI, core home purchase, share of originated",36% to 43%,,28543,,,,,,,
"DTI, core home purchase, share of denied",36% to 43%,2788,,,,,,,,
"DTI, core home purchase, share of originated",44% to 49%,,21997,,,,,,,
"DTI, core home purchase, share of denied",44% to 49%,2570,,,,,,,,
"DTI, core home purchase, share of originated",50% to 60%,,4906,,,,,,,
"DTI, core home purchase, share of denied",50% to 60%,3005,,,,,,,,
"DTI, core home purchase, share of originated",Over 60%,,248,,,,,,,
"DTI, core home purchase, share of denied",Over 60%,3869,,,,,,,,
"loan type, core home purchase",Conventional,,72871,,,,,,73253,
"loan type, core home purchase",FHA,,13383,,,,,,12635,
"loan type, core home purchase",VA,,5591,,,,,,5072,
"loan type, core home purchase",USDA,,639,,,,,,786,