Independent lender & mortgage intelligence

Research the lender. Understand the market. Compare the offer.

LenderTrustHub connects institution identity to licensing, HMDA market activity, consumer complaints, regulatory actions, depository context, and state homebuyer programs—where official sources support it.

No Trust Score. No ranking. You decide.

Research a lender Explore state intelligence See the evidence inventory →

Official public evidence · Source-native grains · Freshness shown per source

Research lenders

What do you want to find out?

Up to 180 characters. Longer requests are rejected without shortening identifiers.

This is not a chatbot. Natural language is mapped to a structured query plan. Institution results come from committed HMDA observations and confirmed identity bridges — not invented answers.

Which lenders originated the most mortgages in Florida?Which lenders received the most applications for properties in Broward County?Compare Broward and Palm Beach mortgage activity How many applications are for properties in Florida?Which lenders originated the most FHA mortgages in Florida?Which lenders have the lowest rates today?

Advanced filters

HMDA actionLoan typeProperty geography

HMDA geography describes mortgaged-property activity—not lender headquarters, branches, licensing, or service territory.

Beyond a lender directory

Eight evidence layers. Different questions. Separate grains.

A profile is an entry point. The research product is the official evidence connected around that identity.

01Institution identity & licensing13 traceable measures 02Mortgage market activity7 traceable measures 03Consumer complaint evidence10 traceable measures 04Regulatory & enforcement history8 traceable measures 05Depository & bank context4 traceable measures 06Homebuyer & program intelligence5 traceable measures 07Business & relationship evidence1 traceable measures 08Public research surfaces2 traceable measures

An application is not a lender. A complaint is not a finding. An enforcement record is not a criminal conviction. Missing evidence is not zero.

Network scale

Large official datasets—without a fake grand total

Each headline stays in its own source-native grain. These figures must not be added together.

14,623

Lending institution entities

canonical institution entity

Trace this measure

Canonical institution entities in the accepted identity graph.

Grain: canonical institution entity
Geography: United States and reported jurisdictions
Source: LenderTrustHub identity graph
Source clock: varies by contributing source
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Canonical institution entities in the accepted identity graph.
Does not count: Branches, MLO people, applications, or a census of every licensed company.

Open related research →

11,529,787

HMDA applications

county-grain HMDA application observation

Trace this measure

Reported 2025 applications aggregated from the accepted county-grain extract.

Grain: county-grain HMDA application observation
Geography: United States and reported jurisdictions
Source: HMDA / FFIEC
Vintage: HMDA 2025
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Reported 2025 applications aggregated from the accepted county-grain extract.
Does not count: Lenders, approvals, offers, or a quality measure.

Open related research →

6,793,253

HMDA originations

county-grain HMDA origination observation

Trace this measure

Reported 2025 originations in the accepted county-grain extract.

Grain: county-grain HMDA origination observation
Geography: United States and reported jurisdictions
Source: HMDA / FFIEC
Vintage: HMDA 2025
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Reported 2025 originations in the accepted county-grain extract.
Does not count: Unique borrowers, lenders, or evidence that a lender is better.

Open related research →

458,146

CFPB mortgage complaints

CFPB mortgage complaint observation

Trace this measure

Mortgage-scoped consumer complaint observations in the accepted snapshot.

Grain: CFPB mortgage complaint observation
Geography: United States and reported jurisdictions
Source: CFPB Consumer Complaint Database
Source clock: Snapshot observed 2026-08-26
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Mortgage-scoped consumer complaint observations in the accepted snapshot.
Does not count: Proven violations, findings, complaint rates, or a risk score.

Open related research →

17,655

Federal enforcement events

federal enforcement event

Trace this measure

Source-native federal enforcement events in the accepted network contract.

Grain: federal enforcement event
Geography: United States and reported jurisdictions
Source: Accepted federal enforcement sources
Source clock: varies by source event
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Source-native federal enforcement events in the accepted network contract.
Does not count: Criminal convictions, complaints, or proof of present license status.

Open related research →

Identity is infrastructure

One institution can appear under several official identifiers

We connect identifiers only when accepted evidence supports the relationship. There is no fabricated universal crosswalk.

Lender / institution research identityEvidence-connected only when the accepted crosswalk is exact or deterministic

NMLS institutionCompany identifier

State license / credentialRegulator identifier

HMDA LEIMarket reporter identifier

FDIC CERTInsured depository identifier

Branch NMLSBranch identifier

MLO NMLSIndividual originator identifier

No universal crosswalk: relationships are shown only when accepted evidence supports an exact or deterministic crosswalk.

Separate: NMLS institution ≠ branch NMLS · NMLS institution ≠ MLO NMLS · HMDA LEI ≠ NMLS ID · FDIC CERT ≠ NMLS ID · bank ≠ all lenders.

Safe attribution: exact official identifiers are preferred for adverse evidence. Ambiguous name-only matches remain aggregate or withheld.

Full public evidence inventory

What the homepage can substantiate today

Built from accepted national and state artifacts. Unknown sources are labeled; internal graph and private MLO measures are excluded.

Evidence family

Institution identity & licensing

14,623

Lending institution entities

canonical institution entity · United States and reported jurisdictions

Source clock varies by contributing source

Trace this measure

Canonical institution entities in the accepted identity graph.

Grain: canonical institution entity
Geography: United States and reported jurisdictions
Source: LenderTrustHub identity graph
Source clock: varies by contributing source
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Canonical institution entities in the accepted identity graph.
Does not count: Branches, MLO people, applications, or a census of every licensed company.

Open related research →

6,641

NMLS institution identifiers

NMLS institution identifier · United States and reported jurisdictions

Source clock varies by contributing source

Trace this measure

Distinct institution-level NMLS identifiers in the accepted graph.

Grain: NMLS institution identifier
Geography: United States and reported jurisdictions
Source: NMLS-derived accepted identity graph
Source clock: varies by contributing source
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Distinct institution-level NMLS identifiers in the accepted graph.
Does not count: Branch NMLS IDs, MLO NMLS IDs, state license rows, or unique corporate organizations.

Open related research →

6,392

Florida approved company credentials

approved MBR/MLD credential row · Florida

Source as of 2026-08-30

Trace this measure

Current approved Chapter 494 company credential rows.

Grain: approved MBR/MLD credential row
Geography: Florida
Source: Florida Office of Financial Regulation
Source as of: 2026-08-30
Snapshot generated: 2026-08-30T16:22:07.696760+00:00
Accepted artifact: data/home/lender-metric-census-r2-03.json
Counts: Approved MBR and MLD credential rows.
Does not count: Unique companies, branches, MLOs, service areas, or endorsements.

Identity rule: State credential rows join to institutions only through confirmed NMLS identity.

Open related research →

21,865

Colorado DRE Mortgage Loan Originator rows

person MLO license row · Colorado

Source as of 2026-09-09

Retrieved 2026-09-09

Trace this measure

Person-grain DRE MLO license rows in the accepted CIM extract.

Grain: person MLO license row
Geography: Colorado
Source: Colorado Division of Real Estate
Source as of: 2026-09-09
Retrieved: 2026-09-09
Accepted artifact: lib/colorado-intelligence/accepted-snapshot.json
Counts: MLO license rows, separately from companies, HMDA, and complaints.
Does not count: Lenders, branches, NMLS Individual IDs, or a public person directory.

Identity rule: CO-DORA:MLO:{licenseNumber}. License number is not inferred as NMLS Individual ID.

Open related research →

Coverage limitation

Not acquired

Colorado mortgage-company registration roster

potential NMLS company registration · Colorado

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

No current public bulk company-registration roster was acquired.

Grain: potential NMLS company registration
Geography: Colorado
Source: Colorado DRE / NMLS
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-09T17:49:51Z
Accepted artifact: lib/colorado-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies, MLO people, or a lender census.

Identity rule: Future company attachment requires exact NMLS Company ID.

Open related research →

1,257

Virginia SCC 2025 dated mortgage-company rows

dated SCC company-licensee row · Virginia

Source as of 2025-12-31

Retrieved 2026-09-10

Trace this measure

Dated official company-licensee rows as of 2025-12-31.

Grain: dated SCC company-licensee row
Geography: Virginia
Source: Virginia SCC Bureau of Financial Institutions
Source as of: 2025-12-31
Retrieved: 2026-09-10
Accepted artifact: lib/virginia-intelligence/accepted-snapshot.json
Counts: List rows with exact MC and NMLS identifiers.
Does not count: Current 2026 licenses, unique consumer lenders, MLOs, or offices.

Identity rule: VA-SCC-BFI:{MC} and NMLS:{id} when SCC prints both. Name-only fill is forbidden.

Open related research →

Coverage limitation

Not acquired

Virginia current 2026 mortgage-company roster

potential current NMLS company registration · Virginia

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

Current 2026 license status was not bulk-acquired. SCC points current records to NMLS Consumer Access.

Grain: potential current NMLS company registration
Geography: Virginia
Source: NMLS Consumer Access
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-10T16:40:00Z
Accepted artifact: lib/virginia-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies or that the 2025 dated list is current.

Identity rule: Current verification requires an exact NMLS Company ID search.

Open related research →

151

New York DFS 2024 licensed mortgage bankers

dated DFS class aggregate · New York

Source as of 2024-12-31

Retrieved 2026-09-11

Trace this measure

Dated end-of-2024 licensed mortgage banker aggregate.

Grain: dated DFS class aggregate
Geography: New York
Source: NYDFS 2024 Annual Report
Source as of: 2024-12-31
Retrieved: 2026-09-11
Accepted artifact: lib/new-york-intelligence/accepted-snapshot.json
Counts: One DFS class aggregate, not brokers, servicers, or MLOs.
Does not count: Current 2026 licensees, unique consumer lenders, or 151+439.

Identity rule: NMLS Company ID when source-native. Name-only fill is forbidden.

Open related research →

Coverage limitation

Not acquired

New York current 2026 mortgage-company roster

potential current NMLS company registration · New York

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

No clean official bulk current company roster was acquired.

Grain: potential current NMLS company registration
Geography: New York
Source: NYDFS / NMLS Consumer Access
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-11T18:00:00Z
Accepted artifact: lib/new-york-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies or that the 2024 aggregates are current.

Identity rule: Current verification requires NYDFS + NMLS Consumer Access.

Open related research →

Coverage limitation

Not acquired

Illinois current mortgage-company roster

potential current NMLS company registration · Illinois

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

No bulk current Illinois mortgage-company roster was acquired.

Grain: potential current NMLS company registration
Geography: Illinois
Source: IDFPR / NMLS Consumer Access
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-12T13:37:08Z
Accepted artifact: lib/illinois-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies or that HMDA/FDIC counts are that census.

Identity rule: Current verification requires IDFPR + NMLS Consumer Access.

Open related research →

Coverage limitation

Not acquired

Oregon current mortgage-company roster

potential current NMLS company registration · Oregon

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

No bulk current Oregon mortgage-company roster was acquired.

Grain: potential current NMLS company registration
Geography: Oregon
Source: DFR / NMLS Consumer Access
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-16T23:32:20Z
Accepted artifact: lib/oregon-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies or that HMDA/FDIC/OHCS counts are that census.

Identity rule: Current verification requires DFR + NMLS Consumer Access.

Open related research →

Coverage limitation

Not acquired

Pennsylvania current NMLS mortgage-company roster

potential current NMLS company registration · Pennsylvania

Source clock SOURCE_NOT_ACQUIRED

Trace this measure

No bulk current NMLS mortgage-company roster was acquired.

Grain: potential current NMLS company registration
Geography: Pennsylvania
Source: DoBS / NMLS Consumer Access
Source clock: SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-17T16:52:43Z
Accepted artifact: lib/pennsylvania-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero companies or that HMDA/Open Data/PHFA/FDIC counts are that census.

Identity rule: Current verification requires DoBS + NMLS Consumer Access.

Open related research →

640

North Carolina current NCCOB Mortgage Lender licenses

current NCCOB Mortgage Lender license row · North Carolina

Source as of 2026-09-17

Retrieved 2026-09-17T21:18:40Z

Trace this measure

Current NCCOB Mortgage Lender licenses in Show All.

Grain: current NCCOB Mortgage Lender license row
Geography: North Carolina
Source: NCCOB Licensee Search Show All
Source as of: 2026-09-17
Retrieved: 2026-09-17T21:18:40Z
Accepted artifact: lib/north-carolina-intelligence/accepted-snapshot.json
Counts: One NCCOB class, not brokers, servicers, MOSR, or MLOs.
Does not count: The mixed 1,380 current entities, HMDA applications, FDIC banks, or NCHFA participants.

Identity rule: NC-NCCOB-LICENSE:{licenseNumber} and source-native NMLS:{id}. Name-only fill is forbidden.

Open related research →

Evidence family

Mortgage market activity

11,529,787

HMDA applications

county-grain HMDA application observation · United States and reported jurisdictions

Vintage HMDA 2025

Trace this measure

Reported 2025 applications aggregated from the accepted county-grain extract.

Grain: county-grain HMDA application observation
Geography: United States and reported jurisdictions
Source: HMDA / FFIEC
Vintage: HMDA 2025
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Reported 2025 applications aggregated from the accepted county-grain extract.
Does not count: Lenders, approvals, offers, or a quality measure.

Open related research →

6,793,253

HMDA originations

county-grain HMDA origination observation · United States and reported jurisdictions

Vintage HMDA 2025

Trace this measure

Reported 2025 originations in the accepted county-grain extract.

Grain: county-grain HMDA origination observation
Geography: United States and reported jurisdictions
Source: HMDA / FFIEC
Vintage: HMDA 2025
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Reported 2025 originations in the accepted county-grain extract.
Does not count: Unique borrowers, lenders, or evidence that a lender is better.

Open related research →

2,008,514

HMDA denials

county-grain HMDA denial observation · United States and reported jurisdictions

Vintage HMDA 2025

Trace this measure

Reported 2025 denial observations in the accepted county-grain extract.

Grain: county-grain HMDA denial observation
Geography: United States and reported jurisdictions
Source: HMDA / FFIEC
Vintage: HMDA 2025
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Reported 2025 denial observations in the accepted county-grain extract.
Does not count: Misconduct, borrower eligibility, or lender quality.

Open related research →

394,488

Illinois HMDA 2025 applications

county-grain HMDA application observation · Illinois property location

Vintage 2025

Trace this measure

Applications for properties in Illinois.

Grain: county-grain HMDA application observation
Geography: Illinois property location
Source: CFPB HMDA
Vintage: 2025
Accepted artifact: lib/illinois-intelligence/accepted-snapshot.json
Counts: HMDA applications, not lenders.
Does not count: Illinois mortgage companies, FDIC banks, or current licenses.

Identity rule: Property geography is not headquarters or license jurisdiction.

Open related research →

146,902

Oregon HMDA 2025 applications

county-grain HMDA application observation · Oregon property location

Vintage 2025

Trace this measure

Applications for properties in Oregon.

Grain: county-grain HMDA application observation
Geography: Oregon property location
Source: CFPB HMDA
Vintage: 2025
Accepted artifact: lib/oregon-intelligence/accepted-snapshot.json
Counts: HMDA applications, not lenders.
Does not count: Oregon mortgage companies, FDIC banks, OHCS Flex lenders, or current licenses.

Identity rule: Property geography is not headquarters or license jurisdiction.

Open related research →

444,887

Pennsylvania HMDA 2025 applications

county-grain HMDA application observation · Pennsylvania property location

Vintage 2025

Trace this measure

Applications for properties in Pennsylvania.

Grain: county-grain HMDA application observation
Geography: Pennsylvania property location
Source: CFPB HMDA
Vintage: 2025
Accepted artifact: lib/pennsylvania-intelligence/accepted-snapshot.json
Counts: HMDA applications, not lenders.
Does not count: Pennsylvania mortgage companies, FDIC banks, PHFA participants, or current NMLS licenses.

Identity rule: Property geography is not headquarters or license jurisdiction.

Open related research →

484,454

North Carolina HMDA 2025 applications

county-grain HMDA application observation · North Carolina property location

Vintage 2025

Trace this measure

Applications for properties in North Carolina.

Grain: county-grain HMDA application observation
Geography: North Carolina property location
Source: CFPB HMDA
Vintage: 2025
Accepted artifact: lib/north-carolina-intelligence/accepted-snapshot.json
Counts: HMDA applications, not lenders.
Does not count: North Carolina mortgage companies, FDIC banks, NCHFA participants, or current NCCOB licenses.

Identity rule: Property geography is not headquarters or license jurisdiction.

Open related research →

Evidence family

Consumer complaint evidence

458,146

CFPB mortgage complaints

CFPB mortgage complaint observation · United States and reported jurisdictions

Source clock Snapshot observed 2026-08-26

Trace this measure

Mortgage-scoped consumer complaint observations in the accepted snapshot.

Grain: CFPB mortgage complaint observation
Geography: United States and reported jurisdictions
Source: CFPB Consumer Complaint Database
Source clock: Snapshot observed 2026-08-26
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Mortgage-scoped consumer complaint observations in the accepted snapshot.
Does not count: Proven violations, findings, complaint rates, or a risk score.

Open related research →

47,961

Florida CFPB mortgage complaints

CFPB mortgage complaint observation · Florida

Source as of 2026-08-24

Retrieved 2026-08-26

Trace this measure

Mortgage complaint observations reported from Florida.

Grain: CFPB mortgage complaint observation
Geography: Florida
Source: CFPB
Source as of: 2026-08-24
Retrieved: 2026-08-26
Accepted artifact: lib/florida-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations at state-reporting geography.
Does not count: Proven violations, findings, rates, or lender quality.

Identity rule: Unresolved complaint company labels remain unattached.

Open related research →

71,120

California CFPB mortgage complaints

CFPB mortgage complaint observation · California

Source clock Source date not reported

Retrieved 2026-09-03T18:44:10Z

Trace this measure

Mortgage complaint observations reported from California.

Grain: CFPB mortgage complaint observation
Geography: California
Source: CFPB
Source clock: Source date not reported
Retrieved: 2026-09-03T18:44:10Z
Accepted artifact: lib/california-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, findings, complaint rates, or lender quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

29,013

Texas CFPB mortgage complaints

CFPB mortgage complaint observation · Texas

Source clock Source date not reported

Retrieved 2026-09-04T13:00:17Z

Trace this measure

Mortgage complaint observations reported from Texas.

Grain: CFPB mortgage complaint observation
Geography: Texas
Source: CFPB
Source clock: Source date not reported
Retrieved: 2026-09-04T13:00:17Z
Accepted artifact: lib/texas-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, findings, complaint rates, or quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

10,340

Washington CFPB mortgage complaints

CFPB mortgage complaint observation · Washington

Source clock Source date not reported

Retrieved 2026-09-04T17:16:45Z

Trace this measure

Mortgage complaint observations reported from Washington.

Grain: CFPB mortgage complaint observation
Geography: Washington
Source: CFPB
Source clock: Source date not reported
Retrieved: 2026-09-04T17:16:45Z
Accepted artifact: lib/washington-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, findings, complaint rates, or quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

10,365

Arizona CFPB mortgage complaints

CFPB mortgage complaint observation · Arizona

Source as of 2026-09-04T12:00:00-05:00

Retrieved 2026-09-04T20:02:50Z

Trace this measure

Mortgage complaint observations reported from Arizona.

Grain: CFPB mortgage complaint observation
Geography: Arizona
Source: CFPB
Source as of: 2026-09-04T12:00:00-05:00
Retrieved: 2026-09-04T20:02:50Z
Accepted artifact: lib/arizona-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, complaint rates, risk, or lender quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

8,627

Colorado CFPB mortgage complaints

CFPB mortgage complaint observation · Colorado

Source clock Source date not reported

Retrieved 2026-09-09

Trace this measure

Mortgage complaint observations reported from Colorado.

Grain: CFPB mortgage complaint observation
Geography: Colorado
Source: CFPB
Source clock: Source date not reported
Retrieved: 2026-09-09
Accepted artifact: lib/colorado-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, DRE complaints, complaint rates, or lender quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

14,563

Virginia CFPB mortgage complaints

CFPB mortgage complaint observation · Virginia

Source clock Source date not reported

Retrieved 2026-09-10

Trace this measure

Mortgage complaint observations reported from Virginia.

Grain: CFPB mortgage complaint observation
Geography: Virginia
Source: CFPB
Source clock: Source date not reported
Retrieved: 2026-09-10
Accepted artifact: lib/virginia-intelligence/accepted-snapshot.json
Counts: CFPB complaint observations.
Does not count: Proven violations, SCC enforcement, complaint rates, or lender quality.

Identity rule: No new fuzzy adverse matching.

Open related research →

849

Pennsylvania CFPB 2025 mortgage complaints

CFPB mortgage complaint ID · Pennsylvania

Source as of 2025-01-01/2025-12-31

Retrieved 2026-09-17T16:45:12Z

Trace this measure

Calendar-year 2025 CFPB mortgage complaints with state PA.

Grain: CFPB mortgage complaint ID
Geography: Pennsylvania
Source: CFPB
Source as of: 2025-01-01/2025-12-31
Retrieved: 2026-09-17T16:45:12Z
Accepted artifact: lib/pennsylvania-intelligence/accepted-snapshot.json
Counts: Complaint IDs, not findings or licensed companies.
Does not count: DoBS orders or NMLS identities.

Identity rule: Company name is not an NMLS identity.

Open related research →

920

North Carolina CFPB 2025 mortgage complaints

CFPB mortgage complaint ID · North Carolina

Source as of 2025-01-01/2025-12-31

Retrieved 2026-09-17T21:18:40Z

Trace this measure

Calendar-year 2025 CFPB mortgage complaints with state NC.

Grain: CFPB mortgage complaint ID
Geography: North Carolina
Source: CFPB
Source as of: 2025-01-01/2025-12-31
Retrieved: 2026-09-17T21:18:40Z
Accepted artifact: lib/north-carolina-intelligence/accepted-snapshot.json
Counts: Complaint IDs, not findings or licensed companies.
Does not count: NCCOB orders or NMLS identities.

Identity rule: Company name is not an NMLS identity.

Open related research →

Evidence family

Regulatory & enforcement history

17,655

Federal enforcement events

federal enforcement event · United States and reported jurisdictions

Source clock varies by source event

Trace this measure

Source-native federal enforcement events in the accepted network contract.

Grain: federal enforcement event
Geography: United States and reported jurisdictions
Source: Accepted federal enforcement sources
Source clock: varies by source event
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Source-native federal enforcement events in the accepted network contract.
Does not count: Criminal convictions, complaints, or proof of present license status.

Open related research →

2,515

Florida OFR written observations

written regulatory observation · Florida

Source as of 2026-08-25

Trace this measure

Written observations in the accepted FLAIO/OFR corpus.

Grain: written regulatory observation
Geography: Florida
Source: DOAH FLAIO / Florida OFR
Source as of: 2026-08-25
Snapshot generated: 2026-08-30T16:22:07.696760+00:00
Accepted artifact: lib/florida-intelligence/accepted-snapshot.json
Counts: Source observations across explicitly separate respondent grains.
Does not count: Criminal convictions, current quality, or clean-record determinations.

Identity rule: Only confirmed identifiers attach adverse evidence; unresolved company observations stay aggregate.

Open related research →

453

New Jersey DOBI unique orders

unique DOBI order · New Jersey

Source clock acquired through 2022 OCF year pages; later years SOURCE_NOT_ACQUIRED

Trace this measure

Deduplicated orders acquired from bounded DOBI OCF year pages.

Grain: unique DOBI order
Geography: New Jersey
Source: New Jersey DOBI
Source clock: acquired through 2022 OCF year pages; later years SOURCE_NOT_ACQUIRED
Snapshot generated: 2026-09-02T21:10:02Z
Accepted artifact: lib/new-jersey-intelligence/accepted-snapshot.json
Counts: Unique orders, separately from index occurrences and documents.
Does not count: Violations, complaints, unique lenders, or later unacquired years.

Identity rule: Exact official identifiers only for profile attribution; name-only evidence remains withheld.

Open related research →

3,981

Texas SML order rows

source-native SML order row · Texas

Source as of 2025-10-16

Retrieved 2026-09-04T12:59:52Z

Trace this measure

Rows in the accepted SML order dataset.

Grain: source-native SML order row
Geography: Texas
Source: Texas Department of Savings and Mortgage Lending
Source as of: 2025-10-16
Retrieved: 2026-09-04T12:59:52Z
Accepted artifact: lib/texas-intelligence/accepted-snapshot.json
Counts: Order rows with source-native titles.
Does not count: Complaints, unique lenders, criminal convictions, or a quality score.

Identity rule: 2,493 rows print an exact NMLS ID; name-only rows remain statewide evidence.

Open related research →

777

Washington DFI enforcement rows

enforcement-order row · Washington

Source clock Source date not reported

Retrieved 2026-09-04T17:15:36Z

Trace this measure

Rows in the bounded DFI enforcement-actions HTML table.

Grain: enforcement-order row
Geography: Washington
Source: Washington DFI
Source clock: Source date not reported
Retrieved: 2026-09-04T17:15:36Z
Accepted artifact: lib/washington-intelligence/accepted-snapshot.json
Counts: Source-native enforcement rows.
Does not count: Unique lenders, complaints, violations, or a complete historical bulk file.

Identity rule: Exact NMLS is required for adverse attachment; name-only rows stay at event grain.

Open related research →

102

Washington exact-NMLS enforcement rows

enforcement-order row with printed NMLS identifier · Washington

Source clock Source date not reported

Retrieved 2026-09-04T17:15:36Z

Trace this measure

DFI order rows carrying an exact printed NMLS identifier.

Grain: enforcement-order row with printed NMLS identifier
Geography: Washington
Source: Washington DFI
Source clock: Source date not reported
Retrieved: 2026-09-04T17:15:36Z
Accepted artifact: lib/washington-intelligence/accepted-snapshot.json
Counts: Rows with exact NMLS evidence.
Does not count: A sequential funnel stage, unique companies, or proof every printed NMLS is institution-level.

Identity rule: Source does not type printed NMLS as institution versus person; preserve event grain.

Open related research →

Coverage limitation

Not acquired

Arizona DIFI enforcement harvest

potential DIFI enforcement order · Arizona

Source clock Source date not reported

Trace this measure

The official table is documented, but the accepted automated acquisition was blocked.

Grain: potential DIFI enforcement order
Geography: Arizona
Source: Arizona DIFI
Source clock: Source date not reported
Snapshot generated: 2026-09-04T20:01:33Z
Accepted artifact: lib/arizona-intelligence/accepted-snapshot.json
Counts: No numeric evidence total; this is an explicit coverage limitation.
Does not count: Zero orders, acquired lender actions, or a live license roster.

Identity rule: Future adverse attachment requires exact NMLS or DIFI license identity.

Open related research →

198

New York DFS mortgage enforcement observations

enforcement-action observation · New York

Source as of 2026-08-12

Retrieved 2026-09-11

Trace this measure

Rows in the official Mortgage Banking Enforcement Actions HTML table.

Grain: enforcement-action observation
Geography: New York
Source: NYDFS Mortgage Banking Enforcement Actions
Source as of: 2026-08-12
Retrieved: 2026-09-11
Accepted artifact: lib/new-york-intelligence/accepted-snapshot.json
Counts: Dated action observations.
Does not count: Unique companies, convictions, or a quality score.

Identity rule: No NAIC/NMLS column; name-only adverse attachment is UNSAFE.

Open related research →

Evidence family

Depository & bank context

5,377

FDIC CERT identifiers

FDIC CERT identifier · United States and reported jurisdictions

Source clock accepted identity snapshot

Trace this measure

Distinct FDIC CERT identifiers in the accepted identity graph.

Grain: FDIC CERT identifier
Geography: United States and reported jurisdictions
Source: FDIC
Source clock: accepted identity snapshot
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: Distinct FDIC CERT identifiers in the accepted identity graph.
Does not count: NMLS IDs, all mortgage lenders, branches, or proof of mortgage quality.

Open related research →

114

New Jersey financial-institution list rows

official institution-list row · New Jersey

Source as of 2026-09-02

Trace this measure

Rows in the accepted DOBI financial-institution list.

Grain: official institution-list row
Geography: New Jersey
Source: New Jersey DOBI
Source as of: 2026-09-02
Snapshot generated: 2026-09-02T21:10:02Z
Accepted artifact: lib/new-jersey-intelligence/accepted-snapshot.json
Counts: Official list rows across source-native charter classes.
Does not count: Mortgage licenses, brokers, NJHMFA participants, or recommendations.

Identity rule: FDIC and state references remain distinct identifiers.

Open related research →

387

Illinois FDIC depository institutions

FDIC-insured depository overlay row · Illinois

Source as of 2026-06-26

Trace this measure

Existing FDIC Illinois overlay.

Grain: FDIC-insured depository overlay row
Geography: Illinois
Source: FDIC
Source as of: 2026-06-26
Accepted artifact: lib/fdic/data/illinois.json
Counts: Depository institutions in the overlay.
Does not count: IDFPR mortgage bankers or HMDA lenders.

Identity rule: FDIC CERT is not an IDFPR mortgage license.

Open related research →

Oregon FDIC depository institutions

FDIC-insured depository overlay row · Oregon

Source as of 2026-06-26

Trace this measure

Existing FDIC Oregon overlay.

Grain: FDIC-insured depository overlay row
Geography: Oregon
Source: FDIC
Source as of: 2026-06-26
Accepted artifact: lib/fdic/data/oregon.json
Counts: Depository institutions in the overlay.
Does not count: DFR mortgage bankers or HMDA lenders.

Identity rule: FDIC CERT is not a DFR mortgage license.

Open related research →

Evidence family

Homebuyer & program intelligence

New Jersey NJHMFA program families

source-native program family · New Jersey

Source as of 2026-06-17

Trace this measure

Accepted NJHMFA first-mortgage and assistance program families.

Grain: source-native program family
Geography: New Jersey
Source: NJHMFA
Source as of: 2026-06-17
Snapshot generated: 2026-09-02T21:10:02Z
Accepted artifact: lib/new-jersey-intelligence/accepted-snapshot.json
Counts: Distinct documented program families.
Does not count: Eligible borrowers, approvals, products, or guarantees.

Open related research →

California CalHFA program families

source-native program family · California

Source clock Official CalHFA pages retrieved 2026-09-03; Dream For All update 2026-05-20; income limits 2026-06-30

Retrieved 2026-09-03T18:44:09Z

Trace this measure

Accepted CalHFA program families.

Grain: source-native program family
Geography: California
Source: CalHFA
Source clock: Official CalHFA pages retrieved 2026-09-03; Dream For All update 2026-05-20; income limits 2026-06-30
Retrieved: 2026-09-03T18:44:09Z
Accepted artifact: lib/california-intelligence/accepted-snapshot.json
Counts: Documented program families.
Does not count: Eligible borrowers, approvals, individual products, or guaranteed funds.

Open related research →

Texas verified program families

source-native program family · Texas

Source clock Source date not reported

Retrieved 2026-09-04T12:59:58Z

Trace this measure

Distinct accepted statewide program families.

Grain: source-native program family
Geography: Texas
Source: TDHCA and TSAHC
Source clock: Source date not reported
Retrieved: 2026-09-04T12:59:58Z
Accepted artifact: lib/texas-intelligence/accepted-snapshot.json
Counts: Documented program families, not individual loan products.
Does not count: Eligible borrowers, approvals, available funds, or program generosity.

Open related research →

Washington verified program families

source-native program family · Washington

Source clock Source date not reported

Retrieved 2026-09-04T17:16:28Z

Trace this measure

Accepted WSHFC and Here to Home program families.

Grain: source-native program family
Geography: Washington
Source: Washington State Housing Finance Commission
Source clock: Source date not reported
Retrieved: 2026-09-04T17:16:28Z
Accepted artifact: lib/washington-intelligence/accepted-snapshot.json
Counts: Documented program families.
Does not count: Borrower eligibility, approvals, funding guarantees, or rankings.

Open related research →

Arizona statewide program families

source-native program family · Arizona

Source clock Source date not reported

Retrieved 2026-09-04T20:01:33Z

Trace this measure

Accepted statewide Arizona homebuyer program families.

Grain: source-native program family
Geography: Arizona
Source: Arizona IDA / Arizona Department of Housing
Source clock: Source date not reported
Retrieved: 2026-09-04T20:01:33Z
Accepted artifact: lib/arizona-intelligence/accepted-snapshot.json
Counts: Documented program families.
Does not count: Eligible borrowers, approvals, local-only programs, or available funding.

Open related research →

Evidence family

Business & relationship evidence

1,414

California CalHFA directory rows

CalHFA approved-lender directory location row · California and listed out-of-state locations

Source clock Source date not reported

Retrieved 2026-09-03T18:44:09Z

Trace this measure

Rows in the live official CalHFA approved-lender directory snapshot.

Grain: CalHFA approved-lender directory location row
Geography: California and listed out-of-state locations
Source: California Housing Finance Agency
Source clock: Source date not reported
Retrieved: 2026-09-03T18:44:09Z
Accepted artifact: lib/california-intelligence/accepted-snapshot.json
Counts: Directory location rows with public address/phone evidence where present.
Does not count: Unique companies, California licenses, endorsements, or NMLS matches.

Identity rule: No name-only NMLS attachment; the source prints no NMLS ID.

Open related research →

Evidence family

Public research surfaces

Published state intelligence pages

published state intelligence page · FL, NJ, CA, TX, WA, AZ, CO, VA, NY, IL, OR, PA, NC

Source clock varies by state and evidence family

Trace this measure

Live state intelligence destinations in the homepage state model.

Grain: published state intelligence page
Geography: FL, NJ, CA, TX, WA, AZ, CO, VA, NY, IL, OR, PA, NC
Source: Accepted state publication contracts
Source clock: varies by state and evidence family
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: LENDER_HOMEPAGE_STATE_CARDS
Counts: Published state pages derived from the same model rendered below.
Does not count: States with only national search results or a rating of research depth.

Open related research →

Published New Jersey county intelligence pages

published county intelligence page · New Jersey

Source clock varies by county evidence module

Trace this measure

Published New Jersey county research surfaces in the accepted network contract.

Grain: published county intelligence page
Geography: New Jersey
Source: Accepted network publication contract
Source clock: varies by county evidence module
Snapshot generated: 2026-09-17T21:36:05.032Z
Accepted artifact: data/home/lender-network-metrics-v1.json
Counts: County intelligence pages.
Does not count: County license systems, lenders, applications, or statewide coverage.

Open related research →

13 state intelligence surfaces

Regulators, evidence depth, and source clocks differ by state

These are research destinations, not ratings. Application volume does not determine their order or visual weight.

Florida

Florida OFR · HMDA/FFIEC · CFPB

6,392Approved company credentialscredential rows

2,515OFR written observationsregulatory observations

47,961Mortgage complaints reported from FLCFPB complaint observations

Chapter 494 company credentials
HMDA market activity
OFR final-agency-action observations
CFPB mortgage complaints

Identity: 6,265 exact confirmed NMLS identities; credential rows remain distinct from companies.

An approved credential is not an endorsement. Unresolved OFR observations are not attached to current profiles.

Florida OFR roster: Source as of 2026-08-30
HMDA vintage: Source as of 2025
CFPB complaints through: Source as of 2026-08-24Retrieved 2026-08-26

Explore Florida intelligence →

New Jersey

NJ DOBI · NJHMFA · HMDA/FFIEC

318,529HMDA applications2025 applications

453DOBI unique ordersunique orders, acquired through 2022 pages

6NJHMFA program familiessource-native program families

HMDA market activity
DOBI orders
financial-institution classes
NJHMFA program and participating-lender research

Identity: 35 exact NMLS-institution references and 17 exact FDIC references in the accepted order corpus.

The statewide RMLA roster is available by request, not acquired. Name-only adverse evidence stays off profiles.

HMDA vintage: Source as of 2025
DOBI financial-institution list: Source as of 2026-09-02
DOBI enforcement corpus: Source clock acquired through 2022 OCF year pages; later years SOURCE_NOT_ACQUIRED

Explore New Jersey intelligence →

California

DFPI · DRE · CalHFA · HMDA/FFIEC · CFPB

1,014,489HMDA applications2025 applications

1,414CalHFA directory rowsapproved-lender location rows

71,120CFPB mortgage complaintscomplaint observations

HMDA market activity
CalHFA directory and programs
dated CRMLA regulatory report
CFPB mortgage complaints

Identity: CalHFA directory rows, CRMLA licensees, branches, NMLS IDs, and HMDA LEIs are separate identity grains.

The current CRMLA bulk roster was not acquired. CalHFA participation is not a license or TrustHub endorsement.

HMDA vintage: Source as of 2025
CalHFA directory: Source as of Source date not reportedRetrieved 2026-09-03T18:44:09Z
CFPB complaints: Source as of Source date not reportedRetrieved 2026-09-03T18:44:10Z

Explore California intelligence →

Texas

Texas SML · TDHCA · TSAHC · HMDA/FFIEC · CFPB

954,534HMDA applications2025 applications

3,981SML order rowssource-native order rows

7Verified program familiesprogram families

HMDA market activity
SML order corpus
dated regulator entity classes
state program families
CFPB complaints

Identity: 2,493 order rows print an exact NMLS identifier; 1,488 name-only rows remain state-level evidence.

Texas regulators and license classes are not collapsed into one lender universe; the live bulk company roster was not acquired.

HMDA vintage: Source as of 2025
SML orders: Source as of 2025-10-16Retrieved 2026-09-04T12:59:52Z
CFPB complaints: Source as of Source date not reportedRetrieved 2026-09-04T13:00:17Z

Explore Texas intelligence →

Washington

Washington DFI · WSHFC · HMDA/FFIEC · CFPB

286,871HMDA applications2025 applications

777DFI enforcement rowsenforcement-order rows

102Exact-NMLS order rowsorder rows with printed NMLS ID

HMDA market activity
DFI enforcement rows
exact NMLS event attribution
WSHFC programs
CFPB and FDIC context

Identity: 777 DFI source rows and 102 exact-NMLS rows are different measures, not a funnel.

The current live company roster was not acquired. Name-only enforcement rows are not attached to profiles.

HMDA vintage: Source as of 2025
DFI enforcement table: Source as of Source date not reportedRetrieved 2026-09-04T17:15:36Z
CFPB complaints: Source as of Source date not reportedRetrieved 2026-09-04T17:16:45Z

Explore Washington intelligence →

Arizona

Arizona DIFI · Arizona IDA · HMDA/FFIEC · CFPB

308,338HMDA applications2025 applications

10,365CFPB mortgage complaintscomplaint observations

2Statewide program familiesprogram families

HMDA market activity
CFPB complaint observations
statewide program families
FDIC depository overlay
DIFI access limitations

Identity: 953 HMDA LEI state rows; no current DIFI/NMLS company denominator was acquired.

DIFI roster and enforcement harvests were blocked or search-only. Their counts remain unknown, not zero.

HMDA vintage: Source as of 2025
CFPB API last updated: Source as of 2026-09-04T12:00:00-05:00Retrieved 2026-09-04T20:02:50Z
DIFI enforcement: Source as of Source date not reported

Explore Arizona intelligence →

Colorado

Colorado DRE · NMLS · CHFA · HMDA/FFIEC · CFPB

260,212HMDA applications2025 applications

21,865DRE MLO license rowsperson license rows

8,627CFPB mortgage complaintscomplaint observations

HMDA market activity
DRE MLO person licenses
NMLS company-registration search path
CHFA program resources
CFPB complaints

Identity: 21,865 DRE MLO person rows; no current mortgage-company bulk roster was acquired.

MLO rows are people, not lenders. Company registration remains search-only. CHFA participation is not licensure or endorsement.

HMDA vintage: Source as of 2025
DRE MLO extract: Source as of 2026-09-09Retrieved 2026-09-09
CFPB complaints: Source as of Source date not reportedRetrieved 2026-09-09

Explore Colorado intelligence →

Virginia

Virginia SCC BFI · NMLS · Virginia Housing · HMDA/FFIEC · CFPB

713SCC brokers as of 2025-12-31dated company licensees

340,304HMDA applications2025 applications

14,563CFPB mortgage complaintscomplaint observations

SCC 2025 dated mortgage-company list
exact MC/NMLS crosswalks
HMDA market activity
CFPB complaints
Virginia Housing programs

Identity: 1,257 exact VA-MC to NMLS crosswalks; dated 2025-12-31 rows are not current 2026 licenses.

Broker, lender, and lender-broker stay separate. The live 2026 roster is search-only. MLOs are people, not companies.

SCC dated roster: Source as of 2025-12-31Retrieved 2026-09-10
HMDA vintage: Source as of 2025
CFPB complaints: Source as of Source date not reportedRetrieved 2026-09-10

Explore Virginia intelligence →

New York

NYDFS · NMLS · HMDA/FFIEC · CFPB · FDIC

151DFS bankers end of 2024dated class aggregate

388,207HMDA applications2025 applications

198DFS enforcement observationsaction observations

DFS 2024 dated class aggregates
2026 Weekly Bulletin activity
Mortgage enforcement actions
HMDA market activity
FDIC depository overlay

Identity: Current NYDFS/NMLS company roster is search-only. 2024 aggregates are not current 2026 licenses.

Banker, broker, servicer, and MLO stay separate. Do not add banker and broker classes. MLOs are people, not companies.

DFS annual aggregates: Source as of 2024-12-31Retrieved 2026-09-11
HMDA vintage: Source as of 2025
Enforcement table: Source as of 2026-08-12Retrieved 2026-09-11

Explore New York intelligence →

Illinois

IDFPR · NMLS · HMDA/FFIEC · FDIC · CFPB

394,488HMDA applications2025 applications

231,788HMDA originations2025 originations

387FDIC depositoriesexisting overlay institutions

HMDA 2025 Illinois market activity
FDIC depository overlay
IDFPR/NMLS search-only current licensing

Identity: Current IDFPR/NMLS company roster is search-only. HMDA applications are not lenders. FDIC banks are not IDFPR mortgage bankers.

No Chicago/Cook intelligence routes. Missing roster is not zero companies.

HMDA vintage: Source as of 2025
FDIC overlay: Source as of 2026-06-26
Current mortgage-company roster: Source as of Source date not reported

Explore Illinois intelligence →

Oregon

DFR · NMLS · HMDA/FFIEC · FDIC · OHCS · CFPB

146,902HMDA applications2025 applications

89,073HMDA originations2025 originations

14FDIC depositoriesexisting overlay institutions

HMDA 2025 Oregon market activity
FDIC depository overlay
DFR mortgage orders
OHCS Flex Lending approved lenders
DFR/NMLS search-only current licensing

Identity: Current DFR/NMLS company roster is search-only. HMDA applications are not lenders. OHCS Flex lenders are not the license universe.

No Portland/Multnomah intelligence routes. Missing roster is not zero companies.

HMDA vintage: Source as of 2025
FDIC overlay: Source as of 2026-06-26
Current mortgage-company roster: Source as of Source date not reported

Explore Oregon intelligence →

Pennsylvania

DoBS · NMLS · HMDA/FFIEC · FDIC · CFPB · PHFA

444,887HMDA applications2025 applications

271,254HMDA originations2025 originations

849CFPB 2025 mortgage complaintscalendar-year complaint IDs

HMDA 2025 Pennsylvania market activity
CFPB 2025 mortgage complaints
PHFA participating lenders
DoBS/NMLS search-only current licensing

Identity: Current DoBS/NMLS company roster is search-only. Open Data class rows are not an NMLS census. HMDA applications are not lenders. PHFA participants are not the license universe.

No Philadelphia/Pittsburgh intelligence routes. Missing NMLS roster is not zero companies. Do not headline the mixed DoBS 28,450 non-bank figure.

HMDA vintage: Source as of 2025
CFPB 2025 complaints: Source as of 2025-01-01/2025-12-31Retrieved 2026-09-17T16:45:12Z
Current NMLS roster: Source as of Source date not reported

Explore Pennsylvania intelligence →

North Carolina

NCCOB · NMLS · HMDA/FFIEC · FDIC · CFPB · NCHFA

484,454HMDA applications2025 applications

279,735HMDA originations2025 originations

920CFPB 2025 mortgage complaintscalendar-year complaint IDs

HMDA 2025 North Carolina market activity
NCCOB current license classes
CFPB 2025 mortgage complaints
NCCOB mortgage enforcement
NCHFA program finder (search-only)

Identity: Current NCCOB Show All is class-separated. 640 Mortgage Lender licenses are not 574 brokers, 62 servicers, 104 MOSR, or the mixed 1,380 current entities. HMDA applications are not lenders. NCHFA participants are not the license universe.

No Charlotte/Raleigh intelligence routes. Do not headline the mixed 1,380 current-entity figure. NCHFA preferred/top language is the Agency’s, not a TrustHub ranking.

HMDA vintage: Source as of 2025
CFPB 2025 complaints: Source as of 2025-01-01/2025-12-31Retrieved 2026-09-17T21:18:40Z
NCCOB current company Show All: Source as of 2026-09-17Retrieved 2026-09-17T21:18:40Z

Explore North Carolina intelligence →

Mortgage market activity

HMDA shows what was reported—not which lender is best

Applications, originations, denials, purpose, product, reporter, and geography are market observations. Denial rate is not a quality or misconduct score.

Darker cells indicate more reported 2025 county-grain applications only.

AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA PR RI SC SD TN TX VI UT VT VA WA WV WI WY

Complaints & regulatory history

Related evidence, different legal meaning

CFPB complaints are consumer-reported observations. Regulator orders follow source-native legal processes. Neither becomes a proprietary score.

Consumer report

CFPB complaint

Not a proven violation, finding, or exposure-adjusted rate.

Official publication

Regulatory record

Not necessarily a criminal conviction or statement of current status.

Homebuyer program intelligence

Research programs before assuming eligibility

Accepted state artifacts document program families in 5 states. A program’s existence does not mean a borrower qualifies, funding is available, or a lender participates.

6New Jersey

New Jersey NJHMFA program families

4California

California CalHFA program families

7Texas

Texas verified program families

7Washington

Washington verified program families

2Arizona

Arizona statewide program families

Explore the program finder →

Ask LenderTrustHub

Continue with source-backed questions

The primary research box uses this same structured engine. These examples preserve useful educational paths without creating a second search implementation.

How many mortgage applications are represented?

County-grain HMDA 2025 observations on this hub sum to 11,529,787 reported applications. That is a snapshot of reported activity, not a live market feed.

State of the record →

How many resulted in originations?

6,793,253 originations are reported on the same county-grain 2025 rows. That share of applications is not an approval rate.

HMDA outcomes story →

What do HMDA application outcomes mean?

HMDA records an action taken on a reported application. Origination and denial are two families. Other actions exist, so originations plus denials do not equal applications.

Explain the HMDA chart →

What is the difference between a bank, credit union and nonbank lender?

They are different institutional and regulatory models. This page shows exclusive depository structure in 8,447 intelligence snapshots (FDIC 5,371, NCUA 1,096, nonbank 341, unknown 1,639). Structure is not a quality score.

Institution structure story →

Research, then compare

Move from public evidence to your actual offer

Lender research and market context come first. Calculators compare terms; they do not select or rank a lender.

Research a lenderControlled public discovery. Not a ranking.Loan Estimate AnalyzerActual offer figures. Not a HMDA benchmark of your LE unless methodology matches.Compare Loan EstimatesCompare offers, not a lender winner.Mortgage calculatorsEducational estimates.Florida Mortgage IntelligenceExisting state intelligence. Unchanged in this task.New Jersey Mortgage IntelligenceHMDA, NJHMFA, and NJDOBI evidence. Not a ranking.Save researchWorkspace for your notes. Not a lender score.

Research checklist

You've reviewed 0 of 7 research areas. This is your process — not a lender score.

Evidence has limits

What this research does not establish

No Trust Score, Research Score, or County Experience Score.

No best/top/recommended lender.

No consumer approval prediction.

No complaint-to-violation flattening.

No HMDA county+state double count.

No enforcement found does not mean a clean record.

A program exists does not mean a borrower is eligible.

An address does not establish a lender’s service area.

Sources, freshness & methodology

Every major number has a trace

Source dates, retrieval dates, snapshot generation, and deployment are different clocks.

National source ledger retained for technical traceability
Dataset	Agency	Source as of	Retrieved	Used for
HMDA LAR / institution activity summaries	FFIEC / CFPB (HMDA)	2025	2026-09-12T22:23:12.376570+00:00	County-grain applications, originations, denials, state explorer volume
Consumer Complaint Database, mortgage product	CFPB	2026-09-12T22:23:12.376570+00:00	2026-09-12T22:23:12.376570+00:00	Complaint observation counts and attachment coverage
lender_national_entities / lender_identifiers	NMLS, FDIC, NCUA, GLEIF as joined on this hub	2026-09-12T22:23:12.376570+00:00	2026-09-12T22:23:12.376570+00:00	Institution identity and identifier grains
lender_profile_intelligence	SeniorTrustHub/LenderTrustHub derived snapshots	2026-09-12T22:23:12.376570+00:00	2026-09-12T22:23:12.376570+00:00	Exclusive depository composition of the accepted profile snapshots
lend-nat-014 render/index cohorts	LenderTrustHub publication policy	2026-09-12T22:23:12.376570+00:00	2026-09-12T22:23:12.376570+00:00	Publication-gated national render/index cohorts
Florida Phase 1+2 public company manifests	Florida OFR + LenderTrustHub publication policy	2026-09-12T22:23:12.376570+00:00	2026-09-12T22:23:12.376570+00:00	Florida preview counts and /florida link

Inventory projection generated 2026-09-17. This is not a universal agency source date.

Read the methodology →