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Events / Business / iEmergent 2025 HMDA Data Analysis
Business market analysis

iEmergent 2025 HMDA Data Analysis

Analysis based on 6 articles · First reported Apr 29, 2026 · Last updated Apr 29, 2026

Sentiment
20
Attention
4
Articles
6
Market Impact
General
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Market Impact

The mortgage market in the United States is showing an uneven recovery in 2025, driven by refinancing activity and larger loan balances, which could impact housing affordability and lender strategies. The insights from iEmergent's analysis provide valuable benchmarking tools for lenders to identify growth opportunities and meet regulatory obligations.

Mortgage industry Real estate Financial services
Event Summary

iEmergent released its analysis of 2025 Home Mortgage Disclosure Act (HMDA) data, revealing an uneven recovery in the United States mortgage market. Total loan volume increased to $2.12 trillion in 2025, primarily driven by refinance activity. Independent mortgage banks (IMBs) extended their lead in originations, capturing a significant share of market growth. Rising loan sizes continue to pressure affordability, and while denial rates modestly declined, overall application fallout remains high, particularly for minority applicants. The market also shows high concentration, with a small group of lenders originating half of the total mortgage volume. iEmergent's Mortgage MarketSmart tool integrates this data to help lenders benchmark performance and identify growth opportunities.

Entities Involved
priv
iEmergent
iEmergent released its analysis of 2025 Home Mortgage Disclosure Act (HMDA) data, providing insights into the mortgage market's recovery and trends.
Importance 100.0 Sentiment 50.0
oth
Home Mortgage Disclosure Act
The Home Mortgage Disclosure Act data for 2025 is the primary subject of the analysis, providing key metrics and trends for the mortgage market.
Importance 90.0 Sentiment 0.0
per
Laird Nossuli
Laird Nossuli, CEO of iEmergent, presented the findings of the 2025 HMDA data analysis and provided commentary on the mortgage market's state.
Importance 70.0 Sentiment 0.0
cnt
United States
Importance 0.0 Sentiment 0.0
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