Mortgage Access Dashboard
HMDA data reveals persistent racial disparities in mortgage lending — even at the same income levels.
Source: CFPB Summary of 2023 HMDA Data (conventional closed-end home purchase loans, first lien, 1-4 family, site-built, owner-occupied)
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Black mortgage applicants are denied at 2.9× the rate of White applicants (16.6% vs 5.8%), even after controlling for income — one of the widest gaps in a decade. Explore racial equity data →
Overall Denial Rate
📊10.8%
Conventional home purchase
Black Denial Rate
⚠️16.6%
2.9× the White denial rate
Rate Gap
📈+0.16%
Black vs White avg interest rate
Applications
📋10M
5.7M originated