2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
Graphs and Stats
- Search
- Mortgage Lenders by
- Name
- City
- State
- Zip Code
- County
- Metropolitan Area
- Mortgage Loan Totals
- State, County, Metro
- Data Downloads
- Services
- Blog
- About
- Data Updated through 2023
Holmes County OH
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Unlock detailed Holmes County OH mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Ohio.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 556 |
| Total Mortgage Loan Application Amount | $72,001,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $4,395,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 2 | $ 57,000 |
| AFFINITY LENDING SOLUTIONS, LL 1700 WEST LOOP SOUTH, SUITE 21- HOUSTON, TX 77027 |
* | $ 2,425,000 | 2 | $ 207,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 82,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 3 | $ 186,000 |
| AMERICAN MIDWEST MORTGAGE CORPORATION 6363 YORK ROAD PARMA HEIGHTS, OH 44130 |
* | $ 10,000,000 | 1 | $ 71,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 1 | $ 79,000 |
| AMWEST FUNDING CORP. 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 174,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,433,716,000,000 | 8 | $ 1,027,000 |
| BBMC MORTGAGE, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 314,000 |
| BMI FEDERAL CREDIT UNION 6165 EMERALD PARKWAY DUBLIN, OH 43016 |
* | $ 386,638,000 | 1 | $ 82,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 52,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ 945,758,000 | 3 | $ 481,000 |
| CBC NATIONAL BANK 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 375,205,000 | 2 | $ 264,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,346,747,000,000 | 6 | $ 708,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 336,000 |
| CNB BANK 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,112,009,000 | 3 | $ 588,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ 10,000,000 | 1 | $ 209,000 |
| DIRECTIONS CREDIT UNION, INC. 5121 WHITEFORD ROAD TOLEDO, OH 43560 |
* | $ 565,033,000 | 2 | $ 92,000 |
| DISCOVER HOME LOANS, INC 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 151,000 |
| DOLLAR BANK, FEDERAL SAVINGS BANK #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 6,711,706,000 | 3 | $ 385,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 448,000 |
| EQUITY RESOURCES, INC. PO BOX 5177 NEWARK, OH 43058 |
* | $ 16,280,000 | 2 | $ 206,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 37 | $ 6,919,000 |
| FIFTH THIRD BANK 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 2 | $ 160,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 4 | $ 862,000 |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKEWOOD 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,463,631,000 | 1 | $ 98,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 288,000 |
| FIRST MERCHANTS BANK, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,417,382,000 | 1 | $ 549,000 |
| FIRST NATIONAL BANK 112 W MARKET STREET ORRVILLE, OH 44646 |
* | $ 476,227,000 | 16 | $ 2,902,000 |
| FIRST NATIONAL BANK OF LAYTON 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 253,764,000 | 1 | $ 89,000 |
| FIRST OHIO HOME FINANCE, INC. 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 123,000 |
| FIRST PERSONAL BANK 14701 S RAVINIA AVE ORLAND PARK, IL 60462 |
* | $ 165,791,000 | 2 | $ 48,000 |
| FIRSTMERIT BANK NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 23,864,142,000 | 6 | $ 966,000 |
| FIRSTMERIT MORTGAGE CORP 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 4 | $ 640,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 12,648,357,000 | 1 | $ 92,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 199,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ 10,000,000 | 3 | $ 374,000 |
| FRIENDS AND FAMILY CREDIT UNION 3920 ERIE ST SOUTH MASSILLON, OH 44646 |
* | $ 68,485,000 | 1 | $ 127,000 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 PHOENIX DR, STE 300 PLYMOUTH, MI 48108 |
* | $ 10,000,000 | 1 | $ 191,000 |
| HOME FEDERAL SAVINGS BANK 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 647,428,000 | 1 | $ 215,000 |
| HOME MORTGAGE ASSURED CORPORATION 6000 PARKLAND BLVD MAYFIELD HTS, OH 44124 |
* | $ 10,000,000 | 2 | $ 168,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 157,000 |
| HOMEWARD RESIDENTIAL, INC. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 144,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 9 | $ 1,028,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 2 | $ 115,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ 138,031,000 | 9 | $ 1,163,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 84,362,333,000 | 1 | $ 161,000 |
| MICHIGAN MUTUAL, INC. 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 175,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 155,000 |
| MISSION LOANS, LLC 5686 DRESSLER ROAD, NW UPPER ARLINGTON, OH 44720 |
* | $ 26,491,000 | 1 | $ 206,000 |
| MORTGAGE NETWORK, INC. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 102,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 1 | $ 106,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 7 | $ 710,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 184,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 1 | $ 112,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ 10,000,000 | 2 | $ 342,000 |
| OCEANSIDE MORTGAGE COMPANY 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 116,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 161,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 124,000 |
| PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 286,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 309,999,678,000 | 34 | $ 2,570,000 |
| PORTAGE COMMUNITY BANK 1311 E. MAIN ST. RAVENNA, OH 44266 |
* | $ 271,232,000 | 1 | $ 240,000 |
| PROFICIO BANK 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 320,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ 100,000,000 | 3 | $ 895,000 |
| ROUNDPOINT MORTGAGE COMPANY 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 385,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 1 | $ 52,000 |
| SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 TEMPE, AZ 85297 |
* | $ 5,889,539,000 | 2 | $ 218,000 |
| STEARNS LENDING, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 155,000 |
| THE APPLE CREEK BANKING COMPANY 3 W MAIN ST APPLE CREEK, OH 44606 |
* | $ 111,379,000 | 3 | $ 285,000 |
| THE BANK OF MAGNOLIA COMPANY 122 NORTH MAIN ST. MAGNOLIA, OH 44643 |
* | $ 73,958,000 | 1 | $ 339,000 |
| THE COMMERCIAL AND SAVINGS BANK OF MILLERSBURG, OHIO 91 NORTH CLAY STREET MILLERSBURG, OH 44654 |
* | $ 596,145,000 | 131 | $ 16,179,000 |
| THE EPHRATA NATIONAL BANK 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ 812,035,000 | 1 | $ 61,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 141,772,000 | 1 | $ 182,000 |
| THE HARRISON BUILDING AND LOAN ASSOCIATION 10490 NEW HAVEN RD. HARRISON, OH 45030 |
* | $ 223,085,000 | 1 | $ 116,000 |
| THE HOME SAVINGS AND LOAN COMP 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,739,769,000 | 1 | $ 536,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 11 | $ 1,485,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 78,000 |
| THE PARK NATIONAL BANK 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,527,444,000 | 79 | $ 10,117,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 241,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 2,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 6 | $ 661,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 10 | $ 1,160,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 178,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 371,000 |
| WAYNE SAVINGS COMMUNITY BANK 151 N. MARKET ST. WOOSTER, OH 44691 |
* | $ 410,628,000 | 25 | $ 3,193,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,373,600,000,000 | 17 | $ 1,744,000 |
| WESTERN OHIO MORTGAGE CORPORATION 733 FAIR RD SIDNEY, OH 45365 |
* | $ 1,435,000 | 4 | $ 324,000 |
| WOODFOREST NATIONAL BANK 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 1 | $ 56,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST WICHITA, KS 66211 |
* | $ 10,000,000 | 1 | $ 94,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2014, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Holmes County OH in 2014
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 267 | $36,451,000 | $136,000 | $885,000 | $91,000 | $4,395,000 |
| Home Purchase | 230 | $32,038,000 | $139,000 | $536,000 | $70,000 | $428,000 |
| Home Improvement | 59 | $3,512,000 | $59,000 | $360,000 | $58,000 | $182,000 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 492 | $61,874,000 | $125,000 | $885,000 | $70,000 | $960,000 |
| Not Provided | 28 | $4,355,000 | $155,000 | $536,000 | $233,000 | $4,395,000 |
| Not applicable | 23 | $3,409,000 | $148,000 | $529,000 | $51,000 | $960,000 |
| American Indian or Alaskan Native | 7 | $1,535,000 | $219,000 | $450,000 | $175,000 | $310,000 |
| Hispanic | 3 | $414,000 | $138,000 | $182,000 | $77,000 | $100,000 |
| Asian | 2 | $257,000 | $128,000 | $165,000 | $46,000 | $63,000 |
| Black or African American | 1 | $157,000 | $157,000 | $157,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 460 | $60,431,000 | $131,000 | $885,000 | $88,000 | $4,395,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,433,000 | $115,000 | $225,000 | $32,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,200,000 | $103,000 | $216,000 | $36,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,937,000 | $163,000 | $314,000 | $51,000 | $114,000 |
Outcome | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 356 | $47,375,000 | $133,000 | $885,000 | $89,000 | $4,395,000 |
| Application Denied By Financial Institution | 95 | $10,912,000 | $114,000 | $360,000 | $53,000 | $420,000 |
| Loan Purchased By The Institution | 36 | $4,201,000 | $116,000 | $261,000 | $60,000 | $960,000 |
| Application Withdrawn By Applicant | 31 | $4,401,000 | $141,000 | $549,000 | $68,000 | $206,000 |
| Application Approved But Not Accepted | 28 | $3,706,000 | $132,000 | $775,000 | $86,000 | $497,000 |
| File Closed For Incompleteness | 10 | $1,406,000 | $140,000 | $286,000 | $42,000 | $116,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 24 | $1,846,000 | $76,000 | $239,000 | $68,000 | $420,000 |
| Debt-To-Income Ratio | 19 | $2,380,000 | $125,000 | $240,000 | $42,000 | $90,000 |
| Collateral | 18 | $2,802,000 | $155,000 | $360,000 | $65,000 | $138,000 |
| Credit Application Incomplete | 8 | $894,000 | $111,000 | $182,000 | $60,000 | $100,000 |
| Other | 3 | $162,000 | $54,000 | $89,000 | $23,000 | $47,000 |
| Unverifiable Information | 2 | $107,000 | $53,000 | $59,000 | $58,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $159,000 | $79,000 | $122,000 | $48,000 | $67,000 |
| Employment History | 1 | $174,000 | $174,000 | $174,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.