Home loans + businesses

Ownership has
more than one measure.

Home-loan records and business statistics describe different kinds of ownership. We show them separately so their meanings do not get mixed together.

01 / Home loans

Home-loan activity reported for 2025

See national facts and facts for ten selected metro areas from the federal Home Mortgage Disclosure Act data browser.

United States

Nationwide

37.2%Black decision denial share

All originations: 6,827,891
Home-purchase originations: 3,592,033
Black originations: 462,242
Black denials: 273,650
All Black-matched records: 1,029,097

Atlanta-Sandy Springs-Roswell

MSA/MD 12054

35.6%Black decision denial share

All originations: 108,848
Home-purchase originations: 58,179
Black originations: 27,902
Black denials: 15,423
All Black-matched records: 61,395

Baltimore-Columbia-Towson

MSA/MD 12580

35%Black decision denial share

All originations: 58,904
Home-purchase originations: 30,181
Black originations: 10,450
Black denials: 5,624
All Black-matched records: 22,581

NC-SC

Charlotte-Concord-Gastonia

MSA/MD 16740

34.5%Black decision denial share

All originations: 78,653
Home-purchase originations: 41,223
Black originations: 9,554
Black denials: 5,025
All Black-matched records: 19,612

Chicago-Naperville-Schaumburg

MSA/MD 16984

38.3%Black decision denial share

All originations: 125,819
Home-purchase originations: 67,177
Black originations: 12,014
Black denials: 7,459
All Black-matched records: 28,376

Dallas-Plano-Irving

MSA/MD 19124

31.6%Black decision denial share

All originations: 106,577
Home-purchase originations: 68,671
Black originations: 10,665
Black denials: 4,924
All Black-matched records: 21,152

Detroit-Dearborn-Livonia

MSA/MD 19804

44.1%Black decision denial share

All originations: 33,677
Home-purchase originations: 16,170
Black originations: 5,735
Black denials: 4,525
All Black-matched records: 13,578

Houston-Pasadena-The Woodlands

MSA/MD 26420

34.5%Black decision denial share

All originations: 123,445
Home-purchase originations: 87,800
Black originations: 14,357
Black denials: 7,562
All Black-matched records: 30,089

TN-MS-AR

Memphis

MSA/MD 32820

37.7%Black decision denial share

All originations: 24,774
Home-purchase originations: 13,375
Black originations: 6,230
Black denials: 3,776
All Black-matched records: 13,738

New Orleans-Metairie

MSA/MD 35380

41.7%Black decision denial share

All originations: 12,273
Home-purchase originations: 6,814
Black originations: 2,472
Black denials: 1,767
All Black-matched records: 6,008

DC-MD

Washington

MSA/MD 47764

33.5%Black decision denial share

All originations: 31,444
Home-purchase originations: 16,350
Black originations: 13,217
Black denials: 6,648
All Black-matched records: 28,499

Source trail2025 HMDA Snapshot via Data Browser aggregation API · Data saved June 2, 2026 · Accessed 2026-08-07

02 / Businesses

Black-owned businesses with employees

National survey tables published in 2024, describing business activity in 2023.

Employer firms200,885RSE 0.8%

Receipts$249BRSE 4.7%

Employees1,864,727RSE 3.3%

Annual payroll$69.8BRSE 2.8%

Exports$1.3BRSE 13.2%

Published categoryFirmsReceiptsEmployeesPayrollFirm RSE

Firms with sales/receipts of less than $5,000

2,509

$6.4M

47,868

$1.6B

9.7%

Firms with sales/receipts of $5,000 to $9,999

3,300

$23.1M

3,765

$104.6M

9.5%

Firms with sales/receipts of $10,000 to $24,999

7,383

$125.5M

7,894

$120.1M

5.7%

Firms with sales/receipts of $25,000 to $49,999

11,594

$452.5M

13,982

$219.4M

5.8%

Firms with sales/receipts of $50,000 to $99,999

21,321

$1.7B

28,152

$547.5M

6.1%

Firms with sales/receipts of $100,000 to $249,999

45,783

$8.1B

94,433

$2.3B

2.6%

Firms with sales/receipts of $250,000 to $499,999

40,390

$15.2B

150,921

$4.3B

2.9%

Firms with sales/receipts of $500,000 to $999,999

31,138

$23.1B

211,965

$7B

4.3%

Firms with sales/receipts of $1,000,000 to $2,499,999

22,595

$36.1B

327,403

$11.1B

5.7%

Firms with sales/receipts of $2,500,000 to $4,999,999

8,238

$29.3B

265,415

$9.1B

6.4%

Firms with sales/receipts of $5,000,000 or more

6,633

$134.9B

712,929

$33.4B

5.6%

Source trail2024 Annual Business Survey special tables 2 and 3 · Black or African American-owned employer firms · Accessed 2026-08-07