This report offers a comprehensive analysis of data collected as a part of the Home Mortgage Disclosure Act. The 2023 market was characterized by a significant decline in refinance lending and a marked reduction in home purchase loan origination, primarily attributed to elevated home prices and interest rates. The overall volume of mortgage originations has reached its lowest level in the past two decades, specifically since 2004. Despite some advancements in mortgage accessibility for Hispanic borrowers, racial disparities in loan approvals and denials persist, with Black borrowers experiencing higher denial rates and a greater dependence on more expensive loan products.