Unlocking the mystery of mortgage expansion reveals the roadmap to sustainable growth and financial stability in the midst of emerging economic paradigms. The research intends to uncover unique insights that are essential for guiding the path of sustainable prosperity by disentangling this complex web of relationships. Present study explores USA mortgage loan growth patterns. It examines fintech, innovation, borrowing, non-performing loans, and risk. The paper uses rigorous least squares analysis and modified Dickey-Fuller tests to examine these variables and mortgage growth from 2010 to 2020. The findings show fintech, innovation, borrowing, non-performing loans, risk, and mortgage expansion are linked. Fintech and innovation have negative coefficients, showing that while they can improve market efficiency, they may restrict mortgage growth if not handled carefully. Similarly, the positive coefficient of borrowing shows that it drives mortgage demand and market expansion, indicating economic confidence. Whereas, Non-performing loans also directly affect mortgage growth, suggesting that despite their risks, they can boost lending and the mortgage market. Additionally, risk has a positive coefficient, suggesting that higher risk may boost mortgage growth by encouraging investment. These findings shed light on the complex dynamics of mortgage expansion in the USA economy and highlight the need to include fintech, innovation, borrowing, non-performing loans, and risk in mortgage market regulations and practices. These findings can help policymakers, financial institutions, and stakeholders plan for sustainable mortgage market growth, economic durability, and financial stability. Fintech, innovation, borrowing, non-performing loans, risk, and mortgage growth are empirically linked in this study, adding to current knowledge. This research aims to illuminate these relationships to inform governmental decisions, lending practices, investment, and USA mortgage market developments. This knowledge can assist build a lasting mortgage market that boosts economic growth and stability.