HMDAVISION · MORTGAGE MARKET INTELLIGENCE + FAIR LENDING
HMDAVision turns loan-level HMDA data into decision-ready intelligence for market strategy, lender benchmarking, borrower and pricing analysis, Non-QM opportunity, and fair lending review.
Explore 138 million mortgage records across eight years, enriched with Census and NMLS context.
ONE DATA FOUNDATION · TWO CRITICAL WORKFLOWS
Use the same loan-level data to size markets, benchmark lenders, and screen fair lending patterns from national views to individual census tracts.
MORTGAGE MARKET INTELLIGENCE
Measure market share, lender growth, borrower mix, pricing, products, channels, purchasers, and local opportunity at any geography.
FAIR LENDING SCANNING
Screen geographic coverage, underwriting, pricing, marketing, and steering, then compare results with relevant peers and market context.
Designed for screening and investigation. HMDAVision helps teams identify patterns, build comparisons, and focus review. Legal and compliance conclusions remain a matter for qualified institutional judgment.
MARKET WORKFLOW
HMDAVision lets analysts move quickly between market size, competitors, borrowers, pricing, products, and geography. The same filters travel across the analysis, so the evidence stays comparable.
Find the largest and fastest-growing lenders
Compare borrower and product mix
Inspect rates, costs, and pricing patterns
Benchmark custom peer groups
FAIR LENDING WORKFLOW
Review redlining, underwriting, pricing, marketing, and steering from one loan-level evidence base. Compare applicant outcomes, neighborhood coverage, product mix, and relevant peers before deciding where deeper analysis belongs.
QUESTIONS HMDAVISION ANSWERS
01
Rank lenders by originations or volume, compare market share, and see who is gaining or losing ground.
02
Track changes by geography, purpose, product, borrower segment, channel, and time period.
03
Compare rates and upfront costs across lenders and borrower groups while keeping loan characteristics visible.
04
Review applications, approvals, denials, and underwriting outcomes across selected populations and products.
05
Compare geographic coverage and application activity with minority, LMI, and broader market opportunity.
06
Build relevant peer groups, then compare lending footprints, borrower mix, pricing, and outcomes.
TRANSPARENT DATA FOUNDATION
HMDAVision uses familiar public and regulatory data, then makes it practical to compare markets, lenders, borrowers, and outcomes.
HMDA
Applications, originations, action taken, pricing, loan characteristics, borrower information, geography, purchasers, and lender identity.
CENSUS + FFIEC
Demographic and geographic context supports market analysis, minority and LMI coverage review, and tract-level comparisons.
NMLS
Licensing data adds institutional and loan-originator context for productivity, tenure, and market comparisons.
METHODOLOGY
Filters, definitions, and source data stay visible so teams can reproduce a question, explain the result, and investigate further.
USED IN PRACTICE
“HMDAVision is our go-to-tool for HMDA data. We like how quickly the data becomes available, that it’s reliable and accurate and that the interface is very easy to use.”
Nicole Yung
Senior Partner, STRATMOR Group
HMDAVISION FAQ
HMDAVision is a loan-level mortgage market intelligence and fair lending analytics platform from Polygon Research. It helps mortgage professionals analyze market share, lenders, borrowers, products, pricing, geography, peer performance, and fair lending patterns using HMDA data enriched with Census and NMLS context.
HMDAVision can size a market, rank lenders, compare market share and growth, analyze borrower and product mix, review pricing, study Non-QM activity, build peer groups, and drill from national trends to local geographies. Its purpose is to turn raw HMDA records into usable competitive and strategic intelligence.
HMDAVision supports screening for redlining, underwriting, pricing, marketing, steering, minority and LMI market coverage, and peer parity patterns. It helps teams identify where a deeper review may be warranted; it does not replace legal or compliance judgment.
HMDAVision is built on loan-level Home Mortgage Disclosure Act data and enriched with Census and FFIEC demographic context plus NMLS licensing data. The platform currently provides eight years of modern HMDA history beginning in 2018.
Users can move from national and state views into metro areas, counties, ZIP codes, and census tracts, then filter by lender, borrower, loan purpose, product, pricing, purchaser, and other HMDA dimensions.
Yes. Users can create relevant lender and peer groups and compare market presence, borrower mix, applications, approvals, pricing, products, geographic coverage, and outcomes over time.
Yes. HMDAVision can isolate Non-QM activity and examine volume, lender rankings, borrower characteristics, product features, purchaser types, geography, and trends to support market sizing and competitive analysis.
HMDAVision is the loan-level mortgage intelligence application inside Polygon Vision. Polygon Vision connects it with CensusVision, TerraVision, and BranchVision for a broader view of lending, communities, hazard exposure, and physical market presence.
BRING A REAL QUESTION
Start with the market, lender, borrower segment, or fair lending question that matters to your team. HMDAVision provides the evidence to investigate it.