Dataset Descriptions

Megan Horn -

Mortgage MarketSmart provides access to forecasts and historical HMDA reports for many mortgage market segments. See the table and descriptions below for an overview of the geography and basic data that are included with each dataset.

iEmergent Dataset Descriptions

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Basic Data & Forecast Datasets

All Occupancy Purchase Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, all-occupancy purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Owner-Occupied Purchase Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Non Owner-Occupied Purchase Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, non owner-occupied purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, non owner-occupied, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Refinance Loan Forecast & Data

Forecast: Two-year forecast by iEmergent of a range of expected refinance loans; includes loan and dollar projections, refinance average loan sizes. Excludes manufactured homes. Upon request, iEmergent will provide 5-year refi range estimates.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan purpose=refinance loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA 

Loan Type Data & Forecast Datasets

Federal Housing Authority (FHA) Loan Type Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, Federal Housing Authority (FHA) purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan type= FHA, loan purpose=purchase loans.

HMDA Geographies: Census Tract, County, CBSA

Veterans Administration (VA) Loan Type Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, Veterans Administration (VA) purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan type=VA, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Farm Services Agency (FSA) Loan Type Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, Farm Services Agency (FSA) purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan type=FSA, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Conventional Loan Type Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, conventional purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, loan type=conventional, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Borrower Race/Ethnicity Data & Forecast Datasets

Black/African-American Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans by primary borrower of Black/African-American race (both Hispanic and Non-Hispanic ethnicity); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, primary applicant race = Black/African-American, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Hispanic Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans by primary borrower of Hispanic ethnicity (all Hispanic races included); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, primary applicant ethnicity = Hispanic, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Asian Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans by primary borrower of Asian race (both Hispanic and Non-Hispanic ethnicity); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, primary applicant race = Asian, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

White/Caucasian Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans by primary borrower of White/Caucasian race (both Hispanic and Non-Hispanic ethnicity); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, primary applicant race = White/Caucasian, loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Pacific Islander-Native American Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans by primary borrower including the following racial categories: American Indian, Native Alaskan, Native Hawaiian, Pacific Islander. Includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, primary applicant race categories = American Indian, Native Alaskan, Native Hawaiian, Pacific Islander; loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Borrower Income Level Ranges Datasets                 

Low to Middle Income (LMI) Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the low (calculated as 40% of the FFIEC’s MSA median family income) and middle (calculated as 80% of the FFIEC’s MSA median family income) borrower income categories. This dataset includes loan and dollar projections, purchase average loan sizes, and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans whose borrower demographics match those listed above. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Upper Income (UI) Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the upper (>80% to <120% of the FFIEC’s MSA median family income) income category. This dataset includes loan and dollar projections, purchase average loan sizes, and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans whose borrower demographics match those listed above for UI borrowers. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

High Income (UI) Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the high(>120% of the FFIEC’s MSA median family income) income category. This dataset includes loan and dollar projections, purchase average loan sizes, and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans whose borrower demographics match those listed above for HI borrowers. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Low Income Range Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the low income range ($15,000 - $35,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans with a borrower income in the low range ($15,000 - $35,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Moderate Income Range Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the moderate income range ($35,000 - $50,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans with a borrower income in the moderate range ($35,000 - $50,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Middle Income Range Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the middle income range ($50,000 - $100,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans with a borrower income in the middle range ($50,000 - $100,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Upper Income Range Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the upper income range ($100,000 - $150,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans with a borrower income in the upper range ($100,000 - $150,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

High Income Range Borrower Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for borrowers whose income falls in the high income range ($150,000+); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans with a borrower income in the high range ($150,000+). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Loan Size Range Data & Forecast Datasets

Jumbo Loan Size Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied, non-conforming (as defined per MSA by the FHFA for 2015) purchase loans; includes loan and dollar projections, purchase average loan sizes, and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family home, owner-occupied, non-conforming (as defined per MSA by the FHFA for 2015) loan purpose=purchase loans. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Low Loan Size Range Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for loan sizes in the low range ($25,000 - $75,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans in the low loan size range ($25,000 - $75,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Moderate Loan Size Range Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for loan sizes in the moderate range ($75,000 - $150,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans in the moderate loan size range ($75,000 - $150,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Middle Loan Size Range Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for loan sizes in the middle range ($150,000 - $275,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans in the middle loan size range ($150,000 - $275,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Upper Loan Size Range Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for loan sizes in the upper range ($275,000 - $419,000); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans in the upper loan size range ($275,000 - $419,000). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

High Loan Size Range Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans for loan sizes in the high range ($417,000+); includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior and competitive landscape metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family, owner-occupied, loan purpose=purchase loans in the high loan size range ($417,000+). Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

Specialty Data & Forecast Datasets

First Time Homebuyer Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, first time homebuyer purchase loans; includes loan and dollar projections, purchase average loan sizes, standard iEmergent market behavior metrics.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Not available. First Time Homebuyer data is not collected through HMDA reporting.

CRA Opportunity Totals Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans that fall within CRA-eligible census tracts; includes loan and dollar projections, purchase average loan sizes and standard iEmergent market behavior metrics. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Historical report of loans, dollars and average loan sizes, dating back to 2001 through most recent HMDA results year. Includes all loans coded in HMDA as originated, single-family home, owner-occupied, loan purpose=purchase loans within CRA-eligible tracts. Excludes manufactured homes.

HMDA Geographies: Census Tract, County, CBSA

New Home Sales Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family new home sales; includes loan and dollar projections, purchase average loan sizes and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: County, CBSA

HMDA Report: Not available. New Home (New Construction) Sales data is not collected through HMDA reporting. 

High Net Worth Borrower/Loan Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans with a borrower income greater than or equal to $400,000 and a loan amount of greater than or equal to $400,000; includes loan and dollar projections, purchase average loan sizes and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report: Not available. High Net Worth data is not collected through HMDA reporting. 

Custom Borrower Income Range Forecast & Data

Forecast: Five-year forecast by iEmergent of single-family, owner-occupied purchase loans with a borrower income in a range determined by the client. Includes loan and dollar projections, purchase average loan sizes and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report:Available from HMDA per the parameters chosen by client.

Custom Loan Size Range & Data

Forecast:Five-year forecast by iEmergent of single-family, owner-occupied purchase loans whose loan size range is determined by the client. Includes loan and dollar projections, purchase average loan sizes and standard iEmergent market behavior. Excludes manufactured homes.

Forecast Geographies: Census Tract, County, CBSA

HMDA Report:Available from HMDA per the parameters chosen by client.

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