HMDAVision

HMDAVision is a loan-level mortgage analytics application built on HMDA data. It helps professionals analyze lending activity, borrower outcomes, pricing, competition, and fair lending signals using transparent, explainable views rather than rankings or black-box scores.

HMDAVision includes 124+ million mortgage applications and originations, based on loan-level HMDA data from 2018 through the most recent release. This scale allows for robust analysis across lenders, geographies, borrower segments, and market cycles. (Updated December 2025.)

HMDAVision is built on loan-level HMDA data and enriched with Census demographic context and NMLS licensing data. These sources provide borrower, household, geographic, and institutional context while preserving transparency and regulatory familiarity.

The CFPB’s HMDA Data Browser is a valuable public tool for viewing and downloading HMDA data. HMDAVision builds on the same underlying HMDA Loan Application Register (LAR) data but is designed for analysis rather than lookup. It provides loan-level controls, comparative views, market segmentation, pricing and cost analysis, fair lending signal exploration, and integrated Census and NMLS context—making it easier to ask and answer real strategic and compliance questions without manually exporting and reconciling data.

HMDAVision includes multiple years of modern HMDA data starting in 2018, when HMDA reporting expanded in depth and usability. This allows users to measure change over time, compare market cycles, and distinguish short-term volatility from structural trends.

Yes. HMDAVision incorporates NMLS licensing data covering 350,000+ loan originators per year, beginning with the 2018 HMDA cycle through the most current HMDA release. This provides important institutional and workforce context when interpreting lending activity and outcomes.

HMDAVision is updated monthly to capture HMDA corrections and late filings. While HMDA Loan Application Register (LAR) data is released annually—typically in March, with a stabilized snapshot in June—monthly updates ensure users are working with the most complete and accurate version of the data available.

HMDAVision is one of the core applications within the Polygon Vision suite. It can be used on its own for loan-level HMDA analysis, or alongside other Polygon Vision apps to connect borrower outcomes with demographics, market structure, and distribution strategy.

The HMDAVision free trial lasts 7 days and provides access to the full application experience. Trial data is offset by one year from the paid version. You can cancel anytime during the trial to avoid being charged.

HMDAVision is designed for real analytical questions—such as who is borrowing, how borrowers are priced, where competition exists, and where outcome differences may warrant review. It supports redlining, underwriting, pricing, and marketing analysis using controlled, loan-level views.