Mortgage Data Hub
AD Mortgage data, market research, and borrower insights for mortgage professionals, media, and analysts
Affordability • September 09, 2026
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FAQ: Mortgage Market Report
- Overview
- Data Sources
- Our Data Hub
- Access & Usage
- Community Surveys
What is mortgage data?
Mortgage data covers the numbers and trends that describe how the mortgage market behaves. This includes interest rates, loan origination volumes, borrower credit profiles, housing affordability, and lender activity across different states and time periods.
This data comes from a mix of sources: government agencies, credit bureaus, industry surveys, and lenders who track and publish their own loan activity. Researchers and analysts combine these sources to spot patterns, such as how credit scores affect borrowing costs or how rates move across regions.
Mortgage professionals use this data to track market shifts, compare local conditions to national trends, and support conversations with clients using numbers instead of guesswork. For journalists and analysts, mortgage data provides a factual basis for reporting on housing and lending trends.
Is mortgage data the same as mortgage rate data?
No. Mortgage rate data is one part of mortgage data, but it’s not the whole picture.
Mortgage rate data covers how interest rates move and what can affect them. Mortgage data is broader – it includes rates, but also covers loan volumes, borrower credit profiles, housing affordability, technology adoption, and more. A report on AI usage among brokers, for example, has nothing to do with rates, but it’s still mortgage data.
Why does mortgage data matter for mortgage professionals?
Mortgage data turns guesswork into specifics. Instead of saying rates “seem high” or clients “seem hesitant,” you can show numbers that back it up.
This matters in several ways. With clients, data helps explain decisions, like why waiting a few months to improve a credit score could save thousands. With your own business, data shows where the market is heading and how your peers are adapting, whether that’s new technology or shifting borrower behavior.
Data also supports your visibility. Brokers who reference current research in their content or conversations come across as informed and current.
Is mortgage data public?
Some mortgage data is public, and some is not. Public sources include HMDA data, Census Bureau income figures, and some others. Anyone can access these, though the raw files are often large and hard to use without processing.
Other mortgage data stays private. This includes, for instance, a lender’s internal loan numbers or proprietary survey results.
In the AD Mortgage Data Hub, every report is open and free to access. We turn public datasets into clear, ready-to-use reports. Also, we run our own surveys and then publish those findings openly.
Where can I find mortgage data?
Mortgage data is published by government agencies, credit bureaus, real estate platforms, and lenders.
The AD Mortgage Data Hub gathers research from these sources, alongside our own broker surveys, all in one place. You can browse reports by topic, view summaries, explore our interpretation, and download full PDFs for your professional use.
If you need something specific, the filters above let you narrow by category, such as affordability, rates, or borrower behavior.
How is AD Mortgage’s mortgage data different from HMDA or NMDB data?
HMDA and NMDB are large government datasets. HMDA covers loan-level details for most mortgage applications in the US, reported by lenders each year. NMDB is a sample of mortgages drawn from credit records, used mainly by researchers and regulators.
Both datasets are available as raw files with millions of records, created for technical analysis rather than quick reading. Some agencies publish summary reports based on this data, but these summaries are usually broad and not tailored to a broker’s day-to-day questions.
At AD Mortgage, we either analyze datasets like these and present the findings in plain language for brokers, or we collect new data directly through our own surveys, which HMDA and NMDB do not cover at all.
If you need raw, loan-level data for your own analysis, HMDA and NMDB are a great starting point. If you need a quick and readable summary or broker-based insights, the AD Mortgage Data Hub will help you with that.
What kinds of mortgage data can I find in AD Mortgage’s Data Hub?
The Data Hub includes two types of research.
The first is original survey data collected directly from mortgage brokers and industry professionals. It captures what practitioners are experiencing on the ground, like how they use AI tools or what they expect from the market.
The second is analysis of publicly available sources. We take raw government and industry data and convert it into reports that brokers can use directly, with the methodology included.
Both types cover market trends, technology, borrower behavior, loan programs, and more. You can filter by topic or year to find what’s relevant to you.
How often is the mortgage data updated?
At AD Mortgage, we publish new reports regularly, usually about once a month. Each one covers a fresh topic, drawing on current survey responses or the latest available public data.
Do I need to sign up to view or download reports?
To download a report, you need to fill out a short form, but the detailed overview is available for everyone without signing up.
Can I use AD Mortgage data in my own reports or articles?
Yes. Our research is free to use in articles or presentations, as long as you credit AD Mortgage as the source.
When citing a report, include the source name, report title, and publication date. For example: Source: AD Mortgage, “Credit Score vs. Mortgage Cost,” February 2026.
If you’re working on a media piece and need a quote from our team, or want to confirm a methodology detail, please reach out through our press contact form.
Can I participate in AD Mortgage surveys?
Yes, you can. We run surveys throughout the year, and the results feed directly into our research. Anyone working in mortgage or real estate can take part.
To join, use the survey form on this page. We use responses for research only and don’t share individual answers publicly. If you have a topic you’d like us to study, you can also suggest it through the form above.
How does AD Mortgage collect survey-based mortgage data?
We announce each survey through email, social media, our blog, and this page. If you are a partner, you can also ask your Account Executive about ongoing surveys.
Every survey has its own landing page with a mix of open and closed questions. Participants leave an email address and earn points in our ADvantage loyalty program for taking part.
Most surveys take 5 minutes or less to complete. Each one focuses on a single topic, such as technology adoption or market sentiment.
Responses are anonymous and used for research only. We then analyze the results and publish them as a report, with the methodology included so readers can see how we gathered the data.
If you’d like to take part in an upcoming survey, use the form on this page.