For lenders — county market reports
A defined compilation service: county-level mortgage-market analysis built from public HMDA loan-level filings. You get where the closed-loan volume is and how the biggest lenders in your county actually priced against each other — from the same public data your competitors' analysts could compile, already done and kept current.
What a report contains
- One California county, most recent complete HMDA vintage, cohort-filtered (30-year fixed, primary residence, site-built, consumer-purpose) so every comparison is apples-to-apples.
- Closed-loan volume and cost medians for the 14 large covered lenders — median rate, total loan costs, and points/credits by loan type — with cells under 50 loans suppressed rather than reported thin. It is deliberately not market share: the public dataset holds only the covered lenders' own filings, and the report says so. In the 13 thin-market counties the report says that on its face too, and gives the county market summary plus the statewide comparison instead of per-lender medians it can't stand behind.
- Methodology appendix citing every filter, so your compliance team can reproduce any figure from the public data.
- Delivered as a self-contained document. Three complete samples are public — judge the work before ever talking to us.
Pricing: flat, and severed from volume on purpose
Pilot pricing is a flat $149 per month per county — final terms live in a written services agreement that goes to California counsel for review before anyone signs. The fee never varies with referrals, leads, or closed loans, because there are none: Hearthline does not refer borrowers to anyone. Buying a report also changes nothing about how your institution appears on our consumer pages — consumer-facing code cannot reference the compensation field, and lenders there rank only as the public data dictates.
What this is not
Not referrals, not leads, not placement, not endorsement, not access to any consumer's information. A report is compilation work actually performed on public data — nothing else changes hands.
Request a conversation
This form requests a conversation, not a purchase — the founder will reach out at the address you give. It creates no agreement and no obligation.