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County market reports — public samples

Every figure comes from public CFPB/FFIEC HMDA loan-level filings — the same data behind the lender market page — filtered to a true apples-to-apples cohort and aggregated by county. These three samples are complete, current reports, public so anyone can judge the work. No lender pays to appear in a report, and no lender can pay to change a figure, a ranking, or a suppression rule — a lender may buy a report, and buying changes nothing inside it.

CountyCohort loans
Los Angeles 13,240 Open the full report
San Diego 8,659 Open the full report
Ventura 1,741 Open the full report

23,640 loans across the three sample cohorts. Reports are available for all 39 California counties with a publishable cohort. Reports are a paid service for lenders — flat fee, never tied to referrals — and consumers never pay for anything here.

Hearthline — demonstration build with real public data. Rates, loan limits, mortgage-insurance and funding-fee figures come from cited primary sources (see Sources). Demo companies, people and loan files are clearly labeled sample data; anything you enter under your own account is yours — real, private to you, and still never a loan offer, a rate quote, or financial advice. No lender is connected, and this build is not a system of record for lending, disclosures, or compliance.