iEmergent is a go-to source for housing and mortgage data.
iEmergent’s forecasts quantify the mortgage opportunity and identify market behavior metrics for all geographic markets and many market segments nationwide. Every 5-year forecast projects the mortgage loans, mortgage dollar volume, and loan sizes for each year. Other metrics describe other important market behavior, such as speed of growth and purchase mortgage density, as well as data that describes the different competitive landscapes across markets.
iEmergent produces forecasts that span all geographic levels—from the entire U.S. down to neighborhoods and specific zones composed of groups of census tracts. Coverage is complete, which means that there are not any metropolitan or rural areas that are missed. Market Segments
The forecasts also cover various market segments, based on loan type, loan sizes, borrower demographics, loan purpose, and other custom groupings. Specific forecasts include:
Numbers and Metrics
iEmergent’s forecasts, in combination with other household and economic demographics, produce a wide range of relevant market and market segment metrics that are used by lenders to make market comparisons and assign market priorities. Some of these metrics include:
iEmergent gets actual mortgage data annually from the FFIEC through the Home Mortgage Disclosure Act (HMDA), which requires financial institutions to maintain and annually disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications involving 1 to 4 unit and multifamily residential homes. Thus, nearly every loan and loan application made in the U.S. is recorded in this database. iEmergent provides historical data from HMDA dating back to 2001.
iEmergent's standard historical reports include HMDA unit and dollar totals for all purchase and refinance loans, as well as the totals for specific segments, including loan type segments, borrower race/ethnicity segments, loan size segments, and income group segments.
Behind our forecasts are a variety of data, including household and economic demographic data like household and housing data from the Census and American Community Survey and employment data from the Bureau of Labor Statistics. At a basic level, iEmergent provides general household and homeowner counts and growth rates.