To grow business and serve underserved communities, mortgage lenders need real-time insights that help them identify untapped markets and build strategic partnerships. Daily real estate data, integrated from MLS and public records, offer a powerful tool for lenders to uncover these opportunities. With the right data, lenders can easily pinpoint where they’re missing out, target high-growth areas, and connect with key players like real estate agents, loan officers, and community partners. By leveraging this intelligence, lenders can drive expansion into new markets and better serve diverse homebuyers, ensuring their services reach every corner of the communities they aim to grow.

iEmergent’s Mortgage MarketSmart contains two primary types of real estate data: property listings sourced from multiple listing service (MLS) databases and property records obtained from public sources such as county tax assessors, homeowners associations, and county recorders.

Mortgage MarketSmart allows users to sort and filter listing data from the top 300 MLS providers by:

In addition, users can view contact information for each listing’s agent and see a snapshot of that agent’s total listings, total sales, average number of days on market, and average sale price over the last 12 months.

Public records property data is available for a vast majority of counties, covering 94% of the U.S. population. These records can be filtered and sorted according to:

In addition, users can view contact information and work history for the mortgage loan officer involved in each transaction and can rank their volume and units relative to peers within a specified geography and for specified loan parameters.

Let’s look at an example of how Mortgage MarketSmart turns daily real estate data into actionable intelligence that lenders can use to meet their growth objectives.

Imagine that ABC Mortgage wants to originate more loans in Atlanta’s majority-minority census tracts (MMCTs). Although the company has more than four dozen branches around metro Atlanta, many of them are located on the north side, where many of Atlanta’s most affluent neighborhoods are found—and where the majority of homeowners are white.

Leadership is mildly concerned that the lopsided distribution of ABC Mortgage’s services could constitute unintentional redlining. However, after reading iEmergent’s Atlanta market analysis, executives are even more concerned that ABC Mortgage may be missing out on the tremendous business potential represented by Atlanta’s Black, Asian, and Hispanic homebuyers, who will together account for nearly 43% of the city’s total purchase activity over the next three years.

With just a few clicks, Mortgage MarketSmart users can zoom in on the Atlanta market, identify all of the metro area’s MMCTs (represented in green), and overlay ABC Mortgage’s current branch locations (represented as yellow stars) and recent loan originations (represented as orange dots):

The gaps in ABC Mortgage’s origination activity are fairly stark. It takes just seconds for ABC’s leaders to zero in on five areas that have very few originations and no branch locations:

Using Mortgage MarketSmart’s daily real estate data, ABC Mortgage can see exactly what homes are currently for sale in Atlanta’s MMCTs, conveniently color coded by listing price. While it’s clear that some of Atlanta’s highest home values (represented by red diamonds) are in the northern suburbs, there are plenty of active properties for sale in the five target areas ABC Mortgage has identified for growth:

Filtering this view down to just listings posted in the last 14 days gives ABC an even more focused view:

Each of these listings contains valuable intelligence ABC Mortgage can use to build its business. For instance, the ABC Mortgage leadership team might decide to assign each of its five target areas to a different loan officer. With just a few clicks, leadership can export a list of all the active listings in each area, complete with contact details for each listing agent—or ABC Mortgage can give its loan officers direct access to Mortgage MarketSmart so they can pull the data for themselves.

Mortgage MarketSmart can also deliver a ranked list of the top agents and originators in each census tract based on performance over time, making it easy to connect with potential referral partners and recruit loan officers who are already aligned with ABC Mortgage’s lending goals.

Daily real estate data is just the tip of the iceberg. Learn more about our full suite of mortgage market intelligence solutions by scheduling a demo of Mortgage Marketsmart today.