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Early access — pending counsel review

These are our operative terms and we hold ourselves to them. They have not yet been reviewed by external counsel and MortRadar is in early development, so they may change; material changes are notified before they take effect and the version identifier on each document changes with them. Nothing here is legal advice.

Disclaimer

Version 2026-08-02 · effective 2 August 2026

No professional advice

Everything in MortRadar is general information about mortgage markets. It is not financial, investment, legal, tax, accounting or compliance advice, it is not an offer or solicitation to buy or sell any security or loan, and it is not a recommendation about any institution. Consult qualified professionals before acting on anything you read here.

Not a consumer report

MortRadar is not a consumer reporting agency and the Service is not a consumer report. It must not be used, in whole or in part, to decide any individual's eligibility for credit, insurance, employment, housing or any other purpose regulated by the Fair Credit Reporting Act.

Fair-lending analytics are statistical, not legal, findings

Fair-lending views compare public HMDA outcomes across demographic groups, using public Census data for context. A disparity shown by those views is a statistical observation about published data — it is not a determination, allegation or evidence that any institution has discriminated or violated any law. HMDA data does not contain the credit and underwriting variables that explain most lending outcomes, so no causal conclusion can be drawn from it alone.

Data accuracy, timeliness and derivation

The Service is built on periodic loads of public datasets, each with its own publication cadence and its own last-loaded date, both published on our status board. It is not a real-time feed. Public data contains errors, omissions and subsequent revisions, and our derived figures — aggregations, benchmarks, prepayment and delinquency metrics, and cross-source company matches — carry those forward and add modelling assumptions of their own. Figures may differ from an institution's own reporting. Where we do not have data we show an honest gap rather than a fabricated value. Everything is provided "as is", without warranty of any kind.

Entity matching is probabilistic

A single company is assembled by matching identifiers across NMLS, HMDA respondent records and Ginnie Mae issuer numbers. Matching is inherently probabilistic: an incorrect or missing link can attribute activity to the wrong entity or omit it entirely. Verify any company-level conclusion against the underlying public filings before relying on it.

No government affiliation or endorsement

MortRadar is an independent product. It is not affiliated with, sponsored by, endorsed by or approved by the CFPB, FFIEC, Ginnie Mae, HUD, FHFA, NCUA, the Federal Reserve, Fannie Mae, Freddie Mac or any other agency or enterprise. Per-source notices, including the non-endorsement language some publishers require, are on the Data Attribution page.

Limitation of liability

To the maximum extent permitted by law, MortRadar is not liable for any decision made or action taken in reliance on the Service. The full limitation, including its cap, is in section 10 of the Terms of Service.