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Become Data-Driven Housing Leaders

What You Will Learn

The focus is on data-driven understanding of mortgage products

  • Transform market insights into product features.

  • Understand mortgage products in the market context.

  • Build metrics to estimate loan products potential in local markets.

Curriculum Overview

  • Introduction and Overview of Loan Products

    This section introduces you to the range of mortgage loan products. We discuss the difference between product and program, and give you a perspective of the nature of mortgage loan product development.

  • Loan Features

    Loan features are fundamental elements like interest rate, payment type, and loan term. They affect monthly payments and total cost. Structural components like lien position and down payment requirements impact the lender's risk position. In this section, we will go over the key loan features, and we'll discuss how are they defined in HMDA LAR data and how they can be analyzed using HMDAVision.

  • Deep Dive in Conventional and Government Loans

    This section gives a deeper understanding of the conventional loan segment and the government products, especially FHA loans. We equip you with a methodology of interpreting real example of mortgage products with data in HMDA LAR (with HMDAVision).

  • Qualified Mortgages (QM)

    Learn how to use available public HMDA LAR to estimate Non-QM/QM market size, analyze lending patterns and assess credit availability across various dimensions including but not limiting to borrower demographics, geography and more.

  • Special Purpose Credit Program (SPCP)

    Learn what is SPCP, and know the sources of regulatory guidance. Students will learn the steps needed to establish SPCP. They will be able to articulate the key elements of a written plan.

  • Mortgage Product Development

    This lesson will guide participants through the process of developing mortgage loan products, leveraging HMDAVision to conduct market analysis, identify opportunities, and refine product offerings. Participants will learn to design products that balance borrower needs, regulatory compliance, and investor expectations.

FAQ

  • Who is this course designed for?

    This course is ideal for mortgage professionals, including lenders, analysts, compliance officers, product managers, underwriters, and anyone in housing finance who needs to understand mortgage products and leverage HMDA data for analysis and strategy.

  • Do I need deep HMDA expertise before starting?

    No, deep prior expertise isn't required. The course teaches you how to interpret and use HMDA LAR data specifically for product analysis. Familiarity with basic mortgage concepts is helpful.

  • Include questions a potential student may have before purchase.

    The course extensively uses HMDAVision examples to demonstrate practical data analysis. Access to HMDAVision is recommended for maximum benefit but not required to understand the concepts demonstrated.

  • How is this course different from other mortgage product courses?

    Our unique value lies in directly connecting mortgage product knowledge with practical, real-world HMDA data analysis techniques, utilizing examples from tools like HMDAVision to provide actionable insights.

  • Will I get a certificate after finishing?

    Yes, upon successful completion, you will receive a downloadable Certificate of Completion from Polygon Research Academy.

  • You get 12 months access to the course materials from your date of enrollment.

Instructor

Certified Mortgage Banker Val Buresch

Val Buresch is a seasoned mortgage banker with a deep understanding of the challenges and opportunities facing mortgage lenders in the evolving regulatory, technology, and market mortgage landscape. With a foundation in fair lending analytics using loan-level HMDA data and market intelligence derived from loan-level MBS data, Val brings a unique perspective to the intersection of mortgage, housing, and financial stability. Specifically, she develops and builds interactive intelligence solutions using American Community Survey (ACS) and ASEC microdata (PUMS), uncovering critical trends in relocation patterns, home insurance affordability, property values, and demographic shifts. Val combines her broad analytics experience with a passion for empowering stakeholders with the knowledge and tools they need to navigate the ever changing mortgage market. She is committed to helping financial institutions make data-driven decisions that protect their members and communities. Val's passion for education and social impact is expressed through her contributions to the MBA education initiatives and her philanthropic work with various non-profits, including founding ROSSCA (arts), Board Member of With Y’All Foundation (Veterans), Chairman and Board member of CMB Society at the MBA, and contributing to PRoTechos (rebuilding hurricane-damaged roofs and providing related vocational training in Puerto Rico). Val holds an MBA from the University of Maryland's Robert H. Smith School of Business and a BA from the American University in Bulgaria.

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