Using Market Data To Answer Real Business Questions With Peer+ Dashboards

Peer+ transforms market data into a set of purpose-built dashboards designed to support real-world questions and conversations. Each dashboard represents a common scenario where leaders need clarity around mortgage performance, market dynamics, fairness, efficiency, or risk.

This guide provides an overview of those dashboards and the use cases they support. Each section explains what the dashboard is designed to show, why it matters, and how it fits into broader leadership, strategic planning, and oversight conversations. Use this guide as a roadmap to connect HMDA data to the decisions you are trying to make.

Available with a Peer+ subscription. Want to learn how to gain access? Schedule a conversation with your Callahan Advisor here.

Jump to a section to learn more:

Mortgage Product Reports
Fair Lending
Mortgage Insights (HMDA)
Branch & Deposit Market Displays

Mortgage Product Reports

The Mortgage Product Reports provide a comprehensive view of mortgage production across first and subordinate liens, helping leadership understand overall performance and competitive position. These dashboards answer questions like: Where is mortgage growth coming from, where is share being gained or lost, and how does our product mix compare to the broader market?

Overview (Mortgage Product Reports)

This dashboard gives executives a high-level view of the credit union’s mortgage production performance and competitive position. By summarizing funded volume, units, market share trends, and product mix (lien position, purpose, occupancy, structure, and channel characteristics), it helps leadership quickly understand what is driving growth, where the institution is gaining or losing share, and how its portfolio composition compares to the broader market. This insight supports strategic decisions around product focus, market demand, pricing, and capital allocation.

First Lien Dashboard (Mortgage Product Reports)

A first mortgage is often the foundation of a member’s financial position. Their largest loan, financing their largest asset. This dashboard isolates first-lien activity to provide an overview of the institution’s core first mortgage business. By filtering out subordinate lien and specialty segments, executives can assess true mortgage performance, track market share trends, and evaluate whether the credit union is competitive in this dominant lending category. This helps leadership refine growth targets, evaluate frontline execution, and ensure resources are aligned with the highest-impact production opportunities.

Subordinate Lien Dashboard (Mortgage Product Reports)

This dashboard focuses specifically on second liens and junior-lien lending (e.g., home equity loans and junior-position purchase) so executives can understand performance in a segment with different risk, pricing, and member-use dynamics than first liens. By tracking volume, market share trends, purpose, and occupancy mix, loan amounts, and how the credit union compares to competitors in subordinate-lien lending, it helps leadership assess whether this product is being used effectively to deepen member relationships, retain borrowers who might otherwise go elsewhere for equity access, and manage portfolio risk and margin. The insight supports decisions on home equity strategy, pricing/terms, underwriting standards, and cross-sell initiatives tied to existing homeowners.

Fair Lending

The Fair Lending dashboards help leadership understand who the credit union is reaching through its mortgage lending and where gaps may exist. They support questions such as: Are lending outcomes consistent across demographic groups? Are there emerging areas of compliance risk, and where are opportunities to expand equitable access to credit?

Race & Ethnicity Dashboard (Fair Lending)

This dashboard helps executives monitor lending outcomes across racial and ethnic groups to support fair lending oversight and Community Reinvestment objectives. By comparing applications, approvals, denials, pricing, loan size, and market share against census demographics, leadership can identify potential disparities, emerging compliance risk, or underserved segments. The information supports proactive risk management, regulator readiness, and strategic initiatives to expand equitable access to credit.

Age Dashboard (Fair Lending)

This dashboard evaluates lending activity across borrower age groups to identify demographic gaps and growth opportunities. By comparing application volume, approval outcomes, and market share against population benchmarks, executives can assess whether the credit union is effectively reaching first-time buyers, younger households, or aging members. The insights support product design, marketing strategy, and long-term member lifecycle growth.

Mortgage Insights (HMDA)

The Mortgage Insights dashboards bring together application efficiency, credit decisioning, and market affordability to tell the story behind your mortgage performance. They help answer questions like: Where are applications breaking down in the process, how are underwriting decisions impacting growth and risk, and how are market conditions influencing borrower behavior and demand?

Pipeline Efficiency Dashboard (Mortgage Insights -HMDA)

This dashboard measures how effectively mortgage applications convert into funded loans relative to the market. By tracking approval rates, pull-through, fallout, denial trends, and performance by loan type or purpose, executives can identify operational bottlenecks, underwriting friction, or competitive execution gaps. These insights help leadership improve cycle times, optimize underwriting strategy, and increase funded volume without increasing application volume.

Market Stress & Affordability Dashboard Mortgage Insights -HMDA)

This dashboard connects external economic conditions to mortgage demand and borrower behavior. By combining census data (home prices, unemployment, homeownership) with HMDA trends (loan size, LTV, product mix, rate sensitivity), executives can assess how affordability pressures and interest rate movements are impacting volume, risk profile, and product demand. This supports a forward-looking strategy around pricing, credit policy, product design, and growth expectations in changing market environments.

Decisioning Report Dashboard (Mortgage Insights -HMDA)

This dashboard provides deep insight into underwriting outcomes and credit risk drivers. By analyzing denial rates, reasons for denial, DTI and LTV distributions, preapproval outcomes, and performance versus the market, executives can identify whether credit policy, risk tolerance, or operational practices are constraining growth or increasing risk. The information supports balanced decision-making between growth and credit quality, improves policy calibration, and strengthens regulatory and fair lending defensibility.

Branch & Deposit Market Displays

This dashboard shows how the credit union’s branch footprint translates into deposit growth and market penetration relative to competitors. It helps leaders answer questions like: Are we physically present in the right markets, which locations are driving results, and where are competitors gaining an advantage?

Branch & Deposit Market Footprint

This dashboard helps executives evaluate how the credit union’s physical presence and branch strategy translate into deposit growth and market penetration relative to competitors. By mapping branch locations, comparing branch counts and geographic coverage, and analyzing deposit volume, growth trends, and deposits per branch by market area, leadership can identify where the institution is over- or under-represented, which locations are driving the strongest results, and where competitors are gaining traction. These insights support strategic decisions around branch expansion, consolidation, relocation, and investment in specific markets, while also informing broader distribution strategy (physical vs. digital) to optimize deposit attraction and long-term funding stability.