Homethinking cracks Fed's loan database

Would-be home buyers now have easy access to a database of millions of mortgage applications through Homethinking.com, helping them see lenders who have the biggest presence in their market and details about the loans they've made.

Providing a user-friendly way to access the Federal Reserve's Home Mortgage Disclosure Act (HMDA) database could help home buyers and real estate professionals choose a lender, and determine how past lending practices may affect particular markets as the credit crunch continues, said Homethinking LLC founder Niki Scevak.

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