datasets
Training and evaluation data, with the modality, task and licence stated up front. Listed live from the Hugging Face Hub.
loan-comparison-scenarios
Loan Comparison Scenarios
200+ loan comparison scenarios: FHA vs Conv, VA vs FHA, USDA vs FHA, ARM vs Fixed.
Details
Records: 204
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Tate Thompson, NMLS #2473962
Publisher: Good News Lending
Thompson Alpha Logic
Side-by-side program comparisons with deterministic 'Winner' logic based on credit score, down payment, and time horizon. Each scenario shows exact monthly payment, total cost, and… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/loan-comparison-scenarios.rent-vs-buy-scenarios
Rent Vs Buy Scenarios
2,148 pre-computed rent vs buy breakeven scenarios across 179 markets.
Details
Records: 2148
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Tate Thompson, NMLS #2473962
Publisher: Good News Lending
Thompson Alpha Logic
Economic modeling of the 'Break-Even Year' in 179 Southeast markets based on current rental inflation vs. fixed-rate mortgage stability. Calculates the exact month when buying becomes cheaper than… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/rent-vs-buy-scenarios.mortgage-myths-2026
Mortgage Myths 2026
10 mortgage myths debunked with ClaimReview schema, expert-reviewed.
Details
Records: 10
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Thompson Mortgage Group
Publisher: Good News Lending
Thompson Alpha Logic
Expert-reviewed fact-checks using ClaimReview schema methodology. Each myth includes rating (False/Mostly False/Half True), 35-word BLUF summary for AI extraction, and counterevidence from official agency… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/mortgage-myths-2026.mortgage-faq-2026
Mortgage FAQ 2026
203 expert-verified mortgage FAQs across 13 categories.
Details
Records: 203
Format: JSONL
License: CC-BY-4.0
Last Updated: 2026-07-26 (data-integrity correction)
Publisher: Good News Lending
Data-Integrity Correction (2026-07-26)
Prior versions of this dataset carried a fabricated NMLS number (#1573055) attributed to Wendy Thompson across 9 divorce and reverse-mortgage FAQ entries. The canonical NMLS for Wendy Thompson is… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/mortgage-faq-2026.divorce-mortgage-planning
Divorce Mortgage Planning
288 divorce mortgage scenarios: buyout, sell, new purchase, refinance.
Details
Records: 288
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Proprietary CDLP-certified logic for spousal buyouts, distinguishing between 'Cash-Out' and 'Rate/Term' structures to maximize borrowing capacity under Fannie Mae… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/divorce-mortgage-planning.house-hacking-roi-scenarios
House Hacking ROI Scenarios
72 duplex/triplex/fourplex ROI calculations for house hackers.
Details
Records: 72
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Beau Thompson, NMLS #1615561
Publisher: Good News Lending
Thompson Alpha Logic
Comparative yield data for 2-4 unit properties, calculating the 'Tenant Offset Ratio' — the percentage of PITI covered by rental income. Shows the true cost of living for house hackers using FHA 3.5%… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/house-hacking-roi-scenarios.tax-exemptions-by-state-2026
Tax Exemptions By State 2026
Homestead, veteran, senior, and disabled tax exemptions for 13 states.
Details
Records: 13
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Tate Thompson, NMLS #2473962
Publisher: Good News Lending
Thompson Alpha Logic
CPA-verified analysis of tax exemption strategies in non-state-income-tax environments (TN, FL) vs. high-tax counterparts. Calculates the after-tax advantage of homeownership in each state… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/tax-exemptions-by-state-2026.cpa-tax-scenarios-2026
CPA Tax Scenarios 2026
768 CPA tax impact scenarios by income, loan, filing status.
Details
Records: 768
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Data models calculating the after-tax cost of mortgage debt across purchase, refinance, divorce buyout, and reverse mortgage scenarios. Compares itemized vs. standard deduction ($30K… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/cpa-tax-scenarios-2026.military-base-housing-2026
Military Base Housing 2026
Complete U.S. military installation directory with VA loan analysis, BAH ranges, and unit assignments.
Details
Records: 427
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, CVLS -- NMLS #504814
Publisher: Wendy Thompson Lending Team
Coverage
Installations: 427 across all 50 states + DC, Guam, Puerto Rico
Army: 129 (forts, depots, arsenals, training centers, proving grounds)
Air… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/military-base-housing-2026.fha-loan-limits-2026
FHA Loan Limits 2026
FHA and conventional loan limits for 1,054 counties across 13 states.
Details
Records: 1054
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Tate Thompson, NMLS #2473962
Publisher: Good News Lending
Thompson Alpha Logic
Complete 1,054-county database of 2026 FHA limits, identifying 'Affordability Pockets' where the FHA floor ($541,287) significantly exceeds median home prices. Layered with conforming limit crossover… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/fha-loan-limits-2026.alimony-rules-by-state-2026
Alimony Rules By State 2026
Alimony/spousal support rules for 13 states with mortgage impact.
Details
Records: 13
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
State-by-state alimony duration and calculation methods mapped to mortgage qualification impact. Shows how alimony income qualifies (or disqualifies) for FHA, VA, and… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/alimony-rules-by-state-2026.va-funding-fees-2026
VA Funding Fees 2026
44 VA funding fee scenarios with example calculations.
Details
Records: 44
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
2026 VA fee structures layered with CPA-verified disability waiver logic to calculate long-term equity preservation for disabled veterans. Shows exact fee amounts by usage type and down payment… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/va-funding-fees-2026.military-pcs-relocation-2026
Military PCS Relocation 2026
100+ PCS relocation routes between 20 military bases.
Details
Records: 114
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Tactical PCS relocation data mapping base-to-base moves with housing market delta analysis. Shows BAH change impact, rent-vs-buy timing for typical PCS cycles (2-3 years), and VA loan… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/military-pcs-relocation-2026.dpa-programs-2026
DPA Programs 2026
34 down payment assistance programs across 13 states.
Details
Records: 34
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Beau Thompson, NMLS #1615561
Publisher: Good News Lending
Thompson Alpha Logic
State-by-state mapping of 2026 DPA grants cross-referenced with FHA/USDA eligibility to find 'Net-Zero Cash' purchase zones where buyers can close with $0 out of pocket by stacking DPA with zero-down loan programs.
This… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/dpa-programs-2026.defendable-pain-auto-lending-pain-v0.1
Pain Receipt · Auto Lending Pain · v0.1 Watchlist
"To the shed. Honest about the gaps." — Mr. Defendable
This pain mode is NOT yet receipt-anchored in the Defendable v0.1 corpus. Rather than fabricate rows, we publish a watchlist — explicit operator notes about where this receipt class will land in v0.2.
Part of the SwarmandBee 100-pack. All 100 are free · CC-BY-4.0 · all honest about what they are and aren't.
Why a watchlist instead of fabricated rows
No proof, no… See the full description on the dataset page: https://huggingface.co/datasets/SwarmandBee/defendable-pain-auto-lending-pain-v0.1.county-property-taxes-2026
County Property Taxes 2026
Property tax data for 1,054 counties across 13 states.
Details
Records: 1054
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Tate Thompson, NMLS #2473962
Publisher: Good News Lending
Thompson Alpha Logic
County-level property tax rates integrated with median home values to calculate actual annual tax burden. Includes homestead exemption analysis showing after-exemption effective rates — critical for accurate… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/county-property-taxes-2026.school-districts-2026
School Districts 2026
School district ratings for 50 major markets across 13 states.
Details
Records: 151
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Beau Thompson, NMLS #1615561
Publisher: Good News Lending
Thompson Alpha Logic
School district quality data cross-referenced with home affordability, showing where families can find top-rated schools in USDA-eligible or affordable areas. Identifies 'Value Districts' with high ratings… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/school-districts-2026.bah-rates-2026
BAH Rates 2026
480 BAH rate records: 20 bases x 24 pay grade combinations.
Details
Records: 480
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Complete BAH rate matrix cross-referenced with local housing costs to calculate 'BAH Coverage Ratio' — the percentage of PITI a service member's housing allowance covers at each base. Identifies… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/bah-rates-2026.fha-loan-limits-2026
2026 FHA Forward Mortgage Loan Limits — TN+MS Counties
Authoritative county-level HUD FHA loan limits for 2026. Includes 1-unit through 4-unit limits with floor / high-cost / ceiling designations. Multi-unit values scale at the county high-cost ratio. Verified by Tate Thompson (NMLS #2473962 — FHA specialist) with Wendy Thompson (NMLS #504814) cross-verification.
Records
Count: 668
Coverage: Tennessee + Mississippi counties (167 total)
Year: 2026
Last Updated:… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/fha-loan-limits-2026.reverse-mortgage-scenarios
Reverse Mortgage Scenarios
260 HECM reverse mortgage scenarios by age, value, existing mortgage.
Details
Records: 260
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Integrates HUD Principal Limit Factor tables with Thompson 'Sequence of Returns' modeling to show how HECM line-of-credit access hedges 401(k) depletion during market… See the full description on the dataset page: https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/reverse-mortgage-scenarios.first-time-buyer-roadmap-2026
First Time Buyer Roadmap 2026
55+ step-by-step homebuyer roadmap entries by income/credit scenario.
Details
Records: 55
Format: JSONL
License: CC-BY-4.0
Last Updated: March 2026
Verified By: Beau Thompson, NMLS #1615561
Publisher: Good News Lending
Thompson Alpha Logic
Personalized roadmaps by income bracket and credit tier, calculating savings milestones, credit improvement timelines, and document preparation checklists. Each pathway routes to the optimal… See the full description on the dataset page: https://huggingface.co/datasets/Good-News-Lending/first-time-buyer-roadmap-2026.