Yes. AI companies buy records from mortgage and lending companies, and Mercor, Handshake AI and Turing accept companies in the Philippines. Published payouts for this kind of company run ₱6.4M to ₱32M ($100K to $500K), from micro1's qualified-partnership tier. Banks are supervised by the BSP and lending companies by the SEC, and credit data shared through the Credit Information Corporation is restricted under the Credit Information System Act.
What mortgage and lending company records AI buyers want
Housing loans run through banks and Pag-IBIG Fund; a lender's processing workflows are useful once borrower identities are removed.
Mercor and Handshake AI both name finance and insurance as target industries; micro1 lists financial services.
| Record | Why buyers want it |
|---|---|
| Loan pipeline and CRM history | Shows how a file moves from application to closing. |
| Underwriting conditions and decisions | Expert judgment that is hard to replicate. |
| Processing and closing checklists | Repeatable workflows buyers turn into agent tasks. |
| QC and compliance reviews | Show how errors are caught. |
Which AI data buyers accept Philippine mortgage and lending companies
English-language operations help, but most buyers prioritize US and Western companies.
| Buyer | Fit for the Philippines | What to know |
|---|---|---|
| micro1 | Case by case | Considered when demand fits; English records required; lists financial services |
| Mercor | Good fit | Names finance and insurance; pays by wire on delivery |
| Handshake AI | Possible | Names finance and insurance; 20+ staff and 3+ years; accepts companies outside the US |
| Turing | Possible | Full operating records up to $1M; strongest demand in the US, UK, Canada and EU |
Published payouts in PHP
Micro1's qualified-partnership tier is the closest published figure for mortgage and lending companies, converted to PHP. Larger programs pay more for long, linked histories.
| Published figure | USD | PHP |
|---|---|---|
| micro1, qualified partnership | $100K to $500K | ₱6.4M to ₱32M |
| micro1, large-scale datasets | $500K to $2M | ₱32M to ₱130M |
| Handshake AI, advertised range | $100K to $4M+ | ₱6.4M to ₱250M+ |
Philippine rules for mortgage and lending companies
Banks are supervised by the BSP and lending companies by the SEC, and credit data shared through the Credit Information Corporation is restricted under the Credit Information System Act.
Any personal data left in the records falls under Data Privacy Act of 2012 (Republic Act 10173); the Philippine privacy steps apply to every industry. Before anything leaves, exclude:
- Borrower income, credit, account and ID details.
- Credit reports and appraisals licensed from third parties.
- Anything your privacy notice promised not to share.
Source: National Privacy Commission: Data Privacy Act of 2012
Can a lender sell borrower files to AI companies?
No. Borrower income, credit and identity documents are restricted almost everywhere. What buyers want is the process around them: condition lists, underwriting rationale with identities removed, and the checklists that move a file to closing.
Our guide covers this in depth: How to de-identify company data before licensing it.
US tax on the license fee
For the Philippines: A US-Philippines treaty applies; confirm the royalty rate with a tax adviser.
Source: IRS: Tax treaty tables
Common questions
Do AI companies buy mortgage and lending company data in the Philippines?
Yes. Mercor, Handshake AI and Turing accept companies in the Philippines. Housing loans run through banks and Pag-IBIG Fund; a lender's processing workflows are useful once borrower identities are removed.
How much do AI companies pay for mortgage and lending company data?
Published payouts for this kind of company run ₱6.4M to ₱32M ($100K to $500K), from micro1's qualified-partnership tier, with larger tiers for big or unique datasets. Actual offers depend on your records and rights.
Is it legal for a mortgage and lending company in the Philippines to sell company data?
Banks are supervised by the BSP and lending companies by the SEC, and credit data shared through the Credit Information Corporation is restricted under the Credit Information System Act.
Can a lender sell borrower files to AI companies?
No. Borrower income, credit and identity documents are restricted almost everywhere. What buyers want is the process around them: condition lists, underwriting rationale with identities removed, and the checklists that move a file to closing.
Sources and further reading
Origin Data Partners is independent and not affiliated with any buyer named on this page.