Mortgage data

Mortgage data covers home and property loans: origination volumes and terms, interest rates, lenders, and how loans perform over time. Lenders use it to benchmark pricing and market share, investors and rating teams to model credit and prepayment risk in mortgage-backed securities, and housing analysts to track affordability and credit conditions.

Typical fields

• Loan ID (pseudonymous) and origination date
• Loan amount, interest rate and rate type
• Loan term, loan-to-value and debt-to-income ratios
• Property type, region and occupancy
• Lender or servicer
• Performance status: current, delinquent, modified, prepaid or defaulted
• Borrower credit score band

Sources and collection

Sources include public lending disclosures, securitization loan tapes, recorded mortgage documents, lender rate sheets and aggregated contributions from lenders. Some regulators and government-backed agencies publish loan-level performance data with personal identifiers removed. Rate data is collected from lender rate sheets or surveys. Any loan-level data about borrowers must be de-identified, with sensitive fields banded.

Delivery and pricing

Delivery is monthly loan-level files, aggregated tables, rate APIs or dashboards. Price depends on loan coverage, history depth, granularity and the performance fields included.

Before you buy

• Ask which lenders, loan products and regions are covered.
• Check how performance is tracked after loans are sold or refinanced.
• Confirm borrower data is de-identified with appropriate banding.
• Check whether rates are offered, locked or closed.
• Ask about history depth across full credit cycles.