Improve MBS performance predictions by 17% with HMDA data.
December 6, 2024
In addition to various GSE and Ginnie Mae loan-level underwriting and performance datasets, we are now hosting HMDA (Home Mortgage Disclosure Act) loan-level data. This dataset enables professionals in both Capital Markets and Mortgage Lending to make more accurate decisions regarding pricing, risk management, marketing, and underwriting.
Capital Markets professionals benefit from a 17% improvement in loan performance predictions (e.g., prepayments and delinquencies), allowing for more precise pricing and risk management decisions.
Mortgage Lenders leverage this data for competitive analysis against peers, achieving a 10% increase in pool pay-ups, a 25% reduction in marketing costs, and a 15% improvement in recapture rates.
The table below illustrates how HMDA data complements traditional GSE and Ginnie Mae datasets:
The figures below compare the Primary Market and Origination report to its Peer group for a sample lender institution. This analysis can be customized based on client requests.
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Run the reports at:
Fig. 1 Primary Market Report: BOA vs. Peer Group
Fig. 2 Origination Report: BOA vs. Peer Group
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