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Mortgages Are About Math: Open-Source Loan-Level Analysis of Fannie and Freddie

In this brief, we focus on loss severity, using Freddie Mac’s enhanced data; these are the first loan-level loss severity data available to the public for loans outside private-label securities. Loans with higher LTVs and mortgage insurance have a significantly lower loss severity than loans with lower LTVs and no mortgage insurance.

Public Use Database – Fannie Mae and Freddie Mac. Sections 1126 and 1212 address the availability of a "public use database". Data on mortgages acquired by Fannie Mae and Freddie Mac, which are regulated by FHFA, supplies mortgage lenders, planners, researchers, and housing advocates with information concerning the flow of mortgage credit and capital in America’s communities.

The Ultimate Truth about Housing Affordability – Welcome to The Ultimate Truth about Housing Affordability . There have been many headlines decrying an "affordability crisis" in the residential real estate market. While it is true that buying a home is less affordable than it had been over the last ten years, we need to understand why and what that.

“Agency certificates” means Ginnie Mae, Fannie Mae or freddie mac certificates. “agency rmbs” means government agency RMBS, which are mortgage. an extensive loan-level database that allows it to.

Fannie Mae Issues May Volume Summary – Fannie Mae’s. annual rate of 1.5 percent in April to a value of $3.168 trillion compared to $3.164 trillion in April. The Book has increased by 1.8 percent year-to-date in 2017 and gained 1.4. Mortgages Are About Math: Open-Source Loan-Level Analysis of.

This report updates the 2008 Mortgage Fraud Report and addresses current mortgage. Federal national mortgage association (fannie mae), Federal Home Loan Mortgage Corporation (Freddie Mac), and.

 · Freddie Mac Single Family Loan-Level Data Analysis: Originations As part of the ongoing support for their credit risk transfer program, in March 2016 Freddie Mac released updated single family loan-level data containing origination and performance records on 21.8 million loans originated between January 1999 and March 2015.

Five Tips to Sell Any Home Fast

Research Note: Freddie Mac’s Primary Mortgage Market Survey (PMMS) is the longest running weekly survey of mortgage interest rates in the United States. Since freddie mac launched its survey in 1971, others have begun collecting and reporting mortgage rate information.

In the not-so-distant past, an analysis of loan-level mortgage data would have cost a lot of money. Between licensing data and paying for expensive computers to analyze it, you could have easily incurred costs north of a million dollars per year.

Matt Levine is a Bloomberg Opinion columnist covering finance. He was an editor of Dealbreaker, an investment banker at Goldman Sachs, a mergers and acquisitions lawyer at Wachtell, Lipton, Rosen &.

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