Home Equity and Mortgages

Home Equity and Mortgages provides equity status and current estimated mortgage lien data on residential properties across the United States.

Advantages:
- Industry leading data, multi-sourced for better coverage and accuracy.
- Proprietary automated valuation model accepted and used by major lending institutions that meets regulatory scrutiny and validated by independent third parties for accuracy.
- Includes unique data elements such as interest rate, amortized loan balances, and estimated current LTV/CLTV balances.

Use this information for benchmarking, research and analytics, trending, forecasting, prospecting, marketing and account acquisition.

Requests for alternate geography (i.e. state, county, MSA) and update frequencies (i.e. monthly, quarterly, annually) will be considered.

Need deeper insights? Try our Real Property Insights package free for 30 days to access Housing Characteristics, Property Listings, Recent Home Purchase Transactions, Home Value Trends and Forecasts, and Home Equity & Mortgages.

Fields Included:
- Property type (i.e. single family, condo)
- Estimated loan to value (LTV) and combined loan to value (CLTV)
- Last sales date and price
- Interest rate
- Loan type (i.e. FHA, conventional)
- First mortgage origination date, loan amount, and lender name
- Junior mortgage (HELOC, equity loan) origination date, loan amount, and lender name

The Home Equity and Mortgages file data layout can be accessed here:
https://assets.equifax.com/mkt-legal/Home_Equity_And_Mortgages_Layout_DaaS.xlsx

搜集汇总

背景与挑战

背景概述

该数据集提供全美住宅房产的净值状态和抵押贷款信息，包含房产类型、贷款价值比、利率等关键字段，采用行业领先的多源数据模型，适用于市场分析、风险评估等应用场景。支持按地理区域和更新频率定制数据。