mortgagetape™
Natural-language access to U.S. mortgage origination and performance data.
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Explore additional capabilities
Explore lead generation angles
Check agency eligibility
Ask in a language other than English
Ask about GSE guidelines
Conduct market research
Benchmark a lender
Score loans before funding
Test LLPA pricing
Track loan performance post-funding
Analyze commercial mortgages (CMBS)
Assess and action rep & warranty exposure
America's Housing Finance
Intelligence and Decision Support Platform
Data breadth
108M+
Agency Loan Acquisitions
Fannie Mae + Freddie Mac + Ginnie Mae, 1999–present
325M+
HMDA Application Records
Full LAR panel 2007–2025, cross-year normalized
1.3M+
MBS Pools
Fannie Data Dynamics + Freddie Clarity + Ginnie llmon2
35M+
Rate Lock Records
Optimal Blue MDL + CDL+ industry feed, refreshed daily
460+
MSA-Level Rent Indices
Beekin SFR + MF rent panel, 2015–present, refreshed monthly
10
LLPA Pricing Matrix Vintages
Every Fannie + Freddie fee schedule, 2017–present, all cells
5
Agency Eligibility Rulesets
Fannie, Freddie, FHA, VA, USDA — encoded decision engine
12+
Predictive Models
Approval, pull-through, PIW, LLPA overlay, EPD, prepay, HR/HP, DPA
4
Federal Economic Data Sources
FHFA HPI, BLS LAUS + QCEW, FEMA National Risk Index
Monthly
GSE + GNMA Servicing Directory
Servicer-of-record across the active agency book, updated each month
2,500+
Non-Agency CMBS Loans
$32B+ UPB across 40+ CMBS conduits, SEC Reg AB II, refreshed monthly
Deep Research and Market-Leading Insights
Affordable Programs · 2026
Only 26% of conventional purchase borrowers are income-eligible for HomeReady or Home Possible
The take-up gap between the eligible pool and the actual HR+HP book — and where the missing loans are going.
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Government Lending · 2026
DPA raises 90+ day delinquency risk in FHA and VA — but not in USDA
Matched-cell composition-adjusted delinquency across four Ginnie Mae programs.
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Policy Analysis · 2026
The 2023 investor LLPA hike: real volume drop, real substitution, but far less than headlines suggested
Rate-shock-controlled counterfactual analysis of the April 2022 and May 2023 fee changes.
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Product · Methodology · 2026
Beyond the LLPA grid — what a calibrated overlay model tells you the fee schedule can't
Within-cell overlay signal that separates real risk drivers from grid discontinuities.
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Market Structure · 2026
The FTHB share inversion — first-time buyers now dominate the purchase market they used to lag
Compositional shift across HMDA vintages, decomposed by state, income, and product mix.
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Lender Analysis · 2026
United Wholesale Mortgage's ascent — a channel, pricing, and geographic decomposition
How UWM built its wholesale-first origination base against the rate-cycle backdrop.
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Official AI Partners
Mortgage Tape content and analysis incorporates data from these partners.
Official AI Partner · Rental Market Data
MSA-level single-family and multi-family rent indices covering 460+ US markets, 2015–present, refreshed monthly. Powers the Rental Signal on the Market Snapshot and the SFR-vs-MF, DSCR-underwriting, and LGD-anchor-lag insights.
Official AI Partner · Rate Lock Intelligence
Daily aggregated industry rate-lock feed (MDL + CDL+), 35M+ locks spanning 2011–present. Powers the Market Snapshot’s live pricing view, the LLPA reality-check, and the broker-vs-retail pricing insights.
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Loan-level scoring
Score a loan against our calibrated risk + pricing models. Pick a model, describe the loan, and get a calibrated probability with plain-English interpretation and a recommendation. Learn more about our scoring models →
1. Pick a model
2. Describe the loan
Advanced · paste / edit raw JSON payload
Edits to the structured form above push into this textarea; edits here go straight to the API on submit (the structured form is not re-read after you edit JSON).
About these models · AUC, training cohorts, calibration notes
- Credit Approval Probability — probability the application receives a lender approval decision (action_taken IN (1,2)). HMDA-style input. For LO triage + lead prioritization. Baseline ~65% (train) / 62% (OOT). 2018-2023 train, 2024-2025 test: AUC 0.94, ECE 0.0003.
- Credit Denial Probability — probability an application is denied for credit (action_taken=3). HMDA-style input. For pre-credit-pull screening + fair-lending self-assessment + counter-offer routing. Baseline ~16% (train) / 19% (OOT). 2018-2023 train, 2024-2025 test: AUC 0.91, ECE 0.0004.
- Pull-through — probability an application closes as an originated loan (action_taken=1). HMDA-style input. For pipeline-hedge sizing, lead pricing, capacity planning, lender benchmarking. Baseline pull-through ~62%. 2018-2023 train, 2024-2025 test: AUC 0.92, ECE 0.0004.
- Appraisal Waiver Probability (PIW / Value Acceptance / ACE) — probability a conventional conforming loan is granted an appraisal waiver instead of a full appraisal. GSE-input schema. Pre-DU/LPA heuristic. 2018-2023 train (22.4M loans), 2024-2025 test (2.6M): AUC 0.85, ECE 0.0008.
- Higher-Priced loan (HPML) — probability the loan prices into a Reg Z Higher-Priced Mortgage Loan (first-lien rate_spread ≥ 1.5pp or sub-lien ≥ 3.5pp or HOEPA). HMDA-style input. 2018-2023 train, 2024-2025 test: AUC 0.87, ECE 0.0003.
- Fannie vs Freddie channel choice — S-learner over the repurchase + 12/24/36-mo EPD models; predicts which GSE produces lower expected loss for this loan, with full delinquency curves.
- Repurchase risk (v4) — probability of rep-and-warranty repurchase (zbc 06/96). For post-funding QC + R&W reserve setting. 2013-2023 train, 2024-2025 test: AUC 0.72 (in-cohort random-split: 0.81).
- GSE EPD 12-mo (v2) — probability of 60+ DQ within first 12 months. For pre-funding pricing / LLPA tier. 2013-2023 train, 2024 test: AUC 0.83.
- GSE EPD 24-mo — same target extended to 24 months. For mid-life risk pricing + reserve setting. 2013-2023 train, 2024 test: AUC 0.78.
- GSE EPD 36-mo — same target extended to 36 months. Captures full-cycle DQ risk including the refi-window peak. 2013-2022 train, 2023 test: AUC 0.75.
- Prepayment 12 / 24 / 36-mo — probability of prepayment (zbc 01) within first 12 / 24 / 36 months. For MSR valuation, pipeline lock-desk risk, fast-pay vs slow-pay pool composition. 2013-2023 GSE cohorts.
- GNMA EPD — government-insured EPD model (FHA / VA / USDA-RD / PIH). Different feature schema (use
agency, credit_score, ltv, ...). 2018-2023 train, 2024 test: AUC 0.76.