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Monthly issuance data released by Fannie Mae and Freddie Mac (the Agencies) provide valuable insight into the aggregate characteristics of mortgage loans made throughout the U.S. Each month, RiskSpan gathers and extracts the data from the most recent 13 months, and transforms and loads the data using R and Microsoft SQL Server. This ETL process normalizes the data to account for differences between Fannie’s and Freddie’s individual reporting methodologies and creates analytical value in two ways: a monthly insights publication and a dynamic report.
RiskSpan parses this data to identify and publish monthly insights into trends relating to mortgage credit quality (credit score, loan-to-value ratio, and debt-to-income ratio) as well as other loan-level attributes, such as interest rate, term, loan type, loan purpose, and loan size. These trends assist analysts seeking to determine where housing and mortgage markets—and, by extension, the overall economy—are headed. You can view our latest monthly insights below.
THe dynamic issuance report
Analysts wishing to perform their own analysis can do so using the Microsoft Power BI feature embedded in our platform. The BI tool makes available rich visuals enabling users to view a virtually unlimited set of data combinations. For guidance on how to use the tool, click the images below. To use our interactive reporting tool, click here.