Direct Data offers unfettered access to cleansed and normalized loan-level via a secure FTP server or a hosted SQL database. To make certain analyses easier, we have added 17 new data columns including a field logging expected principal (
expected_principal), cumulative principal (
principal_all_payment_cumulative), cumulative interest (
interest_payment_cumulative), and cumulative recoveries (
As borrowers continue to enroll in hardship reliefs programs, we have also added
loan_ever_impaired fields aid in COVID-19 related analyses. Finally, we have integrated HouseCanary data, offering users updated home value (
asset_hpa_value_last_hc) and updated LTVs (
asset_hpa_loan_to_value_hc) for mortgage datasets.
Along with these new fields, we also removed 7 extraneous columns, renamed 4 data fields, and made 1 data type change.
Who is impacted?
All Data Direct Users
Why is this important?
These field updates will decrease the amount of data needed to scan/load, as well as decrease the learning curve for anyone coming to the data for the first time.