What’s changing?

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 (recovery_net_charge_off_cumulative). 


As borrowers continue to enroll in hardship reliefs programs, we have also added loan_impairment_indicator, loan_ever_modified, and 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.



Field Updates

action

name

table

asset class

notes

added

account_id

history

small_business

removing _history from field name

added

asset_hpa_value_last_hc

history

mortgage

last home price appraisal value from HouseCanary

added

asset_hpa_loan_to_value_hc

history

mortgage

LTV using last home price appraisal from HouseCanary 

added

eop_fico_current

aggregated

mortgage

end of period fico score

added

expected_principal

aggregated

consumer, 

  mortgage, small_business

amount of principal expected for each pay period

added

interest_payment_cumulative

history

consumer,  mortgage, small_business

cumulative interest received

added

loan_impairment_indicator

history

consumer, 

  mortgage, small_business

indicates whether loan is impaired

added

loan_modification_indicator

history

small_business

indicates whether loan has been modified

added

loan_ever_impaired

static

consumer, mortgage, small_business

indicates whether loan has ever been impaired

added

loan_ever_modified

static

consumer, mortgage, small_business

indicates whether loan has ever been modified

added

principal_all_payment_cumulative

history

consumer,

  small_business

cumulative principal paid by borrower

added

purchase_amount

history

small_business

remove _history from field name

added

purchase_date

history

small_business

remove _history from field name

added

recovery_net_charge_off

history

consumer,

  mortgage

daily recovery amount

added

recovery_net_charge_off_cumulative

history

consumer,

  small_business

cumulative recovery amount

added

recovery_net_charge_off_unbackdated

aggregated

small_business

Recoveries as they come in

added

sub_asset_class

static

mortgage

sub-asset class

removed

asset_appraised_value_last

aggregated

mortgage

already available in history table, removing from aggregated

renamed

account_id_history

history

small_business

renamed to remove _history

removed

asset_class

static

mortgage

data is already organized by asset_class

renamed

fico_updated

aggregated

mortgage

renamed to eop_fico_current

removed

loan_balance_current_by_status_dv01

history

mortgage

should use loan_balance_current instead

removed

loan_payment_scheduled_amt_orig

aggregated

consumer,

  mortgage, small_business

already available in static table, removing from aggregated. Should use expected_principal for CPR calculations

removed

loan_rate_gross

history

mortgage

use loan_rate_gross_current instead

removed

loan_status_dv01

history

mortgage

use loan_status instead

removed

platform

static

mortgage

mortgages do not have a platform

renamed

purchase_amount_history

history

small_business

renamed to remove _history

renamed

purchase_date_history

history

small_business

renamed to remove _history

data type change

asset_zipcode

static

mortgage

Data type changing from integer to string



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. 


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