If you want more information please click here or on any of the links below

Sub-prime Borrowers:

EMR Data Services has developed a statistical model that targets homeowners along with origin dates, the number of open trade lines, median and household income, the number and history of current vs. late payments and employment information.

We then overlay these selects to our finance-company mortgage recordings. This enables us to pinpoint homeowners that meet all guidelines for sub-prime underwriting. We further model for debt to ensure that the homeowner is a good prospect for a debt consolidation loan.

Available equity in a home is determined by factoring the original amounts of the first and second mortgage, refinancing history, and both the property’s sale price and the current market value.

This data file is a modeled subset of our Master County Level Property database. You can further model the file by choosing among the demographic and property selects.

Printable selects:

• name
• address
• phone number

Conforming Borrowers:

EMR Data Services has developed a statistical model that targets homeowners along with origin dates, the number of open trade lines, median and household income, the number and history of current vs. late payments and employment information.

We then overlay these selects to our finance-company mortgage recordings. This enables us to pinpoint homeowners that meet all guidelines for conforming underwriting. We further model for debt to ensure that the homeowner is a good prospect for a debt consolidation loan.

Available equity in a home is determined by factoring the original amounts of the first and second mortgage, refinancing history, and both the property’s sale price and the current market value.

This data file is a modeled subset of our Master County Level Property database. You can further model the file by choosing among the demographic and property selects.

Printable selects:

Lender File:

EMR Data Services has worked closely with some of the largest mortgage banking institutions in the nation to build the most accurate and updated lender table available.

By appending selects produced from trust deeds and property tax information from the offices of county clerks and tax assessor.

To enhance performance and insure the latest quality data we append and overlay consumer demographic selects. The files are updated monthly with new homeowner records compiled across the nation.

After a careful overlay of all lenders and their name variations all files are scrubbed against the HUD Sub-Prime lender table to isolate those homeowners with loans from high interest-rate lenders.

In order to strictly adhere to Loan-to-Value guidelines, we employ an index of national geographic market values that is refreshed twice a year and calculate the amounts of the original first & second mortgage, refinancing history, and both the property’s sale price and current market value.

This data file is a modeled subset of our Master County Level Property database. You can further model the file by choosing among the demographic and property selects.

Printable selects:

Click here for more info!!                                                                   Order Now