Built on powerful data sources
These additional costs can impact borrower behavior and loan performance, yet have traditionally been challenging to measure with precision.
Understand what drives affordability and risk
Traditional loan models often overlook the full cost of owning a home. While principal and interest are fixed and disclosed, other essential costs like property taxes, insurance, and utilities can vary dramatically by location - and are rarely disclosed with the same transparency.
Housing Affordability Analytics solves that challenge
We combine our vast mortgage servicing data with climate-driven utility cost modeling to deliver a comprehensive picture of ownership costs, helping you understand debt-to-income (DTI) dynamics and borrower repayment capacity with unmatched precision.
Industry-leading servicing and escrow data
McDash® covers ~ two-thirds of all U.S. residential loans, delivering high quality insight into property taxes and insurance costs.
Climate-informed utility estimates
Our Climate Risk team’s geospatial models quantify annual utility usage across 109+ million households in the U.S.
From loan to security-level insight
Our privacy-protected modeling transforms loan-level detail into security-level analytics, supporting MBS investment decisions at scale.
Why choose Housing Affordability Analytics?
Key metrics
- Current and estimated Principal & Interest (P&I) payments
- Estimated annual costs for taxes, insurance (hazard, flood, earthquake) and utilities
- Variable vs. fixed cost breakdown
- Comparison of all-in homeownership costs to local income levels
Multiple asset classes
- Agency MBS Pools
- Agency CMOs
- Agency Credit Risk Transfer (CRT)
- Non-Agency RMBS CMOs
Built for critical use cases
- Prepayment modeling
- Default and loss modeling
- Security selection