As the market expands, so does its complexity.
ICE delivers data and analytics covering the full non-QM lifecycle, from origination through servicing to capital markets, grounded in the industry's deepest loan-level data.
Origination
Explore trends in lending and underwriting to better understand the quality and supply of loans in originator pipelines.
Servicing
Dive into daily loan-level performance across the industry to identify areas of improvement or deterioration.
Capital markets
Quantify pricing patterns across the capital stack and valuation tiering among issuers to expose investment opportunities.
Origination data
A comprehensive daily view of mortgage origination across key lifecycle milestones, from application opening to rate lock to closing.
Sourced directly from the ICE Encompass Loan Origination System (LOS) with 10+ years of history. Includes non-QM-specific fields covering borrower attributes, property characteristics and loan features.
Portfolios and MBS in a single solution, leveraging ICE's industry-leading servicer-contributed loan-level data and a behavior-based prepayment modeling approach to deliver highly precise projections.
Loan performance data
A comprehensive loan-level dataset drawing from over 100 major servicers, with data often sourced directly from the ICE Mortgage Servicing Platform (MSP).
Covering more than 35 years of history, enabling precise segmentation for non-QM analysis and modeling across key origination characteristics including debt-to-income (DTI), documentation type, credit scores, loan-to-value (LTV) ratios, loan term, balloon feature and interest-only flags.
Evaluated pricing
Industry-leading service providing daily market-based measurements, processed through a rules-based pricing application.
Coverage extends to approximately 3 million securities, including non-agency residential mortgage backed securities (RMBS) backed by non-QM collateral, as well as residential whole loans across various loan types including non-QM.
Climate risk
An end-to-end solution for quantifying climate risk at the loan, property and security level.
Leveraging sophisticated global climate models, machine learning and scenario analysis to assess physical risk exposure across hazards including hurricane wind, wildfire, coastal, fluvial and pluvial flood, and extreme heat and cold, fulfilling use cases across non-agency RMBS, whole loans and real estate parcels.
Housing affordability analytics
A unique dataset that helps users estimate the full cost of home ownership, including principal, interest, taxes, insurance, utilities and other inputs that impact a borrower's ability to repay.
Identify non-QM loans with above/below average exposure to hard to quantify variable cost components such as insurance and utilities, changing DTI ratios due to premium renewal spikes or energy cost increases, and a high percentage of total annual housing outlay driven by non-principal & interest components.
Related insights
Data Reports
The nation’s leading repository of loan-level residential mortgage data and performance information covering the majority of the overall market, including tens of millions of loans across the spectrum of credit products and more than 160 million historical records.
Climate risk is already reshaping the U.S. housing market
Analyzing the links between climate risk, extreme weather events, and mortgage performance in the United States, as well as longer-term relationships between home price appreciation and flood risk.
Powering mortgage, real estate and capital markets: the versatility of ICE Property Data
Mortgage lenders and servicers are the most obvious users of property data to underwrite loans and monitor portfolios, but it is utilized by various groups for other purposes as well.
Ready to go deeper on non-QM?
Speak to an ICE representative to explore the data and analytics that fit your workflow.