Brief overview of MBS and Whole Loan collateral analytic solutions. Please call me at 949-218-8312 or email at momalley@dataquick.com

1. Overview of DataQuick’s Collateral Validation
and MBS Solutions
Presented By
DataQuick Financial Services
Matthew O’Malley
momalley@dataquick.com
949-218-8312

2. DataQuick
The nation’s largest independent provider of
real estate data
20+ years supporting lender’s data and
analytic needs
The nation’s richest historical repository of
sale and loan transaction data
Industry leader with the most extensive data
attributes and advanced predictive modeling

3. Data Compilation
County Recorder County Assessor
DataQuick
Phone Numbers, Household Level
Geo-Codes & Other Demographics,
Data Overlays Behavior Traits,
(Data Layers) Lifestyles Overlay
DQ Derived Intelligence:
LTV, Market Value,
Current and Historical Loan Positioning
Automated Valuation Modeling
N-Level HPI
Precision CLTV, CV, Occupancy

4. Where does our data come from?
County Assessor Data
National Coverage.
Over 100 million Assessor Records
County Recorder Data
National Coverage
Over 250 Million Recorder Records.
DataQuick Proprietary Data for individual properties.
Current Open Loans – determines current open loan type and loan position
Historical Loans – determines historical loan type and position
Coverage
93% coverage of sales & loan volume, 88% coverage of total properties
Footprint aligns with mass of loan origination and sales volume activity

5. Assessor provides…
Ownership
Site and mail address
Property characteristics: beds, baths, sqft, etc.
Assessed and Market values
Tax Delinquency
Legal description
Property tax
Property boundaries/parcel (plat) maps
Assessor’s Parcel Number (APN): Unique identifier
Land use description

6. Recorder provides…
Transaction types:
Seller/buyer name (Ownership
Resale
changes)
New Subdivision
Buyer mailing and site address
Timeshare
Lender name(s)
Loan
Loan amount(s) Construction
Purchase price Foreclosure
Sales Date Assignment
Title company Affidavit of Death
Assessor’s Parcel Number Land Contract
(APN) Legal description:
Tract
Lot
Block

7. DQ Proprietary
Derived Intelligence
Loan To Value / CLTV
Percentage of the Loan compared to Current Market Value
! New ! Precision CLTV using Collateral Validation Methodology
Market Value
Estimated Market Value based on DataQuick's Automated Valuation
Models (AVM) or Precision Market Value using CVM.
Loan Modeling
Determines the Mortgage Type (Purchase, Refinance, Equity Loan and
Equity Line)
Determines the Mortgage Position (1st Lien, 2nd Lien and 3rd Lien)
Neighborhood Level HPI
Granular, current, forecasts, property specific
! New ! Foreclosure Central
Segments short sales, REO’s, Investor acquisitions, etc.

8. The Solution
MBS Analytics
MBS Analytics Package
unique and configurable automated batch solution
marries loan level and/or servicing data from a MBS to
specific property address data, models and analytics from
DataQuick, using proprietary processes and technology
creates the most robust data and analytics set which can
be used as granular and property specific inputs to risk
models (cash flow, prepayment, collateral, etc.)
…thereby creating competitive advantage while reducing
risk in evaluating a MBS

9. Better data means better predictive modeling
Output may include but not limited to:
Property Address
Borrower/Owner Name
CLTV and Forecasted CLTV
Neighborhood Level Home Price Index
Lien Position
Foreclosure rates and sales activity
Owner Occupancy
Transaction History (purchase, refi, equity)
Tax Delinquency
Changes in ownership or title
Collateral Validation

10. The Solution
Collateral Validation
…is an automated valuation review solution
…tests and reconciles individual valuations
…creates a process and output that is objective,
transparent and auditable
…provides an immediate and substantial cost
savings
It’s methodology provides precision valuation

11. Collateral Validation Benefits
Comprehensive Interrogation of Value
Audit Trail
Consistent Review Process
Easy to Implement
Scalable
Immediate ROI, up to 3x – year 1!

12. Collateral Validation Overview
Interrogation of any value (AVM, appraisal, BPO, etc.)
Values automatically reconciled against other “expert opinions”
Current “expert opinions”
AVM’s
Intelligent/User selected sales comp’s
Historical “expert opinions”
Prior valuations
Purchase history
Other user provided ‘expert opinions”
Any valuation
Historical values are detrended based on DataQuick’s proprietary
neighborhood level HPI
User configurable output yielding objective, supported, immediate
decisions on value quality.

13. DataQuick’s Neighborhood Level HPI
San Diego MSA HPI
A single MSA level index may not be representative of the
housing price trends among various local markets

14. Two Views of San Diego Housing
San Diego Neighborhood Level HPI

15. DQ n-Level HPI vs. Case-Shiller HPI
Appreciation Rate From Dec 2006 Thru Dec 2007
Green: Depreciation is less compared to CS HPI
Red: Depreciation is greater compared to CS HPI

16. Sample Collateral Validation Report
Valuation Module
Market Area HPI and
Default Trend Module
Market Area Sales
Activity Module

22. Questions?
DataQuick is an experienced solution partner
with expertise in:
• Nationwide housing data
• Advanced analytics
• Application development
For more information or to engage in testing, please contact:
momalley@dataquick.com
949-218-8312 direct
949-545-8499 cell