Equifax and Black Knight have partnered to offer Credit Risk Insight Servicing—the only analytical solution available that combines anonymous consumer credit data with McDash Loan Data. This powerful combination provides a better understanding of the changing credit health of borrowers on both agency and non-agency mortgages. Up-to-date consumer risk scores and leading indicators of mortgage default for all mortgages within McDash allow analysts, modelers and economists to benchmark, identify trends, monitor institutional risk, and evaluate borrower behavior.
The structure of the data contains two separate datasets. The Black Knight-McDash data is the loan information and the Equifax data is information on individual credit records including information on which loans they have. The same loan_id is in both data sets so that loan information in McDash can be merged to individual information in Equifax.These data should be merged together to create the CRISM data but can be used separately.
Access: Access is available to University of Chicago faculty, graduate students, and research assistants.
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Please acknowledge the Fama-Miller Center for Research in Finance and the Initiative on Global Markets at the University of Chicago Booth School of Business on all written work for the usage of this data.