Refinance Activity Data
Refi waves move billions through the mortgage market -- tracking refi volume by vintage and rate-incentive predicts prepayment speeds for MBS investors.
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Find Me This Data →Overview
What Is Refinance Activity Data?
Refinance activity data tracks loan refinancing transactions, interest rates, loan terms, and borrower qualifications across the mortgage market. This data captures the flow of billions of dollars as borrowers act on rate incentives, enabling investors and lenders to forecast prepayment speeds and market behavior. The data includes attributes like interest rates, loan terms, borrower credit scores, and geographic information, and is essential for analyzing market conditions and assessing refinancing feasibility. Refinance activity data becomes particularly critical during rate-cut cycles. When economists forecast multiple basis-point cuts, millions of borrowers may refinance simultaneously, creating volume surges that challenge lenders unprepared for the operational and risk management demands. Lenders using this data can predict refinancing waves by loan vintage and rate incentives, allowing them to model prepayment speeds for mortgage-backed securities and manage liquidity effectively.
Market Data
248M+
Mortgage & Loan Records Available
Source: ATTOM
35B+
Historical Public Records
Source: ATTOM
158M+
Property Parcels with Geo Coordinates
Source: ATTOM
Who Uses This Data
What AI models do with it.do with it.
MBS Investors & Portfolio Risk Management
Track prepayment speeds and model interest-rate sensitivity by monitoring refinance volume by vintage and rate incentives. Predict cash flows and adjust hedging strategies during refi waves.
Mortgage Lenders & Loan Originators
Assess refinancing demand, manage origination capacity, and forecast volume surges during rate-cut cycles. Prepare operational infrastructure for market stress.
Real Estate Analytics & Market Intelligence
Analyze broad market conditions, borrower behavior patterns, and geographic refinancing trends to support strategic planning and competitive positioning.
What Can You Earn?
What it's worth.worth.
Sample/Free Tier
Free
Many providers offer free samples to evaluate dataset suitability
Subscription Models
Varies
Monthly or yearly subscriptions available; pricing depends on dataset size, scope, update frequency, and customization
Usage-Based Fees
Varies
Alternative pricing model based on consumption or one-off purchases
What Buyers Expect
What makes it valuable.valuable.
High Match Rates & Validation
Datasets must report match rates and undergo rigorous validation processes to filter inconsistencies and ensure accuracy
Regular Updates
Frequent refresh schedules (daily, weekly, or monthly) aligned with buyer use cases; update frequency varies by provider and dataset
Industry Standard Compliance
Adherence to GDPR, CCPA, and other data protection regulations; encryption, anonymization, and secure delivery via SFTP or APIs
Complete Attribute Coverage
Datasets should include geographic identifiers (latitude/longitude, state, city), contact details, and transaction-level refinance metrics
Companies Active Here
Who's buying.buying.
Property data and mortgage record analytics; operates 248M+ mortgage and loan records with 35B+ historical public records; serves enterprise applications requiring AI-ready real estate data
Provides up-to-date mortgage and real estate rate information for market landscape analysis and rate intelligence
Blends data networks with innovative technologies to deliver consumer profiles and identity resolution insights for refinance targeting; covers 57MM new digital intent consumers and 7MM new movers
FAQ
Common questions.questions.
How does refinance activity data predict prepayment speeds?
By tracking refinance volume by loan vintage and rate incentives, investors can model how quickly borrowers will repay MBS holdings when rates fall. Rate-cut forecasts trigger refinancing waves; historical volume patterns help predict cash flow timing and interest-rate sensitivity.
What happens during a refi boom?
When economists forecast multiple rate cuts (e.g., four 25 basis point cuts in a year), millions of borrowers may refinance simultaneously rather than gradually. Lenders unprepared for this volume surge face operational strain and risk management challenges; real-time refinance activity data allows them to forecast and plan capacity.
How frequently is refinance activity data updated?
Update frequency varies by provider and dataset. Some datasets refresh daily or weekly, while others update less frequently. Buyers should select datasets with frequencies matching their use case—investors managing MBS portfolios typically require daily or near-real-time updates.
What attributes are most important in refinance datasets?
Key attributes include interest rates, loan terms, borrower credit scores, geographic identifiers (latitude, longitude, state, city), contact information, and transaction-level refinance metrics. Buyers prioritize datasets with high match rates, regular updates, and compliance with GDPR and CCPA.
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