|By Business Wire||
|February 12, 2013 11:45 AM EST||
DataQuick, a provider of advanced real estate information solutions powered by data, analytics and decisioning, recently contributed to a study published by Columbia University that examines the impact different types of second liens had on both the housing boom and subsequent market collapse.
Written by Donghoon Lee and Joseph Tracy of the Federal Reserve Bank of New York and Dr. Christopher J. Mayer of the Richman Center for Business, Law and Public Policy at Columbia University’s Business School, “A New Look at Second Liens” examines the extent to which second liens contributed to the housing crisis by allowing buyers to purchase homes with small down payments.
“DataQuick has provided the data and analysis lenders needed to make the best risk and business decisions for many years. We’re pleased our data and analytics solutions are now being used as a resource for important research at prestigious institutions, such as Columbia University,” said John Walsh, president of DataQuick. “DataQuick can provide market insights for any institution that needs current and historical valuation data and analytics.”
The study concluded that default rates of second liens are similar to that of the first lien on the same home, although HELOC loans perform much better than traditional second mortgages. Another key finding was that while 20 to 30 percent of borrowers continue to pay their second lien for more than a year after going delinquent on their first mortgage, these same borrowers were much more likely to remain current on their auto and credit card loans after going delinquent on their first.
San Diego-based DataQuick, a Decision Insight Information Group Company, delivers advanced information solutions powered by higher quality data, innovative analytics and automated decisioning across a national footprint. The company drives better decision making and improved profitability for the real estate, mortgage lending and secondary investor markets. DataQuick’s integrated solutions include property data and analytics, appraisals and non-appraisal evaluations, flood determinations, mortgage credit reports, automated valuation models, automated decisioning software, Title insurance and property information, property research portals and marketing tools. For more information, visit the company’s website at www.dataquick.com, on LinkedIn, or on Twitter at @DataQuick.
About Decision Insight Information Group
Decision Insight Information Group, located in the U.S., Canada and Europe, delivers a comprehensive range of information, infrastructure and decision support products and services for financial and legal professionals. Operating at the heart of the property industry, Decision Insight Information Group manages complex information solutions and provides clarity on decision making for buying, selling, conveyancing, financing and insurance. Decision Insight Information Group companies include MSB and DataQuick in the U.S., Access Point Information Canada, SearchFlow, xit2 and Decision Insight Hub in the UK, Millar & Bryce in Scotland, Rochford Brady Group in the Republic of Ireland, Wertweiser, a joint venture with HVB Bank, in Germany, and Decision First, a joint venture with First Title, in the UK. Decision Insight Information Group has 1,100 employees in 16 offices. For more information, visit www.decisioninsightgroup.com. Decision Insight Information Group is a TPG Capital portfolio company.
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