Capital Markets and Government Solutions from Black Knight

ADVANCED DATA AND ANALYTICS

Black Knight’s advanced, comprehensive data and analytics solutions help our clients in the capital markets and government sectors create more efficient, affordable and reliable operations. As a trusted partner, we work extensively with federal regulators, Government-Sponsored Enterprises (GSEs) and numerous other government agencies and institutions, as well as capital markets professionals, to:

Improve strategic and tactical performance
Identify, reduce and mitigate risk
Develop and satisfy regulatory requirements
Leverage cost savings
Support the creation of public policies

MORTGAGE PERFORMANCE DATA AND ANALYTICS

Mortgage Performance Data

Get advanced mortgage performance data from eight of the top 10 servicers in the nation, as well as sophisticated, accurate models and analytics for single-family mortgages. Black Knight’s historical loan assets date back more than 17 years and include nearly 150 million loans. With our solutions, you can:

Perform land valuations and research
Aggregate data for supervisory analytical research projects
Identify property owners; access public records documents; locate REO properties

Mortgage Analytics

Combine default, prepayment, loss and valuation into a single, comprehensive, holistic view of mortgage performance with Black Knight’s advanced AFT^SM Prepayment and Credit Model.

Gain deeper insight to make more informed decisions
Validate loan-level decisioning
Obtain probabilities for prepayment risk, credit and default risk, loss severity and home price performance

PORTFOLIO MANAGEMENT SOLUTIONS

Capital and secondary market professionals, as well as government organizations, rely on our portfolio management and due diligence solutions to obtain sophisticated, critical loan portfolio information.

Customized to solve your unique challenges, our advanced portfolio management and due diligence solutions can help you evaluate and manage mortgage risk within a portfolio.

Perform benchmarking and analysis
Maximize your loss mitigation strategy by monitoring liens on the collateral securing your loans
Perform due diligence assessments on portfolios for acquisition
Minimize potential foreclosure losses

Government Program Administration

Proprietary servicer tier rankings
Borrower modification program tracking
Bank-stress testing data
Cash collection reconciliation

Black Knight Index Suite

Provides an overview of prepayment and credit market performance, as well as insight into the status of the origination market.

The suite’s rich collection of indices can provide useful tools for economic forecasting, decision-making, risk management, research, modeling, and a wide range of other applications.

Help determine market conditions with:

Home Listing Index

Provides previously unavailable insights into the supply side of the housing market.

Housing Market Index

Includes the Home Listing Index and an enhanced version of the Black Knight HPI, which includes support for 3-digit ZIP codes for easier matching with Credit Risk Transfer data and Freddie Mac/Fannie Mae single-family mortgage performance data. Includes views of historical monthly home price movements, HPI forecast scenarios and time coverage extending back to 1975.

Mortgage Market Index

Tracks changes in portfolio risk profiles via Mortgage Origination and Mortgage Performance Indices, each consisting of monthly time series measuring market and mortgage performance over the life cycle of a group of loans. The Mortgage Market Index Series is believed to be the first of its kind available on the market to provide thorough mortgage performance analysis based on geographical, cohort-level risks.

PROPERTY DATA

Black Knight’s industry-leading U.S. property database features more than 160 million property records representing 99.9% of the U.S. population.

Public Records

Historical data on more than 580 million real estate transactions
Data sets include assignments, releases, tax assessors, deeds, mortgages, pre-foreclosure and foreclosure
A wide variety of property reports is available through Black Knight’s SiteXPro^SM portal, which gives users instant access to property and mortgage data for lead generation and other uses

Valuations

Black Knight combines our industry-leading data, proprietary information, proven methodologies and advanced user and performance testing to deliver a variety of property valuation solutions with exceptionally reliable results to support:

Market intelligence and research
Asset forfeitures
Community projects
Eminent domain
Appraisal reviews
Estate tax audits

Property Tax

Black Knight’s on-demand property tax reporting helps reduce the costs and challenges of procuring comprehensive tax data and conducting timely tax searches.

Nationwide tax data from every agency in the U.S.
More than 80 percent of all U.S. county, municipal, and special tax jurisdiction tax records
Tax payment history on more than 100 million parcels

Listed Properties for Sale

Black Knight has partnered with Realtors Property Resource^® (RPR) — a subsidiary of the National Association of REALTORS^® (NAR) — to provide clients with the most current and accurate MLS listing data available — directly from the source.

Includes approximately 1.6 million active MLS listings representing roughly 85 percent of U.S. coverage

PACE Liens

Black Knight’s property data can provide qualification and verification of Property Assessed Clean Energy (PACE) liens and/or assessments.

HOA Data

Black Knight’s HOA Identification and HOA Direct reports can determine if a homeowners association exists on a property.

DEFAULT AND PREPAYMENT FORECASTING MODELS

Use Black Knight’s Mortgage Scores and RentRange^® solutions to assist with market futures, segmentation, benchmarking, decisioning, loss reserving, rental-market-strength indicators and more.

Mortgage Scores

Loan-level metrics for identifying, prioritizing and predicting risk of prepay, default and loss over time. Measures the risk, borrower equity and value of each loan based on borrower behavior patterns relative to economic conditions.

RentRange®

Timely, reliable rental-market data. Includes rental rates for specific addresses by ZIP code, vacancy rates, comparable rental-property information and more.

Lien Analytics Suite

Delivers the information needed to understand portfolio depth and dynamics to help effectively manage risk. Features the following three products for comprehensive, accurate and current views of portfolios:

Public Record Only Lien Identification (PROLI): Analyzes the various data points for a given property and mortgage to check the validity of the mortgage’s collateral position and a historical view of the property for greater insight.
Lien Alert: Instantly provides alerts on 10 key lien-related indicators that could negatively impact a loan, such as a tax delinquency, bankruptcy, involuntary lien, etc.

REGULATORY AND ACCOUNTING COMPLIANCE SOLUTIONS

Research services for state and federal homeowner assistance programs (e.g., HAMP, HARP, etc.).

CCAR/DFAST

CECL

GOVERNMENT PROGRAM ADMINISTRATION

Proprietary servicer tier rankings
Borrower-modification-program tracking
Bank-stress testing data
Cash collection reconciliation

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Capital Markets and Government