NATIONAL SURVEY OF MORTGAGE ORIGINATIONS DATASET RELEASED

摘要

The Federal Housing Finance Agency (FHFA) and the Bureau of Consumer Financial Protection (BCFP) have released for public use a loan-level dataset collected through the National Survey of Mortgage Originations (NSMO) that provides insights into borrowers' experiences in getting a residential mortgage. Launched in 2012 by FHFA and the BCFP, the NSMO is a component of the National Mortgage Database (NMDB), a repository of mortgage loan information that supports policymaking and research efforts and helps regulators better understand emerging mortgage and housing market trends. In each quarter since 2014, FHFA and the BCFP sent surveys to borrowers who had recently obtained mortgages to gather feedback on their experiences during the process of getting a mortgage, their perception of the mortgage market, and their future expectations. FHFA and the BCFP have been compiling the NSMO survey data, and this dataset is the first public release.