The document discusses various trends and applications in the real estate market, including home prices, loan origination, foreclosure rates, and investor behaviors. It highlights the increasing role of technology in real estate, specifically through data solutions that enhance property valuation and mortgage processes. The report outlines insights from industry leaders and the impact of macroeconomic factors on homeownership and market dynamics.

1. Real Estate Data: Trends & Applications
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2. What we’ll cover
• Macro housing trends
• Homeownership
• Home prices
• Affordability
• Loan origination
• Investor-focused housing trends
• Foreclosure
• Home Flipping
• Single Family Rental
• Neighborhood rankings
• Real-Life Applications of Real Estate Data
• Peppered in
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5. U.S. Home Prices at New All-Time High

6. Home Price Appreciation Decelerating
Click for Interactive Heat Map

7. Clear Capital: Property Valuation
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Fueling Property Valuation
and Analytics
“ATTOM’s property data solutions are key
to Clear Capital providing accurate and
innovative property valuation products to
the mortgage industry. Whether fueling
our automated analytics like ClearAVM, or
assisting our staff with quality review,
ATTOM’s datasets allow us to set the bar
as a property valuation leader."
Kenon Chen
Clear Capital EVP ProductData Solution
Bulk tax assessor,
recorder deed/mortgage
and pre-foreclosure
Use Case No.1
Integrates public record
property data into various
lender valuation products
Provides tech-driven real estate valuation solutions
to mortgage originators, servicers, GSEs and
capital markets participants

8. U.S. Distressed Sales at 11-Year Low

9. Rising Share of TPS at Foreclosure Auction

10. Auction.comTransparency Trump Card
Owns and operates two online real
estate marketplaces: Auction.com and
Ten-X Commercial.
Has sold over $46 billion in residential
and commercial properties since 2007
(more than 250,000 properties).
Analyzes distressed market sales data
for the company’s strategic planning
In Q1 2017 launched HomeDisclosure
reports – public record, neighborhood
and hazard risk data packaged in
consumer-friendly format -- for properties
listed on Auction.com

11. Click for Interactive Heat Map
1 in 10 U.S.
homes still
underwater
But 1 in 4
now equity
rich

12. Click for Interactive Heat Map

13. Windfall Data: Identifying Affluent Owners
Windfall models out the net worth of affluent consumers
with more than $1 million in wealth.
In addition to net worth, also provides additional
household-level data (we call them triggers /signals) so
that our customers can analyze their existing customer
base and acquire net-new customers.
Real estate data is incredibly valuable to us to ensure
that we understand: (a) who owns the property (b)
when it was purchased and (c) the details around the
property (square footage, bedrooms, bathrooms, etc).
Windfall officially launched in July 2016, and since then
we have amassed 200+ customers in sectors such as
nonprofits, financial services.

14. Top loan originators
Non-banks gaining market share.

15. 15Copyright © 2018 ATTOM Data Solutions. All rights reserved. [ CONFIDENTIAL ]
Designing the Digital Mortgage
Digital mortgage origination for investment
properties (fix-and-flip)
Data Solution
Bulk tax assessor,
recorder deed,
foreclosure
Use Case No.1
Automation of online mortgage
application process and
borrower pre-qualification
Matt Humphrey
LendingHome CEO
“Online lenders like us exist because banks
and large lenders don’t play in this space,
and they aren’t using technology to be
efficient, nimble and fast. Now that
investors have digital-native lenders
catering to them, financing becomes an
attractive alternative to cash. We predict
this trend will continue because 2018 is
already off to an incredible start for us.”
Designing a Digital Mortgage

16. Powering an Online Mortgage Marketplace
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A leading online loan marketplace helping consumers connect with
multiple lenders for various financial borrowing needs
Data Solution
Bulk tax assessor, recorder
deed/mortgage, AVM
Use Case No.1
Online mortgage application pre-fill and validation with
property characteristics, ownership details, transaction
history and automated valuation model
Powering an Online Mortgage Marketplace

17. HELOCs Up 14 Percent in Q1 2018

18. Accurate Group: Tech-Driven Appraisals
“While there was early speculation that tax law changes
related to home equity loans might dampen demand, that is
not playing out in the market,” said Paul Doman, president
and CEO of Accurate Group, which provides appraisal and
title solutions for home equity lenders. “The strong HELOC
growth in Q1 is consistent with the results of our March
2018 Home Equity Lender Survey, in which lenders were
nearly unanimous in their belief that tax savings is not the
primary driver for HELOC demand. Demand for our home
equity appraisal, title and closing solutions remains strong
so far this year -- an indicator that lenders are continuing to
grow that portion of their business.”

21. Loan portfolio/security matching use case
Client provided securitized loan portfolio data
ATTOM matched and appended with property address
and additional loan details.

22. Loan portfolio/security matching use case
Client provided name of assignee
ATTOM identified 110 loan assignments and appended
property, loan and foreclosure activity data

23. New post-recession low in foreclosure activity

24. Foreclosure finally becoming more efficient.

25. Foreclosure timelines an Achilles Heel

26. Fewer foreclosures tied to bubble-era loans

27. Localized upticks in foreclosure starts
Click for Interactive Heat Map

28. Above-average default rates on 2014 FHA loans

29. Foresight: Risk Mitigation, ID Verification
Creates risk mitigation and ID verification applications fed with public record
property data via API
Launched in 2011 primarily providing risk mitigation services to mortgage
resellers
Expanded to providing identification verification for other industries as diverse
as online dating and law enforcement.
“We have an app where if a police officer or sheriff pulls someone … we take an
input of a phone number, and we’ll bounce it off a number of different data
sources. Our most premium service will offer homeownership and address as
part of that.” – Jim Waters, CEO

30. Home flipping rate matches six-year high.

31. Flipping profits squeezed.

32. Fix-and-Flip financing at 9-year high.

33. Click for Interactive Heat Map

34. LendingHome: Fix-and-Flip Lending
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Defining a New Industry
Use Case No.2
Market analytics and marketing for the fix-and-flip
lending space
Digital mortgage origination for investment
properties (fix-and-flip)
“Wall Street has become more comfortable
with the fix-and-flip space because they now
have access to four years of performance
data, and they’ve actively watched the
development of this asset class. Large-
scale, low-cost financing coupled with
efficient tech-driven operations — like ours
at LendingHome — means lower fees to
borrowers with terms that work for them.”
Matt Humphrey
LendingHome CEO

36. Mom-and-pops with biggest piece of SFR pie

37. Rising middle of the Single Family Rental market

38. Click for Interactive Heat Map

39. Roofstock: Disrupting the SFR Industry
Roofstock was formed when hedge-fund thinking collided with the often-
inefficient single family real estate market in the wake of the Great Recession.
The platform went from $40 million in transactions in 2016 to nearly $1 billion
2017 — a 25-x increase.
One of the company’s projects last year was to complete a property database of
all the SFR owners in the country and use that data to make the company
relevant to its clients.

40. Click for Interactive Heat Map

41. Rental Returns by Neighborhood

42. Flipping Returns by Neighborhood

43. Audantic: Innovation Beats Intuition
Applies machine learning and predictive analytics to public record real estate
data to match real estate investors (typically buying at least 100 properties a
year) with homeowners likely to sell at a discount.
Began as startup in 2014 with two clients and through quality results and word
of mouth spread to clients in more than 200 U.S. counties by mid-2016
Boasts a 95 percent customer retention rate, and 65 percent of customers have
expanded business
“A lot of investors have used intuition to determine how to do their marketing,
and we’re able to apply predictive analytics to the data to get much higher
results.” – Franklin Sarkett, CTO

44. Thank You!
• For a copy of this slideshow email
marketing@attomdata.com.
• Go to www.attomdata.com for more
information on data solutions and client
case studies.
• Go to www.attomdata.com/news for regular
reports on housing market trends.