Data Quality Report
PASS
Generated: 2026-03-13 08:39:29 | Database: data/mortgage_analytics.duckdb
2. Completeness Assessment
| Column | Null % | Threshold | Status | Distribution |
|---|
loan_id |
0.0% |
0.0% |
PASS |
|
credit_score |
0.036% |
5.0% |
PASS |
|
ltv |
0.0% |
5.0% |
PASS |
|
dti |
0.019% |
10.0% |
PASS |
|
current_upb |
0.0% |
2.0% |
PASS |
|
delinquency_status |
0.0% |
1.0% |
PASS |
|
property_state |
0.0% |
10.0% |
PASS |
|
orig_interest_rate |
0.0% |
10.0% |
PASS |
|
payment_history |
0.0% |
10.0% |
PASS |
|
current_credit_score |
0.705% |
10.0% |
PASS |
|
3. Validity Checks
| Check | Violations | % of Total | Status |
|---|
| Credit score outside 300–850 |
0 |
0.0% |
PASS |
| LTV outside 1–200 |
0 |
0.0% |
PASS |
| Interest rate outside 0.1–15% |
0 |
0.0% |
PASS |
| Negative current UPB |
0 |
0.0% |
PASS |
| Empty property state |
0 |
0.0% |
PASS |
| Payment history shorter than 10 chars |
0 |
0.0% |
PASS |
4. Consistency Checks
| Check | Violations | % of Total | Status | Note |
|---|
| Current UPB exceeds original amount (performing loans) |
3,815 |
0.384% |
PASS |
May occur for loans with capitalized arrearages after modification |
| Duplicate loan IDs |
0 |
0.0% |
PASS |
|
| Missing loan_age |
574 |
0.058% |
PASS |
Expected for SC-format files which do not populate this field |
5. Distribution Profiles
Credit Score Bands
| Band | Loans | % of Total | Distribution |
|---|
| Subprime (<620) |
591 |
0.1% |
|
| Fair (620-679) |
73,577 |
7.4% |
|
| Good (680-719) |
167,284 |
16.9% |
|
| Very Good (720-779) |
428,269 |
43.2% |
|
| Excellent (780+) |
322,207 |
32.5% |
|
Delinquency Status
| Status | Loans | % of Total |
|---|
| Current |
982,034 |
98.97% |
| 30_DPD |
5,344 |
0.54% |
| 60_DPD |
1,371 |
0.14% |
| 90_DPD |
635 |
0.06% |
| 120_Plus_DPD |
2,682 |
0.27% |
| REO_Acquired |
223 |
0.02% |
Vintage Year
| Year | Loans | % of Total |
|---|
| 2014 |
296 |
0.0% |
| 2015 |
2,887 |
0.3% |
| 2016 |
148,415 |
15.0% |
| 2017 |
157,129 |
15.8% |
| 2018 |
110,769 |
11.2% |
| 2019 |
105,940 |
10.7% |
| 2020 |
193,679 |
19.5% |
| 2021 |
109,770 |
11.1% |
| 2022 |
50,446 |
5.1% |
| 2023 |
56,813 |
5.7% |
| 2024 |
56,145 |
5.7% |
6. Per-Pool Load Manifest
| Pool | Loans | Status |
|---|
15SC |
574 |
PASS |
16DI01 |
16,613 |
PASS |
17DNA1 |
137,250 |
PASS |
18DNA1 |
146,937 |
PASS |
19DNA1 |
106,427 |
PASS |
20DNA1 |
117,581 |
PASS |
21DNA1 |
193,729 |
PASS |
22DNA1 |
109,774 |
PASS |
23DNA1 |
47,367 |
PASS |
24DNA1 |
59,003 |
PASS |
25DNA1 |
57,034 |
PASS |