Overview
Financials include data about a family's assets, income and loans.
Family Financials
Estimations of a family’s financial details:
family.estimated_income- The estimated income of the family.family.estimated_income_range- The estimated income range of the family.family.estimated_disposable_income- Estimates disposable income of the family.family.estimated_wealth- The estimated wealth of the family.family.estimated_credit_card_revolver- Estimates if the family uses credit cards as revolving loans.family.estimated_vacation_expenses- The estimated expenses the family spends on vacations.family.potential_investor- Indicates the family is likely to make financial investments.family.estimated_liquid_assets- An estimate of a family's liquid assets.
Home Ownership
A family can own a home and optionally have a mortgage.
family.home_owner- The family owns their home.family.estimated_home_owner- Estimates if the family owns their home.- Family - Data Guide
Mortgage
A combination of estimated and observed data describes a homeowner's mortgage:
mortgage.owner- The individual is directly associated with the property mortgage.mortgage.loan_type- Identifies the type of mortgage loan on the property.mortgage.loan_amount- The amount of the mortgage loan.mortgage.finance_type- The type of finance used on the mortgage loan.mortgage.estimated_home_equity- An estimate of the current home equity.mortgage.estimated_interest_rate- The interest rate on the mortgage loan.mortgage.estimated_loan_to_value- The estimated loan to value ratio.mortgage.sale_date- The date of property sale.mortgage.sale_month- The month of the property sale.mortgage.sale_price- The price the home sold at.mortgage.estimated_monthly_payment- The estimated monthly payment for the mortgage.mortgage.second_mortgage_type- Identifies the loan type of the second mortgage loan.mortgage.second_mortgage_amount- The amount of the second mortgage loan on the property.
Availability of mortgage data may be restricted for certain use cases. See your account representative for more information.
Secondary Properties
Secondary properties indicate whether a family also owns a property elsewhere. The other mortgage attributes do not consider secondary properties when calculating values.
See also:
mortgage.has_second_property- The family owns properties other than their residence.mortgage.second_property_value- A sum of the property values associated with second mortgages.
Usage Restrictions
Three states and three counties prohibit public information such as deed and assessor records from being used for marketing purposes.
States prohibiting use of public record information for marketing:
- Idaho
- Kansas
- Montana
Counties prohibiting public record information for marketing:
- Merced, CA
- Davidson County, TN
- Walla Walla, WA
Individual Credit Cards
Real data is collected about an individual's open credit cards:
credit_card_types- Indicates types of credit cards the person has.credit_card_count- The number of credit cards associated with the person.
Individual Economic Status
Estimations of an individual’s financial status and stability:
economic_stability_index- Estimate of a person's economic stabilitysocioeconomic_status- Quality of a person's neighborhood on the socio-economic continuum