DOI: 10.57761/9das-kv32
title: Cotality Smart Data Platform: Owner Transfer and Mortgage

description: If you have questions or concerns, please contact Regina Roberts at regirob@stanford.edu.
description: Title: CoreLogic Smart Data Platform (SDP): Owner Transfer and Mortgage

The Owner Transfer and Mortgage data covers over 450 million properties, and includes over 50 years of sales history. The tables were generated in August 2022, and cover all U.S. states, the U.S. Virgin Islands, Guam, and Washington, D.C.

The CoreLogic Smart Data Platform (SDP) Owner Transfer and Mortgage data was formerly known as the CoreLogic Deed data. The CoreLogic Deed data contained both owner transfer and mortgage information. In the CoreLogic Smart Data Platform (SDP), this data was separated into two tables: Owner Transfer and Mortgage. Between the two tables, the CoreLogic Smart Data Platform (SDP) Owner Transfer and Mortgage data contains almost all of the variables that were included in the CoreLogic Deed data. Further, each CoreLogic Smart Data Platform (SDP) table is augmented with additional owner transfer and mortgage characteristics.
description: In the United States, parcel data is public record information that describes a division of land (also referred to as "property" or "real estate"). Each parcel is given a unique identifier called an Assessor’s Parcel Number or APN. The two principal types of records maintained by county government agencies for each parcel of land are deed and property tax records. When a real estate transaction takes place (e.g. a change in ownership), a property deed must be signed by both the buyer and seller. The deed will then be filed with the County Recorder’s offices, sometimes called the County Clerk-Recorder or other similar title. Property tax records are maintained by County Tax Assessor’s offices; they show the amount of taxes assessed on a parcel and include a detailed description of any structures or buildings on the parcel, including year built, square footages, building type, amenities like a pool, etc. There is not a uniform format for storing parcel data across the 3,006 counties in the U.S.; laws and regulations governing real estate/property sales vary by state. Counties also have inconsistent approaches to archiving historical parcel data.





To fill researchers’ needs for uniform parcel data, CoreLogic collects, cleans, and normalizes public records that they collect from U.S. County Assessor and Recorder offices. CoreLogic augments this data with information gathered from other public and non-public sources (e.g., loan issuers, real estate agents, landlords, etc.). The Stanford Libraries have purchased bulk extracts from CoreLogic’s public records data, including mortgage, owner transfer, pre-foreclosure, and historical and contemporary tax assessment data. Data is bundled into pipe-delimited text files, which we upload to Redivis for preview, extraction and light analysis.




description: The Owner Transfer data provides historical information about property sales and ownership-related transactions, including full, nominal, and quitclaim transactions (involving a change in title/ownership). The Owner Transfer data contains comprehensive property and transaction information, such as property characteristics, current ownership, transaction history, title company, cash purchase/foreclosure/resale/short sale indicators, and buyer information.



The Mortgage data provides historical information at the mortgage level, including purchase, refinance, equity, as well as details associated with each transaction, such as lender, loan amount, loan date, interest rate, etc. Mortgage details include mortgage amount, type of loan (conventional, FHA, VHA), mortgage rate type, mortgage purpose (cash out first, consolidation, standalone subordinate), mortgage ARM features, and mortgage indicators such as fixed-rate, conforming loan, construction loan, and private party. The Mortgage data also includes subordinate mortgage types, rate details, and lender details (NMLS ID, Loan Company, Loan Officers).



The Property, Mortgage, Owner Transfer, Historical Property and Pre-Foreclosure data can be linked on the **CLIP**, a unique identification number assigned to each property.





Mortgage records can be linked to a transaction using the **Mortgage Composite Transaction ID**.



For more information about included variables, please see ***Core\_Logic\_SDP\_Owner\_Transfer\_Codebook.xlsx*** and ***Core\_Logic\_SDP\_Mortgage\_Codebook.xlsx*** (under** Supporting files**).



For a count of records per FIPS code, please see ***owner\_transfer\_counts.txt*** and ***mortgage\_counts.txt*** (under **Supporting files**).



For more information about how the CoreLogic Smart Data Platform: Owner Transfer and Mortgage data compares to legacy data, please see ***Legacy\_Content\_Mapping.pdf ***(under **Supporting files**).



For more information about the terms of use, please see

***2022\_corelogic\_sdp\_end\_user\_license\_agreement.pdf*** (under **Supporting files**).