A data makeover: How agency delivery requirements impact the industryÕ future 

It’s been nearly eight years since the housing market collapsed, but the mortgage industry is on the path to building a foundation for long-term success. Part of this success can be attributed to how the government-sponsored enterprises (GSEs) rebuilt the foundation on data. The process to create a common approach, protocol and dataset for the capture of electronic appraisal and other loan delivery data has yielded tangible results, setting the stage for similar initiatives over the coming years – ultimately creating a new normal for the mortgage lifecycle.