Finance
23 columns
500 rows
8 formats

Mortgage Underwriting Data

This dataset provides a detailed record of residential mortgage applications, including applicant demographics, property appraisals, title search results, income documentation, loan-to-value calculations, and compliance with GSE guidelines. It is ideal for risk assessment, regulatory compliance analysis, and process optimization in mortgage underwriting.

last updated 1 Nov 2025
by GoMask

The brief that made it

Automated mortgage risk assessment and approval workflow

Sample rows

preview · 8 of 500 rows · all 23 columns

application_idstring	application_statusstring	loan_to_value_ratiofloat	title_search_completedboolean	underwriter_idstring	applicant_first_namestring	applicant_last_namestring	applicant_ssnstring	applicant_date_of_birthdate	applicant_incomefloat	income_documentation_typestring	property_address_streetstring	property_address_citystring	property_address_statestring	property_address_postal_codestring	property_address_countrystring	property_appraisal_valuefloat	property_appraisal_datedate	title_search_issuesstring	loan_amountfloat	gse_guideline_complianceboolean	gse_guideline_notesstring	application_submission_datedate
APP-00001	Approved	90	true	UW-101	Oliver	Murphy	294-77-3812	1987-04-12	98300.25	W-2	1259 Maplewood Dr.	New York	NY	10024	USA	720000	2024-03-17	blank	648000	true	blank	2024-03-14
APP-00002	Approved	75	true	UW-105	Sophia	Williams	681-45-2773	1976-10-03	142000	Tax Return	3001 Longfellow Ave.	Chicago	IL	60618	USA	1200000	2024-02-28	blank	900000	true	blank	2024-02-25
APP-00003	Approved	80	true	UW-102	Jackson	Hernandez	546-33-9714	1994-08-19	71055.5	Pay Stub	2103 Pinecrest Rd.	Dallas	TX	75214	USA	365000	2024-03-06	blank	292000	true	blank	2024-03-03
APP-00004	Approved	80	true	UW-104	Emily	Johnson	413-22-7865	1963-01-31	54000	Tax Return	1998 Rosewood Ct.	San Jose	CA	95128	USA	415000	2024-04-03	Lien discovered, resolved	332000	true	Lien resolved prior to closing.	2024-03-30
APP-00005	Pending	0	false	blank	Matthew	Nguyen	785-98-2231	2003-07-22	16000	Pay Stub	2942 Oakridge Cir.	Tampa	FL	33606	USA	127000	2024-01-26	blank	0	false	blank	2024-01-23
APP-00006	Approved	80	true	UW-103	Mia	Baker	312-11-7625	1980-12-15	82500.75	W-2	1320 Kings Hwy.	Boston	MA	02118	USA	558000	2024-02-17	blank	446400	true	blank	2024-02-14
APP-00007	Approved	60	true	UW-105	Ava	Smith	593-24-6723	1951-09-02	41000	Tax Return	8830 Willow Ln.	Portland	OR	97209	USA	255000	2024-02-09	Title transfer delay	153000	true	blank	2024-02-05
APP-00008	Approved	90	true	UW-101	James	Roberts	402-59-8332	1985-05-28	172500	W-2	4211 Cedar St.	Los Angeles	CA	90019	USA	1000000	2024-03-13	blank	900000	true	blank	2024-03-10
APP-00009	Rejected	50	true	UW-104	Ella	Garcia	654-08-3172	1948-03-14	28000	Other	5782 Lakeview Blvd.	Augusta	GA	30909	USA	142000	2024-01-30	Estate proceedings ongoing	71000	false	Applicant income below threshold.	2024-01-27
APP-00010	Approved	80	true	UW-102	Benjamin	Lee	318-76-5492	1991-12-20	115800	W-2	3720 Highland Ave.	Seattle	WA	98103	USA	680000	2024-04-01	blank	544000	true	blank	2024-03-29
APP-00011	Approved	70	true	UW-103	Charlotte	Martinez	957-61-3002	1967-06-09	59000	Tax Return	7957 River Rd.	St. Louis	MO	63108	USA	240000	2024-02-22	Unreleased mortgage found	168000	true	Mortgage released after verification.	2024-02-20
APP-00012	Pending	0	false	blank	Lucas	Hall	200-14-9228	1999-02-18	43000	Pay Stub	1504 Forest St.	Phoenix	AZ	85018	USA	175000	2024-03-18	blank	0	false	blank	2024-03-16
APP-00013	Approved	70	true	UW-101	Henry	Clark	468-29-7215	1972-11-03	67000	Tax Return	2629 Birchwood Rd.	Minneapolis	MN	55408	USA	312000	2024-03-08	blank	218400	true	blank	2024-03-06
APP-00014	Rejected	50	true	UW-102	Amelia	Lewis	509-72-5812	1959-05-25	32000	Other	4700 Elm St.	Des Moines	IA	50312	USA	120000	2024-02-19	Boundary dispute	60000	false	Dispute pending resolution.	2024-02-17
APP-00015	Approved	80	true	UW-104	Jack	Walker	317-84-5077	1990-10-09	125000	W-2	6217 Ridgecrest Dr.	San Francisco	CA	94122	USA	980000	2024-01-31	blank	784000	true	blank	2024-01-25
APP-00016	Approved	70	true	UW-103	Grace	King	801-42-3215	1969-06-14	48000	Tax Return	3800 Magnolia Blvd.	Little Rock	AR	72205	USA	205000	2024-03-21	blank	143500	true	blank	2024-03-19
APP-00017	Pending	0	false	blank	Ethan	Perez	294-88-1452	2007-06-05	0	Other	9107 Morningside Ave.	Boise	ID	83702	USA	10000	2024-04-02	blank	0	false	blank	2024-03-29
APP-00018	Approved	80	true	UW-105	Harper	Moore	721-93-5876	1979-08-11	92000	Tax Return	3308 Aspen Ave.	Denver	CO	80206	USA	350000	2024-02-12	blank	280000	true	blank	2024-02-10
APP-00019	Rejected	70	true	UW-101	Lily	Adams	815-27-3484	1962-10-18	54000	Tax Return	4876 Parkside Blvd.	Madison	WI	53711	USA	185000	2024-03-05	Unpaid property tax	129500	false	Pending tax clearance.	2024-03-03
APP-00020	Approved	80	true	UW-104	Mason	Turner	390-66-2581	1988-09-13	97000	W-2	8160 Oakwood Dr.	Houston	TX	77004	USA	420000	2024-01-20	blank	336000	true	blank	2024-01-19

What the 500 rows show

from the 500-row sample

Approved (application status) stands out: mean loan_to_value_ratio is 78.8, against 39.6 for the rest.

92%title_search_completed = true
80.0median loan_to_value_ratio
4income documentation types
49property address states
102property address cities
74,750median applicant_income

Mean loan_to_value_ratio by application_status500 rows

loan_to_value_ratio500 rows, in bands of 10

Median 80.0, from 0.0 to 91.0.

underwriter_id461 rows with a value · 39 left blank

UW-10440
UW-10127
UW-10526
UW-10225
UW-31225
UW-10320
UW-40517
UW-58316
UW-30316
UW-20915

23 columns by typefrom the column list below

string 14
float 4
date 3
boolean 2

Columns

23 columns in four groups

blueprint · 23 columns
column	type	description	example
Text 14 columns
`application_id`	string	Unique identifier for each mortgage applicationunique	APP-00001
`applicant_first_name`	string	Applicant's first name	Oliver
`applicant_last_name`	string	Applicant's last name	Murphy
`applicant_ssn`	string	Applicant's Social Security Numberunique	294-77-3812
`income_documentation_type`	string	Type of income documentation provided (e.g., W-2, tax return, pay stub)W-2 · Tax Return · Pay Stub · Other	W-2
`property_address_street`	string	Street address of the property	1259 Maplewood Dr.
`property_address_city`	string	City where the property is located	New York
`property_address_state`	string	State where the property is located	NY
`property_address_postal_code`	string	Postal code of the property	10024
`property_address_country`	string	Country where the property is locatedUSA	USA
`title_search_issues`	string	Description of any issues found during the title searchoptional	Title transfer delay
`gse_guideline_notes`	string	Notes regarding GSE guideline compliance or exceptionsoptional	Pending tax clearance.
`application_status`	string	Current status of the mortgage applicationPending · Approved · Rejected · Withdrawn	Approved
`underwriter_id`	string	Identifier for the underwriter assigned to the applicationoptional	UW-101
Numbers 4 columns
`applicant_income`	float	Applicant's annual income in USD0 or more	98300.25
`property_appraisal_value`	float	Appraised value of the property in USD0 or more	720000
`loan_amount`	float	Requested loan amount in USD0 or more	648000
`loan_to_value_ratio`	float	Loan-to-value ratio (LTV) as a percentage0 to 100	90
Dates and times 3 columns
`applicant_date_of_birth`	date	Applicant's date of birth	1987-04-12
`property_appraisal_date`	date	Date of the property appraisal	2024-03-17
`application_submission_date`	date	Date the mortgage application was submitted	2024-03-14
True or false 2 columns
`title_search_completed`	boolean	Indicates whether the title search has been completed	true
`gse_guideline_compliance`	boolean	Indicates if the application complies with GSE (Government-Sponsored Enterprise) guidelines	true

Use it for

A finance dashboard
The title_search_completed rate, loan_to_value_ratio by application_status and a breakdown of underwriter_id. Excel, Power BI or Tableau.
Why do the 377 Approved rows have a mean loan_to_value_ratio of 78.8?
A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
Applications500
APP-0000190Approved
APP-0000275Approved
APP-000050Pending
A software demo
Believable applications with applicant_first_name, applicant_last_name and applicant_ssn to fill a screen in front of a buyer.

This dataset500 rows23 columns

Yours1,000 rows23 columnsproperty_address_street: UK only

blueprint · mortgage-underwriting-data-2

Behind this dataset

Same schema. As many rows as you need.

These 500 rows came out of a blueprint — 23 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

Property appraisal required
Loan-to-value ratio maximum 80% without PMI
Debt-to-income ratio maximum 43% (QM rule)
Employment verification: 2 years history
Income documentation: W-2, pay stubs, tax returns
Title search and insurance
Home inspection recommended
Flood zone determination

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. New accounts start with 25 free credits.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: mortgage-underwriting-data-2

What should your data show?

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Sample rows

What the 500 rows show

Columns

Use it for

A finance dashboard

A root-cause class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?