Score Watch
Independent research on the FICO mortgage franchise
Score Watch Tape · Self-serve

The lender state table, delivered to you every morning at 7am.

Score Watch's full lender state table and signal stream, exported as clean CSV and JSON, refreshed daily. Schema is stable, point-in-time history is preserved, and the data is yours to use inside your model.

No demo call. No procurement cycle. No SDR follow-up. Subscribe with a credit card; your access provisions during a 14-day setup window. Billing begins when the first export ships.

Sample CSV Sample JSON

Annual billing. 14-day setup period during which we provision your SFTP credential. Cancel anytime — no refund for current period. Samples reflect production schema with watermarked “live” values.

§ 01 · Inside the export

Five datasets. One delivery.

01

Lender state table

Sixty originators. Twenty-four columns each. Contract type, renewal date, VS pilot status, defection score with five-component decomposition, public stance, volume, executives, segment.

60 rows · refreshed daily · point-in-time history since launch
CSV + JSON
02

Signal stream

Every tagged event since launch. Earnings line, SEC filing language change, FHFA filing, executive social post, trade press, government affairs. Each signal carries downstream score-impact attribution.

Cumulative archive · refreshed daily
JSON
03

Pricing trajectory

Wholesale royalty per pull, per-score direct, performance-model history. Funded-rate breakeven curves. Lender-attributed where disclosed.

2018–present · monthly granularity
CSV
04

Hostility index time series

Daily values for six stakeholder cohorts: Senate Banking, FHFA leadership, mortgage trade press, CHLA/MBA, sell-side analysts, bank lender base. Methodology disclosed.

Daily values since launch
CSV
05

Geographic exposure

State-level origination volume cross-referenced with VS pilot exposure. The map under your geographic risk overlay.

50 states + DC · refreshed weekly
CSV
§ 02 · Delivery

Engineered for an analyst's morning routine.

Schedule
  • 7:00 ETDaily snapshot drops to your SFTP / S3 bucket
  • ContinuousSignal stream updates throughout the trading day
  • QuarterlyMethodology version notes published
Engineering
  • SFTP / S3Pick your delivery target on signup
  • PIT-stableEvery snapshot is timestamped and immutable; backtest-clean
  • VersionedSchema changes follow semver; old versions remain available 90 days
  • No SLA99% uptime target but no contractual SLA at this price tier
A note on what this product is and isn't. This is the data export, priced for individual analysts and small teams. It does not include a contractual SLA, dedicated support, custom schema work, or distribution rights inside your firm. If you need those, the Institutional Core Feed exists at a higher price point — email data@score-watch.com.
§ 03 · Features

Everything that lands at 7am ET.

  • Lender state table (60 lenders, 24+ columns)
  • Signal stream JSON archive
  • Pricing trajectory dataset
  • Hostility index time series
  • Geographic exposure model
  • Daily 7am ET delivery to your SFTP or S3
  • Schema versioning with 90-day deprecation notice
  • Point-in-time history since launch (backtest-clean)
  • Single-user license · cancel anytime

$24,995 / year. Self-serve.

14-day setup window during which we provision your access. Billing begins when the first export ships. Cancel anytime, no refund for current period.

Sample CSV