Agency MBS data has never been more available and acting on it has never been harder.
Mortgage servicers, secondary marketing desks, and risk teams are sitting on a mountain of GSE data that could be driving sharper decisions every day. The challenge isn’t access. It’s time. The typical path from question to answer — submit a data request, wait for an analyst, review a report — can take days. By then, the market has moved.
RiskSpan built our AI MBS Data Agent to close that gap. Below are four ways mortgage teams are using it today.
1. Secondary Marketing: Walking Into Negotiations With Data
Spec pool pay-ups are negotiated daily, but the benchmarks that justify them — CPR performance by coupon, LTV band, servicer cohort — are rarely at your fingertips.
Secondary marketing teams using the AI MBS Data Agent can ask questions like:
“Show me our CPR performance for 3.5% coupons from high-FICO, low-LTV collateral over the past 24 months — compared to the market average.”
The agent returns the answer in seconds, with auditable SQL and export-ready output. That’s the difference between entering a negotiation informed and entering it exposed.
2. Risk & Underwriting: Surfacing Concentrations Before They Become Problems
Portfolio risk doesn’t announce itself. It builds quietly in LTV bands, geographic clusters, and servicer cohorts — until a delinquency spike makes it visible. By then, options are limited.
Risk and underwriting teams use the agent to run surveillance queries that would have previously required analyst hours:
“Flag servicers in my cohort where 90+ day delinquency rates have increased more than 15% year-over-year — broken out by LTV band and geography.”
The agent handles the data work. The team focuses on the decision. High-LTV surveillance, adverse selection monitoring, Ginnie vs. GSE comparisons — all available on demand, in plain English.
3. Default Servicing: Early Warning Signals, Not Lagging Reports
Default servicing teams need to see trouble coming — not confirm it after it arrives. But most teams are working from monthly data pulls that are already weeks old by the time they reach a desk.
With the AI MBS Data Agent, monitoring becomes continuous and conversational. Teams can query delinquency trends across servicer cohorts, compare their performance against market benchmarks, and catch emerging signals before they escalate — all without submitting a ticket.
This is especially valuable for servicers managing Ginnie portfolios, where early delinquency detection can directly affect buyout timing and loss severity.
4. Executive Reporting: Competitive Benchmarking on Demand
For mortgage executives, competitive intelligence is often a quarterly exercise — because assembling it takes weeks of analyst time. Market share by investor channel. CPR performance vs. peers. Spec pool trends. These are questions that should have instant answers.
The AI MBS Data Agent makes competitive benchmarking a conversation, not a project. Executives can ask:
“What is our market share by investor channel versus the top 10 servicers — and how has it trended over the past 12 months?”
Fannie, Freddie, Ginnie. Any vintage. Any cohort. The answer comes back in seconds, ready for a board deck or an internal review.
How It Works
The AI MBS Data Agent connects to agency MBS data through a natural language interface. Users ask questions in plain English. The agent translates them into SQL, retrieves the data, and returns structured answers with the underlying query visible for audit.
There’s no data team required to get started, no onboarding overhead for individual queries, and no waiting. The output is export-ready.
Try It Free for 30 Days
RiskSpan is offering a 30-day free trial of the AI MBS Data Agent — full access, no credit card required.
