Mortgage Risk & Fairness Score

Powerful, predictive & prescriptive data-driven “intelligence” tool to proactive manage crisis-cycle credit risk/blind spots, latency, financial inclusion, pricing capacity, regulation, and servicing.


Mortgage Risk & Fairness Score

Predictive, predictive & prescriptive, data-driven “intelligence” tool to proactively manage crisis-cycle credit risk/blind spots, latency, financial inclusion, pricing capacity, regulation, and servicing. 


How Lenders, Servicers, Investors, & MI's Use It

Hidden / Latent
Risk
Overstated
Credit Scores
Understated
Credit Scores
Confidence in
Credit quality
Increase Volume
/ Capacity
Buy / Sell
Better
Swim Lane
Automation
Proactive
Monitoring
Forbearance
EPD Protection
Plug and
Play
Omni
Channel
Stress Tests /
Loss Estimates


Why?

Not all 700+ FICOs behave well, and not all 600s are risky, even in the best of times.  Overstated and understated credit scores will become common amidst the socio-economic volatility. So, it’s important lenders understand borrowers better, holistically. Then, use that deep insight to originate, underwrite, fulfill, buy, sell, and monitor more inclusively & efficiently. “The Score” is plug-n-play and enables quick deployment of advanced risk and behavioral analytics – propensity, segmentation, ability and “willingness” to pay – that are validated (top 10 bank) & vetted (CFPB, OCC, Fed).

Elevated socio-economic risk & fulfilling a “social mandate” require data-driven “intelligence” to understand borrowers holistically.

FICO equivalent score driven by validated predictive and behavioral analytics.

Easy to understand red, yellow, and green-light output highlighting FICO, Aliya’s score, and the delta

Actionable insight into what attributes are most influencing the score to drill down further

Model proven & validated at a top 10 US Bank & vetted with the CFPB, OCC, and Fed

Elevated socio-economic risk & fulfilling a “social mandate” require data-driven “intelligence” to understand borrowers holistically. 

FICO equivalent score driven by validated predictive and behavioral analytics.

Easy to understand red, yellow, and green-light output highlighting FICO, Aliya’s score, and the delta

Actionable insight into what attributes are most influencing the score to drill down further

Model proven & validated at a top 10 US Bank & vetted with the CFPB, OCC, and Fed

The Score doesn’t require change to existing tech or processes.  But, used up-front, and as an additional layer of insight for underwriting, secondary, servicing and regulatory, it will increase volume, inclusion, confidence, margins, efficiency, and capacity, and decrease risk.

Read more about how we view customer acquisition,  credit risk assessment, underwriting and financial inclusion, in our new white paper “Re-engineering Consumer Lending Using Data Driven Intelligence – Part 1“. 

Call us today for a complimentary strategy consultation:

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