Mortgage Risk & Fairness Score
Predictive, data-driven “intelligence” tool with insights to proactively manage COVID-19, credit quality/blind spots, latency, financial inclusion, pricing and capacity.
Mortgage Risk & Fairness Score
Predictive, data-driven “intelligence” tool to proactively manage the risks of COVID-19, credit quality/blind spots, latency, financial inclusion and capacity.
How Lenders, Servicers, Investors, & MI's Use It
Risk
Credit Scores
Credit Scores
Credit quality
/ Capacity
Better
Automation
Monitoring
EPD Protection
Play
Channel
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“.