Mortgage Risk & Fairness Score

Predictive, Prescriptive, Data-Driven Assessment of Borrower Performance & Resiliency 

Proactively manage crisis-cycle credit risk/blind spots, latency, loss mit, financial inclusion, capacity, pricing, trading, regulation, and servicing.


Mortgage Risk & Fairness Score

Predictive & Prescriptive, Data-Driven Assessment of Future Credit Risk & Resiliency 

Proactively manage crisis-cycle credit risk/blind spots, latency, financial inclusion, pricing, capacity, regulation, and servicing.


Benefits to Lenders, Investors, MI's and Servicers

Hidden / Latent
Risk
Over / Understated
Credit Scores
Intelligent
Loss Mit
Financial
Inclusion
Increase Volume
/ Capacity
Confidence in
Credit quality
Loan
Enhancement
Swim Lane
Automation
Forbearance, DQ
Default Protection
Borrower
Resiliency
Plug and
Play
Omni
Channel
Willingness
to pay
Price / Trade
Better
Increased
Margin
Stress Tests /
Loss Estimates


Why?

MRS delivers powerful, predictive & prescriptive, incremental intelligence that makes crisis-cycle mortgage banking easier, fairer, and safer.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 immediate deployment of advanced risk and behavioral analytics – propensity, segmentation, ability, resiliency and “willingness to pay” – that are validated (top 10 bank) & vetted (CFPB, OCC, Fed).

“Real world” borrower performance risk & resiliency assessment score

Additional layer of insight for origination, underwriting, cap markets, servicing, regulatory

Driven by predictive credit and behavioral algorithms (eg resiliency, ability and willingness to pay)

Easy to deploy red, yellow, and green-light output highlighting FICO, Aliya’s score, 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 origination, 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:

Request More Information

© All rights reserved, AFT Analytics, Inc 2020
521 Broadway, 4th Floor, New York, NY 10012
Learn More