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
Risk
Credit Scores
Loss Mit
Inclusion
/ Capacity
Credit quality
Enhancement
Automation
Default Protection
Resiliency
Play
Channel
to pay
Better
Margin
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“.