Mortgage Portfolio Analysis

Benefits

Vector Portfolios is an advanced analytical solution that enables
lenders and investors to quickly determine which loans in a portfolio
meet their risk threshold, which surpass it, and which need more
follow-up—with a full loan-level portfolio assessment that is
immediate and costs less than manual processes.

Improve efficiency and reduce costs

With external due diligence fees rising, why not focus your due
diligence efforts on a small, scientifically selected sample? Vector
Portfolios analyzes critical loan data sourced from public records
in minutes.

• 
  Deploy your own collateral risk rules
• Manage the use of valuation tools with unprecedented flexibility
• Reduce portfolio security risk while understanding behavioral trends

A Revolution in Loan Review

Automatically score a portfolio’s loans for collateral risks like overvaluation, appraisal fraud, and property flipping, and employ state-of- the-art automated valuation models (AVMs) to instantly determine each property’s current market value. Apply a rules-based decision engine that implements your rules for routing loans to a BPO or other collateral assessment and separates loans into risk tiers for action planning.

• Immediately detect collateral over-valuation and fraud
• Quickly understand the risk profiles of pools and portfolios
• Gain real competitive advantage through faster, more precise portfolio analysis

Data-Driven Decisions

Run portfolios of 50,000 or more loans simultaneously through our automated, rules-based diligence processes.

• Validate pricing and composition decisions with public record data
• Assess loans using Loan IQ, the state-of-the-art, loan-level collateral risk-assessment tool
• Cascade AVMs to determine the accuracy of the initial valuation in the current marketplace
• Generate management reports that detail performance metrics and audit trails

Seamless Process

Instantly upload your loan files through the easy-to-use Vector platform. Reduce service requests and eliminate long turn-times.

• Upload your summary loan data in .csv or .xls format
• Receive the AVM, Loan IQ, and Property Record Details in a single report with secure hyperlinks to the full AVM and LoanIQ reports.