Mortgage Solutions

Mortgage Fraud Manager Helps Your Organization Identify And Minimize All Types Of Mortgage And Home Equity Line Of Credit (HELOC) Application Fraud.
Mortgage Fraud | Portfolio Home Finance | Portfolio Loss | Alternate Product Portfolio Screening
Mortgage Fraud Manager
Mortgage Lenders continue to grapple with mortgage fraud. Balancing regulatory pressure and consumer demands for expedited processing and decisioning, knowing which applications to flag for fraud risk review is critical.
What It Does

Mortgage Fraud Manager delivers groundbreaking predictive analytics to help determine the real fraud risk associated with each conforming (qualifying) and non-confirming mortgage application. Applications are rank ordered based on the statistical propensity that an application contains material fraud or a misrepresentation that is likely to result in severe delinquency or payment default. We do this by leveraging application, loan, and servicing data in combination with the nation’s largest real estate data repositories, third party online behavioral data, and the proprietary PointPredictive historical origination data consortium to improve fraud detection rates and reduce false positives. Output indicators are then used to prioritize a deeper loan review.

How It Can Help

Mortgage Fraud Manager detects fraud and early payment default risk (EDP) in both conforming (qualifying) mortgages and non-conforming (non-qualifying) loans. Our fraud scientists use machine learning techniques in combination with your data and data from our proprietary fraud consortium. Mortgage Fraud Manager can also help organizations identify and minimize all types of fraud in the home equity loan and line of credit (HELOC) application processes.

Portfolio Home Finance
A predictive analytic model that identifies those residential mortgage loans that have the highest propensity to refinance, take out a home equity loan, or purchase a new home.
What It Does

The Portfolio Home Finance model delivers scores and reason codes to rank order the propensity for a homeowner in a mortgage portfolio to take advantage of a new home finance offer, whether that be a refinance, an HELOC, or a new mortgage for a different property.

How It Can Help

Using application, loan, and servicing data in combination with the nation’s largest real estate data repositories, third party online behavioral data, and the proprietary PointPredictive historical origination data consortium, the Portfolio Home Finance Model accurately and cost-effectively prioritizes those homeowners to receive an offer for a new financing product. The model output is used to drive marketing and offer strategy as well as selecting the right homeowners to be targeted for specific offers to improve conversion rates.

Portfolio Loss - Non-Recaptured Loan Payoff
A specialized application that analyzes mortgage loans in a servicing portfolio that have been paid off where additional loan disposition data is needed.
What It Does

The Portfolio Loss – Non-Recaptured Loan Payoff solution identifies the disposition of a residential mortgage loan and determines whether the loan has been paid off by the homeowner, refinanced, or if the property was sold.

How It Can Help

In addition to providing the status of a new loan, where appropriate, the solution also provides supporting information on the loan including new loan program, rate,
and lender. Partnering with third party data providers, PointPredictive has access to the nation’s largest repository of real estate information, which provides a level of insight previously unavailable to servicers.

This insight drives new product strategy and better investor communications.

Alternate Product Portfolio Screening
A custom-built application that identifies borrower or loan characteristics that could drive new leads for new or revised loan products.
What It Does

The custom application can scan entire portfolios using customized datasets to identify homeowners that qualify for specific loan programs or offers.

How It Can Help

Identifies homeowners that are target leads for specific offers or loan programs. For example, a loan portfolio can be screened to identify permanent resident aliens with valid social security numbers who may be eligible for special products through the Federal Housing Administration (FHA).