Solution

Mortgage Portfolio Optimization

Manage mortgage portfolio risk and meet capital adequacy requirements

Locate and mitigate risk

Given the challenging nature of today's economy and the complexities of the housing  market, it's important for you to identify cross-sell/retention opportunities within your portfolio and monitor the effectiveness of current risk strategies. Equifax offers cost-effective portfolio services that prove to be a great fit for lenders of any size.

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Account Management Triggers

The pressure to aggressively grow mortgage portfolios, combined with a rapidly changing economy, has made portfolio management considerably more complex. Account Management Triggers keep your focus on accounts with the highest risk by leveraging credit indicators and triggers to help identify borrowers with a near-term risk of default or late payment.   This intuitive screening tool helps monitor credit and identify trouble spots before they impact portfolio performance.  

  • Improve overall portfolio performance
  • Mitigate risk exposure
  • Gauge portfolio performance and risk potential from a perspective customized to your specific risk thresholds. 
  • Make more informed business decisions with comprehensive, pre-aggregated sets of mortgage credit attributes that can be used for internal analytics and data warehousing

Customer Portfolio Review

Customer Portfolio Review℠ delivers the power to proactively screen the accounts in your portfolio against customized criteria to quickly provide deeper customer behavior insights and support informed decisioning.  With actionable information and easy-to-interpret reason codes, Customer Portfolio Review optimizes portfolio management and keeps portfolio profitability in focus by helping your business:

  • Segment accounts
  • Determine creditworthiness
  • Mitigate account fraud
  • Strengthen compliance
  • Reduce risk exposure 
 

AVM Insight

Manage your collateral risk with a market-leading AVM.

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Equifax House Price Index

Access granular house price data, right at your fingertips.

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Resident and Tenant Screening

Need resident and tenant screening information?  Equifax provides the Multi-Family Housing industry with a single-source, web-based property management program to effectively and efficiently pre-screen prospective residents/tenants. Verify consumer identity, credit worthiness, criminal history, rental history, employment background and more.

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