Mortgage Insurance

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USE THE TOOLS MORTGAGE INSURANCE COMPANIES USE

Similar to servicing and credit risk transfer, the analysis of mortgage insurance contracts requires a careful analysis of prepayments, defaults and loss severities. It also requires an understanding of mortgage insurance (MI) contracts and how house price appreciation can lead to early contract termination even when the underlying loan might not be refinanced.

Our tools provide traditional approaches, as well as robust alternatives to evaluating risk, particularly when you need to expect the unexpected.
 

Our products can help you:

  • Evaluate inherent risk in a loan, relative to other loans

  • Determine the adequacy of the mortgage insurance premium charged, relative to loss exposure

  • Analyze changes in key metrics which may impact mortgage insurance ratings

Tools you can use

LoanKinetics logoLoanKinetics (LK) is our multi-functional whole-loan application, that allows users to evaluate legacy and newly originated residential loans in the context of credit performance, valuation, loan loss analysis/attribution and stress testing. Whether the borrower pays an upfront premium or an ongoing premium, LoanKinetics can project the insurer’s exposure to loss. Used my multiple mortgage insurance companies, it can be an important, independent resource for risk management even if a mortgage insurance provider has significant internal modeling resources.

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RiskProfiler logoRiskProfiler (RP) is our comprehensive valuation solution that integrates our LoanDynamics Model and OAS Subroutine into a single, flexible platform. It offers built-in reporting and parallel and distributed (cluster) computing, as well as a database in which to store positions and past performance.

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Mortgage Analysis & Reporting System (MARS)

MARS is our web-based reporting system that generates on-demand performance reports to help evaluate the robustness of our models by comparing our predictions against actual market results.

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HPI Outlook

HPI Outlook is a quarterly report that explains our forecasts for the 25-MSA Composite Index and five geographical indices: US National Index, Los Angeles, Miami, New York and Phoenix Metropolitan Statistical Areas. These forecasts are generated by AD&Co’s third-generation home price index model (HPI3).

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