Banking/Credit Unions

LoanDynamics (LDM) is our proprietary behavioral model that helps you manage prepayments, predict defaults and forecast credit losses on mortgage loans. It serves to enhance portfolio management while supporting mortgage servicing rights (MSR) valuation, asset-liability management, pipeline hedging and secondary marketing. It can also serve as a vital input in forecasting loss-reserves, providing a better handle on how changes in interest rates, home prices and various loan characteristics will impact future losses. Available through a variety of third-party vendors, LoanDynamics pairs through various asset liability management (ALM) providers including Bancware, Empyrean, Polypaths, QRM, ZM financial, FactSet, and MIAC.

LoanKinetics (LK) is our residential whole loan analytical application that allows you to evaluate legacy and newly originated residential loans in the context of credit performance, valuation, loan loss analysis/attribution and stress testing. Built on a foundation that includes our LoanDynamics and MacroDynamics products, LoanKinetics seamlessly accesses these models to effectively use our unique and proprietary approaches to capturing risk. Product users also benefit from full documentation on our analytics and models, including regular assessments on model performance, as well as access to our Model Updates and Pipeline articles where we report on model adjustments. LoanKinetics is available directly from AD&Co.

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MARS performance reports are web-based and available on-demand. They serve to evaluate the robustness of our models, comparing our model predictions against actual market results.

HPI Outlook is a quarterly report that explains our forecasts on 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 our HomePriceDynamics model.

Our comprehensive documentation provides a detailed, technical description of the full suite of LoanDynamics Models that can be used for your internal model validation/model risk management and regulatory requirements.