Data and Analytics
SmartZip was born as an analytics company: we have attributes on more than a million homeowners in the United States. That’s virtually every single family home in the nation. We build and maintain extensive demographic and economic data on these homeowners, including such key factors as credit worthiness, equity position, DTI ratio, occupational status, and other important attributes.
SmartZip analysts have very deep expertise in analyzing many kinds of categorical and quantitative data, and in unlocking the meaning in that data. Because the model that works in California may not be the right model for Connecticut, SmartZip models are regionally specific and rigorously backtested against your current client profiles to ensure accuracy.
Our lending analytics incorporate key factors such as:
- Variable testing and predictive modeling, which deliver rankings on net worth, home values, LTV’s, credit ratings, loan information, demographic information, and more
- Convergence modeling, based on “most likely” and “most qualified”
- Tailored analysis for your company that matches the highest quality prospects to specific loan products
Moving from raw datathrough multiple typesof analysisand ultimately to interpretation, SmartZip delivers the accurate, actionable information you need to put your loan products in front of the right homeowners.
Using this exclusive data, expert analysis, and a proprietary mathematical model, SmartZip can predict with a high level of accuracy which homeowners are best suited for particular loan products.