Skip to main content Request a Demo
Collateral Analytics is now part of ICE

CA Credit Risk Model

About this product

The CA Credit Risk Model combines the CA Value AVM, CA’s ZIP Code level home price forecasts, and CA’s mortgage performance models to predict the expected profitability of a mortgage. The main output of the CR Model is the Credit Risk Spread, which is a measure of the risk of default embedded in a residential mortgage. This can be used to help lenders set the interest rate that should be charged for a particular loan and is based upon the loan-to-value ratio of the loan, the borrower’s credit risk score and other loan and property traits.