Data & Analytics
Data alone without interpretation is just data. Berkshire not only has terabytes of monthly loan performance data, we also have the tools and consultants for interpretation.
Two of our primary tools are R-Score and D-Score, which provide a loan level assessment of likelihood of prepayment and likelihood of default. We sort through 10^27 combinations of loan specific, borrower, property, product, servicer, originator, home value, employment, and other economic and risk variables to give you the most powerful predictive scores available in the industry. And we help you to effectively implement the scores into your loan retention and loss mitigation strategies and procedures.
The predictive measures we derive from our data provide powerful assumption variables for use in our predictive modeling and valuation services.