Why Location Belongs in Your Credit Model
Catch risk your bureau data can't see.
Two borrowers with identical credit profiles carry different risk in different ZIP codes. ForeScores capture local employment, housing, and demographic conditions before they show up as delinquencies.
Price loans where they live.
Location-driven differences in profitability can reach 20% of loan value on a given date. Our cash-flow forecasts let you reflect that in pricing instead of averaging it away.
Manage concentration before it becomes loss.
ZIP-level scoring reveals geographic exposure across your portfolio, so you can tighten, diversify, or hedge ahead of regional downturns - not after.
People you can work with.
We hold ourselves to rigorous standards of evidence, safeguard the trust inherent in every client relationship, and aim to elevate public understanding of how regional and national economies actually function.
GB, Fitch Ratings --
"UFA has been a strategic partner to Fitch Ratings for over 20 years. In addition to providing location scores for default, they have consistently demonstrated transparency, and a solutions-oriented approach. Their insights have helped inform our responses to residential mortgage market changes.”
Trusted by lenders, investors, and agencies
