PROSPECT DATA

MortgageTRAX™ has co-mingled every National source of Known Homeowners to create a database of 58MM+ householded homeowners. At that point we add important attributes such as demographic data, financial information and psychographic data. With all this data we then create proprietary Subprime and Prime Response models that can be used for the following:

• Conforming Loans
• HELOC Segments
• Subprime Loans
• Alt-A Products

SUBPRIME DATA

Our mortgage data contains the most powerful prospecting attributes for Subprime targeting:

Market Value
MortgageTRAX has made the same Market Value Logic used in “Back End” underwriting to “Front End” Marketing. Our Market Value is based on several models including the Sales Price Index Methodology which is based upon historical sales to a property over time, the models also use “neighborhood” comparables to build the strongest Market Value Indicator available for Marketing.

Loan To Value
Using Market Value MortgageTRAX has integrated “Amount Owed” calculations to create a Loan To Value field available to marketers. This field enables the Marketer to eliminate LTV categories that do not fit with their products. This is a proprietary field that has been used by the largest lenders in the industry.

Suprime Propensity Score
This is the same type of model that is used by the largest Lenders in the industry to predict Response and effectively predict Credit Risk Scores in a Non-FCRA Environment. This proprietary score has been created based on thousands of Responders/Applicants/Funded Loans across a variety of sample Lenders. This score takes your targeting to the next level with a multivariate approach to 300+ attributes (all attributes relationships are analyzed).

Length of Residence
It is important to understand how long a prospect has been in their home prior to making a new financing offer. This attribute is available in one year increments as a valuable marketing tool.

Subprime Lender Name Table
MortgageTRAX Proprietary Subprime Lender Name table that enables the marketer to target the “Precise” customers that fit the business. These Lender Names can be included in the “Mailpiece” customization.

In addition to the above fields we also maintain additional demographic data such as Age, Income, Presence of Children, Phones and all levels of geography.

PRIME DATA

Market Value
MortgageTRAX has made the same Market Value Logic used in “Back End” underwriting to “Front End” Marketing. Our Market Value is based on several models including the Sales Price Index Methodology which is based upon historical sales to a property over time, the models also use “neighborhood” comparables to build the strongest Market Value Indicator available for Marketing.

Loan To Value
Using Market Value MortgageTRAX has integrated “Amount Owed” calculations to create a Loan To Value field available to marketers. This field enables the Marketer to eliminate LTV categories that do not fit with their products. This is a proprietary field that has been used by the largest lenders in the industry.

Prime Propensity Score
This is the same type of model that is used by the largest Lenders in the industry to predict Response and effectively predict Credit Risk Scores in a Non-FCRA Environment. This proprietary score has been created based on thousands of Responders/Applicants/Funded Loans across a variety of sample Lenders. This score takes your targeting to the next level with a multivariate approach to 300+ attributes (all attributes relationships are analyzed).

Length of Residence
It is important to understand how long a prospect has been in their home prior to making a new financing offer. This attribute is available in one year increments as a valuable marketing tool.

Prime Lender Name Table
MortgageTRAX Proprietary Prime Lender Name table that enables the marketer to target the “Precise” customers that fit the business. These Lender Names can be included in the “Mailpiece” customization.