Mortgage Customer Retention and Recapture

Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers’ current financial capacity, and identify and segment loans that are more likely to prepay.

An analysis that examined performing mortgages across a one year time period showed that an Income360 measure:

  • Identified a segment of loans that was up to 7 times more likely to prepay
  • Provided enhanced differentiation even when holding constant Current Combined Loan-to-Value (CCLTV) or credit score groups
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Financial Cohorts brochure
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Segments customers based on their financial profiles, behaviors, and characteristics, as well as demographi...

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Data-driven Marketing from Equifax
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