Lending Attributes

Use this endpoint if you need a comprehensive breakdown of all of your users income sources, deep credit risk analysis and all necessary data points for underwriting your users. /GetLendingAttributes

The Lending Attributes package is designed specifically for underwriting a user based upon their transactional behaviour and is also an advanced use-case. It provides the necessary Attributes for both manual and automated underwriting methodologies. It covers most aspects of Income, Overall Risk Analysis, Predictive Risk and Cash-Flow Analysis, Specific Risk Analysis and Liability Analysis. This is our most comprehensive package offering before moving to the full library - offering a total of 750 data points on each end-user. Please find a breakdown of the Attributes contained within this use-case below.

Income Analysis

  • Total Income
    - Average monthly (complex)
    - Total detected
    - Sum per calendar month
    - Count per calendar month

  • Employer Income (Overall)
    - Employer Name
    - Average monthly (complex)
    - Average amount
    - Estimated Annual Net
    - Frequency
    - Trend
    - Sum per calendar month
    - Count per calendar month

  • Employer Income (Primary)
    - Employer Name
    - Average monthly (complex)
    - Average amount
    - Estimated Annual Net
    - Frequency
    - Trend
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Employer Income (Secondary)
    - Employer Name
    - Average monthly (complex)
    - Average amount
    - Estimated Annual Net
    - Frequency
    - Trend
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Employer Income (Other)
    - Employer Name
    - Average monthly (complex)
    - Average amount
    - Estimated Annual Net
    - Frequency
    - Trend
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Non-Employer Income
    - Average monthly (complex)
    - Total detected
    - Sum per calendar month
    - Count per calendar month

  • Government Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Employment Insurance Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Workplace Safety Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Disability Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Social Assistance Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Child Support Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Pension Income
    - Average monthly (complex)
    - Average amount
    - Total detected
    - Frequency
    - Last two deposit dates
    - Sum per calendar month
    - Count per calendar month

  • Insurance Income
    - Average monthly (complex)
    - Total detected
    - Sum per calendar month
    - Count per calendar month
    - Recurring Deposits (All)
    - Average monthly (complex)
    - Sum per calendar month

Overall Risk Analysis

  • Account Analysis
    - Purchasing trend
    - Deposit trend
    - Overall activity trend
    - Count of active days
    - Active days trend
    - Average monthly free cash flow
    - Account age in days
    - Average monthly recurring payments
    - Average monthly recurring deposits

  • Overall Balance Analysis
    - Balance trend
    - Maximum balance
    - Minimum balance
    - Current balance
    - Balance as of 90 days ago
    - Count of days with a negative balance (in the last 90 days)

  • Specific Balance Analysis
    - Average closing balance day of any income
    - Average closing balance day after any income
    - Average closing balance day of employer income
    - Average closing balance day after employer income
    - Average closing balance day of government income
    - Average closing balance day after government income

  • Predictive Risk and Cash-Flow Analysis
    - Expected Deposits
    - Predicted deposits next calendar month
    - Predicted deposits in two calendar months
    - Predicted deposits in three calendar months
    - Expected Purchases
    - Predicted purchases next calendar month
    - Predicted purchases in two calendar months
    - Predicted purchases in three calendar months
    - Expected Income Deposits
    - Predicted income deposits next calendar month
    - Predicted income deposits in two calendar months
    - Predicted income deposits in three calendar months
    - Expected Employment Income Deposits
    - Predicted employer income deposits next calendar month
    - Predicted employer income deposits in two calendar months
    - Predicted employer income deposits in three calendar months
    - Expected Loan Payments
    - Predicted loan payments next calendar moth
    - Predicted loan payments in two calendar months
    - Predicted loan payments in three calendar months
    - Expected Cash-Flow
    - Predicted cash-flow next calendar moth
    - Predicted cash-flow in two calendar months
    - Predicted cash-flow in three calendar months

Specific Risk Analysis

  • NSF Fees
    - Average monthly count
    - Count of total detected
    - Count last 30 days
    - Count last 60 days
    - Count last 90 days
    - Count last 6 months
    - Count on the day of employer income
    - Count on the day after employer income
    - Count on the day of government income
    - Count on the day after government income

  • Stop Payment Fees and Reversals
    - Count of fees last 30 days
    - Count of fees last 60 days
    - Count of fees last 90 days
    - Count of reversals last 30 days
    - Count of reversals last 60 days
    - Count of reversals last 90 days

  • Detection Attributes
    - Has employment income in last 7 days
    - Has employment income in last 14 days
    - Has employment income in last 30 days
    - Has government income in last 7 days
    - Has government income in last 14 days
    - Has government income in last 30 days
    - Is employment loss detected?
    - Has overdraft?

  • Committed Transfers
    - Average monthly recurring transfers out (complex)
    - Average monthly recurring transfers in (complex)

  • Loan Deposits
    - Average monthly (complex)
    - Total detected
    - Sum last 30 days
    - Sum last 60 days
    - Sum last 90 days

Liability Analysis

  • Overall Loan Payments
    - Average monthly (complex)
    - Total detected
    - Sum per calendar month
    - Count per calendar month

  • Micro-Loan Payments
    - Micro-Lender name
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Count of distinct micro-lenders detected
    - Sum per calendar month
    - Count per calendar month

  • Mortgage Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month

  • Auto Loan Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month

  • Student Loan Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month

  • Other Loan Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month

  • Telecom Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month

  • Utility Payments
    - Average monthly (complex)
    - Average amount
    - Frequency
    - Sum per calendar month
    - Count per calendar month