For Institutions
Predict property risk before loan approval.
Know which loans will cause losses 3–5 years from now—before you approve them.
The Problem
The Reality
In 2025, over 367,000 U.S. properties entered foreclosure (ATTOM Data Solutions). With average lender losses of $35K–$45K per event, this represents:
The Paradox
These were not "reckless" loans. These assets passed every traditional stress test—FICO, DTI, and LTV—at the time of approval.
Why the "safe" loans failed
Static AVMs
Traditional valuations reflect yesterday's sale price, not the 48-month asset trajectory.
DTI blind spots
Standard DTI ignores the "True Cost of Carry" (utility volatility and maintenance), which erodes borrower solvency over time.
Neighborhood decay
Neighborhood economic vitality and "Stress-DOM" (liquidation speed) are not forecasted.
The bottom line
Billions in losses are "baked in" at the moment of approval. They surface 3–5 years later—after the equity cushion has evaporated and mitigation is no longer an option.
The Solution
Quantifying the Risk Traditional Underwriting Misses
The Affordability Gap
Standard DTI only accounts for PITI. AustinScore™ calculates the "True Monthly Carry"—including utility volatility, maintenance reserves, and property tax trajectories. We identify the monthly cash-flow gap that leads directly to Year 3–4 defaults.
An appraisal is a snapshot; AustinScore™ is a forecast. By analyzing hyper-local crime trends, school district performance, and commercial permit activity, we predict the Year 4 Equity Cushion. You'll know today if the collateral will be underwater tomorrow.
Stress-DOM
LTV is irrelevant if you can't exit the asset. We model "Stress-DOM" (Days on Market) to estimate exactly how long your capital remains locked in a forced-sale scenario, factoring in carrying costs and neighborhood absorption rates.
Compare
Moving from price estimation to risk intelligence
| Feature | Standard AVMs / Appraisals | AustinScore™ Intelligence |
|---|---|---|
| Risk Horizon | Static (Current Value) | Dynamic (Predicted Year 4 Value) |
| Solvency Lens | Debt-to-Income (PITI Only) | True Carry (PITI + Utils + Maint) |
| Data Logic | Historical Sales Comps | Forward-Looking Economic Signals |
| Stress Testing | None | -10% & -20% Market Shock Scenarios |
| Primary Output | Estimated Price | Expected Loss ($) & Risk Grade |
| Business Use | Marketing & Pricing Tool | Credit Committee Decision Support |
| Deployment | 3-6 Month IT Integration | Instant Access (No Integration Required) |
Audiences
Built for the teams that need risk intelligence, not just valuations.
See risk before it shows up on your books.
The problem
What you get
Lower losses → steadier earnings → stronger valuation.
$25–$50 per report · Pilot: 50 reports free
Request Bank PilotStop wasting time on deals that won’t close.
The problem
What you get
More approvals → more closings → happier lenders.
$50 per report · First 5 reports free
Start Free TrialKnow how long your capital could be stuck.
The problem
What you get
Better risk pricing → less REO carry → faster capital.
$75 per report · Demo: instant sample
Secure Your CollateralHow it works
Underwriting looks at today. We look at what drives default in Years 3–4.
Banks use PITI. We use true monthly cost.
Borrower is $640 short every month from day one → strong predictor of default in Years 3–4.
Today’s value vs. Year 4 prediction.
Equity erodes before the borrower has built a cushion — collateral may be underwater by Year 4.
How fast could you sell if you had to?
This property takes 211 days vs. 65 market average — higher carrying cost and loss severity if you foreclose.
Pricing & Deployment
Traditional risk platforms require 6+ months of API integration and heavy IT overhead. AustinScore™ is designed for immediate deployment—giving your team bank-grade analytics without the infrastructure bottleneck.
| Customer Type | Price per Report | Pilot Offer | Best For |
|---|---|---|---|
| Banks & Credit Unions | $25 – $50 | 50 Reports FREE | Portfolio Risk & Stress Testing |
| Mortgage Brokers | $50 | 5 Reports FREE | Pre-Submission Screening |
| Private Lenders | $75 | Custom Pilot | High-Risk Collateral Valuation |
Instant Portal
Enter an address and download your 8-page PDF Risk Analysis in under 60 seconds.
Batch Processing
Upload a CSV of your "Watch List" or a month's originations for a bulk portfolio health check.
Enterprise API
(Optional) Direct integration for high-volume lenders (500+ loans/mo).
We don't want you to take our word for it. We offer a Retrospective Diagnostic: Send us 25 of your past defaults. We will run them through AustinScore™ to show you exactly which red flags were present at the time of origination.
Start Your Free PilotROI
Example: Regional Bank (5,000 loans/year)
Current state
With AustinScore
Impact on valuation
$275K earnings × 12× P/E = $3.3M market cap increase
Bottom line: This isn't a cost center—it's a profit driver.
Proof of Concept
Prove the model with your data. Zero cost. Zero risk.
Choose how you want to validate AustinScore™—by analyzing your historical performance or testing on current originations.
See if AustinScore™ would have caught your current defaults at the point of origination.
Best for: Validating predictive accuracy for the Credit Committee.
Test the speed and utility of AustinScore™ on active applications.
Best for: Testing operational fit for the Underwriting Team.
Signal Accuracy
Did our Year 4 predictions hit the mark?
Decision Alpha
Did AustinScore™ identify risks that FICO and LTV missed?
Workflow Friction
Can your team get the answers they need in under 60 seconds?
Cost
FREE for qualified institutions.
Support
AVMs predict today's property value using historical sales data. AustinScore predicts Year 4 value using forward-looking neighborhood signals (crime trends, school ratings, market velocity) and identifies hidden affordability stress that causes defaults.
Request a demo or download the sample report to see AustinScore in action.