PERFORMANCE ANALYTICS
See exactly what’s driving performance – and why.
LoanStreet’s Performance Analytics cuts through the noise. Drill into any loan program, underwriting criterion, or risk attribute to understand how your portfolio is performing and why.
RETURNS & CASHFLOWS
Stop guessing at returns. Start knowing them.
Comparing returns across loan products isn’t straightforward — cashflow timing matters and loans lack public market pricing or a single maturity date. IRR and Bond Equivalent Yield (BEY) projections solve this, but calculating them accurately across a range of scenarios for thousands, if not tens of thousands, of loans is brutally complex.
LoanStreet does this automatically. We track every historical cashflow, then project all future cashflows across any range of prepayment and loss scenarios — giving you bounded IRR and BEY at any point in a cohort’s lifecycle. Because projections are built on fully loaded cashflows — including acquisition costs, servicing fees, and any other expenses — you can make true apples-to-apples comparisons across fundamentally different asset classes, with visualizations that are actually easy to use.
INVESTIGATIONS
Your entire portfolio. Any angle. One platform.
Zoom out to compare across asset classes and loan sources — or zoom in on a single cohort. Investigate the risk attributes that drive performance, not just the outcomes. Store your original assumptions, benchmark automatically, and export board- and regulator-ready reports in one click.
RISK-BASED PRICING
Know when your pricing is off – before it costs you.
Mispriced tiers don’t announce themselves. By the time a problem shows up in charge-offs, you’ve already originated significant volume at the wrong price. LoanStreet delivers real-time, ongoing evaluation of every risk tier so you can catch underperformance early, isolate the cause, and recalibrate — before it matters.
ACQUISITION COSTS
Pay the right price for every loan – and hold partners accountable.
Acquisition costs that work for one institution can destroy returns for another. Charge-off risk, prepayment speeds, and borrower concentration all vary by geography and lender. LoanStreet models your specific institution’s data — not national averages — so you know exactly what you can afford to pay. And when fintechs promise return thresholds, you’ll have the data to hold them to it.
CONCENTRATION
Manage concentration risk – without flying blind.
Forecasting how much capital will be available for lending is incredibly difficult when production volumes and prepayment rates are constantly shifting — yet that’s exactly what managing concentration ratios and limits demands. LoanStreet’s analytics mitigates this complexity by tracking realized prepayment speeds over any cohort and across all products for your specific institution, not national averages.
BENCHMARK
Benchmark what you’re actually earning – not just what you expected.
Tracking original return expectations, tying them to historical risk-free rates, and measuring actual performance against those benchmarks is tedious, complex work. Most institutions either don’t do it, or do it too late.
LoanStreet automates it. Every cohort’s historical performance is tracked and projected forward — and because you can amortize acquisition premiums, servicing costs, and any other expenses you define over the life of the loans, you’re benchmarking true income aligned with your accounting systems, not just gross cash flows. Period by period, you see what each program is actually earning relative to what you underwrote — so you can course-correct with confidence.
EXPERIAN
Deeper risk intelligence – without the manual lift.
Most institutions update borrower credit data quarterly or annually — a labor-intensive process that still leaves gaps between refreshes. By the time you’ve pulled, reconciled, and analyzed updated scores, the picture has already shifted again.
With LoanStreet’s Experian integration, credit score migration is tracked automatically and continuously across your cohorts, so you can see how credit quality is evolving without the manual cycle.
And you get far more than a refreshed score. Within LoanStreet, Experian’s data surfaces the underlying risk drivers at the cohort level — probability of default, debt-to-income trends, concentration shifts — giving you a granular view of why a cohort’s risk profile is changing, not just that it changed. It’s the kind of information depth most institutions simply don’t have access to.
That deep intelligence feeds directly into loss forecasting. Build your own scenarios, or start from Experian-enhanced baselines that reflect current cohort conditions — not stale assumptions. Either way, you get faster, more defensible forecasts without the manual modeling.
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