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
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.
LoanStreet’s Experian Integration
Get a granular and continuous view of why your risk profile is changing — not a delayed and manual history of changes. Automatically delivered credit changes improve forecasting, remove manual intervention, and deliver business insights that are otherwise unavailable:
- Continuous and automated credit score migration tracking across your entire loan book
- Continuous and automated loss forecasting for every loan cohort
- Continuous and automated changes in leading indicators of risk, including global changes in borrower DTI, income, and derogatory accounts
With Experian’s integration into your LoanStreet analytics, you can achieve critical business objectives of reducing risk, increasing returns, and better serving your members and borrowers. With a deeper (and faster) understanding of changes in risk profiles, lenders can proactively change lending programs and pricing — along key attributes of risk — to ensure the risk-return profile that fits your institution.
Clear answers to every lender’s most pressing questions.
Stop waiting years to know if a decision worked
Traditional loss forecasting means waiting 2 to 3 years to see if your pricing was effective. Whole Book Analytics refreshes monthly, so you can validate decisions in months, not years.
No more manual loss forecasting
Every cohort gets an automated, Experian-powered loss forecast (PD × LGD). No more relying on internal teams to project losses from historical trends alone.
See beyond your own walls
Most institutions only see their piece of a borrower’s credit picture. Whole Book Analytics layers in global credit data (DTI, income changes, share of wallet) so you understand borrower risk even where your relationship is thin, like indirect auto.
Know what’s actually driving your returns
Credit migration isn’t always the story. Our analysis has shown loans that migrated down in credit tier can outperform upgrades, because prepayment speed, not loss variation, is often the real driver of return. See it clearly, cohort by cohort.
Certification, tracked and defensible — all automatically.
Maintain CDFI certification with ease
Know your IA and LITP eligibility percentage every month, enabling you to plan what to originate or what participations to buy. All automatically.
Capture eligibility you didn’t know you had
See exactly which loans qualify today, and which are one income-verification away from qualifying, so you can close the gap intentionally instead of guessing.
Get submission-ready compliance files, done for you
Automatically generated, AMIS-ready TLR files and 5-year audit trails.
Join the LoanStreet network today
Joining the platform is free and carries no obligation.
Get in touch with us today to schedule a product demonstration.