Machine Learning for the Life of Auto Loans

Data feeds, analytics, and benchmarks for lenders, servicers, and investors.

WalFactor unifies loan-level performance data — from origination through securitization — with machine learning analytics, dashboards, and benchmarks. Built for auto finance teams, issuers, and investors, it helps monitor portfolios, forecast outcomes, and compare performance across vintages and market conditions. From ABS-EE to N-PORT, WalFactor connects loan books and bond shelves — enabling transparency from front-end lending to secondary markets.

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Data Feeds

Unified feeds from servicing systems and ABS-EE filings, harmonized across issuers, vintages, and lenders.

Automated ingestion

Analytics

Machine-learning-driven insights into performance, delinquency, prepayment, and credit health at loan and pool levels.

Explainable models

Benchmarks & Strategy

Comparative dashboards to benchmark deals, shelves, and portfolios—supporting pricing, risk, and capital strategies.

Scenario design
0M+

Auto Loans Processed

0+

Active ABS Bonds

0+

Shelves Covered

0M+

Cross-Sectional Data Points

Clean Data. Transparent Models. Smarter Auto Finance Decisions.

Discover verified, high-granularity datasets and analytics pipelines purpose-built for the modern auto finance and securitization ecosystem.

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The WalFactor Platform

From origination data to ABS-EE and 15G filings—each layer of WalFactor is engineered for scale, transparency, and analytical depth.

Crafted by engineers from SoFi, JPMorgan Chase, Netflix, and Bank of America.

Data Sources

ABS-EE • Servicing

Standardized ingestion of loan-level and securitization data across lenders and issuers with schema alignment and metadata tracking.

Records normalized45M+

Data Integrity

Validation

Cross-checks against prospectuses, servicer tapes, and deal documents ensure modeling-grade consistency and auditability.

Checks passed92%

Ingestion & Storage

Infra

Streaming pipelines with Redpanda and columnar storage with ClickHouse; PostgreSQL/Timescale used for analytics and monitoring.

Throughput1B+ rows

Modeling & Compliance

ML

Prepayment and default models with explainability; governance aligned to SR 11-7 and consumer credit model standards.

Models in prod2+

Analytics APIs

API

Portfolio, cohort, and performance surfaces accessible via secure versioned endpoints for both loan-level and deal-level queries.

Latency p95< 250 ms

Dashboards

UI

Loan, pool, and deal-level dashboards for lenders and issuers, with interactive filters, benchmark overlays, and scenario design tools.

ViewsLoan • Deal • Pool