Trustee, Servicer, Dealer, Intex, CoreLogic, Fannie Mae, Freddie Mac, and Ginnie Mae data integration
Residential Credit Solutions
Vichara provides specialized analytics platforms that help mortgage investors analyze collateral performance, model structured cashflows, and monitor residential credit portfolios with greater clarity across both securitized products and whole loans.
vRMBS
Advanced analytics for Agency and Non-Agency RMBS, combining loan-level cash-flow modeling, deal structure analysis, and continuous collateral surveillance.
Learn MorevLoans
Comprehensive whole-loan analytics for pricing, valuation, scenario analysis, and portfolio monitoring across residential loan investment strategies.
Learn MoreResidential Credit Services
Residential Credit Services
From loan tape to portfolio surveillance purpose-built services for RMBS investors, whole loan
buyers, and mortgage credit funds.
Unified residential credit data
infrastructure
We connect trustee, servicer, dealer, Intex,
CoreLogic, and agency feeds from Fannie Mae,
Freddie Mac, and Ginnie Mae into a single
reconciled pipeline one reliable source of record
across your entire RMBS and whole loan universe.
Loan tape cracking, stratification, and
data QA
We crack, clean, stratify, and QA loan tapes
across originators and servicers turning raw
data deliveries into analytics-ready inputs your
models can actually trust. No manual
reconciliation, no stale tape artifacts.
RMBS cashflow models and prepayment
analytics
We build and maintain RMBS cashflow models,
CPR/CDR prepayment frameworks, and loan-level
performance analytics calibrated to your portfolio
and strategy, models grounded in how the
collateral behaves.
Whole loan pricing and bond valuation
From whole loan bid-ask modeling to tranche-level
RMBS valuation and collateral analytics, we
support the pricing infrastructure your investment
and trading teams depend on, consistently, across
market cycles.
Stress testing, scenario analysis, and
ABF management
We build stress testing frameworks, rate and credit
scenario models, and ABF management workflows
that let your risk team present portfolio positions
with confidence and your board understand what
they mean in a downturn.
Residential credit analysts, quants, and
engineers
Our analysts and quants understand prepayment
behavior, deal structures, and GSE nuances, not
just code. That domain expertise enables faster
onboarding, zero errors, and deliverables aligned
with how mortgage credit teams’ work.
Services
Trustee, Servicer, Dealer, Intex, CoreLogic, Fannie Mae, Freddie Mac, and Ginnie Mae data integration
Mortgage data standardization, loan tape cracking, stratification, and data QA
RMBS cashflow models, prepayment models, and loan performance analytics
Whole loan pricing, bond valuation, and collateral analytics
Risk analytics, stress testing, scenario analysis, and ABF management
Residential credit analysts, quant support, workflow automation, and engineering services
Looking for a unified view across RMBS and residential whole loans?
Why Leading Mortgage Investors Choose Vichara
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For over 25 years, Vichara has supported global investment firms, asset managers, and financial institutions with advanced technology and analytics platforms that solve real-world capital markets problems.
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