vLoans: Whole Loan Intelligence for Residential and Consumer Credit Investors

vLoans brings together servicing and origination data, enabling faster pricing, deeper research, and real-time risk visibility across residential and consumer credit portfolios.

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vLoans Advantage for Residential and Consumer Credit Investors

End-to-End Investment Workflow Support

Support acquisition, underwriting, pricing, and ongoing portfolio surveillance within a single integrated investment platform.

Pre-Trade

Rapid tape ingestion and intelligent data normalization

Loan-level eligibility screening and exclusion filters

Scenario-based pricing and bid sensitivity analysis

Post-Trade

Scale to handle multiple servicers and origination sources

Continuous valuation and risk monitoring

Ongoing performance surveillance

Real-time performance dashboards

Delinquency tracking and payment history analysis

Historical cohort tracking and benchmarking

Cohort comparisons by any combination of loan characteristics

Commentary and full audit trail at loan and portfolio levels

Move Faster with Better Investment Decisions

Confidently price and bid residential loan tapes under tight execution timelines while maintaining
consistent underwriting assumptions and clear concentration risk visibility.

Evaluate large loan tapes in hours, not days

Identify risk concentrations before committing capital

Stress test home price, rate, and default scenarios instantly

Eliminate spreadsheet-driven pricing errors

Standardize underwriting assumptions across teams

Loan-Level Analytics Across Residential and Consumer Portfolios

All outputs are fully traceable from loan-level cash flow and credit assumptions through portfolio- level IRR, yield, and risk metrics.

Deterministic and stochastic (OAS) cash-flow modeling

Full menu valuation and risk analytics

Loan-level prepayment, default and severity modeling

Dynamic pool aggregation with drill-down transparency

Integration with proprietary and third-party predictive models

Deep Coverage Across Residential and Expanded Consumer Strategies

Use one consistent modeling framework across performing, RPL, NPL, bridge, HELOC, and MSR
strategies to ensure comparable risk and return analysis.

Performing mortgage portfolios including Agency, Jumbo, NQM, and DSCR

Re-performing and non-performing loan pools

Fix & Flip / Residential Transition Loans

HELOC and Home Equity Investments

MSR valuation, including servicing cost and earnings components

Personal loans, credit card, auto loans, student loans and more

Built for Scalable Residential and Consumer Credit Portfolios

Scale acquisition volume and portfolio AUM while preserving pricing discipline, risk consistency, and
institutional-grade reporting standards.

Get institutional-grade analytics without operational friction

Model consistency across acquisitions and surveillance

Infrastructure built for portfolio growth

Transparent analytics from loan detail to executive summary

Technology engineered by structured finance and mortgage analytics experts

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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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