Test every loan and the pool
Pool concentration tests and pool optimizer
Try it now in the free tape check.
Buyers cap exposure by state, credit band, product and more. ProvenPool measures concentrations on the pool after kickouts, the way buyers do, and tells you how much balance has to move to fit.
The problem
Concentration limits get checked on the full tape, then fail once kickouts are removed. Fixing one limit breaks another, and the pool gets rebuilt by trial and error.
How it works
- Single-value limits (no state above 15% of balance) and threshold limits (sub-680 FICO no more than 25%).
- Measured on the selling pool, after loan-level kickouts, not on the raw tape.
- Computes the balance to remove to get under each limit, accounting for the smaller pool.
- An optimizer that picks the largest eligible pool satisfying every limit at once (design-partner build).
Related features
- Live today
Buyer eligibility rules engine
Turn the buyer's eligibility schedule into rules and test every loan against them in seconds.
- Building with design partners
Stratification reports
Buyer-ready strats by credit score, rate, balance, term, state and vintage, generated from the same reconciled tape.
- Building with design partners
Forward-flow monthly cuts
Rerun the same buyer program every month and see what changed since the last cut.
Reach out
Want this on your next loan sale?
ProvenPool is onboarding a small group of design partners: originators with a sale in the next two quarters. You get hands-on setup on a real pool, free. Reach out and we'll set up a 30-minute call.