CLIMA prices climate exposure into every loan in your portfolio. It surfaces the agency LLPA and aggregator-overlay drag your tape carries today, sorts each loan hold-versus-sell, and matches sale candidates to the buyer most likely to take them.
Independent validation · 4,950-loan community-bank portfolio
DU and LPA report whether a loan clears the agency box. They don't quantify the climate exposure, agency LLPA drag, or aggregator-overlay conditions already sitting in the tape you hold today. Below are the three figures CLIMA surfaces on a representative community-bank portfolio.
Spread between the best and worst climate-pricing decile within the same portfolio. Current models do not sort on it; the secondary market does.
Price-point adjustments Fannie Mae and Freddie Mac would apply if the tape were sold as-is. CLIMA itemizes each adjustment and flags which are remediable.
Conditions added by PennyMac, Wells Fargo, Chase, AmeriHome, and other correspondent buyers above the agency baseline. CLIMA evaluates them per loan.
Each property carries a 0–100 reading on every layer plus a calibrated composite. The composite is the input to pricing, hold-versus-sell, and buyer routing. Every component traces to a federal data source documented in the cert manifest.
FEMA NFHL zones (A, AE, V, VE…), NFIP policy density, residual-market load.
USFS Wildfire Hazard Potential, fuel-model classification, WUI proximity.
FEMA NRI hurricane & coastal-flood layers, NOAA storm history, residual-market exposure.
NOAA daily-max climatology, heatwave frequency, projected warming through 2050.
Proximity to 171k+ EPA-tracked PFAS sites, calibrated XGBoost contamination probability, CERCLA tier flag.
Lender liability for chemical contamination is now a CERCLA secondary-liability concern, and EPA's 2024 PFAS hazardous-substance designation puts mortgaged property within the disclosure perimeter. Proximity to a confirmed PFAS site can trigger property-value discounts, insurance refusals, and material remediation costs — all of which feed default risk. CLIMA flags it before the loan closes.
Every loan passes through the same five stations a secondary-marketing desk runs, with climate, LLPA, and aggregator-overlay logic encoded at each stage. Full pass on a 4,950-loan portfolio: 1.81 seconds.
Continuous monitoring of climate drift, hazard upgrades, PFAS detections, and concentration breaches across the held portfolio. Alerts are deduplicated and ranked by severity.
An AUS unlock simulator evaluates Day-1 Certainty, Value Acceptance, ACE+ PDR, and LCA ≤ 2.5 paths. A hold-versus-sell engine compares retention NPV to net sale proceeds using climate-adjusted MSR multiples.
A mitigation engine simulates flood coverage, PFAS remediation, paydown to LTV band, rate-and-term refinance, and FICO buy-down scenarios. Bank-funded cost and borrower-funded cost are reported separately.
The buyer router enforces agency eligibility gates, then ranks correspondent buyers by expected bid net of climate haircut and overlay conditions. Confidence is recorded on every rule.
A signed certificate (v3, SHA-256) and a ten-file examiner bundle are produced on every run. Each decision is replayable, every rule carries provenance, and every figure has a documented source.
The buyer-rule engine encodes 35 rules with citations: 11 classified high-confidence (cited to seller-guide or correspondent term-sheet language), 17 medium (cross-referenced from public market reporting), 7 low (operator-attributed estimates). The full gradient and citation list ship with every certificate and examiner bundle.
Three artifacts are produced for every portfolio: a per-loan record, a portfolio dashboard, and a signed certificate with an examiner-ready evidence bundle. When a federal source is unavailable for a property, the affected component is reported as null and the composite is recomputed accordingly. No values are synthesized.
A Northeast community bank residential portfolio of 4,950 loans. The figures below are the control layer's direct output against this tape, produced through the same code path applied to client engagements.
Figures are the control layer's direct output on the 4,950-loan validation portfolio, generated through the same code path used for client engagements. Buyer rules are sourced from config/buyer_rules.yaml. CLIMA does not pre-compute outputs and does not synthesize values for missing federal data.
No system integration required. Four steps from loan tape to signed certificate.
Standard CSV: loan ID, property address, UPB, rate, FICO, LTV, occupancy, and purpose. Geocoding and county resolution are performed on ingest. AES-256 encryption in transit and at rest; data is purged on request.
The five stations — surveillance, decision, tailoring, routing, reconciliation — run against live federal data and the encoded buyer rules in config/buyer_rules.yaml. Reference runtime on a 4,950-loan portfolio: 1.81 seconds.
A working session with credit, secondary marketing, and compliance. We walk each flagged loan in the portal, agree on the action list, and assign owners. The review is conducted in-product against live data.
Certificate v3 is SHA-256 signed with a public verification URL. The accompanying evidence bundle contains ten files covering surveillance, decisions, mitigation actions, certificates, audit logs, buyer-rule provenance, LLPA matrix application, aggregator overlays, and concentration alerts.
Every score traces to a verified government source. No proprietary blends, no opaque third-party indexes.
Four roles inside a community or regional bank. No climate team or data-science department required.
A single view of buyer fit and expected net bid per loan. Replaces side-by-side spreadsheets of correspondent rate sheets. Recap mode prioritizes the highest-climate exposure.
A unified surveillance ledger covering climate drift, LLPA concentration, and held-portfolio exposure. Alerts are deduplicated, severity-ranked, and assigned to remediation owners.
Loan-level hold-versus-sell analysis, available continuously rather than quarter-end. Retention NPV, climate-adjusted MSR multiple, and recommended tailoring actions are presented per loan.
Signed certificate and ten-file evidence bundle covering SR 11-7 model documentation, CECL forward-looking adjustment evidence, Fair Lending checks, and per-rule confidence attribution.
Direct answers to the questions raised by risk, secondary-marketing, and compliance teams in initial calls.
Pilot engagements are complimentary and include a signed certificate and examiner-ready evidence bundle for your portfolio. Initial review takes approximately forty-five minutes.
Or email us directly at james@clima.solutions