Consumer behaviors at lender level

An article of manufacture including a computer readable medium having instructions stored thereon that, in response to execution by a computing device for account default prediction, cause the computing device to perform operations comprising:

• calculating, by said computing device comprising a processor and a tangible, non-transitory memory, a first lender default risk factor based upon a first consumer default risk factor associated with a first consumer, first automobile loan data associated with said first consumer, a second consumer default risk factor associated with a second consumer, and second automobile loan data associated with said second consumer,
• calculating, by said computing device, a second lender default risk factor based upon a third consumer default risk factor associated with a third consumer, third automobile loan data associated with said third consumer, a fourth consumer default risk factor associated with a fourth consumer, and fourth automobile loan data associated with said fourth consumer,
• ranking, by said computing device, said first lender and said second lender based on said first lender default risk factor and said second lender default risk factor to create a default risk factor ranking;
• determining, by said computing device, first insufficiencies associated with said first lender and said second insufficiencies associated with said second lender;
• creating, by said computing device, an insufficiency ranking based upon said first lender insufficiencies and said second lender insufficiencies;
• determining, by said computing device, that a fifth consumer is associated with at least one said first lender and said second lender;
• creating, by said computing device, a final risk index based upon said default risk factor ranking and said insufficiency ranking;
• and
• determining, by said computing device, said account default prediction based upon said association of said fifth consumer with at least one of said first lender and said second lender and said final risk index.

A system comprising:

• a tangible, non-transitory memory communicating with a processor for account default prediction, said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising:
• calculating, by said processor, a first lender default risk factor based upon a first consumer default risk factor associated with a first consumer, first automobile loan data associated with said first consumer, a second consumer default risk factor associated with a second consumer, and second automobile loan data associated with said second consumer,
• calculating, by said processor, a second lender default risk factor based upon a third consumer default risk factor associated with a third consumer, third automobile loan data associated with said third consumer, a fourth consumer default risk factor associated with a fourth consumer, and fourth automobile loan data associated with said fourth consumer,
• ranking, by said processor, said first lender and said second lender based on said first lender default risk factor and said second lender default risk factor to create a default risk factor ranking;
• determining, by said processor, first insufficiencies associated with said first lender and said second insufficiencies associated with said second lender;
• creating, by said processor, an insufficiency ranking based upon said first lender insufficiencies and said second lender insufficiencies;
• determining, by said processor, that a fifth consumer is associated with at least one said first lender and said second lender;
• creating, by said processor, a final risk index based upon said default risk factor ranking and said insufficiency ranking;
• and
• determining, by said processor, said account default prediction based upon said association of said fifth consumer with at least one of said first lender and said second lender and said final risk index.