Tradesight for Auto Lenders

Auto lending is different from other types of lending because it involves a critical factor that other lending types do not — dealerships. To remain competitive, lenders need better visibility into the performance of their dealer network to strengthen relationships with those that have the highest potential.  

Tradesight is designed to help automotive lenders do just that – better understand dealer performance and risk, identify potential new dealers, and benchmark against competitors. The solution combines Equifax credit and firmographic data with dealer and vehicle data from third-party sources, delivering market and transaction-level insights that can reveal business opportunities and inform strategies.

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The dataset includes more than 80 million individual auto loan tradelines and is based on loans/leases booked within the most recent 48 months. It includes:

- Individual loan performance
- Dealership performance and firmographics
- Vehicle registration data
- Black Book® data

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Lenders can evaluate dealer performance individually or in aggregate with tradeline-level insight into specific dealer performance indicators, including details such as APR, term, loan vintage, origination score, delinquency, write-offs, prepayment, and loan to value (LTV).

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Tradesight offers an easy way to benchmark performance against competitors with visibility into a lender’s own booked, approved but not booked, and declined loan/lease data PLUS those loans/leases not presented to their institution*. Lenders can view high-level volume and share trends at 100% market coverage as well as dealer and lender volume by market. 

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Available as a full file or a subset based on the lender’s specific criteria. More than 70 data fields can be easily filtered by lender, dealer, geography, score band, vehicle make, loan vintage, loan or lease specifications, and more. 

Subset of Fields Included:

- Date Opened, Date Closed
- Loan Indicator
- VantageScore 3.0
- Inquiry
- Vehicle Type
- Segment
- Manufacturer
- Lender Name, Lender Type
- Dealer Name, Dealer Address
- APR
- Vehicle Value at Origination
- Vehicle Value Current
- Loan to Value Ratio

原始信息汇总

Tradesight for Auto Lenders 数据集概述

数据集基本信息

• 提供商: Equifax
• 定价: 免费试用
• 试用期: 60天
• 数据刷新频率: 每月
• 地理覆盖范围: 美国所有州

数据集描述

Tradesight专为汽车贷款机构设计，旨在帮助其更好地了解经销商绩效和风险，识别潜在新经销商，并与竞争对手进行基准比较。该解决方案结合了Equifax的信用和企业数据，以及来自第三方来源的经销商和车辆数据，提供市场和交易级别的洞察，以揭示商业机会并指导策略。

数据集包含超过8000万条个人汽车贷款交易记录，基于最近48个月内预订的贷款/租赁数据。内容包括：

• 个人贷款绩效
• 经销商绩效和企业数据
• 车辆注册数据
• Black Book®数据

数据字段示例

• Date Opened, Date Closed
• Loan Indicator
• VantageScore 3.0
• Inquiry
• Vehicle Type
• Segment
• Manufacturer
• Lender Name, Lender Type
• Dealer Name, Dealer Address
• APR
• Vehicle Value at Origination
• Vehicle Value Current
• Loan to Value Ratio

业务需求应用

• 竞争基准测试: 了解市场地位，识别可超越竞争对手的领域。
• 信用风险管理: 完善承保标准和风险评估模型，以最小化损失并最大化盈利能力。
• 客户获取: 识别和评估新的市场机会，以扩大覆盖范围并促进业务增长。
• 经销商关系管理: 加强与高性能经销商的关系，并识别与特定经销商相关的潜在风险。
• 销售和市场营销: 通过优化经销商关系和贷款产品，支持销售和市场营销工作，保持竞争力并赢得市场。

数据字典摘要

• 表名: TRADESIGHT_SAMPLE_VW
• 排序: 按名称升序排列
• 字段示例:
  • AGE_OF_OLDEST_TRADE: Number类型，表示当前存档日期与消费者最早交易开通日期之间的天数。
  • ANNUAL_SALES_RANGE: Varchar类型，表示经销商的年销售额范围。
  • APR: Number类型，计算年百分比率。
  • BALANCE: Number类型，账户总未偿还余额（以整美元计）。
  • BANKRUPTCY_INDICATOR: Varchar类型，破产记录指示器。

使用示例

• 分析按车辆制造商划分的销售额: 查询制造商及其车辆总数，按车辆总数降序排列。

云区域可用性

• AWS: US East (N. Virginia), US East (Ohio), US West (Oregon)
• Azure: East US 2 (Virginia)

联系方式

• 销售: [e-mail]
• 支持: [e-mail]