Extracting and leveraging data for enlightened decisions

Lumos’ products reflect our mission to transform complex, often siloed data into actionable insights. Backed by expert financial literacy, we provide your institution with standardized, automated metrics, powerful decisioning models, and efficient processes…  with rich, curated data at the heart of it all.

Clear and Customizable Data Insights

Make strategic decisions with greater clarity. Our proprietary Dock is a centralized, cloud-based platform where you can explore dashboards with real, usable data. The Dock provides a single source of truth for:

  • Loan performance data, such as Expected Loss, Probability of Default, Loss Given Default, and Prepayment Rates — all drilled down by industry, franchise, and lender
  • Lending institution trends and benchmarks
  • 3.5 billion small business and macroeconomic data points
  • Clean, curated data transformed into intuitive visualizations

Break free from data silos, uncover growth opportunities, and reveal the insights that matter in one convenient place.

Models

Drawing upon our SBA lending expertise, we’ve developed a small-business scoring model that does not solely rely on FICO to qualify creditworthiness. This model meets the FDIC’s standards for soundness and governance. Our data-backed predictive analysis helps you:

  • Diversify your portfolio with small-volume or SBA-backed loans.
  • Mitigate risk and confidently extend capital to underserved businesses.
  • Implement a model risk management framework with full FDIC compliance.
  • Quicken your credit decisioning process with clear insights into underlying risk.

Capitalize on trends and grow sustainably in the SBA lending space.

Advisory Services

With decades of experience, our “Lumineers” emphasize creative problem-solving and deep analysis. We’re here to clear away the cobwebs and help you fully leverage your data. By collaborating with us, you gain:

  • Empowering, data-backed insights to make stronger strategic decisions
  • Non-judgmental, customizable data solutions with tidy, transparent data points and metrics
  • Expert-level financial analysis to close the gaps, mitigate risk, and expand your portfolio
Focus your energy on growing your institution rather than combing through and sorting your disparate data.

Rich Insights for Stronger Growth