Understanding Composite Scoring Within the Borrower Application Action Flow

As borrower applications move through the AcuView action flow, the platform continuously builds a view of borrower health based on observed actions and repayment behavior. Composite Scoring provides a structured way to summarize this behavior into a single, consistent score that reflects how a borrower has performed over time.

The Composite Score is not tied to a single application state. Instead, it evolves as borrowers progress through the application lifecycle from Pending, to Approved, and into repayment-related states such as Paid Off, FPD, or Written Off. Each transition contributes behavioral signals that shape the borrower’s overall health profile.

How Borrower Actions Contribute to the Composite Score

Composite Scoring is derived entirely from repayment outcomes and historical performance, rather than from verification results or individual application decisions. As borrowers interact with the lending system, AcuView observes patterns such as successful repayments, missed payments, early defaults, and long-term loan outcomes.

These observed actions feed into weighted scoring parameters that quantify borrower behavior across multiple dimensions. The goal is to reflect how reliably a borrower completes loans and how their repayment behavior trends over time, rather than reacting to a single event in isolation.

Scoring Weights Used to Measure Borrower Health

The Composite Score is calculated using weighted scoring parameters. Each parameter represents a different aspect of borrower behavior observed across the application action flow:

  • Profitability reflects how often loans reach a successful paid-off state relative to total loans.
  • Success Rate reflects how consistently approved loans result in successful repayment.
  • Recent Trend reflects changes in repayment behavior over recent activity windows.

These parameters are combined into a normalized score on a 0–100 scale. When applicable, fraud risk is applied as a negative adjustment to account for elevated risk signals without overriding repayment history. The scoring formula ensures that long-term behavior carries the most weight while still accounting for recent changes in borrower activity

Composite Score Across Application States

As borrowers move through application states, the Composite Score helps contextualize what those states mean in terms of borrower health.

A borrower who progresses from Approved to Paid Off strengthens their score through successful repayment. Repeated Paid Off outcomes reinforce positive profitability and success rate metrics.

Conversely, transitions into states such as FPD, FPD-R08, or Written Off introduce negative repayment signals that weaken the borrower’s health profile. These outcomes do not immediately define the borrower but contribute proportionally to how their overall behavior is reflected in the Composite Score.

Because the score aggregates behavior across time, it allows lenders to distinguish between isolated issues and consistent repayment problems.

Interpreting Composite Score Alongside the Action Flow

The Composite Score should be interpreted as a longitudinal view of borrower health, while the application action flow represents point-in-time status. Together, they provide complementary perspectives:

  • The action flow shows where the current loan stands.
  • The Composite Score shows how the borrower has historically behaved across loans.

This combination allows lenders to understand not just the current state of an application, but how that state fits into the borrower’s broader repayment history.

Why Composite Scoring Belongs in the Action Flow

By anchoring Composite Scoring to borrower actions and repayment behavior, AcuView ensures that scoring reflects real outcomes, not assumptions. This makes the Borrower Application Action Flow not just a status tracker, but a behavioral timeline that continuously informs borrower health over time.