The Visible Equity Database

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The Visible Equity database currently contains data on 36.5 million total unique borrowers and a total unique loan count of 32.5 million. That brings total assets to $540 billion! With such a large database, Visible Equity has substantial access to provide innovative and meaningful analytics. Let’s take a look at some statistics the database has to offer.


The following plot presents the average portfolio concentration by balance across loan categories from the database. According to the plot, approximately 54% of the portfolio concentration for our users is in consumer loans, about 41% in residential loans, about 8% in commercial real estate loans, about 4%  in business loans, and about 3% in other loans that do not fall within the previously listed categories.

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Below we see a summary of loan pricing by loan category. On the lower horizontal axis we find the average rates. Consumer leads the pack at just over 0.08 while all other categories fall within about 0.045 and just over 0.06.

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Now we’ll explore things from the applications side.This next plot shows the percent of applications institutions received that were actually funded, or look-to-book ratios, broken down by credit tiers (which are defined along the lower horizontal axis). We expect applications with higher credit scores to have a greater chance of being approved than applications with lower credit scores. It should naturally follow that higher credit score tiers will therefore result in higher funding ratios, as the plot confirms. We see that as the credit score tier diminishes, the look-to-book ratio does as well, as expected.

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This last plot shows the approve-to-book ratios, or the percent of approved applications that were actually funded. We see a relatively uniform pattern across all credit tiers. We expect a high chance of an application being funded, regardless of credit tier, given that the application has been approved, so this uniformity is not surprising.

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Now that we’ve seen some summaries, we now have a better understanding of what’s available in the database. With users from all over the country, the Visible Equity database lends itself to institution comparisons through Peer Analytics. Peer Analytics allows your institution to define a peer group based on geographic location and asset size, and Peer Analytics will retrieve a random sample of institutions that fall within your peer group from our database. Without disclosing any institution-level information, Peer Analytics will report your institution’s standings compared to peer group averages from loan perspectives, application perspectives, etc.


Keaton Baughan

Product Manager