The S-Curve

Welcome to The S-Curve

Now you will be able to receive the latest announcements, product updates, and our insights on the mortgage market in real time.

The name of the blog, the S-Curve, is a reflection of our logo and the central feature of our prepayment model. S-curves are seen in nature in many phenomenon, from population growth to prepayment and default models. Our first S-curve, in the early 1990s, used the arctangent function, then piece-wise linear functions, and evolved over time to be more complex and vary by FICO, loan size and LTV. This evolution encapsulates both the timeless nature of fundamental relationships and constant innovation to describe them better over time.

We hope you find the information useful and we look forward to your feedback.

Subscribe to our publications to make sure you stay up to date
Blog - Latest
  • AD&Conversations: Exploring Kinetics

    Kevin Lin, Richard Cooperstein

    Podcast

    Join Kevin Lin in a conversation with Richard Cooperstein as they dive into Kinetics, AD&Co's modular platform designed to deliver the full power of our models and analytics; with the flexibility to license only the tools you need. In this interview, they unpack insights from Eric Limjoco's recent Pipeline article, "Driving Sharper Insights with the Kinetics Reporting Engine,"  and share a sneak peek into what's coming with the Kinetics 2.0 release.

    As a seasoned internal power user, Richard shares why this upgrade is an innovative enhancement for delivering comprehensive solutions across the mortgage space. 
     

Blog - Archives

The S-Curve Archives

  • Kevin Lin, Richard Cooperstein

    Podcast

    Join Kevin Lin in a conversation with Richard Cooperstein as they dive into Kinetics, AD&Co's modular platform designed to deliver the full power of our models and analytics; with the flexibility to license only the tools you need.

  • Andrew Davidson

    Thoughts

    The latest Policy Perspectives paper “Competing Claims in Privatization of Fannie Mae and Freddie Mac” is now available!

    Nearly 20 years ago, on September 6, 2008, the GSEs, Fannie Mae and Freddie Mac entered conservatorship. Since that time there have been many proposals to restructure, eliminate or release the GSEs. Once again there is talk about the privatization of Fannie Mae and Freddie Mac.

  • Tom Parrent

    Thoughts

    AD&Co held our annual employee meeting in Detroit, Michigan. In addition to gathering everyone in person to socialize and strategize, we use these annual meetings to learn about different cities, especially with regard to housing market dynamics.

    We chose Detroit because the oft-maligned city is undergoing a significant renaissance, and we wanted to explore the area and learn how housing may have played a role in both Detroit’s decline and rebirth.

  • Niraj Tailor, Hikmet Senay

    Products

    Andrew Davidson & Co., Inc (AD&Co) is pleased to announce the beta release of MARS+, the next generation of Mortgage Analysis & Reporting System (MARS), which has been in use since 2008 for performance reporting of AD&Co models. MARS+ aims to provide enhanced and advanced capabilities and features for mortgage analysis and reporting.

    The new enhancements of MARS+ include:

  • Eknath Belbase, Laura Silberg, Aidan Loftus, Joni Baker, Sam Sutton, Richard Cooperstein

    Events

    Several AD&Co employees attended SFVegas 2025. This post shares their unique perspectives from attending the conference and key takeaways from the sessions.

  • Eknath Belbase

    Thoughts

    We’re excited to announce our latest Quantitative Perspectives providing in-depth insights into current market trends and advanced valuation techniques. This publication offers valuable information for mortgage market participants and those involved in credit risk transfer transactions.

  • Laura Silberg, Andrew Davidson, Eknath Belbase, Alex Levin

    Podcast

    Tune in to Laura Silberg's interview with Andrew Davidson, Eknath Belbase and Alex Levin as they discuss their latest Quantitative Perspectives, our independent commentary series, titled 

  • Andrew Davidson

    Thoughts

    As providers of mortgage models for financial institutions, Andrew Davidson & Co., Inc. (AD&Co) enables clients to validate their use of our models and offers documentation describing the conceptual framework of the models, back-testing results, and sample forecasts under a variety of economic conditions. We also work with analytics providers who have incorporated our models to ensure that the models works as intended.

  • Alex Levin, Andrew Davidson, Eknath Belbase, Mickey Storms, Nathan Salwen

    Thoughts

    We’re excited to announce two new Quantitative Perspectives that provide in-depth insights into current market trends and advanced valuation techniques. These papers offer valuable information for mortgage market participants and those involved in credit risk transfer transactions.

  • Joni Baker

    Events

    Andrew Davidson & Co. Inc. (AD&Co) proudly sponsored the Information Management Network (IMN)’s 10th Annual Mortgage Servicing Rights (MSR) Forum, held November 21 - 22, 2024 at the New York Marriott at Brooklyn Bridge.