Skip to main content

Search Keyword

Main Menu

I work in
- Main Menu CTA
  
  Request a Demo
  
  Contact customer support
  or call 212-274-9075
- Industry
  - Banking/Credit Unions
  - Broker Dealer/Trading
  - Insurance
  - Investment Management
  - Mortgage Banking/Servicing
  - Regulatory and Guaranty
  - Log In Required
- Investment Types
  - Credit Risk Transfer
  - Derivatives
  - Mortgage-Backed Securities
  - Mortgage Loans
  - Mortgage Insurance
  - Mortgage Reinsurance
  - Log In Required
Log In Required
Tools
- Climate Impact Suite
  
  Introducing Climate Impact Suite
  
  Looking for a complete solution to measuring climate-related risk? AD&Co’s Climate Impact Suite (CIS) is now available.
  
  Learn more
- Applications
  - Applications Overview
  - LoanKinetics
  - MSRKinetics
  - PoolKinetics
  - RiskProfiler
  - Log In Required
- Models
  - Models Overview
  - LoanDynamics
  - OAS Subroutine
  - MacroDynamics
  - Climate Impact Suite
  - Log In Required
- Delivery Channels
  - Third-Party Integrations
  - Direct Licensing
  - Consulting
  - Log In Required
Log In Required
Consulting
- Consulting CTA
  
  Interested in AD&Co Consulting Services?
  
  Contact customer support
  or call 212-274-9075
- Consulting Overview
  - Litigation Support
  - Model Advising
  - Portfolio Strategy
  - Risk Management
  - Valuation
  - Log In Required
Log In Required
Insights
- Research & Publications
  - The Pipeline
  - Quantitative Perspectives
  - Policy Perspectives
  - Books
  - White Papers
  - Log In Required
- News & Events
  - AD&Co in the News
  - Press Releases
  - Events
  - Log In Required
- Blog
  - The S-Curve
  - Log In Required
Log In Required
Client Portal
- My AD&Co
  - Dashboard
  - Downloads
  - Log In Required
- Online Tools
  - Model Demos
  - Mortgage Analysis & Reporting System (MARS)
  - Log In Required
- Reports
- Support
  - Documentation & User Guides
  - Vendor Compatibility
  - Model Validation
  - Model Tuning & Updates
  - Data Files
  - Release Notes
  - FAQs
  - Developer Resources
  - Log In Required
- Client Portal CTA
  
  NOW AVAILABLE: Kinetics v2.0 Official Release
  
  Learn more
Log In Required

About AD&Co

About AD&Co
Search
Log In
Request a Demo / Contact

New Andrew Davidson & Co., Inc. Research Demonstrates the Costs to Consumers and Investors of Moving Away from the Tri-Merge Standard in Mortgage Underwriting Read now!

About AD&Co

About AD&Co
Search
Log In
Request a Demo / Contact

Search Keyword

Main navigation

I work in
- Main Menu CTA
  
  Request a Demo
  
  Contact customer support
  or call 212-274-9075
- Industry
  - Banking/Credit Unions
  - Broker Dealer/Trading
  - Insurance
  - Investment Management
  - Mortgage Banking/Servicing
  - Regulatory and Guaranty
  - Log In Required
- Investment Types
  - Credit Risk Transfer
  - Derivatives
  - Mortgage-Backed Securities
  - Mortgage Loans
  - Mortgage Insurance
  - Mortgage Reinsurance
  - Log In Required
Log In Required
Tools
- Climate Impact Suite
  
  Introducing Climate Impact Suite
  
  Looking for a complete solution to measuring climate-related risk? AD&Co’s Climate Impact Suite (CIS) is now available.
  
  Learn more
- Applications
  - Applications Overview
  - LoanKinetics
  - MSRKinetics
  - PoolKinetics
  - RiskProfiler
  - Log In Required
- Models
  - Models Overview
  - LoanDynamics
  - OAS Subroutine
  - MacroDynamics
  - Climate Impact Suite
  - Log In Required
- Delivery Channels
  - Third-Party Integrations
  - Direct Licensing
  - Consulting
  - Log In Required
Log In Required
Consulting
- Consulting CTA
  
  Interested in AD&Co Consulting Services?
  
  Contact customer support
  or call 212-274-9075
- Consulting Overview
  - Litigation Support
  - Model Advising
  - Portfolio Strategy
  - Risk Management
  - Valuation
  - Log In Required
Log In Required
Insights
- Research & Publications
  - The Pipeline
  - Quantitative Perspectives
  - Policy Perspectives
  - Books
  - White Papers
  - Log In Required
- News & Events
  - AD&Co in the News
  - Press Releases
  - Events
  - Log In Required
- Blog
  - The S-Curve
  - Log In Required
Log In Required
Client Portal
- My AD&Co
  - Dashboard
  - Downloads
  - Log In Required
- Online Tools
  - Model Demos
  - Mortgage Analysis & Reporting System (MARS)
  - Log In Required
- Reports
- Support
  - Documentation & User Guides
  - Vendor Compatibility
  - Model Validation
  - Model Tuning & Updates
  - Data Files
  - Release Notes
  - FAQs
  - Developer Resources
  - Log In Required
- Client Portal CTA
  
  NOW AVAILABLE: Kinetics v2.0 Official Release
  
  Learn more
Log In Required

Breadcrumb

Home
White Papers

The Impact of Moving Away From The Tri-Merge Standard

February 19, 2026

The Impact of Moving Away From The Tri-Merge Standard, February 2026

Read more

Footer Top: Contact

Contact Us

Footer: Solutions

I work in
- Industry
- Investment Types

Footer: Products

Tools

Footer: Consulting

Consulting
- Consulting Overview

Footer: Insights

Insights

Footer: Client Portal

Client Portal
- Log In
- Dashboard

Footer: About AD&Co

About AD&Co

Footer: Connect

Connect
- LinkedIn
- X

© 2026 Andrew Davidson & Co., Inc. All rights reserved.

Footer Bottom

Terms of Use
Privacy Statement