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.

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Blog - Latest
  • Diversity Awareness Lifts all People


    To seek "causes" of poverty in this way is to enter an intellectual dead end because poverty has no causes. Only prosperity has causes. – Jane Jacobs, Activist and Author

    Here at Andrew Davidson & Co., Inc. (AD&Co) we have been aware since our founding in 1992 that diversity of all kinds makes for a more interesting culture, a better exchange of ideas, and ultimately better products and services. However, for all of us, globally and in the U.S., there is still a long way to go. We are focused on increasing our sensitivity to diversity and unconscious bias and have made diversity outreach in recruiting, mentorship, vendors, charitable giving—indeed, in every aspect of our business a priority. We have been focused on the fact that every person deserves an equitable life. Our guiding principle is that we are all people and we all deserve to be treated equally. 

    This is especially relevant to issues of housing as AD&Co’s Richard Cooperstein has addressed in the article he co-authored with Ken Fears from the National Association of Realtors (NARS) and Susan Wachter of the Wharton School for Business, University of Pennsylvania, Government-Sponsored Enterprises: Their Viability as Public Utilities published in the journal “Housing Policy Debate,” Volume 31, 2021 - Issue 1: The Mortgage Market in the Time of COVID / Smart Cities, Housing, and Community Development Policy.

Blog - Archives

The S-Curve Archives

  • News

    Andrew Davidson & Co., Inc. (AD&Co), is proud to support Fite Analytics’ innovative cloud-native Mortgage-Backed Securities Analytics Service. The Fite Analytics solution incorporates AD&Co’s LoanDynamics models that provide forecasts of voluntary prepayments, defaults and losses that drive risk analytics across the mortgage-backed securities market with comprehensive coverage.

  • News

    We are thrilled to announce that Andrew Davidson & Co., Inc. has launched a new look for Some of the exciting new features of this site include:

    • A dynamic homepage highlighting the firm’s latest innovations, AD&Co client benefits, announcements, and Diversity, Equity and Inclusion efforts.