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What is the Trail book Risk-retention meter based on?

Sherlok’s Trail Book Risk-Retention Meter calculates risk by averaging client churn rates, derived from a detailed analysis of 150 data points, including loan history and current rates.

Sherlok analyses your whole trail book and gives each client a Churn Rate (which states the risk profile of your book). The Churn Rate is a complex algorithm that analyses 150 data points ranging from when the loan was written to the current rate they are on. The Trail Book Risk Retention meter is the average of your client's combined churn rates.