Avarent
Find disparate lending outcomes. Package the evidence.
Measure where decisions diverge, investigate the drivers behind a finding, and give compliance and model-risk teams a review-ready record.
Spot disparate outcomesInvestigate the findingExport review-ready evidence
Why it matters
A disparity only matters if your team can act on it.
Avarent turns one decision question into a finding your teams can understand, challenge, and use.
One evaluation questionOne reproducible findingOne evidence packetTen-business-day delivery
01 / What it does
Move from a signal to a defensible next action.
Test outcomes by cohort.
Calculate approval-rate and disparity measures against documented reference groups and configurable review thresholds.
Trace the finding.
Keep the population, comparison, time window, threshold, and supporting records attached to the result.
Review decision reasons.
Surface candidate reasons tied to available decision data, while leaving validation and selection with qualified staff.
Export the evidence.
Package methods, findings, reviewer actions, limitations, and version context for internal or third-party review.
02 / Illustrative output
A finding should explain itself.
This sample is illustrative, not a customer result. Every figure is paired with its comparison, scope, threshold, and next review action.
Approval-rate disparity crossed the configured review threshold.
0.77adverse impact ratio
illustrative cohort
illustrative cohort
- Reference rate
- 82.4%
- Comparison rate
- 63.5%
- Window
- Jan–Mar sample
- Threshold
- 0.80 screening rule
Interpretation boundary
A screening threshold is not, by itself, a legal determination. Review population definition, sample size, policy context, and alternative explanations.
Inspect before you contact us
See what “reviewable evidence” means.
Open a four-page synthetic packet containing a disparity finding, calculation context, traceable record, reviewer checklist, limitations, and export manifest. It is illustrative and contains no customer data.
03 / Built for the buying committee
Give every reviewer the answer they need.
Compliance
What happened, which rule or policy is implicated, what is uncertain, and who reviewed it?
Inspect definitionsModel risk
Which population, reference group, metric, version, threshold, and validation boundary produced the result?
Inspect methodsSecurity and IT
What data is needed, where does it move, who can access it, when is it deleted, and how does the pilot end?
Inspect security scopeProcurement
What is being purchased, what can fail, what evidence is available, and how does the institution exit?
Open the diligence packet04 / The first engagement
Start narrow. Prove value. Then expand.
- 1Choose the question
Define the workflow, outcome, population, comparison, and useful decision.
- 2Run the review
Test whether the finding is reproducible, clear, and useful to your team.
- 3Receive the evidence
Leave with the packet, exports, limitations, and a concrete next decision.
05 / Direct answers
What buyers ask before moving forward.
Does Avarent replace our underwriting model?
No. Avarent is designed as an evaluation and monitoring layer around decision outputs. A pilot does not require replacing a model or changing a credit policy.
Do we need to begin with production data?
No. The first evaluation can use synthetic or de-identified data. Any move beyond that requires an agreed data-flow, field inventory, retention period, access model, and deletion procedure.
Does Avarent determine whether a lender is legally compliant?
No. Avarent produces measurements, findings, and evidence for qualified human review. It is not legal advice, a regulator, or a substitute for independent model validation.
What can a reviewer inspect before a pilot?
The methodology, metric definitions, limitations, sample output, proposed data flow, pilot boundaries, and security questionnaire responses can be reviewed before non-synthetic data is introduced.
06 / A concrete next step
Bring one real evaluation question.
Tell us the lending workflow and the decision you need to make. We will return a proposed method, minimum inputs, deliverables, and a clear next step.