Data arbitrage meets technology arbitrage

We crunch millions of data points to value consumers and consumer loans

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What is TheNumber?
At TheNumber, we use machine learning, data fusion, and other advanced technologies to look for and process patterns. We use these insights to create technology strategies for select clients.
$600+ Billion

Properties Reviewed


Consumers Reviewed

$120+ Billion

Securities Deconstructed

Our Products

RMBS Analytics

Identify trade opportunities within low factor, mezzanine, and residual non-agency RMBS with updated loan-level detail. Matches properties to non-agency RMBS and provides robust analysis on AVMs, listing information, borrower income estimate, liquidation, and more.

  • Web PlatformAccess loan level data from your desktop without intermediaries or brokers.

  • Loan Level AnalyticsAlgorithmically matched loans; delivering home addresses, updated AVMs and anonymized borrower characteristics.

  • Listing data that impacts near-term prepayListing and occupancy collateral data; informing value of locked out and discount bonds.

  • Focus on deep dive on loans that will impact returnsAnalyze loans that are in late stage delinquency / foreclosure with liquidation estimates based on advances, state level foreclosure timelines and updated valuations.

  • Data ExtractUse our fast pivot tables to segment pools and download stratified rep lines and loan level detail to Excel.

Loan Data Management

Data fusion platform to hyper-append social, credit, and adtech data to consumer loan tapes and run predictive analytics and reporting. Upload tape and get 1,000+ data points from dozens of data sources.

  • Data Fusion at your FingertipsWe hyper-append data from credit bureaus, social media, adtech, and others to give you a comprehensive view of data.

  • Connect to servicer and asset management dataManage your servicer using portfolio insights driven by data. Execute sub-servicing strategies by creating custom segments for your servicer or special servicer.

  • Stratification and Excel DownloadUse our fast pivot tables to segment pools. Download stratified rep lines and/or loan level detail to Excel.

  • API ServicesUse our partner services, such as TLO™, credit bureaus, mail-as-a-service, occupancy checking, etc. to drive insights.


Flexible Pricing

RMBS Analytics


  • On demand loan-level analytics for any bond
  • Full Property Triangulation and Matching using freshest Public Record Transaction data
  • Updated Remittance and Performance Histories
  • Real-time Consumer Analytics including borrower and co-borrower specific employment, social media, spending, and ad-tech data
  • Income Capacity Estimates for borrowers and co-borrowers
  • Real-time, proprietary, and best-in-class AVM that utilizes comparable neighborhood sales
  • Rapid data stratification, reporting and data discovery tools
  • Unlimited data exports including Excel and JSON based API outputs


  • All “bond-by-bond” features in addition to the following
  • Access to the ENTIRE universe of Non-Agency RMBS (50,000+ bonds) on an unlimited basis
  • Real time data refreshes (property, remittance and consumer analytics) across entire portfolio
  • Custom Data Integrations, including Bulk Upload and Download Capabilities
Loan Data Management

Base Product

  • Proprietary and Web-Based AVMs, Income Estimates, Consumer Credit w/24 months of Trended History
  • Derived Credit Velocity Flags
  • Consumer Ad-tech Data and Customized Scores
  • Social Media Matching
  • + 100s of other data points

Skip Trace

  • Contactability Scoring
  • Last Place of Employment
  • Telephone and Email Number Histories
  • Deceased, Out-of-Country, Active Duty, DNC Indicators
  • Employment Loss Indicators
  • Loan Disposition Scoring
  • TLO™ and other enhanced deep-location services one Pacer-Enhanced Bankruptcy Checks


  • Pacer-Enhanced Bankruptcy Checks
  • Litigious Indicators (Federal Lawsuit Filings, etc.)
  • Federal Prison Registry Checks


  • Drone-fly-by Appraisals
  • Advanced Owner Occupancy Checks
  • Direct Mailing Services via API


  • Monthly or Quarterly Data refresh on Base Product
  • Monthly or Quarterly Data refresh on Skip Trace
  • Semi-Annual data refresh on Legal Product
Existing Customers

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MBS AnalyticsLoan Data Management

Our Team

We are a team of scientists, technologists and domain experts with experience in consumer finance

Ziggy Jonsson

Co-Founder & CTO

Ziggy is the Chief Technology Officer of TheNumber. He was previously a Partner at ARAM Global and the Head of North American Structured Credit Trading at BofA. Prior to Bank of America he was part of the senior executive team at Kaupthing Bank and Glitinir Bank, two of Iceland’s largest banks. He holds a BS from the University of Iceland and is active in the open source community.

Vishal Garg


Vishal is the founding partner of 1/0 Capital and CEO of Better Mortgage. Previously, he was Co-head and Managing Partner, ARAM ABS Group ($6 B+ assets) and the Founder and President & CFO of MyRichUncle (2005 NASDAQ IPO), which he founded at the age of 21 and built into the fourth largest private student loan originator in the US. Prior to MyRichUncle, Vishal was an analyst in the Mergers & Acquisition dept. at Morgan Stanley, an emerging markets trader for the Strategos Fund and a quantitative trading analyst at Kern, Suslow & Co. He is a graduate of NYU Stern with highest honors.

Hans Thomas

Co-Founder & Executive Director

Hans is a career FinTech entrepreneur, beginning as a member of the founding team at InternetCash (1999), a pioneering cryptography-based digital currency startup backed by the founder of Verisign. Hans later founded online jumbo mortgage firm RefinanceOne (2007 exit), and has been been involved in a variety of startups totaling $1B+ market value. Hans brings broad experience across asset classes in the hedge fund, capital markets & litigation space, as Founder & Managing Director of Centuriant Capital & Managing Director, Emerging Markets at 1/0 Capital.


TheNumber was founded by 1/0 Capital, a leading credit and fintech investment firm focused on the intersection of consumer finance, data, and technology.


Get In Touch

Let us show how TheNumber can work for you.

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Address :

1 World Trade Center

85th Floor

New York, NY 10007

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