Join THC to optimize opportunities for sustained growth and financial strength
Leverage the power of THC v2.0 to connect with banks, credit unions, brokers and other intermediaries through transactional analytics. Flexibly and quickly analyze and purchase/sell loans and securities in alignment with performance and profitability goals.
35+ years of financial model development.
35+
2006
Selected by a federal bank regulator as the sole provider of interest rate reports for all its regulated banks.
Analytics library contains over 60 million loan records and 15+ years of market data.
60 mm
10
Data includes over ten years of loan back testing for banks, (both prepayment and loss default analysis).
Our proprietary research includes all available regulatory CALL report data, including CRM/TFR data for thrift banks and credit unions since 2004 to incorporate interest rate risk analysis.
~10,000
30
Pricing covers over 30 loan types including construction, land, 1-4 family mortgages, 2nd mortgages, HELOCs, multi-family, CRE, farmland, agriculture, commercial, credit cards, auto, personal, and other consumer loans.
$14 trillion under management using key rate duration, a THC innovation.
$14 T
50+
Over 50 regulatory and decision-support reports.
When you partner with THC, you will have…
  • Rigorous Financial Models. A decision-support model should have rigorous financial models. In the past 13+ years, we have learnt inadequate models at best mislead and at worse lead to erroneous decisions. THC wants to change that for our clients.
  • Unprecedented access to THC v2.0—exclusive and state-of-the-art financial models and cloud technology developed by THC.
  • The support of the THC Team of experts and resources to maximize the power of our patented, proprietary and precise models to help you make smarter, better and faster decisions.
  • Actionable data analytics that gives you more opportunities to acquire and retain customers, enhance operational efficiency, manage risk, and identify opportunities to enhance financial strength.
  • Access to the THC Loan Desk to support secondary market loan transactions. Loan types covered: QM and Non-QM, 1-4 family residential mortgages, auto loans, SBA and agricultural loans.
TESTIMONIALS

Dr. Ho, I want to thank you for the work you and your team at Thomas Ho Company ("THC") have done for us over the last…""

RANDY FORD

FORMER VP/CFO HERITAGE BANK

We have been continuously impressed with Dr. Ho and his staff since we become clients in 2012. The systems THC has implemented for us are vastly… ""

KERRY E. NEFF

PRESIDENT/CEO BOONVILLE FEDERAL SAVINGS BANK

I said this is the best model I have ever seen” Recently while attending a FHLB conference I overheard two bankers discussing ALM Models while they… ""

JOHN GITTINGS

FORMER EXECUTIVE VICE CHAIRMAN AND CFO KEYSTONE BANK

Effectively managing today’s balance sheet demands evaluating a myriad of alternatives in order to create competitive advantages for Central Savings and its development team…""

JEFF KOSOBUCKI

VICE PRESIDENT/CFO CENTRAL SAVINGS, F.S.B.

 

Contributions

 


Named one of the two ALM vendors of the 21st century Bank Asset/Liability Management A.S Pratt, April 2014


Mortgage Model: https://www.fhfa.gov


Selected sole provider of risk report: https://www.occ.gov


Introduced Ho-Le Model and authored Key Rate Durations. For more videos, please check our YouTube page.


Featured in Bloomberg Magazine 2008 as "The Mathematical Modeler"