PointPredictive
Point Predictive provides AI-powered fraud detection and income/employment verification for consumer lenders and auto dealerships, leveraging a consortium of 650+ financial institutions and 300+ million historical loan applications.
- Company typePrivate
- Founded2013
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What PointPredictive does
Point Predictive is a San Diego-based AI company that provides fraud detection and income/employment verification solutions to consumer lenders and auto dealerships, with a primary focus on auto lending. Founded in 2013 by Tim Grace and Frank McKenna — both veterans of BasePoint Analytics (acquired by CoreLogic in 2009) and FICO — the company has built a proprietary data consortium drawing on contributions from more than 650 financial institutions and approximately 300 million historical loan applications, totaling over 90 billion data risk attributes. Its product suite includes AutoPass (lender-facing fraud scoring with 150+ alerts), BorrowerCheck (for lenders and dealers), DealerCheck (dealer risk monitoring across 68,000+ active dealership profiles), IEValidate (income/employment verification built on 387M+ income records and 16,000+ known fake employer profiles), IncomePass, and MortgagePass. Solutions are delivered via documented APIs (BorrowerCheck, DealerCheck, IncomePass) for direct integration into lender origination and dealer DMS workflows.
The company's core technology uses machine learning to detect first-party fraud — synthetic identities, income and employment misrepresentation, straw borrower schemes, and bust-out fraud — returning sub-second risk scores and reducing early payment defaults by 40% to 60% according to company claims. Distribution combines enterprise direct sales with embedded integrations through major automotive technology platforms: a January 2026 integration with Cox Automotive's Dealertrack brought BorrowerCheck into the Dealertrack compliance suite, and a May 2026 partnership with Stellantis MarketCenter extended reach to more than 2,600 Chrysler, Dodge, Jeep, Ram, FIAT, and Alfa Romeo dealerships. In June 2026, IEValidate was expanded to deliver income and employment analysis on 100% of applications across auto loans, personal loans, credit cards, rentals, buy now pay later, and mortgage lending.
Point Predictive operates on a SaaS subscription revenue model with quote-based, per-customer pricing that is not publicly disclosed. The company has raised undisclosed amounts from CIBC Innovation Banking, Ten Coves Capital, Mosaik Partners, and Napier Park Financial Partners across funding events in 2017, 2020, and 2021, with the most recent priced financing in October 2021. With reported headcount of 11–50 employees, the company runs a lean operation that monetizes its consortium through per-application scoring and API consumption contracts with banks, credit unions, alternative lenders, fintechs, and dealer groups.
PointPredictive firmographics
Firmographics- Name
- PointPredictive
- Legal name
- Point Predictive
- Website
- https://pointpredictive.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Point Predictive provides AI-powered fraud detection and income/employment verification for consumer lenders and auto dealerships, leveraging a consortium of 650+ financial institutions and 300+ million historical loan applications.
- Ownership category
- akta.pro rank
PointPredictive industry classification
Industry- Product category
- Lending Fraud Detection & Income/Employment Verification Software
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)
- SIC
- Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where PointPredictive is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PointPredictive business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS / Subscription Licensing: Point Predictive operates as a SaaS company providing AI-powered fraud detection and income/employment verification solutions on a subscription basis. Lenders and dealers access the platform via APIs and integrations. The company offers its solutions as APIs (BorrowerCheck API, DealerCheck API, IncomePass API) embedded into customer workflows.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
PointPredictive product offering
Product offeringCore offering
Point Predictive sells AI-powered fraud detection, identity verification, income/employment validation, and dealer risk scoring software to consumer lenders, auto dealerships, mortgage lenders, and alternative/fintech lenders. Its solutions are delivered as SaaS subscriptions and APIs (BorrowerCheck, DealerCheck, IncomePass), powered by a proprietary consortium data repository containing more than 300 million historical loan applications contributed by 650+ financial institutions. The platform enables lenders to automate up to 80% of lending decisions while detecting synthetic identities, income misrepresentation, and dealer fraud that traditional methods miss.
Product overview
Point Predictive offers a unified suite of AI-powered fraud detection and risk management solutions for consumer lending. The product portfolio includes AutoPass (auto lending fraud scoring with 150+ alerts), BorrowerCheck (for both dealers and lenders to detect synthetic IDs and verify identity), DealerCheck (AI-powered dealer risk monitoring for 68,000+ dealerships), IEValidate (income and employment verification), IncomePass (income screening), and MortgagePass (mortgage fraud detection). The solutions leverage a proprietary data consortium of more than 650 financial institutions, 300+ million historical loan applications, and 90+ billion data risk attributes to power real-time fraud detection, identity verification, and income/employment validation across auto lending, mortgage, and personal lending.
Differentiator
Problem solved
Functional benefit
Products and services
- AutoPass AI-powered fraud scoring platform for auto lenders that evaluates every loan application against Point Predictive's consortium data and returns more than 150 fraud risk alerts covering identity fraud, income misrepresentation, employment fraud, straw borrower schemes, and collateral fraud. Enables lenders to automate up to 80% of lending decisions and prevent 40-60% of early payment defaults.
- BorrowerCheck for Dealers Point-of-sale fraud screening for auto dealerships that screens applications against Point Predictive's data repository containing nearly 100 billion risk insights from 310+ million historical loan applications. Detects synthetic identities, income and employment misrepresentation, fake employers, and repeat fraud patterns, reducing false positives by up to 70%. Includes Driver's License Scan for computer-vision-based license validation against DMV records.
- BorrowerCheck for Lenders Fraud prevention solution for lenders that uses machine learning to detect synthetic IDs, score fraud risk, and verify documents in real time within lender decisioning workflows.
- DealerCheck AI-powered dealer risk scoring solution that monitors more than 68,000 active dealership profiles and identifies dealers with higher fraud and default rates up to 180 days sooner than traditional methods. Helps lenders onboard new dealers and monitor their existing network.
- IEValidate Income and employment verification solution that validates borrower income and employment instantly without requiring paystubs, bank statements, or employer verification calls. Built on more than 387 million income records and 26 million employer profiles, screens against more than 16,000 known fake employers, and returns results in less than a second. Includes Observed Income Report, Modeled Income Report, and raw attributes.
- IncomePass Income verification solution providing upfront income screening to identify who is truthful on loan applications without requiring paystubs or expensive legacy employment databases. Delivered via API for lender integration.
- MortgagePass Fraud detection solution for mortgage lending that identifies misrepresentation and fraud in mortgage applications using Point Predictive's consortium data and AI models.
Quantifiable outcome
- Lenders can automate up to 80% of lending decisions without requiring documentation
- +7 more outcomes
Companies that use PointPredictive
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
PointPredictive technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability6 records
Feature5 records
PointPredictive partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- Stellantis MarketCentercoreStellantis MarketCenter, the centralized hub for approved vendors serving Stellantis' U.S. dealer network of more than 2,600 Chrysler, Dodge, Jeep, Ram, FIAT, and Alfa Romeo dealerships, partnered with Point Predictive to offer BorrowerCheck for Dealers with Driver's License Scan to its dealer network. Dealers can enroll in BorrowerCheck and Driver's License Scan directly through the MarketCenter platform. The partnership was selected because of Point Predictive's ability to leverage consortium data and provide greater visibility into fraud patterns.
- Cox Automotive (Dealertrack)flagshipCox Automotive integrated Point Predictive's BorrowerCheck AI-driven identity verification and fraud prevention solutions into its Dealertrack platform. The partnership enables dealers and lenders using Dealertrack to detect synthetic IDs, deepfakes, and document fraud in real time. Industry analysts predict automotive fraud could reach $10 billion in 2026, making this integration timely for dealers seeking next-generation fraud prevention. The solution uses machine learning to achieve over 90% detection of fraud missed by traditional systems while reducing false positives by up to 70%.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
PointPredictive competitors and assessment
Company assessmentBroad incumbents
- Experian: Experian is a global credit bureau and information services company offering fraud, identity, and credit decisioning products to lenders. Its consumer credit data, lender relationships, and fraud suites overlap directly with Point Predictive's offerings in auto, mortgage, and personal lending.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions is a large data and analytics provider serving lenders, insurers, and consumer-facing businesses with fraud, identity, and compliance data. It overlaps with Point Predictive's consortium-style data approach and serves the same auto and mortgage lending customers with broader risk offerings.
- TransUnion: TransUnion is one of the three US nationwide credit bureaus and sells fraud, identity verification, and risk decisioning products to lenders. Its broad data assets, established lender relationships, and packaged fraud solutions make it a direct overlap to Point Predictive's auto and mortgage lender base.
- Equifax: Equifax is a major US credit bureau selling credit reporting, identity verification, and fraud analytics to the same auto, mortgage, and personal lending buyers. Its scale, data assets, and existing enterprise integrations compete head-on with Point Predictive's consortium data positioning.
Emerging players
- Pinwheel: Pinwheel is a payroll data connectivity platform that enables income and employment verification via direct deposit switching and payroll provider integrations. It competes with IEValidate and IncomePass for the same lender and fintech buyer for income and employment verification use cases.
- SentiLink: SentiLink is a venture-backed identity and fraud analytics company focused on synthetic identity fraud and application fraud for banks, credit unions, and fintech lenders. It competes with the BorrowerCheck and AutoPass product lines in the auto and personal lending verticals.
- Persona: Persona is an identity verification platform providing document verification, selfie verification, and risk signals to consumer-facing businesses. Its identity and document verification capabilities compete with Point Predictive's Driver's License Scan and identity verification offerings.
- DataVisor: DataVisor is an AI-driven fraud and AML platform serving banks, fintechs, and online lenders with real-time anomaly detection. It overlaps with Point Predictive's predictive fraud detection positioning across digital and consumer lending.
- Veriff: Veriff is a global identity verification company offering document and biometric verification for fintech, mobility, and financial services. It overlaps with Point Predictive's BorrowerCheck identity and document validation functionality, particularly in auto and fintech lending flows.
Direct peers
- FICO: FICO is the incumbent provider of credit scoring and fraud analytics to the same lender customers Point Predictive targets, including fraud detection, income/employment verification, and risk decisioning. Both companies sell analytics-driven risk tools to auto lenders, mortgage lenders, and credit unions, and compete for similar enterprise contracts.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
PointPredictive social profiles
Digital presencePointPredictive financial estimates
Financial estimateRevenue estimate
Valuation estimate
PointPredictive leadership team
Management profileNumber of profiles
Profiles13 records
PointPredictive funding detail
Funding detailFunding overview
Funding rounds4 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PointPredictive M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PointPredictive
What does PointPredictive do?
Point Predictive sells AI-powered fraud detection, identity verification, income/employment validation, and dealer risk scoring software to consumer lenders, auto dealerships, mortgage lenders, and alternative/fintech lenders. Its solutions are delivered as SaaS subscriptions and APIs (BorrowerCheck, DealerCheck, IncomePass), powered by a proprietary consortium data repository containing more than 300 million historical loan applications contributed by 650+ financial institutions. The platform enables lenders to automate up to 80% of lending decisions while detecting synthetic identities, income misrepresentation, and dealer fraud that traditional methods miss.
Is PointPredictive a public or private company?
PointPredictive is a private company. It is classified as venture growth investor backed and is currently operating.
When was PointPredictive founded?
PointPredictive was founded in 2013. It employs 11 to 50 people.
Where is PointPredictive based?
PointPredictive is headquartered in San Diego, United States, in the North America region.
How does PointPredictive make money?
One revenue line is on record: saaS / Subscription Licensing.
Who are PointPredictive's main competitors?
Broad incumbents on record are Experian, LexisNexis Risk Solutions, TransUnion and Equifax. Emerging players are Pinwheel, SentiLink, Persona, DataVisor and Veriff. FICO is listed as a direct peer.
Does PointPredictive have an API?
Yes. Point Predictive offers API documentation for its products including BorrowerCheck, DealerCheck, and IncomePass. These APIs enable real-time fraud risk scoring, synthetic ID detection, income and employment verification, and document validation. The APIs support integration into lender and dealer decisioning systems. Developer documentation is at docs.pointpredictive.com/reference/overview-1.
What industry is PointPredictive in?
PointPredictive's product category is Lending Fraud Detection & Income/Employment Verification Software. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification, with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5223 and its SIC code is 7372.