Risk scoring
A live risk score on each loan, before small problems compound.
Risk Scoring gives each construction loan a score for its likelihood of finishing on time and within budget, updated as the loan’s data changes, so your team knows where to look.
Live risk score
85High risk
Driving the score
- Stalled progress
- Progress issues
- Excessive deposits
- Outstanding deposits
From snapshots to a live picture
Construction risk moves daily. Periodic reviews can only catch it at intervals.
Between portfolio reviews, a draw slows, a budget line runs low, and small deviations have time to compound. Risk Scoring updates each loan’s score as its data changes, so your team sees problems while there’s time to act.
Where to focus, and why
The score tells you where. The insights tell you why.
Sizing up an unfamiliar loan the manual way means reading through the file: notes, draws, inspections. The score draws on that same data, for each loan, as it changes.
The risk score sits at the top of the loan summary. Click it, and the Risk Score dashboard shows the insights behind the number, like stalled progress or excessive deposits, so you know what to address.
Single-familyRisk score 57
Click the score
Risk score dashboard
Stalled progressNo draw in 38 daysProgress issuesNone foundExcessive depositsDrawn ahead of work in placeOutstanding depositsNone found
Actionable insights
Focus on what matters
Capacity where it counts
Three things, tracked as they change
Grounded in how construction loans actually go wrong.
The score draws on signals experienced administrators already watch, like the three below.
A higher score doesn’t mean a project has failed. It means the loan deserves a closer look now.
Progress vs schedule
Behind schedule
Project activity
Quiet 3 weeks
Drawn vs work in place
DrawnWork in place
Drawn ahead
Risk score 72Elevated
Progress against the schedule
How the project is tracking for its stage of the loan. Falling behind late in the term weighs heavier; there's less runway to recover.
Project activity
Whether work is moving. The longer a project stalls, the faster its risk climbs.
Draws against work in place
Whether draws match the inspected work in place. Draws running ahead of inspected progress push the score up.
Questions lenders ask
What is risk scoring for construction loans?
A score on each construction loan that indicates the likelihood the project completes on time and within budget. In Land Gorilla, the score is calculated from the loan's own data as it changes and shown on the loan summary, with a dashboard that names what's driving it.
What does the risk score measure?
Three things experienced administrators already watch: progress against the schedule for the loan's stage, project activity and stalls, and draws against inspected work in place. Draws running ahead of progress or a project going quiet push the score up.
Does a high risk score mean the project has failed?
No. A higher score means the loan deserves a person's attention now. The dashboard shows the specific insights behind the number, like stalled progress or excessive deposits, so your team knows what to address.
Are liens part of the risk score?
No. The score measures whether a project is likely to finish on time and within budget, and liens don’t change that. New liens are tracked separately with Lien Monitoring, which alerts your team when one is recorded on a monitored property.
Start here
Ready to up your construction lending game?
Tell us about your program, and a construction lending specialist will show you how the platform fits the way you lend.