MIAC Analytics vs LiquidFi

What the rubric says

MIAC Analytics and LiquidFi are both scored in Secondary & Capital Markets. MIAC Analytics carries an overall of 3, LiquidFi an overall of 2. The widest gap between them is Functionality and depth, at 1.3 of a point. That axis measures whether it handles the messy loans and not just the clean file. MIAC Analytics takes it, 3.6 to 2.3.

Where the five axes separate

On Functionality and depth the record favours MIAC Analytics, 3.6 against 2.3. On Return on spend the record favours MIAC Analytics, 2.8 against 1.8. On Production impact the record favours MIAC Analytics, 3 against 2.1. On Adoption and support the record favours MIAC Analytics, 2.5 against 1.8. On Integrations and ecosystem the record favours MIAC Analytics, 2.3 against 1.6.

Names, because the URL and the brand differ

LiquidFi was formerly Liquid Mortgage.

Pricing posture

MIAC Analytics does not publish pricing. Its listed model is quote only; software licences and advisory engagements priced separately. LiquidFi does not publish pricing. Its listed model is quote only, nothing published.

Deployment and who each one targets

Deployment for MIAC Analytics: Licensed software and hosted analytics, with advisory and brokerage services alongside. Deployment for LiquidFi: Cloud, blockchain-backed loan record with full API access. Segment focus for MIAC Analytics: Servicers and investors valuing MSRs and whole loans, plus lenders wanting hedge advisory. Segment focus for LiquidFi: Securitization sponsors and warehouse lenders rather than origination desks. The two entries name different buyers.

What each record credits

MIAC Analytics: Independent since 1989, established enough on valuation and brokerage for ASC 820 work. MIAC Analytics: CORE models cover prepayment, credit frequency, loss severity and term structure. MIAC Analytics: MarketShield unites hedging analytics, loan-level pricing, spec pool valuation and execution oversight. LiquidFi: Reports $24.3 billion unpaid principal balance across 57,621 platform loans. LiquidFi: Covers residential, commercial, single-family rental and alternative assets, not residential only. LiquidFi: Full API access means data gets pulled, not only viewed.

What each record holds against them

MIAC Analytics: No integrations named at all, so feeding position and pipeline data is on you. MIAC Analytics: No ownership or investor disclosure published. MIAC Analytics: Over 25 products with thin public documentation, so scope stays unclear before sales calls. LiquidFi: No ownership, investor, funding or leadership information published anywhere. LiquidFi: Not one integration named: no LOS, servicing system, eVault or custodian. LiquidFi: No named clients or case studies, so reported balances cannot be checked.

Which one fits which shop

Best fit for MIAC Analytics: A servicer that needs an independent ASC 820 valuation and the models behind it. Best fit for LiquidFi: An issuer whose investors keep asking for loan-level data faster than servicing can produce it.

What each entry concludes

MIAC Analytics: MIAC has done mortgage valuation and analytics since 1989, split about evenly between software and services. MIAC Analytics: MarketShield covers pipeline hedging analytics, loan-level pricing, spec pool valuation and execution oversight. LiquidFi: LiquidFi, formerly Liquid Mortgage, keeps a verifiable record of loan data, documents, payments and ownership in one place. LiquidFi: The parties who normally reconcile that information across four systems read it there instead.

The short answer

MIAC Analytics finishes ahead on the published rubric, 3 to 2. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.