Mortgage scoring systems that do more than just measure a person's creditworthiness are fast becoming a banking industry requirement. And PMI Mortgage Insurance Co. (PMI) has carved out a significant portion of the market for such systems with its pmiAURA Score, which now scores about 20 percent of the first lien mortgages in the United States.

Its appeal continues to grow. Recently, two industry leaders agreed to use the pmiAURA Score system for loan purchase and pricing decisions. General Motors Corp.'s residential funding subsidiary, GMAC-RFC, a leader in the mortgage-backed securities and housing finance industries, will integrate its own automated underwriting system with DecisionWise, the Windows-based platform for pmiAURA. And First Union Capital Markets Group now is using pmiAURA in its loan purchase program.

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