One loan may experience more than one default episode during a fiscal year. In the case of a transfer of servicing during a default episode, both the transferor and the transferee would receive credit for servicing the default episode. The dollar figures for claims and properties represent FHA cash inflows and outflows during the fiscal year. The AP ratio component of the lender performance score is calculated in the same way as the default rate component, as the above table shows. In this example, ABC's overall national AP score is 0.8932.
Standardized scores have a mean of zero and a standard deviation of one.
They report how many standard deviations a score is above or below the mean. Finally, each servicer's scores are weighted and summed. Its standardized default score is multiplied by 25 percent and its standardized AP score is multiplied by 75 percent and the numbers are summed to calculate the weighted final score. This score is below the national average for all servicers. This score is below the national mean for all servicers.