Elliott Bay Analytics (EBA) provides best-in-class mortgage analytics, consulting, and advisory services to a wide variety of stakeholders in mortgage finance—originator/servicers; portfolio lenders; investors and money managers; regulators; and management advisory firms in need of mortgage analytics specialists. EBA was created in 2009 by two mortgage professionals with a combined 40 years of industry experience in modeling, valuation, and risk management at some of the largest investment banks, originators/servicers and GSE’s. Our areas of expertise include modeling of prepayments, credit, and mortgage rates as well as all facets of mortgage asset valuation and risk management.