> ## Documentation Index > Fetch the complete documentation index at: https://docs.amlok.io/llms.txt > Use this file to discover all available pages before exploring further. # Industry benchmarks > Financial-risk reference measures and AMLOK evaluation methods by lending product and institution type. Use this collection to select financial-risk benchmarks and evaluate AMLOK for a specific industry. Consumer Lending and Business Lending define product-level cohorts. Financial Institutions and Fintech describe institution and distribution contexts. Insurtech covers trade credit, surety and premium finance. A loan can belong to several contexts; count it once in a consolidated portfolio. Each page separates published market evidence from AMLOK evaluation methods. A market delinquency rate is not a model accuracy score. The [measured results](https://docs.amlok.io/research/public-results.md) page contains completed AMLOK research measurements; these industry pages do not add unexecuted model results. ## Explore by industry | Industry | Segments | Primary assessment | | - | - | - | | Consumer Lending | [Personal](https://docs.amlok.io/research/industries/consumer/personal.md), [auto](https://docs.amlok.io/research/industries/consumer/auto.md), [mortgage](https://docs.amlok.io/research/industries/consumer/mortgage.md), [student](https://docs.amlok.io/research/industries/consumer/student.md), [rent](https://docs.amlok.io/research/industries/consumer/rent.md) | Affordability, payment performance and changes in household obligations. | | Business Lending | [SMB](https://docs.amlok.io/research/industries/business/smb.md), [commercial](https://docs.amlok.io/research/industries/business/commercial.md), [business financing](https://docs.amlok.io/research/industries/business/business-financing.md), [MCA](https://docs.amlok.io/research/industries/business/mca.md), [working capital](https://docs.amlok.io/research/industries/business/working-capital.md) | Reconciled cash flow, repayment structure, leverage and liquidity. | | Financial Institutions | [Banks](https://docs.amlok.io/research/industries/institutions/banks.md), [credit unions](https://docs.amlok.io/research/industries/institutions/credit-unions.md), [alternative lenders](https://docs.amlok.io/research/industries/institutions/alternative-lenders.md) | Portfolio composition, credit performance and operational validation. | | Fintech | [Digital lenders](https://docs.amlok.io/research/industries/fintech/digital-lenders.md), [embedded finance](https://docs.amlok.io/research/industries/fintech/embedded-finance.md), [platforms](https://docs.amlok.io/research/industries/fintech/platforms.md) | Distribution effects, evidence completeness and financial-event reconciliation. | | Insurtech | [Trade credit](https://docs.amlok.io/research/industries/insurtech/trade-credit.md), [surety](https://docs.amlok.io/research/industries/insurtech/surety.md), [premium finance](https://docs.amlok.io/research/industries/insurtech/premium-finance.md) | Counterparty, performance and financed-premium exposure. | ## Dated public reference points These observations are contextual anchors, not approval thresholds or predictions for an AMLOK customer. Preserve each source's denominator and reporting period. | Segment | Published observation | Population and interpretation | | - | - | - | | Canadian mortgages | 0.24% delinquency in Q4 2025 | CMHC's reported national mortgage delinquency measure for loans at least 90 days past due. See the [CMHC release](https://www.cmhc-schl.gc.ca/media-newsroom/news-releases/2026/renewal-wave-peaks-still-dominates-mortgage-market). | | Canadian student loans | 8% three-year default rate for the 2021-2022 repayment cohort | Value-weighted federal student-loan measure; default follows more than 270 days of arrears. See the [Canada Student Financial Assistance annual report](https://www.canada.ca/content/dam/esdc-edsc/documents/programs/canada-student-loans-grants/reports/csfa-annual-2023-2024/5447-2023-24-CSFA-Program-Annual-Report-EN.pdf). | | Canadian small-business financing | 49% of surveyed debt-financing borrowers intended to use it for working or operating capital in 2024 | Financing-purpose context, not a default or loss rate. See [ISED's 2014-2024 credit-condition trends](https://www.ised-isde.canada.ca/site/sme-research-statistics/en/small-business-credit-condition-trends-2014-2024). | These examples retain their original dates. They are not presented as the latest available release. Refresh a benchmark from its source before using it in a current portfolio comparison. ## Benchmark contract Record these fields with every numerical comparison: | Field | Required information | | - | - | | Population | Geography, product, borrower type, origination vintage, selection criteria and exclusions. | | Observation unit | Borrower, account, facility, invoice, policy, bond or exposure amount. | | Outcome | Exact event, past-due threshold, measurement horizon and cure treatment. | | Denominator | Eligible accounts, borrowers, principal, exposure, insured sales or earned premium. | | Time | Decision cutoff, observation window, outcome maturity and publication date. | | Evidence | Source URL, table or field identifier, extraction date, transformation and known gaps. | | Uncertainty | Sample size, confidence interval, missingness and censoring. | Do not compare a borrower-level 60-day arrears rate with an account-level 90-day rate. Do not infer a loan's default probability from an approval rate, rental vacancy rate or aggregate banking return. ## AMLOK evaluation design For Insights, freeze the evidence available at the underwriting cutoff. For Signal, evaluate new information against the previously available baseline and measure the timing and usefulness of a change signal. A later repayment outcome must not enter the input snapshot. Compare the same eligible cohort, evidence and decision date across a tabular baseline, the AMLOK system under evaluation and any eligible frontier-model comparator. Keep borrowers and related entities out of both training and evaluation sets. Report classification, calibration, evidence quality, abstention, latency and cost separately. See the [evaluation protocol](https://docs.amlok.io/research/evaluation.md), [frontier comparison](https://docs.amlok.io/research/frontier-benchmark.md) and [document benchmarks](https://docs.amlok.io/research/document-benchmarks.md). Institutions define lending and intervention policies. These research pages introduce no servicing workflow, automatic credit decision, new paid product or public API endpoint. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.