A new prepayment model that goes beyond loan-level or pool data to examine household behavior is in the works by the same company that created the original scoring standard for the industry, Fair, Isaac and Company, Inc. The new scores, which the promoters are calling the FICO score for prepayment speed, will be available through a joint venture called OptiFI, backed by Marketswitch, a creator of mathematical optimization technologies and Fair, Isaac. The venture will