1. A computer system for determining a probability of loss for a loan comprising: a computer in communication with a database storing data for the loan, the computer configured to: assign a base probability of loss factor to the loan, the base probability of loss factor for a loan with base characteristics including a loan to value ratio of between 75 and 80, a loan for a primary residence, a prime credit loan, and a loan not associated with a bankruptcy proceeding; search the database to obtain at least one characteristic of the loan different from the base characteristics; based on the at least one characteristic of the loan different from the base characteristics, obtain at least one loss probability factor associated with the loan, wherein the at least one loss probability factor accounts for the at least one characteristic of the loan; and sum the at least one loss probability factor with the base probability of loss factor, wherein the summation yields the probability of loss for the loan.