EV Lending Risk Monitor
EV market intelligence for dealer conversations — which EVs are safe to lend on, which to avoid, and why
Purpose
EV residual values have been one of the most volatile metrics in automotive finance over the past three years — some models lost 30%+ of their value in 12 months while others held remarkably steady. Dealers are asking lenders whether EV lending programs are safe, and without current data, the answer is either reflexively conservative or dangerously uninformed.
EV Lending Risk Monitor gives lender sales reps the data to have this conversation with confidence: EV penetration trends in their market, EV vs ICE price gap by segment, depreciation rates per EV model (with SAFE / STANDARD TERMS / AVOID recommendations), and EV supply health. The output is framed as dealer talking points — enabling reps to position their programs as informed, data-backed solutions rather than one-size-fits-all offers.
How It Works
Execution flow. MCP tool calls are shown inline on each step.
get_sold_summaryCalls get_sold_summary with fuel_type_category=EV and without filter for current month to calculate EV penetration % vs total market. Compares to prior month for trend direction.
get_sold_summaryCalls get_sold_summary for SUV and Sedan body types with fuel_type_category=EV and without filter to calculate EV premium = (EV_avg - all_avg) / all_avg × 100 per segment.
↔ Parallel Execution
get_sold_summaryCalls get_sold_summary with fuel_type_category=EV ranked by make,model for average_sale_price, current period.
get_sold_summarySame call for 3 months ago. Calculates monthly depreciation rate per EV model. Classifies: SAFE (<1%/mo), STANDARD TERMS (1–2%/mo), AVOID (>2%/mo).
search_active_carsCalls search_active_cars with fuel_type=Electric, car_type=used to get total active EV supply, median price, and avg DOM. Calculates EV days supply.
MCP Tool Calls
| Tool | Calls | Purpose |
|---|---|---|
get_sold_summary | 4–6 | Penetration rates, EV-ICE pricing by segment, EV depreciation by model (current and prior periods) |
search_active_cars | 1 | EV active supply health metrics |
Example Output
EV LENDING RISK MONITOR — Texas | February 2026 ════════════════════════════════════════════════ EV MARKET SCORECARD EV Penetration (TX): 6.8% (+38 bps MoM) GROWING Total EV Sold (Feb): 11,247 units EV Active Supply: 8,842 units / 24 days supply — TIGHT EV vs ICE PRICING GAP (Used, Texas) Segment EV Avg ICE Avg Premium $ Premium % ──────── ───────── ───────── ────────── ───────── SUV $43,800 $35,200 $8,600 +24.4% Sedan $38,200 $28,700 $9,500 +33.1% EV MODEL RESIDUAL STRENGTH (3-Month Depreciation Rate) Make/Model 3-Mo Rate Classification Recommendation ───────────────────────── ───────── ──────────────── ────────────────────── Tesla Model Y -0.6%/mo SAFE ✓ Standard advance rates Toyota RAV4 Prime -0.7%/mo SAFE ✓ Standard advance rates Ford F-150 Lightning -0.9%/mo SAFE ✓ Standard advance rates Hyundai Ioniq 6 -1.4%/mo STANDARD TERMS Max 110% LTV Kia EV6 -1.6%/mo STANDARD TERMS Max 110% LTV Rivian R1T -2.1%/mo AVOID ⚠ Tighter terms / avoid Chevrolet Bolt EUV -2.8%/mo AVOID ⚠ Do not lend Nissan Leaf (2020-) -3.1%/mo AVOID ⚠ Do not lend DEALER TALKING POINTS → "EV is 6.8% of Texas used sales and growing — our programs cover Tesla, Ford, Toyota EVs" → "Avoid stocking Bolt or Leaf — they're losing $500+/month in value" → "Tesla Model Y and F-150 Lightning have the strongest residuals — promote those" → "EV days supply is 24 days — tight market means pricing power"
Cost Estimate
20 EV market updates/month ≈ $1–2
Limitations
- US market only.
- EV model depreciation rankings require 50+ sold units per period — niche EV models may lack data.
- Depreciation classification (SAFE/STANDARD/AVOID) is based on trailing 3-month rate, which may not capture sudden value shifts in volatile segments.
- AVOID classification indicates higher-risk lending — dealers should be advised, not automatically declined.
More in the Lender Sales Plugin
Same Capability, Different Plugin
These skills share the same underlying methodology but are tuned for a different audience.