The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive a plurality of first scores associated with borrower users and a dealer user based at least in part upon output of the first ML model. The system may receive a request from a lender user device for a second score, where the dealer user and the lender user device are associated according to a correlative score. The plurality of applications and the correlative score may be used as input to the second ML model that quantifies the risk of the dealer user specifically to the lender user, based on attributes associated with the application data, dealer user, and/or lender user. Output from the second ML model may be provided to the lender user device.