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MORTGAGE ANALYTICS IS IN OUR DNA

We combine over 100 years of expertise in property-centric data with advanced mortgage analytics to deliver end-to-end solutions that drive informed business decisions, create efficiencies, lower costs and fuel innovation.

Finding Qualified Borrowers

With the ability to instantly research properties, determine homeownership, verify valuations and gain fresh mortgage insights, lenders have the tools they need to identify borrowers who are most likely to transact within their portfolio, as well as, identify new, qualified prospects. Lenders can identify those who are:

  • Prime prospects for refinance
  • Most likely to purchase a new home
  • Candidates for a home equity or line of credit (HELOC)
Learn more about how to identify clients and prospects here

Lender Market Insights

First American MarketView delivers instant market insights on competitive positions, enhances strategic opportunities and helps lenders win new business. Whether it is competitive analysis, targeting business development, sales rep performance or recruitment, First American MarketView increases effective decision making.

Learn more about MarketView here
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BORROWER IDENTITY & VERIFICATION

Verifying fraud, identity, income and employment for every borrower on the loan application makes staying compliant for both the Dodd-Frank Act and Fannie Mae’s Loan Quality Initiative (LQI) income verification requirement easy.

First American helps you:

  • Uncover fraud and Early Payment Default (EPD)
  • Verify and validate 4506-C (Tax Transcript) and Social Security Numbers
  • Validate and uncover discrepancies for employment and income
  • Gain compliance with income verification requirements and regulations
  • Uncover previous application and loan discrepancies
  • Reduce lending risk and mitigate mortgage fraud losses
Access via Our Fraud Monitoring Solutions or integrate as an API.
Learn more about our fraud monitoring solutions here

Property Research and Review

First American DataTree® is your one-stop-source for property information and verification including:

  • Automated Valuation Models (AVMs)
  • Accurate property tax estimates
  • Liability Identification such as liens & judgments, Homeowners Association (HOA), FEMA disaster area, or other discrepancies
  • Debt-to-income ratios (DTI)
  • And more
Learn more about our extensive property data and reports here
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Compliance and Counter-Party Risk

Staying compliant and identifying risk at every step in the loan process is critical to ensuring you don’t run into issues at loan closing.

First American has a suite of compliance and counter-party risk solutions to help you:

  • Remain compliant with challenging new regulations
  • Eliminate common mistakes/discrepancies in the loan application
  • Reduce costs through streamlined review processes
  • Focus on core business objectives while mitigating risk
  • Inform critical decisions and align with the SAFE Act and other regulations
  • Run borrower information against industry and lender watchlists
  • Effectively manage counter-party risk (brokers, loan officers, appraisers, etc.) with due diligence reviews including license verifications, derogatory filings, industry watchlists, financial review, civil/criminal checks and more
Learn more about regulatory compliance and counter-party risk solutions here
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Post-Close

First American DataTree.com post-close solutions help lenders perform easy document retrievals, title and settlement services and ongoing portfolio monitoring.

Document Retrieval

Save time, boost productivity, streamline processes and increase profitability with DataTree’s Document Retrieval Services.

Some of the most requested missing documents at post-closing are:

  • Deeds of Trust
  • Assignments
  • Modifications
  • County Records
  • Judgments
Learn more about document retrieval services here
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Title and Settlement

First American is the leading provider of title and settlement solutions. Lenders can automate and streamline title production, settlement and closing services, for a truly convenient experience.

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Portfolio Monitoring

First American Data & Analytics enables lenders and servicers to manage their portfolios and continue to monitor them post-closing by proactively:

  • Uncovering new voluntary and involuntary liens
  • Alerting to new HOA liens, including in super lien states
  • Staying updated on properties in your portfolio listed for sale
Learn more about our extensive property data and reports here
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Property Value Validation

From AVM to Equity, leverage valuations to fit any mortgage scenario by ordering these reports:

  • Flood Determinations – Basic, Life-of-Loan, or Flex Certification 
  • Conventional Appraisals – FNMA Forms 1004 or 2055 
  • Property Ownership & Encumbrance Reports – Current and Previous Owner 
  • Alternative Valuations – BPOs or Property Assessment Collateral Evaluations (PACE) 
  • Market Analysis Condition (MAC) Report 
  • Appraisal Reviews
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