Consumer Banking Solutions

Delivering the Right Information When and How You Need It

We're changing how banks evaluate lending decisions through a revolutionary information-based approach that combines historic transactions, property information and market behavior. Of course, none of this would be possible without the nation's largest property and home ownership database, which includes:

• 99.9% of all parcels
• 147 million properties
• 3,109 counties
• 85% of U.S. home loans
• $6.8 trillion in mortgage balances

We channel this information into powerful analytic solutions that can alleviate long-standing worries, streamline your operations and give you an advantage over your competition. At the 2011 CBA Live Show, we're bringing an exclusive look at our solutions for some of today's most pressing issues:

• Undisclosed Application Information
  What you don't know can indeed hurt you. Dig deep into our proprietary and public records information to help find hidden information about borrowers and properties that could seriously impact your lending decisions.
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• Verification Services
  Before funding or submitting loans to GSEs, it's important to validate stated information. Our solutions and data can help you do precisely that.
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• Valuation Services
  Market uncertainty, distressed properties and rising costs necessitate a smarter approach to home valuation. We have a variety of tools designed to suit every situation and budget, from automated valuation models (AVMs) to on-site inspections and hybrid solutions.
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• Escrow Services
  Streamline transactions and mitigate risk with accurate flood and property tax data.
  Read More

Undisclosed Application Information

What you don’t know can indeed hurt you. Dig deep into our proprietary and public records information to help find hidden information about borrowers and properties that could seriously impact your lending decisions.

• OwnerConnect™ – Access a comprehensive view of a consumer's ownership profile through the new OwnerConnect™ report now available through CoreLogic^® RealQuest^® Professional. OwnerConnect is a quick, effective way to obtain a complete picture of what properties a consumer owns currently or has ever owned.

Verification Services

Before funding or submitting loans to GSEs, it’s important to validate stated information. Our solutions and data can help you do precisely that.

• Income Advisor™ – IncomeAdvisor™ helps detect income fraud early in the origination process, with actionable alerts, and provides an income estimate with confidence levels. IncomeAdvisor uses advanced analytic models to instantly evaluate the reasonableness of a borrower’s claimed income for better decisioning and enhanced profitability.
• Credco VOE- Service – Our team of specialists personally researches each applicant to verify employment history, such as current and previous employment, full or part-time status and length of employment. Use it at any stage of the lending process.
• 4506-T Direct – Our 4506-T Direct service provides a simple, reliable way to validate applicant information, delivering results on average in 24 hours or less. The result is an easy-to-read report with an actual IRS transcript that includes all schedules.
• Flood – CoreLogic flood solutions predict flood risk and identify flood locations with high accuracy and precision. Our flood-related capabilities include geospatial analysis, flood risk scoring, flood catastrophe modeling, flood zone determination, FEMA mapping and more.
• FinalCheck – Avoid loan buy-backs with three powerful LQI-compliant prefunding solutions: CreditCheck, AppCheck, and FraudCheck. Instantly identity new credit tradelines, discover undisclosed loans, and screen against exclusionary lists just before you submit your loans to the GSE’s.

Valuation Services

Market uncertainty, distressed properties and rising costs necessitate a smarter approach to home valuation. We have a variety of tools designed to suit every situation and budget, from automated valuation models (AVMs) to on-site inspections and hybrid solutions.

• GeoAVM™ Core Plus – Cost effective and offering high accuracy and fulfillment rates, GeoAVM Core Plus expands and deepens coverage by incorporating HVE from Freddie Mac. As with all AVMs included in the GeoAVM Core option, HVE undergoes our nightly blind-testing process separately and as part of the cascade.
• Automated Valuation Models (AVMs) – Our collective suite of AVMs offers the greatest nationwide geographic coverage, fulfillment rate and accuracy in the industry. Access to the top AVM providers is available from a single platform. Benefit from the most reliable best-in-class technology that is coupled with the most choices.
• NEW! Onsite™ – Launching at CBA Live 2011, Onsite is a new tool that combines an AVM valuation and on-site visit into a quick, comprehensive property valuation.
• LoanSafe^® Collateral Manager – The next generation in our evolutionary chain of proven collateral risk management products, combining our extensive data with years of experience in econometric modeling to deliver a more powerful collateral risk management tool.

Escrow Services

Streamline transactions and mitigate risk with accurate flood and property tax data.

• Flood Determinations - Whether you're processing a first position loan or a second refinance, our complete line of origination products keeps the process moving smoothly. Our flood determination services help you maintain compliance with federal regulations while mitigating your flood risk.
• Property Tax Reporting - Our individually tailored solutions allow you to design the tax service package that fits your business needs precisely. Take advantage of one, several or all of our customizable products and services to create a solution that’s right for you.
• Property Tax Outsourcing - Our Real Estate Tax Services group is a leader in providing real property tax services and information nationwide. We service more than 29 million loans for 22 of the top 25 servicers, and we are dedicated to meeting the specialized prime, non-prime and sub-servicing needs of the mortgage lending community.
• Tax Data Products - Prepare Good Faith Estimates (GFEs) and HUD-1 Settlement Statements quickly and accurately using real-time real estate tax information from InstantData^®. After close, monitor collateral loss risk resulting from delinquent taxes and/or tax sales with TaxWatch.
• Natural Hazard Reports - Proactivey manage portfolio risk with comprehensive reports utilizing our highly accurate and current property data, location-based data and analytical applications