Property Solutions
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Mitigate Mortgage Lifecycle Risk with Property Solutions
Equifax offers a comprehensive suite of powerful, data-driven Property Solutions that can be tailored to address a range of unique needs across the mortgage and home equity lending lifecycle—from marketing and underwriting through account servicing and portfolio management.
Powered by automation, differentiated data from public and private data sources, and proprietary valuation techniques and methodologies, our Property Solutions deliver deeper insight into property condition and value for smarter prescreening, improved property valuation accuracy and speed, enhanced lending regulatory compliance, and proactive portfolio management and oversight.
Some lenders see a more than 20% improvement in their pull-through rate by combining public and private property data.
Property Condition Reports from Equifax typically returned in 24 - 48 hours.
Cost Effective Insights to Mitigate Mortgage Risk
From acquisition and underwriting through loss mitigation and portfolio management, our Property Solutions can help.
Marketing and Prescreening
Boost mortgage leads and sales by confidently identifying and engaging in-market prospects before competing lenders, while also using automation and unmatched data coverage to drive a stronger marketing ROI.
Acquisition, Origination, Underwriting and Closing
Mitigate risk and make faster, more confident lending decisions based on trusted property and collateral valuations that comply with regulatory guidelines.
Loan Servicing and Portfolio Management
Limit long-term losses, prevent delinquency, and prioritize default actions by accessing regularly updated views of active listing within current lending portfolios visibility.
Prescreen Smarter
Use property data to target specific markets by identifying homeowner occupancy, property values, equity, etc. along with non-FCRA financial insights.
Reduce Collateral Risk
Get more accurate insight into collateral value for greater confidence in mortgage and home equity acquisition strategies, underwriting, risk management, and loss mitigation decisions with a transparent, market-leading automated valuation model.
Best-in-Class Solutions via Advanced Data & Tech
Seamlessly integrate our Property Data & Analytics into your chosen platform, providing the flexibility to build a tailored solution that meets your unique business needs and strategic goals.
- Active Listing Scan closely monitors residential addresses for changes in MLS listing status, alerting lenders to properties that have recently been listed for sale or under contract. Lenders can reach in-market consumers before competitors by identifying those who have listed or are selling their current home and are in-market for a new one.
- AVM Insight uses non-traditional data and multiple valuation methods to produce a data-driven model providing transparency and traceability into how a specific property value was derived. Lenders can easily understand the risk or opportunity of a given asset.
- Collateral Value Connector is a strategic optimization tool that cascades multiple AVMs to pinpoint the most accurate property value while balancing coverage and cost. To ensure peak performance, our cascade flow is independently calibrated and assessed by Solidifi. This third-party validation utilizes exhaustive testing criteria to determine the optimal AVM selection for every subject property, ensuring a streamlined, compliant workflow that meets both client requirements and federal regulatory guidelines.
- Property Condition Report provides visual verification of a property's physical state to complement digital valuation data. It's a cost-effective alternative to broker price opinions (BPOs) and appraisals often used by lenders to manage risk while maintaining compliance with federal regulatory guidelines.
- Pre-Mover Marketing Leads help identify high-propensity movers before they even hit the market. This helps lenders reach quality prospects ahead of competitors.
- New-Mover/New Homeowner Marketing Leads help lenders reach homeowners at the most lucrative moment in the consumer lifecycle.
- Area Recent Sales Report displays data on up to twenty (20) properties that recently sold in and around a subject property’s neighborhood.
- Property Insights API (Equifax API Portal) enables a comprehensive view of a property with AVM data, lien data, market data, and property data.
Work Smarter: Property Solutions for Mortgage Success
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Turn Data into Decisions and Borrowers into Homeowners
Discover how our data-driven mortgage solutions support lenders, servicers, resellers, and borrowers throughout the mortgage lifecycle.