As the mortgage loan industry adopts new technologies and automated workflows, relevant data plays a critical role in lowering costs, shortening processing times and creating great customer experiences. LexisNexis® Risk Solutions real estate tools combine proven identity, property and business intelligence with advanced analytics and intuitive technologies such as machine learning and Artificial Intelligence (AI) to deliver a synthesized view of an existing or prospective customer – at any point in the mortgage loan lifecycle. This enhanced view into consumers and their transactions provides the crucial ingredients that enable your company to quickly verify key components of a mortgage lending transaction so that you can mitigate mortgage fraud and compliance risk.
We connect you to the industry’s gold standard for investigative intelligence, proprietary advanced linking and analytic capabilities that provide the most complete view of consumers, businesses and properties – so you can deliver an exceptional mortgage loan application experience. Our robust investigation and validation tools enable real estate businesses to automate key workflows, facilitate seamless digital mortgages, reduce costs and manage mortgage fraud risk across the complete transaction:
Instantly define transaction risk and defend against exposure to mortgage fraud
Our integrated identity and FCRA-compliant mortgage lending decisioning tools help real estate businesses precisely determine the risks around the people, businesses and properties involved in real estate transactions. Proactively uncover loan application misrepresentations and data inconsistencies at the front of the lending cycle – before a bad loan impacts the profitability of your portfolio or puts your real estate business in the cross-hairs of industry regulators. Our tools also deliver robust and relevant risk insights to simplify real estate due diligence and amplify visibility into details requiring additional investigation:
Elevate the digital mortgage experience with expansive risk intelligence
Our real estate solutions help your business provide a seamless, more streamlined digital mortgage experience with minimal friction. By instantly connecting you to the applicant’s identity elements, asset and property data, we enable your business to significantly reduce digital mortgage application complexities and confidently keep digital mortgages on track — anytime, anywhere and from any device.
Our mortgage decisioning tools deliver the insight and intelligence that enable you to authenticate your applicant upfront, access the customer intelligence you need to stay compliant and accelerate the digital mortgage process. By seamlessly combining market-leading identity and verification solutions and relevant consumer data with the ThreatMetrix® Digital Identity Network® we deliver a 360-degree view into a transaction that helps drive confident decisions and minimize mortgage fraud risk. Our real estate tools deliver current, critical and curated data that seamlessly integrate into your digital mortgage experience:
We facilitate a faster, more secure digital mortgage workflow by enabling your business to quickly complete real estate due diligence, make well-informed decisions and achieve a customer experience that exceeds mortgage applicant expectations.
Minimize mortgage loan disruptions with deeper liens and judgments intelligence
Early access to full perspective into a loan applicant’s complete credit profile, including information on tax liens and civil judgments, is essential to help minimize unexpected roadblocks and delays that add costs and inefficiencies into the mortgage lending process. Derogatory information can quickly highlight a loan applicant’s diminished creditworthiness and help alert mortgage lenders to carefully investigate additional credit risk that may be associated with the applicant. The presence of a lien and/or judgment in a consumer profile significantly complicates an applicant’s ability to secure a loan and may jeopardize the intended primary lien status of the pending mortgage. Typically, before issuing a loan, lenders and title insurers require an applicant to resolve the open lien or judgment by either paying it off or committing to a structured payment plan. Mortgage loan interest rates are also negatively impacted by the presence of liens or judgments information. To protect against unnecessary risk and make profitable real estate lending decisions, mortgage lenders need access to liens and judgments information early in the mortgage lending cycle.
Liens and judgments information is critical, and commonly utilized, risk decisioning intelligence that helps lenders assess creditworthiness, manage risk and determine interest rates. LexisNexis® Risk Solutions is uniquely positioned to offer FCRA-ready liens and judgments information and connect that data to specific consumers to help mortgage lenders minimize disruptions and make confident real estate lending decisions. By combining the industry’s largest collection of public records and alternative data sources with our powerful linking technology, we provide mortgage lenders with broader perspective into a consumer’s creditworthiness to support stronger risk-based decisioning. Access the advantage of lien and judgment records sourced from all 50 states and 89 percent of all counties, parishes and boroughs. Pairing this industry-leading level of data coverage with proven analytics and LexID®, our proprietary advanced linking technology, enables us to quickly match disparate data sets and compile FCRA-ready liens and judgments intelligence to support specific risk decisioning requirements across the real estate lending lifecycle.
Improve the precision of mortgage lending decisions and reduce mortgage fraud risk
Our real estate solutions consolidate the vast scope of data that needs to be collected and verified during the mortgage loan process. This information is delivered in structured, curated and consumable segments so your real estate business can confidently and quickly ascertain potential risks within a mortgage lending transaction and avoid mortgage fraud. Trust the industry’s gold standard for intelligence on consumers, businesses and properties to access a 360-degree view of risk across the mortgage transaction and the entire mortgage lending lifecycle:
Our solutions deliver the deepest, most current view of risk across a mortgage lending transaction so your business can make efficient and profitable real estate lending decisions, reduce mortgage fraud and prioritize a seamless mortgage customer experience.
Expedite decisions with access to expansive valuation insightsLearn More
Conduct mortgage due diligence and research from one locationLearn More
Reduce risk with access to industry-contributed reports of contributor-verified misrepresentation and/or fraudLearn More
Identify undisclosed relationships between individuals and businessesLearn More
Retain your competitive edge without the added expense of recalibrating your modelsLearn More
Protect your portfolio while preserving profitabilityLearn More