Property Data Solutions for Modern Mortgage Companies
Support loan origination, underwriting, and servicing with accurate property data, valuations, and market intelligence. Built for mortgage technology platforms that need reliable, compliant data infrastructure.
Property Data Infrastructure
for Mortgage Operations
Property Characteristics & Structure Details for Loan Decisioning
Access detailed property attributes that directly impact loan approval and terms: square footage for LTV calculations, bedroom/bathroom counts for property type classification, year built and construction type for risk assessment, lot size for land value allocation, and structure details for replacement cost estimates.
Property Tax Data for Escrow
Calculations
Retrieve current property tax amounts and assessed values to calculate accurate escrow requirements. Access tax history to identify trends, assessment dates for timing verification, and historical tax data that impacts monthly payment calculations and closing estimates.
Owner & Occupancy Data for Title
Verification
Confirm current ownership information against loan applications using owner names and occupancy status. Access ownership duration for seasoning requirements, vesting information for title insurance, and ownership history to identify potential title issues or transfer complications.
Sales & Transfer History for Valuation
Support
Pull complete sales and transfer records including previous sale dates and amounts for flip analysis, holding period calculations, transfer types to identify distressed sales, and price trends to support current valuation estimates and automated valuation models (AVMs).
Mortgage & Estimated Equity Data for Refinance Analysis
Evaluate existing mortgage information and estimated equity positions for refinance opportunities. Access mortgage history, estimated balances, and equity calculations to support loan-to-value determinations and refinance eligibility screening.
Foreclosure Data for Risk
Assessment
Identify properties with foreclosure history or current foreclosure status to assess collateral risk. Review foreclosure records, auction dates, and resolution information for underwriting decisions and portfolio monitoring.
Property Characteristics & Structure Details for Loan Decisioning
Access detailed property attributes that directly impact loan approval and terms: square footage for LTV calculations, bedroom/bathroom counts for property type classification, year built and construction type for risk assessment, lot size for land value allocation, and structure details for replacement cost estimates.
Property Tax Data for Escrow
Calculations
Retrieve current property tax amounts and assessed values to calculate accurate escrow requirements. Access tax history to identify trends, assessment dates for timing verification, and historical tax data that impacts monthly payment calculations and closing estimates.
Owner & Occupancy Data for Title Verification
Confirm current ownership information against loan applications using owner names and occupancy status. Access ownership duration for seasoning requirements, vesting information for title insurance, and ownership history to identify potential title issues or transfer complications.
Sales & Transfer History for Valuation
Support
Pull complete sales and transfer records including previous sale dates and amounts for flip analysis, holding period calculations, transfer types to identify distressed sales, and price trends to support current valuation estimates and automated valuation models (AVMs).
Mortgage & Estimated Equity Data for Refinance Analysis
Evaluate existing mortgage information and estimated equity positions for refinance opportunities. Access mortgage history, estimated balances, and equity calculations to support loan-to-value determinations and refinance eligibility screening.
Foreclosure Data for Risk
Assessment
Identify properties with foreclosure history or current foreclosure status to assess collateral risk. Review foreclosure records, auction dates, and resolution information for underwriting decisions and portfolio monitoring.
How Mortgage Companies Use Data Labs
1/5
Loan Origination Support Data
- Property addresses and geocodes for application processing
- Property characteristics and structure details for loan evaluation
- Tax assessment data for escrow calculations
- Ownership information for verification
- AVM estimates for initial valuation screening
2/5
Underwriting & Risk Assessment Data
- Complete property characteristics for collateral evaluation
- Sales & transfer history for valuation verification
- Market value estimates and AVMs
- Foreclosure history for risk assessment
- Tax assessment trends for stability analysis
3/5
Data for Automated Valuation Models
- Property characteristics for subject property evaluation
- Sales & transfer history for comparable analysis
- Tax assessed values for validation
- Market statistics and trends
- Historical data for model training
4/5
Appraisal Support Data
- Detailed property characteristics and structure details
- Sales & transfer history for comparables
- Tax assessment and market value data
- Property boundaries and parcel information
- Neighborhood and location data
5/5
Portfolio Servicing & Monitoring Data
- Property value estimates and AVMs for portfolio valuation
- Market trends for risk monitoring
- Ownership and occupancy updates
- Tax assessment changes
- Foreclosure status tracking
Property Data for Mortgage Operations
Key Use Cases
Property Characteristics
- Property type and structure details
- Square footage and lot size
- Bedrooms, bathrooms, and rooms
- Year built and construction type
- Garage, parking, and amenities
- Building improvements and additions
- Normalized across all sources
Ownership & Title
- Current owner information
- Ownership history and duration
- Transfer dates and amounts
- Recording information
- Multiple owner identification
- Corporate ownership details
Tax Assessment Data
- Current assessed value
- Land and improvement values
- Annual tax amounts
- Tax history and trends
- Assessment dates and methods
- Special assessments and exemptions
Sales History
- Recent sale transactions
- Sale dates and amounts
- Transaction types
- Recording information
- Price trends over time
- Comparable sales in area
Market Data
- Neighborhood statistics
- Recent sales comparables
- Market trends and velocity
- Price per square foot
- Days on market averages
- List - to - sale price ratios
Mortgage & Foreclosure Data
- Mortgage information
- Estimated equity
- Lien information
- Foreclosure status and history
- Auction dates and outcomes
Geographic Data
- Precise geocodes
- Property boundaries
- Parcel information
- School district boundaries
- Neighborhood boundaries
Property Details
- Detailed property characteristics
- Building specifications and amenities
- Land area and zoning information
- Construction type and quality
- Unit mix and floor plans
- Property condition indicators
- Normalized across all sources
Ownership & Transaction Data
- Current and historical ownership
- Transfer history and amounts
- Transaction types and terms
- Buyer and seller information
- Holding periods
- Portfolio transaction patterns
Financial Data
- Tax assessed values and history
- Annual tax amounts and rates
- Assessment methodologies
- NOI indicators (where available)
- Operating expense data
- Special assessments
Market Valuation Data
- AVM / Estimated values
- Value ranges and confidence scores
- Recent sales comparables
- Price per unit/per square foot
- Market value trends
- Cap rate indicators (derived from data)
Market Transaction Data
- Sales & transfer history
- Transaction dates and amounts
- Sale types (arms-length, foreclosure, etc.)
- Recording information
- Transaction volumes by area
- Market velocity indicators
Mortgage & Foreclosure Data
- Mortgage information
- Estimated equity positions
- Lien data
- Foreclosure status and history
- Auction dates and outcomes
- Distressed property indicators
Geographic & Boundary Data
- Parcel boundaries
- Neighborhood boundaries
- School district boundaries
- Administrative boundaries
- Census tract information
- Geographic coordinates
Why Mortgage Companies Choose Data Labs
Faster Loan Processing
Automated property data retrieval reduces time spent on manual property research, accelerating loan processing timelines.
Reduced
Operating Costs
Organizations typically see 30 – 40% reduction in data costs based on customer feedback. Eliminating manual property research reduces operational expenses.
Improved Accuracy
Comprehensive property data reduces errors in loan applications and underwriting decisions, improving quality and reducing risk.
Better Risk Assessment
Access to comprehensive property and market data improves underwriting accuracy and portfolio risk management.
Implement Property Data in Your Mortgage Platform
Data Coverage Verification
Verify data availability and quality for your target markets and loan products.
Technical Integration
Implement API integration or connect to your LOS platform with support from our technical team.
Testing & Validation
Test data accuracy, integration performance, and compliance requirements in sandbox environment.
Production Deployment
Launch with full data access and ongoing technical support.
