In mortgage lending, few decisions feel as harmless as choosing a “cheap” title update. The logic seems sound: if the loan is already in process, the property was recently reviewed, and the update is just a quick check, why pay more than necessary? At low volume, that assumption can appear correct. At scale, it becomes […]
In today’s mortgage lending environment, speed and automation dominate nearly every stage of the loan lifecycle. Loan Origination Systems (LOS) are built to ingest data from dozens of upstream sources—credit, income, assets, property, and title—and move loans forward with minimal friction. But embedded in this efficiency is a growing and often misunderstood risk: poor data […]
If you’ve ever ordered two title work reports in the same state—sometimes even the same week—and received them at dramatically different speeds, you’re not imagining things. Title turn times can vary widely, and the reasons go far beyond staffing levels or seasonal volume. For lenders, servicers, investors, and legal teams, understanding why this happens is […]
In modern mortgage lending, data normalization is taken for granted. Credit reports arrive neatly standardized. Income and employment data flows through well-defined schemas. Underwriters, auditors, and regulators all expect consistency, predictability, and machine-readable structure. Title data is different. Despite advances in AI, APIs, and automation, normalizing title data remains one of the hardest unsolved problems […]
Automated title systems and property data platforms have reshaped how lenders think about speed and scale. With instant reports, AI-powered workflows, and nationwide datasets, many database-only providers claim they have solved the title research problem. For high-volume screening and early-stage review, these tools can be useful. One emerging solution that has gained traction is Title […]
Uniform Closing Dataset (UCD) submission has become one of the most scrutinized stages of the mortgage lifecycle. Lenders invest heavily in quality control at closing—yet many of the most expensive loan defects originate before data ever reaches UCD. At the center of these defects is one overlooked factor: unverified title data. When lenders rely on […]
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