For mortgage loan lenders, the speed and accuracy of a title search can make or break a closing. With borrowers expecting instant decisions and tighter turnarounds on approvals, mortgage lenders need reliable data fast—especially when handling complex loan terms, adjustable rate mortgages, or rate-sensitive transactions.
While AFX Research is not a lender and does not offer any form of mortgage loan, our nationwide title search services are built specifically to support mortgage lending professionals. By delivering same-day title updates via API, webhooks, and structured JSON data, we help lenders move faster, reduce risk, and stay competitive in a demanding market.
Every mortgage lender needs to verify property ownership and confirm there are no hidden issues—like liens, encroachments, or other legal encumbrances—before funding a mortgage loan. A clean, accurate fast title search is a critical part of that risk assessment process.
AFX Research provides:
We support lenders issuing all types of mortgage products, including conventional loans, refinance packages, and adjustable rate mortgages—by providing the verified property data they need to close with confidence.
Time-sensitive lending decisions—especially those involving rate loans, discount points, or monthly payments—demand accurate data with no delays. Title delays can impact everything from rate locks to borrower experience. That’s where AFX Research helps.
While we do not issue loans or act as a financial institution, our platform delivers what loan officers, processors, and underwriters need most: fast, dependable title search results that feed directly into their existing systems.
AFX Research is purpose-built for the speed and complexity of modern lending environments. Here’s how we do it:
Our system triggers webhooks the moment a title search is completed—instantly notifying your loan processing platform or dashboard.
Lenders can request, track, and receive title reports using our RESTful API, eliminating emails and manual steps.
We deliver title results in JSON format, which can be parsed and mapped into your LOS, CRM, or custom decisioning engine. Reports also come with PDF backups for compliance files.
Feature | AFX Research | Traditional Title Vendors |
---|---|---|
Title Search Turnaround | Same-day (0.43 days avg) | 2–5 business days |
API & Webhook Integration | Yes (real-time JSON delivery) | Rare or limited |
Geographic Coverage | 100% nationwide | Often regional |
Report Format | Machine-readable JSON + PDF options | PDF only (manual processing) |
Pricing Transparency | Clear, volume-based rates | Often bundled or unclear |
Use Case Flexibility | Consumer, commercial, investor loans | Mostly consumer-focused |
Support for Automation | End-to-end system integration ready | Manual ordering and email delivery |
In fast-moving markets, mortgage lenders can lose a deal if title delays affect discount points or lock-in periods for mortgage rates. Our same-day turnaround keeps the timeline aligned with borrower expectations and lender commitments.
For ARMs, title accuracy is critical in underwriting and calculating risk-adjusted monthly payments. Our structured JSON title data makes it easy to assess lien impact and ownership changes programmatically.
AFX helps lenders confidently adjust the loan amount on existing mortgages with the latest title status. Our fast title search process supports HELOCs, cash-outs, and other refinance needs.
We don’t originate loans, but we help the people who do—loan officers, processors, and underwriters—move faster by reducing manual friction.
Here’s how AFX benefits the lending workflow:
Whether your team handles hundreds or thousands of mortgage loans, we deliver the verified property data needed to close confidently.
AFX Research works with mortgage professionals across the industry to deliver accurate title reports for all types of mortgage lending, including:
Though AFX is not involved in the loan process itself, we deliver the critical data mortgage loan lenders depend on to validate property status.
Our mortgage lending API is designed to plug directly into your existing loan origination or risk management platform. Benefits include:
From order to delivery, AFX makes title data one of the fastest, most automated parts of your lending process.
Lenders that still rely on email-ordered title searches or clunky PDF-only reports are falling behind. AFX Research modernizes this process by:
Even though we don’t make loans or set loan terms, AFX plays a crucial role in helping lenders reduce time-to-close and increase borrower satisfaction.
AFX Research is not a lender—we’re your title search technology partner. We help mortgage lenders close faster by providing real-time, accurate property data through modern tools like webhooks, API access, and JSON-structured reports.
Whether you’re calculating monthly payments, validating the loan amount, or processing conventional loans with tight deadlines, AFX supports your goals with the most advanced title search system in the industry.
Let AFX Research help you reduce friction in your lending process with lightning-fast, lender-ready title data. We offer:
{
"your_order_number": "1663232-1212",
"afx_property_id": "79-275248-47",
"file_name": "1663232-1212-TS.pdf",
"public_url_to_file": "https://ourfileurl.com/files/download/431365FR2aPVJhUTIs6K4emWn7LPN5RGDvrT1WtQAHRKE3g",
"report_data":
{
"productID": "116",
"productName": "Current Owner Search w/ Taxes",
"propertyID": "79-275248-47",
"yourReferenceNumber": "ABCD1234",
"yourOrderNumber": "1663232-1212",
"yourMortgageeSiteName": "ABC MONEYSOURCE MORTGAGE COMPANY",
"dateComplete": "08/19/2024",
"dateEffective": "08/16/2024",
"propAddress": "123 SE TEST ROAD",
"propCity": "ESTACADA",
"propState": "OR",
"propZip": "97020",
"propCounty": "CLACKAMAS",
"propAPN": "111025371-012",
"propAltAPN": "R-3-4E-21-C-A-01500",
"propLegal": "SUBDIVISION VISTA TEST 4366 TRACT C",
"propOwner": "CORY TIPTON",
"landValue": "100000.00",
"buildingValue": "250000.00",
"propValue": "350000.00",
"overallTaxNotes": "",
"taxesExists": 1,
"taxes": [
{
"year": "2023",
"period": "",
"status": "PAID",
"date": "",
"amount": "3141.26"
},
{
"year": "2024",
"period": "",
"status": "DUE",
"date": "",
"amount": "3721.10"
}
],
"deedsExists": 1,
"deeds": [
{
"type": "WARRANTY DEED",
"dated": "03/13/2024",
"recorded": "03/13/2024",
"instrument": "2024-008696",
"book": "",
"page": "",
"torrens": "",
"grantorName": [
"NORTHWEST CORE HOLDINGS, LLC"
],
"granteeName": [
"CORY TIPTON"
],
"notes": ""
},
{
"type": "DEED",
"dated": "01/31/2024",
"recorded": "02/02/2024",
"instrument": "2024-003832",
"book": "",
"page": "",
"torrens": "",
"grantorName": [
"VISTA TEST HOMEOWNER'S ASSOCIATION"
],
"granteeName": [
"JOHN DOE"
],
"notes": ""
}
],
"mortgagesExists": 1,
"mortgages": [
{
"type": "DEED OF TRUST",
"dated": "04/20/2024",
"recorded": "04/30/2024",
"instrument": "2024-015037",
"book": "",
"page": "",
"amount": "312000.00",
"mortgagorName": "JOHN DOE",
"mortgageeName": "ABC MONEYSOURCE MORTGAGE COMPANY",
"trusteeName": "FIDELITY NATIONAL TITLE COMPANY OF OREGON",
"mersName": "EVERGREEN MONEYSOURCE MORTGAGE COMPANY",
"mersMIN": "1000235-0023016999-7",
"mersStatus": "ACTIVE",
"relatedDocsExists": 1,
"relatedDocs": [
{
"type": "ASSIGNMENT",
"desc": "UMB BANK NATIONAL",
"recorded": "02/28/2024",
"instrument": "",
"book": "1130",
"page": "415"
}
],
"notes": ""
},
{
"type": "HELOC",
"dated": "06/25/2024",
"recorded": "06/30/2024",
"instrument": "2024-016054",
"book": "",
"page": "",
"amount": "30000.00",
"mortgagorName": "JOHN DOE",
"mortgageeName": "TRUST CREDIT UNION",
"trusteeName": "",
"mersName": "",
"mersMIN": "",
"mersStatus": "",
"relatedDocsExists": 0,
"notes": ""
}
],
"liensExists": 0,
"overallLienNotes": "",
"miscsExists": 0,
"reportNotes": "",
"dateSubmitted": "08/19/2024 10:14:31 AM",
"currentDeedRecordDate": "03/13/2024"
}
}