For decades, mortgage lenders have relied on PDF title reports—static, unstructured, human-readable documents that were adequate in a paper-first lending environment. But as Fannie Mae and Freddie Mac push digital transformation deeper into underwriting, QC, and post-close workflows, PDFs have become a bottleneck. They’re slow to process, impossible to automate at scale without expensive OCR […]
Loan repurchases are the most feared—and most expensive—outcome for mortgage lenders entering 2026. Buybacks have surged as Fannie Mae and Freddie Mac tighten data-quality expectations, audit timelines shrink, and regulators push lenders toward cleaner, more structured, and more verifiable loan files. The biggest driver of repurchase risk today isn’t borrower fraud or income miscalculation. It’s […]
JSON has quietly become the backbone of modern mortgage technology. As lenders push toward faster workflows, automated decisioning, and cleaner audit trails, the ability to ingest title data through APIs has shifted from a competitive advantage to a core operational requirement. Yet most title information in the industry still arrives in formats that slow everything […]
JSON has become the default structure for modern title reports—especially as lenders, mortgage servicers, and fintech platforms automate key parts of the loan cycle. But the usefulness of JSON depends on one critical factor: data integrity. If the underlying data is outdated, inconsistent, or malformed, even the most perfectly structured JSON report becomes nothing more […]
By 2027, the title industry will look dramatically different from the one lenders rely on today. The shift won’t be driven by a single technology, regulation, or market trend. Instead, it will be the result of converging pressures—automation, loan-level risk scrutiny, investor demand for clean data, and the undeniable reality that current title workflows no […]
As loan volume rebounds and competition tightens, high-volume mortgage lenders are confronting a new operational reality: speed and accuracy are no longer luxuries—they’re survival tools. Margins remain thin, borrower expectations are rising, regulators are demanding cleaner data, and investors are increasingly intolerant of risk tied to outdated or incomplete public records. In this environment, waiting […]
{
"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",
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"propState": "OR",
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"propAltAPN": "R-3-4E-21-C-A-01500",
"propLegal": "SUBDIVISION VISTA TEST 4366 TRACT C",
"propOwner": "CORY TIPTON",
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"propValue": "350000.00",
"overallTaxNotes": "",
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{
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{
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}
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{
"type": "WARRANTY DEED",
"dated": "03/13/2024",
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"type": "DEED",
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],
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"mortgagesExists": 1,
"mortgages": [
{
"type": "DEED OF TRUST",
"dated": "04/20/2024",
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"type": "HELOC",
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"dateSubmitted": "08/19/2024 10:14:31 AM",
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}
}