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 […]
For decades, title research followed a relatively predictable rhythm. County recorders filed documents, abstractors accessed those records, and lenders relied on the resulting reports to make confident decisions. Today, that rhythm is fractured. Public record fragmentation—across counties, agencies, systems, formats, and access rules—has turned what was once a linear process into one of the most […]
Why AFX Research Remains the #1 Partner for Lenders Who Need Both Speed and Certainty Artificial intelligence is transforming nearly every corner of the mortgage, real estate, and lending ecosystem—and title research is no exception. AI Title Research can read documents, recognize patterns, predict risk, and automate entire steps of the title ordering process that […]
{
"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",
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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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"buildingValue": "250000.00",
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},
{
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}
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}
],
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"dateSubmitted": "08/19/2024 10:14:31 AM",
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}
}