Mortgage Credit Services

Product List

Fraud Report - ADV120

The ADV120 Fraud Report delivers a powerful, customizable fraud risk analysis that can be submitted to Fannie Mae and Freddie Mac as part of the loan package. By cross-checking borrower, participant, and property data, the report shields lenders from fraud and undisclosed risk while creating operational efficiencies.

Highlights:

• Meets lender and investor requirements with customizable options
• Pass/Fail indicators for quick review
• Risk Score model tailored to your needs
• Data refresh available prior to closing
• Key verifications: borrower identity, SSN usage, employer details, property ownership, foreclosure history, liens, court cases, disaster alerts, and watchlist screening

Click Here For A Sample Report

Cost per report = $15.50 (Includes LOS Integration)

ID Investigation Report 

Quickly verify borrower identity with technology that searches billions of public records. The ID Investigation Report validates key data points while flagging high-risk discrepancies or miskeyed information.

Benefits:

• Detects potential ID fraud earlier than traditional credit repositories
• Verifies addresses using USPS data
• Flags discrepancies with clear explanations
• Optional inclusion of household income data by ZIP code
• Available via API for credit report red flag comparison

Click Here For A Sample Report

Cost per report = $4.00 (Includes LOS Integration)

SSN Usage Report

The SSN Usage Report provides detailed historical insights into a borrower’s Social Security Number, helping uncover potential misuse or identity discrepancies.

Key Features:

• Identifies alternate SSNs tied to the borrower
• Reveals additional consumers using the same SSN
• Cross-checks against SSA Death Master List
• Flags mis-keyed input with suggested corrections

Click Here For A Sample Report

Cost per report = $4.00 (Includes LOS Integration)

Property Ownership & Foreclosure History

Ensure accuracy in borrower property disclosure with a detailed report covering current and historical occupancy, ownership, and foreclosure events.

Highlights:

• Alias names searched for hidden property history
• Foreclosure activity within the past 7 years flagged
• Deed and finance history displayed for all owned properties

Click Here For A Sample Report

Cost per report = $7.00 (Includes LOS Integration)

MERS System SSN Lien Report

The MERS System SSN Lien Report cross-references borrower Social Security Numbers with the Mortgage Electronic Registration System (MERS®) to identify active liens and undisclosed loans tied to a borrower. This helps lenders uncover hidden obligations that may affect debt-to-income ratios and overall creditworthiness.

Highlights:

• Detects undisclosed mortgages or liens registered in the MERS® database
• Matches borrower SSN against lien registry for accuracy
• Supports loan quality control and fraud prevention
• Provides additional assurance before loan approval or closing

Click Here For A Sample Report

Cost per report = $3.50 (Includes LOS Integration)

Civil Court Records 

The Civil Court Records Report gives lenders a nationwide view of borrower bankruptcy, lien, and judgment data.

Benefits:

• National coverage across municipal, county, state, and federal courts
• Customizable filters by case type and age
• Proprietary matching for maximum accuracy

Click Here For A Sample Report

Cost per report = $3.00 (Includes LOS Integration)

Employer ID Report

Verify employer details to reduce risk of falsified income claims. The Employer ID Report validates company existence and key contact information.

Key Data Returned:

• Employer name, address, phone, and website
• Executive details
• Distance from residence/property to employer

Click Here For A Sample Report

Cost per report = $5.00 (Includes LOS Integration)

Subject Property Report

Pull accurate county-level property data covering 99% of U.S. residential properties.

Included Data:

• Current owner and occupancy status
• Deed and finance history
• Property taxes and delinquencies
• Property characteristics and neighborhood sales

Click Here For A Sample Report

Cost per report = $7.00 (Includes LOS Integration)

FHFA HPI Report

The FHFA House Price Index (HPI®) Report tracks housing price trends from the 1970s to today. Based on millions of transactions, it offers insights into property values at the state, metro, and local level.

Uses:

• Estimate home price fluctuations over time
• Benchmark property value trends for risk analysis
• Evaluate affordability and refinance potential

Click Here For A Sample Report

Cost per report = $4.00 (Includes LOS Integration)

FEMA Report

The FEMA Report checks for natural disasters affecting a property’s county, using a dataset updated daily.

Highlights:

• Flags disasters declared in the past 120 days
• Includes historical events over the last 24 months
• Lists available FEMA assistance programs

Click Here For A Sample Report

Cost per report = $4.00 (Includes LOS Integration)

Watch List Report

Protect against risk by screening borrowers and participants against up to 22 industry and government exclusion lists.

Features:

• Includes GSE-required, investor-specific, and custom lists
• Screens against OFAC, HUD, and other compliance databases
• Integrated with LOS for automated checks

Click Here For A Sample Report

Cost per report = $3.50 (Includes LOS Integration)

SSA 89

The SSA-89 Verification service directly confirms a borrower’s name, SSN, and date of birth with the Social Security Administration.

Benefits:

• Direct SSA validation ensures accuracy
• Identifies deceased SSN holders
• Borrower authorization required (SSA-89 form)
• Available via LOS and credit ordering platforms

Cost per report = $7.00 (Includes LOS Integration)

4506C Transcripts

Confirm borrower income quickly with IRS-provided transcripts. The 4506-C Transcript Service helps validate income documentation while reducing fraud risk.

Highlights:

• IRS-sourced transcripts of 1040s, W-2s, 1099s, 1120s, and 1065s
• Turnaround in 5–6 business days (subject to seasonality)
• Low-cost, reliable way to confirm income
• Supports e-signed 4506-T forms with audit trail documentation

Cost per report = $10.00 (Includes LOS Integration)