Loan Quality and Fraud Solutions

Decision Management

Access the industry’s most robust risk management and quality control solutions. As the nation’s largest provider of advanced property and ownership information, analytics and services, we enable you to increase productivity while reducing the risk of fraud and default.

Vector ^TM

• Instantly deploy your underwriting rules. Vector’s rules management allows you to apply your underwriting rules to enforce credit policy guidelines.

• Mitigate fraud and default risk. Use Vector’s powerful loan quality assessment and fraud-detection tools to minimize your exposure and to expedite loan approvals. Vector delivers the in-depth intelligence you need to make confident decisions.

• Powerful vendor management. Vector allows you to transparently manage your use of collateral valuation products through an enterprise-class TruSecure® certifiedplatform.

Automated Valuation Models

• ValuePoint®4 (VP4)
• PASS ^TM
• Home Price Analyzer (HPA ^TM )
• PowerBase®
• ACA
• CASA®
• Collateral Market Value (CMV)
• Home Value Explorer® (HVE®)
• i-Val ^TM
• ValueSure ^TM
• SiteX Value
• ValueWizard ^TM
• VeroValue ^TM
• Insured AVMs

Other Valuation Solutions

• ValueView
• Broker Price Opinions
• 1004 SFR URAR
• 2055 Internal & External Inspection
• Damage Verification Report
• Desktop Review

Collateral Risk Management Solutions

LoanSafe RDS™

• Quantifies loss and peformance risk more accurately than credit or collateral assessments alone
• Effectively stratifies risk, reducing overall loan default exposure
• Evaluates risk with borrower, collateral, broker and credit
• Provides main and sub risk scores to better identify key areas of loan risk

Freddie Mac’s Calibrator^SM

• Ensure the home is worth enough to satisfy the mortgage debt
• Reduce expenses and protect your credit reputationby eliminating collateral fraud
• Quickly and easily check as many loans as you want
  at the same time

Application & Identity Fraud Detection

ProScan ID

• Verifies a borrower’s identity
• Detects potential straw buyers
• Recognizes and reports on critical discrepancies in a borrower’s application including invalid Social Security Numbers, ID theft alerts and inconsistencies
  between SSN, name/address of applicant, and more

Basepoint Analytics FraudMark ^TM

• Advanced pattern-recognition technology to pinpoint fraud
• Identifies problem loans before they are funded
• Cost-effectively targets fraudulent loans

IdentityPro®

• Identify identity and borrower-based fraud
• Advanced pattern matching flags potential identity theft, straw borrowers and owner-occupancy misrepresentation
• Customizable rule sets to worth within business rules
• Risk scores, alerts and flags help identify loans of greatest risk and streamline lower-risk business