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Collateral Risk Assessment | CollateralFacts

The increase in property value misrepresentation continues to threaten the profitability of mortgage lenders and investors. CollateralFacts protects you from this threat by identifying fraudulent activity surrounding a property – enabling you to close more loans with less risk.

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• Instant Results

  You request and receive data through Kroll Factual Data's online platform. Our secure click-for-data interface provides a comprehensive analysis of your collateral risk in real-time.

• Updated Property Data

  CollateralFacts utilizes data provided by some of the industry’s most respected sources for property data. Our sources provide us with frequent updates to ensure that the analysis data is up-to-date.

• Comprehensive Analysis

  In order to comprehensively detect overvaluation and fraud, CollateralFacts compares the subject property data to 20 neighboring properties, the subject property characteristics, sales history, and an independent AVM. Any variances automatically populate your alert fields.

• Innovative Knowledge-based Analytics

  Our proprietary knowledge-based risk assessment engine imitates human problem solving by accessing a database of proprietary fraud-trending knowledge which is collected, compiled and maintained by mortgage fraud experts. The result is accurate identification of misrepresentation, lower review rates and less false positives.

• Customizable

  Our knowledge-based risk asssessment engine allows you to not only weigh the severity of every fraud alert according to your business processes, but also customize the alerts and action steps given to your processing staff so that it matches your investors' requirements.

• Detailed Reports

  CollateralFacts includes a comprehensive set of results including an overall score, alerts by category with actions and evidence data for further review and analysis.

• Experience

  Kroll Factual Data's dedicated risk mitigation development team, which is comprised of experienced product designers, architects and analytical experts, has unparalleled experience developing innovative services that protect lenders from even the most difficult to detect fraud schemes.

How CollateralFacts Works

Seconds after you provide us with three basic pieces of information – the borrower’s name, the property address and its appraised value – we reply with a report that includes:

• A comprehensive, 0-100 Collateral Risk Score.
• An in-depth analysis of the valuation risk, flip risk, market risk, address validation risk, and ownership and title risk.
• The transaction history, an appreciation graph, and comparable sales of the subject property.
• AVM values and Confidence Score.