Smarter Risk Management Powered by DataVerify
DataVerify®, a Factual Data affiliate, has spent more than two decades helping mortgage lenders surface fraud earlier, verify applicant details, and assess collateral risk. Its DRIVE® platform stands apart not simply for what it checks, but for the range of data sources it draws on, the configurable rules it applies, and how quickly it returns results.
Featured DataVerify Solutions
Mortgage fraud often doesn't surface until after a loan has funded — which can result in a repurchase, foreclosure, or regulatory finding. Built on the DataVerify DRIVE platform, these tools help lenders surface potential red flags from applicant, application, or collateral risk, before closing.
Surfaces identity, occupancy, REO, and prior foreclosure risk
Real-time rule configuration lets lenders act on an identified risk with zero development cycles
Undisclosed Debt Monitoring* surfaces debt and loans an applicant didn't report, so debt-to-income calculations reflect the full picture
Watchlist Screening Automation: run fully configurable checks against industry, investor, and custom lists
NMLS Licensing Checks: confirm loan officers and lenders meet licensing standards
*Service provided by Factual Data
Inconsistencies in loan applications are often simple mistakes, not fraud. But they still need to be confirmed before you fund. The DataVerify DRIVE platform lets processors and underwriters verify identity, employment, and income in one system.
Real-time identity verification verifies an applicant is who they claim to be and surfaces inconsistencies before the file moves into underwriting
SSA-89 Social Security verification confirms an applicant's Social Security number matches their identity, using the SSA-89 authorization form
4506-C IRS tax transcript verification pulls an applicant's tax transcript data directly from the IRS
8821 streamlines access to IRS tax data, enabling faster income verification
Lenders must document whether a property sits in a Special Flood Hazard Area (SFHA) before closing — getting it wrong can mean an uninsured loss or a compliance finding. Flood Zone Determinations give you a fast, documented answer.
Nationwide coverage spans all 50 states and U.S. territories
Reports include an aerial map copy and parcel data pinpointing the property's precise location
Life-of-loan tracking flags a property automatically if a FEMA map revision changes its flood zone status after closing
Re-determination requests let you challenge a result using a legal description, survey, certified plat drawing, subdivision map, or a Letter of Map Amendment (LOMA)
Getting Started
Talk to a Factual Data representative to learn more about what DataVerify offers.
