Data

About CoreLogic Data - authority

At CoreLogic, we transform raw data into meaningful information for your business. 

Recognized worldwide as the premier supplier of U.S. real estate, mortgage, consumer and specialized business data, we supply high-value information, analytics and outsourcing services that thousands of companies use to make timely and insightful decisions. The next time your business is looking for a competitive advantage, talk to us.

At CoreLogic, we put the sharp minds of more than 5,000 dedicated professionals to work on supplying the constant stream of public and private sector information that flows into our proprietary data library.

Through partnerships and third-party resources, we also draw from leading repositories of other major types of business data, maintaining the highest quality, currency and comprehensiveness of any database available. This translates to a greater ability to overlay information that produces potent business insights such as:

  • Matching legal documents and transactions to tax assessor information
  • Capturing, overlaying, and parsing multiple names to reveal key characteristics
  • Standardizing universal codes across all states, counties and jurisdictions
  • Mining multiple databases to unlock hidden facts (e.g. ARM details)
  • Refining valuations with overlaid demographics, statistics, etc.

Don't become a casualty of "garbage in, garbage out" mentality. Count on our data integrity when making key business decisions.

Quantitative and qualitative analysis. The world of market research relies on these two vital information categories to gain effective insights.

Market Advantage

At CoreLogic, we bring you both by providing the most comprehensive database coverage in the United States, Australia, New Zealand and United Kingdom. In the United States alone, we cover 99% of all properties, which equates to 147 million properties and 99.9% of the population. With this breadth and depth of data, you can be sure your business decisions are based on a true picture of the market.

What can you expect from our database? The numbers speak volumes:

 

U.S. real estate transaction assets

  • Approximately 4.5 million real estate transactions per month, depending on market volume
  • Historical data on 740 million real estate transactions

U.S. property tax databases

  • 95% of county, municipal and special tax districts
  • Tax information on 144 million parcels
  • Tax delinquency records on 25 million properties

U.S. parcel dataset

  • 2,648 counties and townships
  • 140.3 million parcels
  • Full integration with tax databases

U.S. borrower credit access

  • 100% of borrower credit reports
  • 100% of borrower census demographics

U.S. mortgage application databases

  • 193 million mortgage loan submissions
  • 80% of mortgage applications
  • 85% of loan servicing files
  • Direct contributions from Fannie and Freddie

U.S. home equity loan databases

  • 7 million active loans
  • 80% of bank-owned home equity loans and lines of credit

U.S. servicing databases

  • 76% of all residential mortgages
  • Mortgage balances totaling $7.6 trillion

U.S. securities databases

  • 97% of nonagency MBS and ABS securities
  • MBS loan-level data on loans with balances totaling $276 billion
  • ABS loan-level data on loans with balances totaling $931 billion

U.K., Australian, New Zealand databases

  • 30 million records on more than 11 million United Kingdom properties
  • 168 million property records covering Australia and New Zealand
Analytics

New insights reveal strengths, weaknesses, competitive advantages, business opportunities and more. That’s the power behind our analytic solutions.

With our rigorous standardization process and wide spectrum of data types, we saw the capability to expand the value of information beyond predictable boundaries. This led us to pioneering “linkable data”―connecting unrelated pieces of information to produce a new generation of algorithmic analytics and predictive modeling.

About CoreLogic Data - Quality

In the world of data collection, order is everything. At CoreLogic, we begin by applying strict standardization to all incoming data. Because we gather data from a wide array of sources in numerous formats with all kinds of anomalies, we adhere to a rigorous governance program to create a structural foundation. Some features of our data assurance process include:

  • All data checked at aggregate level for inconsistent behaviors and greater-than-expected changes from prior reporting
  • All data run through automated edit checks to catch anomalies
  • Irregular data verified against outside sources—or removed

Business decisions depend on timely information. That's why every one of our databases is dynamically updated 24/7/365, continuously receiving and applying new information as it becomes available.

Data must make sense, fit your needs and meet specific regulatory standards. To meet those requirements, we normalize our databases by eliminating redundant information and ensuring that dependencies are logical and query efficient. Given the heavily regulated nature of much our data, our cleansing process includes making sure that information complies with appropriate regulatory and client standards.

Normalization & Compliance

We implement the following in our normalization and compliance process:

  • All data standardized to work with intended systems and applications
  • All data reviewed for compliance with legal, industry and client standards
  • Securitized loan tools confirmed to ensure no loans are included that shouldn't be
  • Securitized pools verified to confirm existing loan deals have legitimate terminations (payoff, liquidation, repurchase, etc.)

We protect our data with physical and digital security measures. Our data centers are built on base-isolator shock absorbers so that they can withstand temblors many times the magnitude of the 1906 San Francisco earthquake. In addition, advanced digital security protects against unauthorized access, use, disclosure, disruption or modification. Ongoing security procedures include security audits, regular system testing, rigorous staff training and continuously updated business-continuity planning.

Security

Some features of our data security include:

  • Ongoing assessments to monitor risk and compliance
  • Access rights and data-use monitoring to find and fix vulnerabilities
  • Close monitoring of sensitive files to identify noncompliance arising from rule changes
  • Rigorous adherence to legal, industry and client standards
About CoreLogic Data - Real Estate

With more than 300 million people in the United States, the volume of existing property information is vast. Where do you go when you need access to the most comprehensive, current and accurate real estate data available? To the source―CoreLogic.

Originally part of First American, we were launched as a separate company in 2010. First American pioneered the process of collecting public record and proprietary data more than 50 years ago, a legacy we carry forward today. More than 600,000 users access our property and homeowner database annually, including sales agents, appraisers, brokerages and multiple listing organization. Whether you need data to prepare a presentation, map out an investment proposal, evaluate a property site or launch a lead-generation campaign, we can pinpoint what you need.

Is it any wonder that busy real estate professionals turn to us first? Our property and homeowner information repository covers 99% of the U.S. population. That’s a lot of ground—more than 147 million properties— sourced from relevant industry and government entities including:

  • County assessors
  • County tax collectors
  • County courthouses
  • County recorders
  • State revenue, taxation agencies
  • U.S. bankruptcy court
  • Multiple listing services
  • Real estate brokers and agents
  • Appraisers
  • Servicers
  • FEMA
We collect, categorize, normalize and continuously update the following types of data:
  • Land and property characteristics
  • Property ownership information
  • Property tax payment status and history
  • Property sales information and history
  • Real estate owned (REO) data
  • Multiple listing information and history
  • Flood hazard information
  • Geocoded tax, parcel and hazard data
  • Home price indices (HPI)
  • Assessor maps and parcel polygons
  • Property photos, building sketches
  • Legal descriptions
  • Involuntary liens and judgments
  • Recorded document images
Our secure, high-speed infrastructure gives you 24/7/365 access to the timely and accurate data you need in today's fast-paced world.

Sometimes, data is all you need. Other times, you need the benefit of data that has been aggregated, synthesized and formatted to provide greater insight. Our property and homeowner information database powers some of the real estate industry’s leading research and analytic tools including:

RealQuest Professional

RealQuest® Professional is the nation's largest online property information database, giving real estate professionals instant access to accurate, exportable data on 97% of all property transactions in the U.S. It was built for professional organizations requiring flexible search options from more than 90 search criteria, on-the-fly reporting, an all-encompassing array of mortgage analytics, advanced automated valuation solutions, mapping solutions and delivery options.
Learn more »

GeoAVM Cascade Suite

The GeoAVM Cascade Suite derives its name from our geopreferencing sorting system that delivers impartial accuracy by analyzing each AVM’s historical performance by location to determine an optimal cascade.
Learn more »

Analytics

ParcelPoint

ParcelPoint is a geocoding and spatial analytics engine that converts address or location information into geographic coordinates. Utilizing the nation's largest parcel dataset, it captures boundary and centroid data for more than 140.3 million parcels in 2,648 counties—providing unrivaled accuracy.
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PxPoint Geocoder

Designed for applications that demand positional accuracy, PxPoint can simultaneously query multiple datasets (e.g., parcel boundary + street data) to return the best match possible. It supports post-code centroids, city centroids, and intersections.
Learn more »

Do more, faster and better than ever before. The productivity tools we offer not only make this goal realistic, they make for an enjoyable business day.

AgentAchieve

AgentAchieve offers a family of productivity modules that real estate brokerages can use individually or as a companywide productivity system.
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Realist

Realist seamlessly integrates our public-record database with any web-based multiple listing service (MLS) system, providing MLS users with practical and insightful information.
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Productivity

Marketrac

Marketrac provides lenders, title companies and builders with an interactive, robust means to measure competitive market share and volumes by geographic area, transaction and loan type.
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ListSource

ListSource provides a competitive advantage by combining property information with homeowner demographic, mortgage, and other data elements.
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We provide you with tools that make data more meaningful, robust and fruitful.

Data Services

Match & Append Database Services

Match & Append Services link the nation's largest property and ownership databases with the largest network of field researchers, data analysts, and real estate experts to provide a wide range of data enhancement and business process services. Whether you are looking to complete your files or append information and analytics for business analysis, Match & Append Database Services gives you instant access to accurate, complete and timely information.
Learn more »

GeoSpatial Digitization Services

Our geospatial experts can convert written sales boundaries and territory descriptions into digitally mapped geocode boundaries.
Learn more »

 

About CoreLogic Data - Mortgage

Never before have mortgage industry professionals had a greater need for superior data to help them make business decisions. As the leading provider of end-to-end mortgage lifecycle solutions, we work with you to help solve today’s toughest industry challenges. Our advanced technology, data and services help you stay competitive, with comprehensive analytics, risk mitigation, portfolio monitoring and valuation solutions that enable:

  • Granularity—Loan-level risk analysis coupled with ZIP code-level predictive forecasting adds veracity and authority to performance risk results
  • Differentiation—Nontraditional datasets like combined property and credit bureau data can expose hidden risk differences between two apparently identical assets
  • Transparency—As regulations and audits intensify, the kind of verifiable factual detail only possible with integrated datasets will be increasingly mandatory
  • Flexibility—Our integrated predictive analytics can be recalibrated on the fly to align models continuously with changing risk profiles and portfolios
  • Speed—We deliver integrated data and analytics results quickly

CoreLogic obtains data from a wealth of resources to provide you with comprehensive, accurate information that provides clarity and enables intelligent decisioning. Sources include:

  • Originators
  • Lenders
  • Underwriters
  • GSEs
  • Securitizers
  • Issuers
  • Dealers
  • Insurers
  • Servicers
  • Trustees

With mortgage data that covers the entire life cycle, we work with financial institutions of all types to get the information necessary to mitigate loan risks and build revenues. From application through underwriting, securities issuance, investment and servicing, our data types include:

  • Mortgage applications
  • Recorded mortgages, including juniors and private-party loans
  • Servicing, including delinquencies, pre-payments and performance data
  • Mortgage modifications, assignments and satisfactions
  • Preforeclosures and foreclosures
  • MBS and ABS delinquencies, prepayments and performance

With our state-of-the-art data centers and unified network, we deliver data around-the-clock at the highest-possible speeds, giving you access to the critical real-time information you need.

An interesting thing happens when you combine raw data from different sources―new insights appear. At CoreLogic, we provide mortgage information as raw data for analytical tools and as integrated data that powers our many analytic solutions. With analytics, you can pinpoint underlying performance flaws and project future scenarios, both in complex mortgage portfolios and mortgage-backed securities. Enlighten your decisions with integrated mortgage solutions such as:

Analytics

RiskModel

Project the likely behavior of pools, portfolios and loans with Risk Model.
Leveraging the industry's most comprehensive mortgage databases, RiskModel employs Monte Carlo simulation technology to predict the full range of potential outcomes to specific scenarios
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Real Estate Analytics Suite

Real Estate Analytics Suite offers the most accurate current HPI.
It also forecasts coming HPIs and includes market, valuation, listing, and commercial trend-analysis tools. Real Estate Analytics Suite delivers the only housing price index that’s completely rebuilt monthly from new national data.
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Commercial Mortgage

Identify commercial properties with maturing mortgages, pierce ownership veils and identify distressed and near-distressed holdings.
Our commercial mortgage data and analytics enable you to do this and more via access to our comprehensive securitized and nonsecuritized databases.
Learn more »

TrueStandings Servicing

TrueStandings Servicing enables risk managers to evaluate and benchmark loan portfolios against competitors and the market as well as identify principal types of risk and their underlying causes.
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TrueStandings Securities

TrueStandings Securities simplifies large-scale data manipulation, advanced querying, and complex data analysis.
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LoanSafe Fraud Manager

LoanSafe Fraud Manager uses patented predictive-analytics scoring technology and exposes suspicious mortgage loans at the application stage, enabling you to quickly identify each loan's fraud risk prior to funding.
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FraudMark UK

Identify UK-specific fraud risk at any stage of the mortgage process. FraudMark UK uses advanced pattern recognition technology and predictive analytics from loan application through portfolio management—providing accurate, automated fraud protection.
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Make your time count with productivity solutions from CoreLogic. Our extensive mortgage applications and workflow solutions focus on the growing challenges facing today's mortgage professionals.

Intellimods

IntelliMods™ is a Web-based, loan modification application that automates and streamlines decisioning and document generation to increase pull through rates and provide auditable reporting and tracking
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Short Sale Monitoring

A unique tool to combat the growing incidence of short-sale fraud and prevent avoidable short-sale losses caused by below-market property valuation.
Learn more »

Productivity

Data Repository

Perform complex, high-volume risk assessment.
Data Repository Solutions simultaneously analyze multiple information resources affecting each loan in a portfolio or securitization—plus subprograms factor in consumer data and demographics.
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Loan Origination System

Loan Center is a cloud-based software-as-a-service solution that connects applications, data, rules, resources, partners, and users on a single networked always-on platform.
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Business intelligence can be amplified dramatically by augmenting it with another data source. For example, deepen property and ownership data by combining it with census data. We combine data sources with analytics to create practical, informative tools you can use to improve your business intelligence.

Augmentation

WillCap

WillCap enables lenders, servicers and investors to manage distressed loans and loan portfolios successfully—applying behavioral analytics to consumer credit, property, and local real estate data to predict borrower willingness and ability to repay loans.

Data Repository Solutions

Data Repository Solutions simultaneously analyze multiple information resources affecting each loan in a portfolio or securitization—plus subprograms that factor in consumer data and demographics—to perform complex, high-volume risk assessment.
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Real Estate Analytics Suite

The Real Estate Analytics Suite is a family of analytics modules that extend monthly CoreLogic HPI data by adding relevant information and modeling the results to reveal current and future trends—translating raw numbers into useful knowledge.
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LoanSafe Risk Manager Suite

LoanSafe Risk Manager Suite incorporates pattern-recognition technology to model property, neighborhood, ownership, and consumer data and predicts borrower and mortgage risk related to unusual collateral volatility and popular fraud scenarios.
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Bond Analytics Solutions

Combining a wide array of business data—property, borrower, fraud, securities, HPI, economic, and Intex deal-model data—Bond Analytics Solutions utilize the full panoply of our predictive and other analytics tools to assess risk in bonds and price them.
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With advancing technologies and new services constantly emerging, today’s rapidly shifting business environment makes due diligence imperative

Given the need for market transparency—and our unmatched data assets—we rethought the traditional due diligence approach. We call it New Diligence. Here are some examples:

Services

New Diligence Solutions

Our group of buy-side, bond trading, credit rating, financial engineering, and mortgage origination/servicing experts uses our full array of dynamic data/analytics assets to produce unique New Diligence Solutions that generate insightful, actionable results.
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MBS Litigation Analytics

MBS Litigation Analytics give litigators integrated consumer, property and mortgage data analysis revealing unsecured liens, broken title chains, occupancy and undisclosed properties fraud.

Bond Analytics Solutions

Our Bond Analytics Solutions are the industry's most trustworthy nonagency mortgage-backed securities pricing and analytics engines.
Learn more »

About CoreLogic Data - Consumer

At CoreLogic, we provide consumer credit and demographic data that extends the value of our real estate, mortgage and securities solutions. By aggregating consumer data from public and proprietary sources along with our real estate and property information databases, we provide the clarity to make sound decisions. In addition, our data resources allow us to bring you products and services that you can offer to your customers.

Our sources include:
  • County and local courthouses
  • State taxation & revenue departments
  • U.S. bankruptcy court
  • Federal Agencies (FBI, CIA, OFAC)
  • Payday, rent-to-own and other lenders
  • Owners and managers of multifamily properties
  • U.S. Census Bureau
  • Newspapers
  • Direct from consumers
  • Third-party providers
We collect and process many types of consumer data including:
  • Mortgage loan applications
  • Property ownership histories
  • Property rental applications and rental histories
  • Multi-family resident screenings
  • Auto loan applications
  • Household demographics
  • SSN and identity verifications
  • Consumer credit information, histories
  • Under-banked (nontraditional lender) credit histories
  • Tenant/landlord court records
  • Voluntary and involuntary liens
  • Judgments
  • Bankruptcy information
  • Criminal records
  • Sex-offender information

We provide consumers with several ways to take advantage of our data resources. 

Consumer Direct

CreditIQ

Designed to augment the existing consumer credit reporting processes, CreditIQ provides supplemental credit data not typically available from the traditional credit repositories. The aggregation of consumer data includes over 700 million records from CoreLogic proprietary databases including: consumer property ownership and mortgage obligation records, property legal filings and tax payment status, rental applications and evictions, and consumer-specific bankruptcies, liens, judgments and child support obligations.
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Consumer Disputes Resolution

Credit information from CoreLogic Credco includes free consumer access to our FCRA compliant Consumer Disputes Resolution services, including investigation, consultation and working on behalf of consumer to correct missing or mistaken bureau data.
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Consumer Credit Monitoring

Consumer Credit Monitoring reviews consumers' credit files on an ongoing basis for changes. We offer 1B and 3B credit monitoring options - proven recurring billing products can be added to most services..
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ID Theft Insurance

We offer consumers unique peace of mind with our ID Theft Insurance, which insures them for between $25,000 and $1 million for identity theft or unauthorized electronic funds transfer, including reimbursement for all debts incurred and any residual charges.

Our consumer solutions enable businesses to provide valuable tools and resources to their customers.

Consumer Services

ePropertyWatch Pro

ePropertyWatch Pro lets real estate brokers offer their clients free ePropertyWatch subscriptions that automatically alert them by email to changes in the value of their properties, neighborhood sales, nearby foreclosure activities, local housing trends.
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ValueMap

ValueMap is an easy-to-use, map-based valuation service that integrates into real estate websites to help consumers determine home values and available equity--delivering detailed property information and a variety of market indicators.
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AgentAchieve Broker Website Property Search

One of the modules in the AgentAchieve family of real estate broker productivity and business management tools creates brokerage-branded websites for its agents that feature sophisticated consumer self-serve property searching.
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MLS Consumer Websites

CoreLogic MarketLinx builds MLS Consumer Websites for real estate boards, Realtor® associations, and MLS organizations that feature map-based self-serve searches of property listings, with photo views, side-by-side comparisons, appraisal estimates and more.
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Credco Credit Reports

We offer clients instant one- and three-bureau Credco Credit Reports that include data from the three national credit reporting agencies (Experian, TransUnion, Equifax) in a common, easy-to-read, adjustable format designed for consumer-level clarity.
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CreditXpert

Credco CreditXpert helps counselors identify opportunities to optimize consumer credit scores—including feedback on specific actions they can take to enhance their credit standing and using a simulator to see the impact of such changes in advance.
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Consumer Fraud Restoration

Our Consumer Fraud Restoration service helps consumer victims of identity theft—with our experts evaluating the fraud from all sides, providing a detailed recovery action plan, then assisting in dealing with financial institutions and documenting the results.
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We link consumer and property information from disparate databases inside and outside the company using a methodology called "inference". The following breaks down how inference can work:

  • Proprietary algorithms—These can infer a match between loan data from our securities or servicing databases and existing property addresses
  • Credit provider partners—They enable another proprietary algorithm to connect existing property addresses with consumer public records.

 

Examples of programs that use inference methodology to enhance loan data include:

 

Vector Securities

Vector Securities identifies risk in loan portfolios and RMBS by deconstructing them to their underlying loans, updating collateral valuations with HPI and AVM data, and finding actual lien and other obligations using TrueLTV inference-based ownership data.
Learn more »

TrueStandings Servicing

TrueStandings Servicing monitors and evaluates servicing loan portfolios using inference-based borrower performance and delinquency prediction analysis—drawing on Zip code-level bankruptcy, REO, prepayment, roll-rate, and other diagnostics.
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Inference Engines

Teletrack Nontraditional
Credit Reporting

Teletrack Nontraditional Credit Reporting contains multi-dimensional credit performance information—much of it developed by inference—including credit scores, Social Security validations, open/paid loans, open/paid charge-offs, consumer dispute information.
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Instant Merge

Instant Merge incorporates inference-based logic in assembling accurate, balanced borrower credit histories—including current credit scores, up-to-date risk scores from FICO, Experian, Equifax, TransUnion, any history of bankruptcy.
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Red Flag Solution

Under the Red Flags Rule, auto dealerships must implement an identity theft prevention program. Our automated Red Flag Solution integrates inference-based credit reporting and identity verification with OFAC screening and compliance reporting.
Learn more »

 

About CoreLogic Data - Delivery

You don't want to think about how you're going to get your data. You just need to receive it when you need it.That's why we include state-of-the-art delivery with every piece of data we provide. Our online delivery technology is fast, secure and highly available. Should you prefer another method, we accommodate other delivery options.

With high availability, regulatory compliance and levels of security that are trusted around the world, your data arrives as quickly as your own connectivity permits—timely, clean and internally consistent.

Enterprise Licensing Services from CoreLogic gives you the green light to use our data and analytics as if they were your own internal assets. By accessing our dynamically updated real estate, marketing, valuation, mortgage, fraud prevention, servicing or capital markets data; you can run applications that perform as follows:

Enterprising Licensing
  • Manage business lines
  • Manage market share
  • Manage collections
  • Track REOs and short sales
  • Model prepayment, delinquency, default risk
  • Perform due diligence on acquisition collateral
  • Benchmark portfolios to industry baselines
  • Calculate portfolio loss reserves
  • Market cross-sales and acquisitions
  • Monitor your competition

Enterprise Licensing is available in two installations: API or CPU to CPU. With an API, a custom desktop application interface communicates directly with our databases via a dedicated high-speed line—streaming data directly into your workflow. It is the next best thing to having your own data center.

A CPU to CPU connection is the ideal fit for companies who need the same speed of delivery but require more limited data categories and applications.

Either way, you get unparalleled access to data not readily found elsewhere.

Now, MLS brokers and agents can cross the line and gain access to other MLS organizations throughout the country. Local members can obtain agent-to-agent data from other regions to better serve clients seeking properties both local and distant. From a single screen, locate:

MLS Data Co-op
  • Property reports
  • Listing histories
  • Nearby comparable sales
  • Property photos
  • Neighborhood reports
  • Real estate trends
  • Tax-record details
  • Nearby schools
  • Listing agent information
  • Custom mapping
  • Community demographics
  • Contact information
  • AVM reports

Our data delivery systems are designed to be as accommodating as possible—meeting your formatting and technology needs without jeopardizing data quality.

Delivery Platforms

Available data formats include:

  • XML
  • Bulk data

Available file formats include:

  • ASCII
  • Excel
  • Lotus 123
  • dBase
  • Access
  • Shapefile

Delivery platforms and methodologies include:

  • Passive FTP (you retrieve data, reports, and images via secure Internet file transmission—a highly beneficial delivery method for batch processing)
  • Active FTP (data sent to an FTP address you provide—which we can set up for you—providing reliable delivery to a specific location on your predefined schedule)
  • Physical storage media (you receive data, reports, and images on USB external drives, DVDs, CDs, diskettes, magnetic tapes, cartridges—whatever you choose)

Other delivery options range from email and fax to postal and express courier services.