Pitchpoint Solutions

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The Mortgage Data Reports provide a comprehensive, independent and objective review of the loan data, enabling lenders to quickly detect discrepancies, enable compliance and thereby reduce the risk of loan repurchase.

Looking for flexible mortgage data validation services to match your needs?

Experience and Flexible Services

With PitchPoint's Mortgage Data Validation Services, you get all the flexibility you need to customize your mortgage data validation needs. The PitchPoint Mortgage Data Validation Services provide a comprehensive, independent and objective review of loan data that enable lenders to quickly detect discrepancies, ensure compliance and thereby reduce the risk of loan repurchase.

PitchPoint's Mortgage Data Validation Services comprise:

Identity:

Bureau Red Flag Report: Summary of red flags identified by credit bureaus, as per FACT Act Red Flag Rule
	Active military duty Credit freeze Consumer narrative	Name Address, Phone SSN	Deceased OFAC Fraud alert
ID Investigation Report: Summary of public record data to verify ID elements are valid and associated with one individual
	Name Address Phone	SSN, Death Master File DOB OFAC, FinCEN	Risk Score Suspicious address/phone Standardized address

Liens:

MERS SSN Lien Report: Active MERS registered lien by SSN
	Detailed search results on each MERS registered lien by SSN

Property:

Subject Property: Summary of public information on property, ownership, assessment, legal description
	Dwelling characteristics Current ownership Prior ownership	Assessment, tax amount Brief legal description Current liens	Information on 5 recent neighborhood sales USPS standardized address

Employment:

Employment ID Report: Summary of public data on company
	Reverse phone # lookup Confirmation of company	Company URL Address confirmation	# Employees; Revenue Key Executives
V-VOE: Verbal confirmation of emplyment status and stated income
	Reverse phone # lookup Employer contact info.	Current employment status Date of employment	Job title Confirm reported salary

Income:

IRS Form 4506-T Transcript:
	Transcript of Tax Return (up to 4 prior years)
Houshold Income Report:
	Optional add-on to ID Investigation Report

Occupancy:

Address History Report:
	List of current and prior addresses for individual

Watch Lists:

Excluded Party Lists: Validation of loan participants
	Watch list check: GSA EPLS, HUD LDP Appraiser License status check
Batch Processing:
	Continuous monitoring or ad-hoc verification of borrowers, and vendor lists against basic or extended watch lists

Loan Validation Summary:

Consolidated Summary:
	Summary of key results and warnings from each of the verification reports

Reduce your risks and quickly meet industry guidelines

Enable Compliance with Industry Guidelines

The validation services enable lenders to quickly identify discrepancies, track issues, reduce the risk of fraud and comply with internal and secondary market requirements.

available Fannie Mae LQI requirements
Red Flag Rule section 315 investigation
US Patriot Act section 326

available Freddie Mac Fraud Bulletin
Approved by CitiMortgage
BSA, OFAC-SDN, In-house watch lists

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