First American Data & Analytics Launches VeriTitle™ to Accelerate Mortgage and Home Equity Loan Processing
In a move set to redefine how mortgage and home equity loans are processed, First American Data & Analytics, a division of First American Financial Corporation (NYSE: FAF), has officially launched VeriTitle™, a groundbreaking solution that brings greater speed, intelligence, and efficiency to the loan origination process. Designed to serve the evolving needs of lenders and borrowers alike, VeriTitle is the first solution of its kind to deliver actionable title insights at the earliest stages of a mortgage or home equity loan application.
By equipping lenders with real-time title intelligence upfront—rather than later in the loan cycle—VeriTitle aims to reduce friction, streamline workflows, and enable faster closings, ultimately leading to stronger borrower relationships and more scalable lending operations.
A Strategic Innovation in Title Technology
The mortgage industry has long wrestled with inefficiencies that delay loan processing and hinder the borrower experience. Traditional title search and validation processes, typically conducted later in the underwriting workflow, often reveal issues such as unresolved liens, ownership discrepancies, or errors in property records that stall or even derail closings.
Recognizing this pain point, First American Data & Analytics built VeriTitle to proactively bring title evaluation to the front end of the loan journey, enabling lenders to identify and resolve potential title issues much earlier. The result is a lending experience that is smarter, faster, and better aligned with borrower expectations in today’s on-demand financial environment.
“VeriTitle helps lenders streamline decision-making and fuels faster, more efficient closings, helping foster stronger relationships with their borrowers and grow their mortgage and home equity business,” said Robert Karraa, president of First American Data & Analytics. “Tapping our industry-leading data assets to solve industry challenges reflects our commitment to equip lenders with innovative tools and actionable insights to enhance efficiency, reduce costs, and deliver exceptional borrower experiences.”
A Data-Driven Foundation
At the core of VeriTitle’s innovation is First American’s proprietary property data, which includes one of the largest and most complete repositories of real estate and ownership information in the industry. This first-party dataset spans more than 8.6 billion document images and is continually updated to reflect the most accurate property and title information available.
By leveraging this unparalleled database, VeriTitle offers a preliminary title evaluation that not only identifies potential obstacles but also validates critical ownership and property attributes in real time. This empowers lenders to quickly differentiate between “clean” loans that are ready for accelerated processing and those that require further title work before closing.
“VeriTitle delivers a preliminary title evaluation that helps lenders differentiate loans – identifying those ready for an accelerated closing versus those needing additional title work,” said Jennifer Menard, senior director of product at First American Data & Analytics. “Powered by our expansive lien data and advanced analytics, this solution provides the insight lenders need to improve workflows and close loans more effectively.”
A New Era of Early Title Insight
Until now, title information has traditionally been siloed within later stages of the loan process—often revealed only after other steps like credit checks, income verification, and appraisal are completed. This sequencing has made it difficult for lenders to proactively resolve title issues or manage borrower expectations.
VeriTitle changes that paradigm by providing early title insights during the loan application stage. This shift has a number of downstream benefits:
- Accelerated Loan Closings: Loans without significant title issues can be pushed through the system much faster, helping lenders hit aggressive timeline targets and improving the borrower’s experience.
- Early Problem Identification: Loans with potential title concerns can be flagged immediately, giving lenders more time to resolve them before they become blockers.
- Improved Borrower Communication: With clearer insight into title status upfront, loan officers can set more realistic timelines and keep borrowers informed, reducing frustration and uncertainty.
- Optimized Resource Allocation: Lenders can prioritize loans that are “clear to close” while routing others through the appropriate workflows, improving team efficiency and reducing operational drag.
Seamless Integration into Lending Workflows
Another standout feature of VeriTitle is its API-based delivery model, which allows seamless integration into existing loan origination systems (LOS) and point-of-sale (POS) platforms. This ensures that lenders don’t need to overhaul their technology stacks to benefit from VeriTitle’s insights. Instead, they can embed title evaluation directly into the systems they already use, enabling instant access to real-time data at the point of borrower engagement.
This integration-friendly approach reflects First American’s broader commitment to supporting flexible, interoperable tools that adapt to the needs of modern lenders and scale alongside their digital transformation initiatives.
Supporting Both Mortgage and Home Equity Lines of Business
VeriTitle isn’t just for mortgage originators—it’s also designed with home equity lenders in mind. As rising home values and interest in cash-out refinancing drive renewed demand for home equity loans and lines of credit (HELOCs), lenders in this space need tools that can quickly validate ownership, identify subordinate liens, and ensure clean title prior to disbursement.
By providing early access to verified title insights, VeriTitle helps home equity lenders mitigate risk, streamline loan cycle times, and enhance portfolio quality—all while delivering a better experience to borrowers seeking to tap into their home’s equity.
Part of a Broader Suite of Decisioning Tools
VeriTitle joins an impressive lineup of advanced analytics and property data solutions from First American Data & Analytics, including:
- DataTree® – A powerful platform for property research and document retrieval.
- FraudGuard® – A fraud risk detection tool that helps lenders identify and mitigate borrower and transaction risks.
- RegsData® – A compliance solution that helps lenders stay ahead of evolving regulations.
- First American TaxSource™ – A property tax data solution designed to enhance escrow and closing workflows.
- ACI® – A leading appraisal and valuation platform.
Each of these solutions is designed to bring greater transparency, accuracy, and intelligence to the real estate and mortgage sectors. With VeriTitle, First American is now extending that same innovation into the title space—bridging a longstanding gap in the loan origination timeline.
A Step Forward for the Mortgage Industry
As the lending landscape continues to evolve, tools like VeriTitle reflect a broader industry shift toward front-loaded intelligence, automation, and borrower-centric experiences. In an age where digital mortgage platforms, fintech challengers, and changing borrower expectations are reshaping how loans are processed, solutions like VeriTitle provide lenders with a much-needed competitive edge.
By allowing for smarter decisions earlier in the process, VeriTitle doesn’t just shave days off the timeline—it fundamentally transforms how lenders approach risk, efficiency, and borrower engagement.
Learn More
To explore how VeriTitle can transform your lending operations and help you close loans faster, visit First American Data & Analytics online at:
👉 https://dna.firstam.com/solutions/title-analytics/verititle
About First American Data & Analytics
First American Data & Analytics is a division of First American Financial Corporation and a leading national provider of property-centric information, risk management, and valuation solutions. With access to the largest curated dataset of property and ownership records—spanning more than 8.6 billion images—the company serves the real estate, mortgage, and title settlement services industries with decisioning tools that enhance efficiency, accuracy, and compliance.
To learn more, visit: www.FirstAmDNA.com
About First American
First American Financial Corporation (NYSE: FAF) is a premier provider of title, settlement and risk solutions for real estate transactions. With its combination of financial strength and stability built over more than 135 years, innovative proprietary technologies, and unmatched data assets, the company is leading the digital transformation of its industry. First American also provides data products to the title industry and other third parties; valuation products and services; mortgage subservicing; home warranty products; banking, trust and wealth management services; and other related products and services. With total revenue of $6.1 billion in 2024, the company offers its products and services directly and through its agents throughout the United States and abroad. In 2025, First American was named one of the 100 Best Companies to Work For by Great Place to Work® and Fortune Magazine for the tenth consecutive year. The company was named one of the 100 Best Workplaces for Innovators by Fast Company for the second consecutive year in 2024. More information about the company can be found at www.firstam.com.
