Collateral Investigator

FNC’s comprehensive data and analytics tools—Appraisal Score, Property Scan™, and QC Vigilance— provide reviewers and underwriters proven resources to ensure the quality of an Appraisal or BPO and analyze the comparables.

Now we’ve bundled this toolkit into one comprehensive solutions package, so you can easily research and analyze a subject property and surrounding comparables, giving you the competitive edge.

1. Appraisal Score_®
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Appraisal Score helps lenders evaluate how closely the appraisal complies with more than 600 generally accepted appraisal rules based on USPAP and Fannie Mae/Freddie Mac guidelines. A score (0-1000), generated from the results, gives reviewers a quick reference point—the higher the score, the better the compliance. Any broken rules are listed on a summary report and flagged for further review.

1. Property Scan™
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Property Scan streamlines multiple data sources for the subject and comparables into one thorough analysis. This comprehensive report provides real property characteristics, legal description, sales history, county tax information, and recent and historical comparable sales as well as Distressed Sale indicators showing past, current, and pending foreclosure and other distressed sale activity in the area.

1. QC Vigilance
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This Web-based quality control tool helps reviewers quickly gauge the quality of the appraisal backing a loan by thoroughly analyzing the comparables. The user compares the subject property and comparables listed on the appraisal to those found in the National Collateral Database™. QCV offers a value range, an interactive map plotting the subject and comps, and a thorough report.