CBCInnovis
- Company typePrivate
- Founded1948
- HeadquartersPittsburgh, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What CBCInnovis does
CBCInnovis, operating under the trade name Factual Data, is a US-based provider of mortgage lending credit reporting and verification services headquartered in Pittsburgh, Pennsylvania, founded in 1948. The company serves mortgage lending professionals across America through a portfolio that includes Tri-Merge Credit Reports, Pre-Qualification and Pre-Approval Credit Reports, the Innovis Early View product, Undisclosed Debt Monitoring, and Workflow Solutions. Coverage spans the entire mortgage lifecycle from pre-qualification through application, processing, underwriting, pre-closing, and post-closing stages.
The company's core technology consolidates credit data from multiple bureaus into unified reports and overlays monitoring logic that flags credit changes and undisclosed debts during the lending process. Revenue is generated through a hybrid model: per-transaction fees for credit report pulls (tri-merge, pre-qualification, pre-approval) combined with recurring subscription revenue from undisclosed debt monitoring and workflow integration. Distribution is direct B2B, anchored by a secure client login portal for ongoing report access and field sales engagement with mortgage lending institutions. Pricing is not publicly disclosed and requires direct inquiry.
The firm is private with 251–500 employees and operates within a single domestic geography. Public source material does not disclose funding history, M&A activity, certifications, or named institutional customers beyond an anonymous customer testimonial. The product and distribution footprint is consistent with a mature, niche-focused operator that has maintained a stable position in US mortgage credit reporting rather than a growth-stage platform.
CBCInnovis firmographics
Firmographics- Name
- CBCInnovis
- Legal name
- Factual Data
- Website
- https://cbcinnovis.com
- Company type
- Private
- Founded year
- 1948
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
CBCInnovis industry classification
Industry- Product category
- Mortgage Credit Reporting Services
- NAICS
- Credit Bureaus (561450)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit) (FSAKAKAH), Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH), Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)
Keywords
Where CBCInnovis is headquartered
LocationHeadquarters
- HQ city
- Pittsburgh
- HQ country
- United States
- HQ region
- North America
Markets served
CBCInnovis business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Credit Report Services: Provides tri-merge credit reports, merged credit reports, pre-qualification and pre-approval credit reports to mortgage lenders on a per-transaction basis
- Monitoring Services: Undisclosed debt monitoring services for ongoing borrower tracking during mortgage process
- Workflow Solutions: Technology solutions supporting mortgage lending lifecycle operations
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
CBCInnovis product offering
Product offeringCore offering
Factual Data (CBCInnovis) provides mortgage lenders with consumer credit reports, verification tools, and workflow solutions that span the entire mortgage lending lifecycle. Core offerings include tri-merge credit reports, undisclosed debt monitoring, pre-qualification and pre-approval credit reports, workflow automation, and the Innovis Early View product for preliminary borrower assessment.
Product overview
Factual Data offers a unified platform of mortgage credit reporting products designed to assist lenders throughout the entire mortgage lending lifecycle. The core product is the Tri-Merge Credit Reports, which consolidate credit data from multiple bureaus. Supporting modules include Innovis Early View for preliminary credit assessment, Pre-Qualification and Pre-Approval Credit Reports for different stages of borrower evaluation, Undisclosed Debt Monitoring for detecting hidden liabilities, and Workflow Solutions for process automation. The portfolio is anchored by the company's mission of 'Helping Lenders Expand Homeownership' through easy-to-read consumer credit reports and verification tools.
Differentiator
Problem solved
Functional benefit
Brands
- Innovis Early View: Product for early credit view in mortgage lending process
- Merged Credit Reports
- Pre-Qualification Reports
- Pre-Approval Reports
- Undisclosed Debt Monitoring
- Workflow Solutions
Products and services
- Tri-Merge Credit Reports Comprehensive credit report that merges data from multiple credit bureaus into a single unified view for mortgage lending assessment, used by mortgage lenders to evaluate borrower creditworthiness.
- Undisclosed Debt Monitoring Monitoring service that tracks and alerts mortgage lenders to undisclosed debts that applicants may not have reported during the lending process, helping lenders stay current on credit changes.
- Workflow Solutions Automated workflow tools designed to streamline and integrate credit reporting processes within mortgage lending operations, supporting process efficiency across the lending lifecycle.
- Innovis Early View Early-access credit viewing product that provides preliminary credit information to assist lenders in the initial mortgage evaluation and pre-qualification process.
- Pre-Qualification Credit Reports Credit reports used during the pre-qualification stage to provide initial borrower assessments before full loan applications are submitted.
- Pre-Approval Credit Reports Credit reports utilized during the pre-approval stage to conduct more thorough credit evaluations as part of the mortgage approval process.
Companies that use CBCInnovis
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
CBCInnovis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CBCInnovis partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights3 records
CBCInnovis competitors and assessment
Company assessmentBroad incumbents
- Experian: Global consumer credit bureau that competes with CBCInnovis in mortgage credit reporting and analytics. Comparable core offering (tri-merge bureau data) but with broader product portfolio and international footprint.
- Equifax: One of the three nationwide consumer credit bureaus. Directly comparable as a credit reporting and underwriting data provider, but serves many verticals beyond mortgage and operates at significantly greater scale.
- TransUnion: Third major nationwide consumer credit bureau. Competes head-to-head in mortgage credit reports and risk analytics, with broader diversification into commercial and emerging markets.
- CoreLogic (now Cotality): Major provider of property, mortgage, and credit data analytics. Comparable as a mortgage data and decisioning infrastructure provider to lenders, overlapping in valuation, risk, and workflow tools.
- ICE Mortgage Technology (formerly Black Knight): Leading mortgage technology and workflow platform (Encompass LOS). Comparable as a workflow and decisioning infrastructure provider that mortgage lenders rely on, and a channel through which credit data is consumed.
Direct peers
- Xactus: Mortgage-focused credit and verification services provider that directly competes with CBCInnovis in tri-merge credit reports, verifications, and fraud solutions for US mortgage lenders.
- DataVerify (DRN): Mortgage-focused data and verification services provider competing with CBCInnovis in undisclosed-debt monitoring, fraud detection, and pre-funding verifications for US mortgage lenders.
Emerging players
- FormFree: Provider of alternative credit, asset, and verification data (including bank-account/cash-flow data). Comparable as a mortgage verification data provider but focused on disrupting traditional bureau pulls.
- Plaid: Financial data connectivity platform enabling bank-account, income, and asset data flows. Comparable as a data infrastructure layer for mortgage verifications and an emerging alternative to bureau-based workflows.
- LoanBeam: Provider of IRS 4506-C income verification for mortgage lenders. Comparable as a mortgage credit and verification data provider, though narrower in scope than CBCInnovis's full lifecycle offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CBCInnovis social profiles
Digital presenceCBCInnovis financial estimates
Financial estimateRevenue estimate
Valuation estimate
CBCInnovis leadership team
Management profileNumber of profiles
Profiles1 record
CBCInnovis funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CBCInnovis M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CBCInnovis
What does CBCInnovis do?
Factual Data (CBCInnovis) provides mortgage lenders with consumer credit reports, verification tools, and workflow solutions that span the entire mortgage lending lifecycle. Core offerings include tri-merge credit reports, undisclosed debt monitoring, pre-qualification and pre-approval credit reports, workflow automation, and the Innovis Early View product for preliminary borrower assessment.
When was CBCInnovis founded?
CBCInnovis was founded in 1948. It employs 251 to 500 people.
Where is CBCInnovis based?
CBCInnovis is headquartered in Pittsburgh, United States, in the North America region.
How does CBCInnovis make money?
Three revenue lines are on record. Credit Report Services are the primary driver. The others are monitoring Services and workflow Solutions.
Who are CBCInnovis's main competitors?
Broad incumbents on record are Experian, Equifax, TransUnion, CoreLogic (now Cotality) and ICE Mortgage Technology (formerly Black Knight). Direct peers are Xactus and DataVerify (DRN). Emerging players are FormFree, Plaid and LoanBeam.
Does CBCInnovis have an API?
No public API is recorded for CBCInnovis.
What industry is CBCInnovis in?
CBCInnovis's product category is Mortgage Credit Reporting Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAH, Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit). Its NAICS code is 561450 and its SIC code is 7320.