CBCInnovis

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.

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

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

• Mortgage credit reports
• Credit verification services
• Tri-merge credit reports
• Undisclosed debt monitoring
• Mortgage lending solutions

Headquarters

HQ city

Pittsburgh

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. 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
2. Monitoring Services: Undisclosed debt monitoring services for ongoing borrower tracking during mortgage process
3. Workflow Solutions: Technology solutions supporting mortgage lending lifecycle operations

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core 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.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad 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

• LinkedInlinkedin.com/company/cbcinnovis

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CBCInnovis