Loan Performance

What Loan Performance does

Loan Performance, operating under the Cotality brand as the property intelligence arm of CoreLogic, Inc., supplies property data, analytics, and software to the mortgage, insurance, real estate, government, education, restoration, retail, energy/utilities, telecommunications, and technology sectors. Its offering combines national-scale property records (98%+ coverage in its largest U.S. markets, 30 years of historical data, valuations across 112 million properties via Total Home Value X) with workflow software that runs the underlying transactions — listing management (Matrix, MLS-Touch, Trestle), valuation connectivity (Mercury Network), collateral management, underwriting (UnderwritingCenter), loan servicing tax and flood compliance, insurance claims management (Dispatch/Estimate/Inspect/Scope/Validate/Workspace), and restoration (CRM, DASH, Engage, Mitigate). Disaster intelligence is delivered through Hazard HQ Command Central.

The technical architecture is organized as a platform-plus-modules stack anchored by CoreAI, a proprietary AI engine that powers predictive analytics, anomaly/fraud detection, computer vision for roof imagery, and an AI-powered listing-compliance checker; a Model Context Protocol (MCP) Server exposes this capability to external AI systems; and cloud-marketplace integrations with Databricks, Google Cloud, and Snowflake allow customers to consume the data inside their existing data infrastructure. Araya is the unified property-insights interface for self-serve users.

Revenue is generated through subscription-based data and software licensing, usage-based API and marketplace access (Databricks, Google Cloud, Snowflake), and transaction/professional services such as Mercury Network valuation connectivity, flood determination compliance, fraud notification, and property tax solutions. Pricing is quote-based and not publicly disclosed; the go-to-market blends direct enterprise field sales, self-serve/platform-led adoption, and channel partnerships (MLS platforms, broker solutions, restoration CRM channels). Geographic reach spans the United States, United Kingdom, Australia, New Zealand, and Canada (English and French).

Name

Loan Performance

Legal name

Cotality

Website

https://loanperformance.com

Company type

Private

Founded year

2024

Operating status

Operating

Short description

Loan Performance, operating as Cotality under CoreLogic, supplies property intelligence data, analytics, and workflow software to mortgage, insurance, real estate, and government clients, covering 112M properties with AI-driven analytics, MLS platforms, and cloud marketplace integrations.

Ownership category

akta.pro rank

Product category

Mortgage and Property Data Analytics

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310), Credit Bureaus (56145)

SIC

Mortgage Bankers & Loan Correspondents (6162), Services-Consumer Credit Reporting, Collection Agencies (7320), Asset-Backed Securities (6189)

akta.pro primary industry

Automated Valuation Models (AVM) & Property Data/Analytics (FSALALAJ)

akta.pro secondary industries

Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit) (FSAKAKAH), Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL), Real Estate Debt & Mortgage Strategies (FSAAAKAC)

Keywords

• Mortgage information services
• Property risk analytics
• Loan performance data
• Real estate analytics
• Collateral valuation tools

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Data and Analytics Licensing: Cotality generates revenue by licensing property data, location intelligence, risk analytics, and valuation products to enterprise clients in banking, insurance, real estate, government, and other industries. Subscriptions and usage-based access through cloud marketplaces (Databricks, Google Cloud, Snowflake) provide recurring revenue.
2. Platform and Software Subscriptions: SaaS platform products including Matrix (MLS listing management), Collateral Management System, Mercury Network, UnderwritingCenter, Claims Management suite (Dispatch, Estimate, Inspect, Scope, Validate, Workspace), and restoration tools (CRM, DASH, Engage, Mitigate) are sold via subscription licenses.
3. API and Data Marketplace Access: Revenue generated from cloud and data marketplace distribution models, where customers pay for data access, API calls, or compute usage on platforms like Snowflake, Google Cloud, and Databricks.
4. Professional and Specialized Services: Valuation connectivity services (Mercury Network), fraud notification services, flood determination compliance services, and property tax solutions generate transaction and service fees.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Loan Performance operates as a mortgage information and analytics provider, supplying risk management and financial analysis products and data to mortgage lenders, brokers, and other financial market participants. The offering centers on property intelligence feeds, valuation analytics, collateral management, mortgage fraud detection, flood determinations, and credit reporting capabilities delivered through data licensing, SaaS platforms, and API/marketplace integrations.

Product overview

Cotality is a comprehensive property intelligence platform offering a platform-plus-modules architecture. The core platform includes Araya™ for unified property insights, Matrix™ as the #1 listing management platform in North America, Mercury Network™ for valuation connectivity, and Total Home Value X covering 112M properties. The portfolio spans multiple product categories: Property & Location Data (Address Connect, Building Detail, Property Characteristics, PxPoint, SpatialRecord, Zoning Data), Marketing & Growth (Growth Intelligence, Property List, Market Intelligence, OneHomeowner, Precision Marketing, Audience Segmentation), Loan Origination (AutomatIQ Borrower, Credco Credit Reports, Flood Determinations, LoanSafe, SmartFees), Loan Servicing (Commercial Tax Solutions, DigitalTax suite, Property Tax Deferral Suite), Property Valuation (Collateral Management System, Home Price Index, Marshall & Swift, Total Home Value X), Portfolio Monitoring & Fraud (Loan Quality Debt Monitoring, LoanSafe, Portfolio Intelligence, Real Estate Fraud Notification), Underwriting (Age of Roof, Commercial Valuation, Residential Valuation, Roof Conditions Insights, UnderwritingCenter), Claims Management (Dispatch, Estimate, Inspect, Scope, Validate, Workspace), Property & Portfolio Risk (Climate Risk Analytics, Weather Insight), Restoration (CRM, DASH, Engage, Mitigate), and Catastrophe Risk Modeling (Flood, Hurricane, Earthquake, Severe Convective Storm modeling). Cloud and data marketplace integrations include Databricks, Google Cloud, and Snowflake, with an MCP Server for universal AI connectivity.

Differentiator

Problem solved

Functional benefit

Brands

• Matrix™: #1 listing management platform in North America for real estate professionals.
• Mercury Network™
• Total Home Value
• LoanSafe™
• Araya™
• Clareity Assure™
• Hazard HQ Command Central™
• CoreAI

Products and services

• Broker Solutions Property intelligence and analytics offering delivered to mortgage brokers through the Cotality/Loan Performance broker solutions channel, providing valuation, property data, and workflow tools for broker-led loan origination.
• LoanSafe Mortgage fraud risk management tools that identify and help prevent fraud throughout the loan lifecycle, serving lenders and secondary market participants.
• Credco Credit Reports Credit reporting solution widely accepted in mortgage lending, providing comprehensive credit data for borrower qualification workflows.
• Flood Determinations FEMA flood zone determinations and compliance insights for mortgage origination and servicing.
• Collateral Management System Collateral management solution for monitoring and managing loan collateral across mortgage portfolios.
• Portfolio Intelligence and Monitoring Loan portfolio monitoring with real-time alerts to help servicers know, monitor, and protect loan portfolios.
• Loan Quality Debt Monitoring Proactive debt monitoring solution designed to prevent last-minute loan fallout and buyback risk.
• Real Estate Fraud Notification Data-analytics-driven service for uncovering and prosecuting property fraud.

Quantifiable outcome

• 98%+ property coverage in largest markets
• +3 more outcomes

Named customers1 record

Segments10 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability6 records

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• DatabrickscoreTechnology or IntegrationCotality provides AI-ready property data integrated into the Databricks Data Intelligence Platform, enabling Databricks customers to combine Cotality's property and location intelligence with Databricks' data lakehouse architecture for advanced analytics and machine learning workloads.
• Google CloudcoreTechnology or IntegrationCotality delivers property and location data on Google Cloud, empowering Google Cloud customers with property intelligence for risk assessment, site selection, and geospatial analytics use cases within the Google Cloud ecosystem.
• SnowflakecoreTechnology or IntegrationCotality makes property data available on Snowflake's AI Data Cloud, enabling Snowflake customers to access Cotality's property datasets directly within Snowflake's data sharing and analytics infrastructure for smarter property decisions.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ICE Mortgage Technology (Black Knight): ICE Mortgage Technology is the most direct competitor, offering an end-to-end mortgage technology platform encompassing loan origination, servicing, closing, and secondary market analytics — overlapping heavily with Cotality's loan origination, servicing, and valuation products.
• ATTOM Data Solutions: ATTOM is a primary competitor in property data and analytics, providing nationwide parcel, ownership, mortgage, and valuation datasets to similar lending, real estate, and government customers.
• HouseCanary: HouseCanary provides AI-powered residential property valuations and market analytics, directly competing with Total Home Value X and Home Price Index offerings in the appraisal and valuation space.

Broad incumbents

• First American Data & Analytics: First American (whose former Real Estate Solutions unit was acquired by CoreLogic in 2015) provides title, valuation, and property data; it remains a broad incumbent with overlapping parcel data and risk analytics capabilities used by mortgage and real estate clients.
• Zillow Group: Zillow is a broader incumbent in residential property data and valuations (Zestimate, Bridge API), competing with Cotality in real estate professional tools and consumer-facing property intelligence.
• CoStar Group: CoStar is the dominant commercial real estate data and analytics platform and overlaps with Cotality's Commercial Valuation and real estate audience offerings in the commercial segment.
• Verisk Analytics: Verisk provides property-casualty insurance analytics and catastrophe modeling that overlap with Cotality's Climate Risk Analytics and Hazard HQ Command Central in the insurance vertical.
• Moody's Analytics: Moody's Analytics serves overlapping banking and capital markets customers with credit, collateral, and portfolio monitoring solutions, including commercial real estate analytics that compete with Cotality's portfolio intelligence products.

Regional players

• Realtor.com (Move, Inc.): Realtor.com is a competing residential listing platform in the US market; it draws on MLS-sourced data similar to Cotality's Matrix ecosystem and competes for real estate professional mindshare.

Others

• Quandl (Nasdaq Data Link): Quandl is an alternative data marketplace where Cotality-style property datasets can also be distributed; represents an alternative monetization channel and competitive data-distribution venue.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/cotality
• YouTubeopen.spotify.com/show/66OQ3ya2zLva79p0jnaO31
• Facebookfacebook.com/Cotality
• LinkedInlinkedin.com/company/cotality
• Instagraminstagram.com/cotality

Revenue estimate

Valuation estimate

Number of profiles

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 Loan Performance