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April 2018

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The 2018 HW Tech100

The most innovative technology companies in housing
This year’s HW Tech100 features a much more expansive landscape than ever before. Winners included heavy hitters and innovative disruptors. Even new tech players in the blockchain space are joining the party now. Other exciting developments can be seen on the identity-protection and fraud-prevention sides. But make no mistake, the name of the game in tech, these days, is lending, lending, lending.
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From HW Magazine

How mortgage companies are capitalizing on their greatest asset: big data

APIs have changed the game
The evolution from a paper-based process to this era of big data is astounding. Consider that according to IBM, 90% of the world’s data has been created in the last two years. The Internet of Things — your thermostat, refrigerator, even your kid’s Barbie doll — is increasing that data exponentially. For mortgage companies, that data represents a treasure trove more valuable than the gold bars stacked in the vault at the New York Federal Reserve Bank, but only if they can figure out how to harness it for their specific business. Fortunately, scores of fintech companies are ready to help.
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From HW Magazine

Should you be investing in cryptocurrency?

A look at the turbulent world of initial coin offerings
Initial coin offerings are the latest red-hot investment trend, seeking to disrupt the traditional means of raising venture capital for startup businesses and firms. The market itself has witnessed an incredible expansion in the last year, but as the cryptocurrency market explodes and new coins flood the market, is the Securities and Exchange Commission looking to cool down its rapid-paced growth? 
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Mortgage Cadence

Borrower survey reveals 3 key observations in lending

Lenders need to meet borrower expectations for the experience
Since 2016, Mortgage Cadence has been partnering with Accenture Research, polling American borrowers to determine what they were thinking, feeling and doing as they were moving through their mortgage application journey. In 2016, when we first asked borrowers to rate their level of satisfaction with lenders, 45% said they were ‘very satisfied.’
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From HW Magazine

Hot Seat: Simon Moir of eOriginal

eOriginal delivers eClosing capabilities to companies of all sizes with an open platform
Originators can digitally create the promissory note and securely manage it as an authoritative copy with delivery to secondary market. For instance, by sending the note digitally from the originator to a warehouse lender, the risk of a lost note or shipping are eliminated. Thanks to technology, the eNote is delivered and transferred instantly, with data that can be instantly validated. This advancement accelerates the time between origination and the replenishment of capital.
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From HW Magazine

April Kudos: Celebrating milestones, launches and awards in the mortgage industry

CoreLogic, Calyx Software, New Penn and HousingWire
The J. Ronald Terwilliger Foundation for Housing America’s Families is giving $3 million to Enterprise Community Partners, a nonprofit that designs and builds affordable housing. The grant is designed to create “innovative, integrated approaches” in areas like job training and healthcare that can increase economic mobility. The grant will be used to fund a two-year effort that includes assessing existing programs and identifying priority needs.
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From HW Magazine

2018 HW Tech100 Winner: Access Business Technologies

MortgageWorkSpace integrates easily with loan origination systems, CRMs and SaaS apps
Access Business Technologies is a cloud service provider focused exclusively on the mortgage vertical. ABT focuses on mortgage departments of traditional financial organizations like banks, credit unions, CUSOs and others, like state housing authorities and nonprofits, in addition to mortgage banks and brokers.
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From HW Magazine

2018 HW Tech100 Winner: Advanced Data Corporation

eVoE alleviates pain points in verifying employment
Fraud prevention verification provider Advanced Data launched its newest proprietary fintech solution, eVoE, to alleviate pain points in verifying employment, such as unreadable data on forms, slow turn-around times and high costs.
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From HW Magazine

2018 HW Tech100 Winner: Agent Inbox

Offers MLS-wide messaging platform with agent and brokerage directory
The product facilitates all agent-to-agent transaction conversations within an MLS via messaging, showings and file sharing. The agent and brokerage directory gives market participants access to everyone in their market. The company provides MLS and associations with a full suite of tools to manage communication with and support their members, much like a data-driven MLS help desk.
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From HW Magazine

2018 HW Tech100 Winner: Alterra Home Loans

Mobile app Pronto creates transparency during the home purchase process
Alterra’s mobile app, Pronto, creates transparency during the home purchase process between buyers, real estate agents and lenders. It allows all parties to instantly view the status of a loan from a desktop computer, tablet or mobile device.
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From HW Magazine

2018 HW Tech100 Winner: Approved

Digital mortgage platform assists lenders in moving their operations online
Approved’s core technology is a digital mortgage platform that assists lenders in moving their operations online in minutes. The company’s technology revolves around different core areas. The first, a borrower point of sale, provides a consumer dashboard where borrowers can manage their tasks and milestones.
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From HW Magazine

2018 HW Tech100 Winner: Arch MI

RateStar's risk-based pricing measures loan-level risk
Arch MI’s RateStar is the company’s risk-based pricing solution, which measures loan-level risk. Mortgage lenders that use RateStar can compete more effectively in the marketplace and offer eligible buyers more affordable mortgages. RateStar returns a rate quote after a few seconds, and only the lender’s NMLS number is needed to get started.
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From HW Magazine

2018 HW Tech100 Winner: ARMCO

ACES Audit Technology ensures loan quality across the entire mortgage cycle
Both ACES and ACESXPRESS leverage intelligent questionnaires, preset and user-defined audit questions that drive the technology’s rules-based platform. ACES IQ employs answer-based logic, which allows users to automate a loan-level audit review for virtually any loan type in any loan scenario, regardless of how unique or typical the circumstances.
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From HW Magazine

2018 HW Tech100 Winner: Asurity Technologies

MRGDocs provides smart loan documents compliant with local, state and federal regulations
Asurity Technologies provides end-to-end solutions from 100% compliant smart loan documents, risk analysis and reporting, data infrastructure, expertise from engineering to regulation and a committed customer and technical support team.
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From HW Magazine

2018 HW Tech100 Winner: ATTOM Data Solutions

API and DaaS provide clients with flexible options for data delivery and management
ATTOM developed and brought to market two key technologies that provide clients with more flexible and scalable options for data delivery and data management: a cloud-based property data API and property data-as-a-service (DaaS).
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From HW Magazine

2018 HW Tech100 Winner: Auction.com

Tech solutions aggregate intelligence and provide in-depth insights to buyers and sellers
Auction.com is the largest real estate marketplace for distressed assets. It utilizes internet and mobile technology to help sellers rid their balance sheets of assets, save on operational and financial costs and contribute to neighborhood stabilization.
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From HW Magazine

2018 HW Tech100 Winner: BankLabs

Cloud-based service automates construction loan management
BankLabs’ Construct is a cloud-based service that automates the construction loan management process for community banks. It is accessible from phones, tablets or computers, and eliminates the need for paper files and spreadsheets, increases bank productivity, mitigates the risk of overfunding projects and improves the experience for the builder, borrower and inspector.
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From HW Magazine

2018 HW Tech100 Winners: Bestborn Business Solutions

Reporting suite contains tools for executive and branch-based reporting
Loan Vision’s reporting suite contains tools for executive and branch-based reporting. This allows mortgage lenders to analyze at a more granular level — how each cost center (Region, Branch, LO, Product etc.) are performing, etc. — while also shifting the focus onto branch managers themselves as they now have access to the data in an easily consumable format in real time.
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From HW Magazine

2018 HW Tech100 Winner: Better Mortgage

Platform moves the mortgage process completely online
Better’s platform moves the mortgage process completely online. Its customers are able to upload and eSign documents, have instant access to affordable lending discounts, and receive recommendations on the right mortgage products for them.
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From HW Magazine

2018 HW Tech100 Winner: Black Knight

Enterprise BI platform is comprised of LoanSphere Data Hub and LoanSphere Motivity
Black Knight’s Enterprise Business Intelligence platform is comprised of two Black Knight solutions: LoanSphere Data Hub and LoanSphere Motivity. LoanSphere Data Hub is a centralized framework that gathers, aggregates and links Black Knight application with public records data.
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From HW Magazine

2018 HW Tech100 Winner: Blend

Blend Mobile allows LOs to manage their business from anywhere
Launched in July 2017, Blend Mobile is the first native mobile application that allows LOs to manage their businesses, including borrower requests and applications, anytime and anywhere, bringing borrowers closer to their loan officers.
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From HW Magazine

2018 HW Tech100 Winner: Blue Sage

Browser-based lending platform allows lenders to deliver a completely digital mortgage experience
Its digital lending platform also includes an originator portal and mobile app that gives loan officers key point-of-sale and CRM functionality. Last year, Blue Sage released a new version of its digital lending platform that includes modules for retail and wholesale business channels, in addition to its previously existing correspondent lending capabilities.
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From HW Magazine

2018 HW Tech100 Winner: Built Technologies

Built's software makes it easier to service construction loans
Built Technologies’ software streamlines the collateral monitoring and draw process, making it easier to service construction loans. Built’s software replaces the spreadsheets, emails, phone calls and paper files that were previously used to manage construction loans.
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From HW Magazine

2018 HW Tech100 Winner: Calyx Software

Mortgage software solutions for banks, credit unions, mortgage bankers and brokers
Calyx Software provides mortgage software solutions for banks, credit unions, mortgage bankers and brokers. The company offers several unique software solutions, including: Point, the company’s flagship loan origination system; PointCentral, the company’s enhanced server-based version of Point; and Path, a cloud-based, end-to-end, integrated LOS for retail, correspondent and wholesale lending.
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From HW Magazine

2018 HW Tech100 Winner: Capsilon Corporation

Point of Sale Portals enable the creation and delivery of loan packages
In 2017, Capsilon introduced Point of Sale Portals, which enable the creation and delivery of loan packages that streamline the mortgage process from application all the way to closing. By integrating Capsilon’s Point of Sale Portal and digital mortgage platform, lenders eliminate the need for manual document indexing, naming and sorting.
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From HW Magazine

2018 HW Tech100 Winner: Carrington

LoaniQ matches consumers with loan funding options
Carrington’s LoaniQ is a fast, accurate and easy way to match consumers with loan funding options. The loan calculator instantly matches borrowers with loan options based on the borrower’s goals with no personally identifiable information required. LoaniQ’s unique and fine-tuned algorithm presents borrowers with real loans after answering a few simple questions.
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From HW Magazine

2018 HW Tech100 Winner: CertifID

Wire fraud prevention platform allows transaction parties to share banking information securely
CertifID is a wire fraud prevention platform designed to safely authenticate the identities of the parties of a transaction and allow them to share banking information securely.  The platform, which launched in October 2017, uses proprietary digital device analysis and knowledge-based authentication sequencing,  providing a guarantee up to $500,000.
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From HW Magazine

2018 HW Tech100 Winner: Clarifire

Offers a configurable workflow automation software that connects fragmented processes
Clarifire’s SaaS offering is a configurable workflow automation software that connects fragmented processes. The application enables servicers to create operational efficiencies and controls that bring significant proven results. Clarifire, a privately held woman-owned company, designed SaaS to enable businesses to take control of their business processes in one online, collaborative platform.
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From HW Magazine

2018 HW Tech100 Winner: Clarocity

Clarocity Valuation Services offers a suite of valuation products and services
In 2017, the company launched Clarocity Valuation Services, a valuation services company. The company was formed by merging Valuation Vision and Valued Veterans AMC. Clarocity Valuation Services offers a suite of valuation products and services, including a new proprietary appraisal solution called MarketValue Pro, which is an alternative appraisal product that can reduce the cost of an appraisal by up to 40%.
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From HW Magazine

2018 HW Tech100 Winner: Class Appraisal

The Dynamic Calculator offers an interactive county-by-county pricing tool
Class Appraisal, an appraisal management company, utilizes technology to improve the appraisal process. The company offers an interactive county-by-county pricing tool called the Dynamic Calculator. The technology combines current and historical market data to create reasonable and customary fees.
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From HW Magazine

2018 HW Tech100 Winner: Clear Capital

ClearCollateral provides an analytics-driven workflow built on SaaS technology
Clear Capital’s newest offering, ClearCollateral, provides an analytics-driven workflow, configurable provider allocation and powerful valuation review tools built on SaaS technology. ClearCollateral’s order management tools allow users to rebalance provider order allocations at any time.
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From HW Magazine

2018 HW Tech100 Winner: ClosingCorp

SmartEngine enables title organizations to collect and manage specific rate and fee data
ClosingCorp provides fully managed, vendor-verified rates and fees from its ClosingCorp Network of more than 20,000 unique real estate service providers representing title, settlement, appraisal, inspections and engineering all over the country. In 2017, ClosingCorp launched SmartEngine, an advanced rate management solution that enables title organizations to collect and manage specific rate and fee data.
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From HW Magazine

2018 HW Tech100 Winner: Cloudvirga

Intelligent mortgage point-of-sale platforms focus on cutting costs and increasing transparency
Cloudvirga builds intelligent mortgage point-of-sale platforms, focused on cutting costs, shortening time to close and increasing transparency. The company’s workflow results in high self-service numbers, which means more satisfied borrowers, dramatically expedited loan processing and significant cost savings per loan.
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From HW Magazine

2018 HW Tech100 Winner: ComplianceTech

Web-based software tools help lenders stay compliant
Since its founding more than 25 years ago, ComplianceTech has provided fair lending compliance services and compliance tools to lending institutions, government agencies and research institutions. The company’s web-based software tools, LendingPatterns and Fair Lending Magic, help lenders stay compliant with the myriad of regulations they must abide by.
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From HW Magazine

2018 HW Tech100 Winner: Contactually

CRM helps agents and brokers grow their business through an easy-to-use platform
Contactually’s intelligent CRM helps agents and brokers grow their businesses through an easy-to-use platform that enables personal engagement at scale. According to the company, this results in more leads, referrals and increased business.  One feature, Programs, reminds agents and brokers when to email their contacts and provides market-proven content for the right message, ensuring that no one falls through the cracks.
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From HW Magazine

2018 HW Tech100 Winner: CoreLogic

Offers a broad range of cloud-based technology applications and platforms
CoreLogic offers in-depth insights and a broad range of cloud-based technology applications and platforms that streamline user workflow processes while providing the flexibility and convenience of secure, on-demand and immediate access to a variety of applications. The company also provides comprehensive property ownership and transaction history. CoreLogic analyzes more than 4.5 billion records spanning more than 50 years.
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From HW Magazine

2018 HW Tech100 Winner: Covered

Provides a digital "human-like" platform
By combining the latest technology with a human touch, Covered provides a digital ‘human-like’ experience where borrowers can shop and buy with confidence in minutes. Entirely built and based in the United States, Covered delivers amazing service and support in whichever way a borrower prefers: text, call, email, or online chat. Covered’s platform pairs efficiency and automation with best-in-class design. The Covered platform has won three awards, including: Best UI/UX; Best in Mobile and Best in Web Design.
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From HW Magazine

2018 HW Tech100 Winner: Divvy Homes

Customers who don't qualify for a mortgage offered a three-year program to move from lease to buy
Divvy is a rent-to-buy firm. Available in markets with appreciating home values, potential borrowers select a home on the market and Divvy will then buy it, and lease it back to them, while allowing them to build equity credits with every payment. Divvy raised over $7million to pursue its goal of offering an additional option between renting and owning.
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From HW Magazine

2018 HW Tech100 Winner: DocMagic

Total eClose allows lenders to complete a paperless eClosing
The software developer’s technology solution suite includes Total eClose, which allows lenders to complete a totally paperless eClosing; SmartCLOSE, a collaborative closing portal; eSign & eDelivery platform, which securely sends loan documents for signing electronically; and integration product offerings including DocMagic Direct, DocMagic Online and Borrower Mobile.
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From HW Magazine

2018 HW Tech100 Winner: Docutech

Solex is a complete platform dedicated to the eClosing of mortgages
Introduced in September 2017, Docutech’s Solex is a complete platform dedicated to the eClosing of mortgages. Docutech offers so many services to agents, lenders and borrowers that launching a singular platform enables each mortgage transaction to become as digital as possible. Solex is integrated with ConformX, Docutech’s dynamic document engine.
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From HW Magazine

2018 HW Tech100 Winner: Ellie Mae

Encompass enables lenders to provide high-tech service that homebuyers expect
Ellie Mae’s cloud-based Encompass platform enables lenders to provide the high-tech service with a human touch that homebuyers expect with efficiency, quality and compliance. Ellie Mae’s technology solutions help lenders originate more loans, lower origination costs and reduce closing times while automating everything that can be automated to offer a path to a true digital mortgage.
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From HW Magazine

2018 HW Tech100 Winner: Envoy Mortgage

Envoy LOS is tailor-made for all phases of origination
Envoy offers the industry a robust technology foundation that is integrated with more than 150+ branches nationwide.  Based in Houston, the lender prides itself on embracing diversity — they’ve partnered with the National Association of Hispanic Real Estate Professionals, for example.
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From HW Magazine

2018 HW Tech100 Winner: eOriginal

Selected by Fannie Mae for its next-generation electronic vault
In 2017, Fannie Mae, the largest home financier in the U.S., selected eOriginal for the launch of its next-generation electronic vault, which involved moving billions of dollars of assets onto its hosted platform in order to enable the secure management of eNotes throughout their lifecycle.
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From HW Magazine

2018 HW Tech100 Winner: Ephesoft

Loans are classified and organized faster and more accurately than by a human
With some loans exceeding 1,000 pages and hundreds of document types, manual classification of these documents is time-consuming and labor intensive. Ephesoft identifies, classifies and organizes loans faster and more accurately than any human.
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From HW Magazine

2018 HW Tech100 Winner: Epiq

The company offers AACER, an automated court document process tool
Epiq clients use AACER’s portfolio management tools to easily and efficiently identify debtors, monitor dockets and events, search across and within bankruptcy cases, and automate custom workflow queues. Epiq holds 80+ offices globally with 12 data centers and 5,200+ employees.
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From HW Magazine

2018 HW Tech100 Winner: Equator

Provides SaaS solutions to servicers and real estate asset managers
Default solutions provider Equator, an Altisource business unit, develops scalable technology that enables net execution efficiency, reduction of operational and capital requirements, increased transparency and implementation of client compliance rules. Equator provides SaaS solutions to the largest servicers and real estate asset managers, including four of the top five largest servicers and a leading GSE.
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From HW Magazine

2018 HW Tech100 Winner: Exceleras

Web-based automated tools used by mortgage servicers and asset management providers
Exceleras is a provider of web-based automated tools used by mortgage servicers and asset management providers to manage and value real estate. The company offers an advanced default property disposition tool, DispoSolutions, and an all-inclusive, flexible valuation platform, ValueSolutions. DispoSolutions allows servicers and asset managers to design their own workflow and processes to fit their specific needs, whether they manage small or large portfolios.
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From HW Magazine

2018 HW Tech100 Winner: EXOS Technologies

Three core products: EXOS Title, EXOS Appraisal and EXOS Close
The EXOS digital platform was built by ServiceLink specifically to digitize title, appraisal and closing processes. EXOS is offered in three core products – EXOS Title, EXOS Appraisal and EXOS Close. EXOS Title complements the point-of-sale digital mortgage experience by identifying clear-to-close title instantly. EXOS Appraisal enables appraisers to set schedules and choose only the jobs they want through a mobile or desktop application.
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From HW Magazine

2018 HW Tech100 Winner: Factom

A collaborative blockchain platform works to create an unalterable record for loan documents
Factom’s Harmony is a collaborative blockchain platform that works with existing document management solutions to create an unalterable record for loan documents.
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From HW Magazine

2018 HW Tech100 Winner: Fannie Mae

Underwriter service leverages digital data from vetted third-party vendors
Fannie Mae’s Desktop Underwriter validation service leverages digital data from vetted third-party vendors to validate borrowers’ income, assets, and employment. The report cuts the time from loan application to final approval from 50 days to as little as 25.
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From HW Magazine

2018 HW Tech100 Winner: Financial Industry Computer Systems (FICS)

Mortgage technology enables lenders to maintain added control over customers' loan data
Financial Industry Computer Systems provides in-house mortgage loan origination, residential mortgage loan servicing, and commercial mortgage loan servicing software. FICS’ advanced mortgage technology enables lenders to maintain added control over customers’ loan data and gives them the option of managing both LOS and servicing technology through a single vendor.
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From HW Magazine

2018 HW Tech100 Winner: Finastra

MortgagebotMobile is a cloud-based loan application solution for regulated lenders
Finastra’s MortgagebotMobile is a completely mobile, cloud-based loan application solution for regulated lenders. MortgagebotMobile is highly configurable, allowing lenders to customize and implement it to their unique specifications.
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From HW Magazine

2018 HW Tech100 Winner: Finicity

Finicity Reports is an online portal where lenders access and manage reports
Financial data aggregator and insights provider Finicity is rapidly moving the industry towards an all-digital verification process. The company’s suite of credit decisioning products includes asset and income verification and an online report management platform, Finicity Reports. Lenders can access and manage reports through Finicity Reports, a simple and intuitive online portal.
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From HW Magazine

2018 HW Tech100 Winner: First American Mortgage Solutions

Solutions for the entire loan lifecycle
First American Mortgage Solutions specializes in problem solving for lenders and servicers in the new TRID era of lending. The company has evolved to deliver solutions for the entire loan lifecycle. The company’s range of solutions include technology and data optimization at every touch point of the mortgage loan spectrum.
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From HW Magazine

2018 HW Tech100 Winner: Floify

Platform designed to use secure methods of document collection, verification and cloud-based technology
Floify’s platform was designed to use the most secure methods of document collection, verification and cloud-based technology. With the company’s unlimited storage capabilities, mortgage professionals are able to scale business while remaining confident about security, privacy, and loan file integrity. Floify offers an integrated and embeddable 1003, which translates borrower data directly to a loan file.
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From HW Magazine

2018 HW Tech100 Winner: Freddie Mac

ACE enables lenders to originate a loan without traditional appraisal
Through ACE, Freddie Mac leverages big data and advanced analytics and enables lenders to originate a loan without a traditional appraisal and with immediate certainty. ACE can speed up, simplify and lower the cost of the loan origination process for both lenders and their borrowers by eliminating the appraisal fee.
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From HW Magazine

2018 HW Tech100 Winner: Genworth MI

New site combines advanced cloud-based technology with insights from customers
Genworth Mortgage Insurance’s new website, which launched in the fall of 2017, combines advanced cloud-based technology with insights from the company’s customers. The new site’s technical features include a visual pipeline tracking system, reduced data entry for quick application submissions and online mortgage insurance activation.
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From HW Magazine

2018 HW Tech100 Winner: Homevibe

Upkeep Score summarizes the condition of a house into one number that can be tracked
The company developed Upkeep Score, a metric that summarizes the condition of a house into one number that can be tracked over time and across various dimensions. The metric enables home buyers to compare homes to others in the neighborhood or to others that were built in the same year.
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From HW Magazine

2018 HW Tech100 Winner: HouseCanary

A collaboration with Google powers the residential real estate datasets
In March 2017, the company announced a collaboration with Google to power the residential real estate datasets for Google Cloud Platform Commercial Datasets.
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From HW Magazine

2018 HW Tech100 Winner: Ignite Integration Solutions

Solutions for mortgage lenders offers a data and document expert tool
Ignite, a custom software provider, offers solutions to mortgage lenders that enable them to control costs, streamline workflow and drive increased productivity and efficiency. The company offers a data and document export tool created to run on an auto-task scheduler for extracts to be available for a third-party vendor to receive on a timely basis.
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From HW Magazine

2018 HW Tech100 Winner: Informative Research

Txt2Qual provides pre-qualification status and contact information in 60 seconds
Informative Research’s newest solution, Txt2Qual, generates more leads for lenders by automatically providing an applicant’s prequalification status and contact information within 60 seconds. Txt2Qual gives lenders a full credit profile and FICO scores using a soft credit pull, reducing out-of-pocket spend and impact on the applicant’s credit score.
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2018 HW Tech100 Winner: Insellerate

Solution for lenders to house all touchpoints of the mortgage sales process
Insellerate is an end-to-end solution for lenders to house all touchpoints of the mortgage sales process. The solution combines telephone reporting and functionality, lead data, LOS integration, as well as marketing automation and insights to provide a clear picture of the borrower journey.
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From HW Magazine

2018 HW Tech100 Winner: Land Gorilla

First cloud-based system for construction loan management
Land Gorilla pioneered a proactive way of efficiently managing construction loans by creating the first cloud-based system for construction loan management. The Construction Loan Manager by Land Gorilla empowers lenders to participate as they reduce construction non-completion, monitor contractor performance, view potential portfolio risks, and improve the borrower and builder experience.
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From HW Magazine

2018 HW Tech100 Winner: LBA Ware

CompenSafe gives lenders the flexibility to implement incentive compensation plans
Software developer LBA Ware’s applications automate traditionally manual business processes, creating an integrated software environment for lenders that maximizes their productivity and operational efficiency. LBA Ware’s flagship solution, CompenSafe, gives lenders the flexibility to implement incentive compensation plans for recruiting and retaining top talent while eliminating the complexity of managing multiple compensation plans manually on spreadsheets. 
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From HW Magazine

2018 HW Tech100 Winner: LendingHome

Proprietary technology platform improves the application and document-collection process
In 2017, LendingHome updated its proprietary technology platform to improve the application and document-collection process. Now, 80% of loan applications are processed without the customer needing to speak to a LendingHome employee.
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From HW Magazine

2018 HW Tech100 Winner: LoanCare

Building the first digital servicer in the mortgage industry
With the use of digital agents and bots in key areas of the business, LoanCare, the nation’s third largest subservicer, is building the first digital servicer in the mortgage industry. LoanCare’s proprietary Eureka Cloud Data Platform is a servicing data access platform that delivers hundreds of data extracts and report deliverables every day for clients.
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2018 HW Tech100 Winner: loanDepot

mello puts consumers in the driver's seat
loanDepot recently launched its proprietary technology platform, mello, to streamline the loan process to a blended digital/local relationship covering all aspects of consumer lending and homeownership. With mello, consumers can run any mortgage or non-mortgage loan from application through funding from any device on their own or with local loan consultants who can advise the process.
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2018 HW Tech100 Winner: LoanLogics

LoanHD is widely used for highly automated mortgage quality control
LoanLogics’ core product is the LoanHD loan quality platform, a significant driver of the company’s revenue growth and one of the most widely used technology platforms in the mortgage industry. LoanHD’s capabilities enable real-time, highly automated mortgage quality control and provide significant productivity lift as compared to manual internal audits, other technologies or third-party audit services.
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From HW Magazine

2018 HW Tech100 Winner: London Computer Systems

Rent Manager is an advanced, self-contained software solution for property managers
London Computer Systems develops business tools for property managers of any size. Its flagship offering, Rent Manager, is an advanced, self-contained software solution. The tool combines a powerful property management database with integrated accounting, contact management, work order and marketing solutions and a versatile API for online customers.
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2018 HW Tech100 Winner: Matic

A digital homeowner's insurance marketplace that helps lenders and servicers integrate HOI into the mortgage process
Matic is a digital homeowner’s insurance marketplace that helps lenders and servicers integrate HOI into the mortgage process. The company brings the HOI point of sale inside the mortgage transaction to improve the borrower experience and help lenders close more loans in less time and at a lower cost.
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From HW Magazine

2018 HW Tech100 Winner: Maxwell

Cloud software provides a customizable and intelligent loan application
Maxwell’s cloud software is simple and intuitive made with a fully mobile-responsive, modern design to impress borrowers and enable originators to effortlessly manage loans on the go or in the office. The company’s secure borrower portal centralizes all interactions and provides a customizable, intelligent loan application powered by proprietary algorithms that dynamically adjusts questions, needs and tasks.
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From HW Magazine

2018 HW Tech100 Winner: MortgageHippo

Mortgage platform guides consumers through each step of the mortgage process
MortgageHippo works with lenders to devise and implement digital mortgage strategies based on its consumer-centric platform. The mortgage platform guides consumers through every step of the mortgage process and facilitates the transaction between a borrower, the loan officer and other important parties, such as the real estate agent.
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From HW Magazine

2018 HW Tech100 Winner: Notarize

Launched three digital products to improve and actualize the digital mortgage closing process
Last year, Notarize launched three digital products to improve and actualize the digital mortgage closing process. Notarize for Mortgage digitizes the entire closing process to make it efficient and secure to buyers, sellers, lenders, title companies and realtors.
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From HW Magazine

2018 HW Tech100 Winner: OpenProperty

Reverses how ratings are traditionally collected
OpenProperty reverses how ratings are traditionally collected. Apartment renters sign up and OpenProperty then extracts lease data from the property management system to generate ratings. Data is uniquely objective, focused, and accurate. Data from one lease is also applied into two ratings.
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2018 HW Tech100 Winner: Optimal Blue

The company’s Investor Network Management solution provides market-leading investors with network access
Optimal Blue is an operator of the industry’s Digital Mortgage Marketplace, which connects originators, investors and providers with a unified technology and value-added services platform. The platform enables originators to automate their entire secondary marketing operation, from content through commitment, with enterprise automation that is specifically designed for the diverse business models of mortgage banks, mortgage brokers, retail banks and credit unions.
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2018 HW Tech100 Winner: PeerStreet

Offers three core technology platforms for investors and lenders
PeerStreet offers three core technology platforms.  For investors, PeerStreet’s technology allows them to invest in real estate debt on an intuitive, easy-to-use platform. Investors can choose individual properties and view detailed investment metrics. For lenders, PeerStreet connects them to the global capital markets through its platform, and also offers a comprehensive suite of tools and technology to help them compete more effectively.
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2018 HW Tech100 Winner: PerfectLO.com

Online questionnaire creates a systematic approach to a mortgage interview and application
PerfectLO’s online questionnaire was developed by former mortgage professionals, underwriters and a software team to create a logical and systematic approach to a mortgage interview and application. As borrowers answer questions on PerfectLO’s interactive questionnaire, a document checklist is created.
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2018 HW Tech100 Winner: PromonTech

Borrower Wallet is designed to help mortgage bankers compete with mega lenders
PromonTech’s Borrower Wallet is a white label, omni-platform point-of-sale that is designed to help mortgage bankers  provide the same customer experience and digital mortgage solutions being offered by mega lenders. The Borrower Wallet is available via web or mobile device, on either a self-serve or assisted basis with loan officer assistance.
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2018 HW Tech100 Winner: Quandis, Inc.

The company delivers the majority of its applications on a SaaS basis and others as smart-client solutions
Quandis is a default management mortgage technology solutions provider. Quandis’ solutions include foreclosure automation, short sale portals, a valuations systems and hub, bankruptcy status searches, military search services, skip tracing systems, collection solutions, as well custom application development. The company delivers the majority of its applications on a SaaS basis and others as smart-client solutions that reside onsite at the client’s location. 
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2018 HW Tech100 Winner: Realeflow

Automates every step of the real estate investing lifecycle
Realeflow enables real estate investors to build successful businesses, automating every step of the real estate investing lifecycle – lead generation, analysis, acquisition, rehab management, resale, and holding. Realeflow’s suite is built around a powerful CRM that manages and organizes every deal from beginning to end.
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2018 HW Tech100 Winner: Red Bell

Pyramid Platform web-based portal allows many items to be customized and adjusted by client and pool
Red Bell’s Pyramid Platform is a secure web-based portal that uses task driven management to manage REOs, rentals, loss mitigation and short sales. The platform allows workflows, real-time reports, key performance indicators, forms and many other items to be customized quickly and adjusted by client and pool.
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2018 HW Tech100 Winner: Remine

A platform that combines property and consumer data for real estate professionals
Remine is a new category in real estate technology – a platform that combines property and consumer data to create actionable intelligence for real estate professionals. Remine delivers new content around property and people and gives agents a visually rich experience of data.
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2018 HW Tech100 Winner: ReverseVision

RV Exchange connects all industry users to one platform
RV Exchange, ReverseVision’s flagship loan origination system, serves as a centralized exchange connecting all industry users — brokers, lenders, investors, service providers, sub-servicers and more — to one platform. Users share documents and information for each part of the loan process within the same loan file, reducing errors and redundancies throughout the lifecycle of a HECM loan.
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2018 HW Tech100 Winner: Roofstock

Roofstock Neighborhood Rating is the industry's first-ever single-family rental rating index
In October, Roofstock announced the industry’s first-ever single-family rental ratings index for U.S. neighborhoods, powered by a proprietary algorithm that assesses neighborhood-specific risk. The Roofstock Neighborhood Rating normalizes neighborhood data across markets, enabling buyers to easily compare rental properties on an even footing and make informed decisions.
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2018 HW Tech100 Winner: RynohLive

A web-based bridge application for escrow account management practices
RynohLive is a web-based, bridge application for escrow account management practices. The company offers continuous end-to-end account auditing, daily reconciliation, transaction monitoring, anti-fraud algorithms and built-in automated reporting.
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2018 HW Tech100 Winner: Secured Legal Services Group

Client portal allows real-time collaboration where attorneys and servicers use the same platform
Secured Legal is committed to replacing the current hierarchical model of law firm-servicer relationships with peer-to-peer interactivity using a web-based client portal. Secured Legal’s client portal allows for real-time collaboration where attorneys and servicers use the same platform, rather than redundant systems.
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2018 HW Tech100 Winner: SimpleNexus

A private-label solution that connects lenders to borrowers and realtors to solutions
The company offers a private-label solution that connects lenders with its borrowers and Realtors to a single, branded solution to easily exchange data and documents throughout the entire loan lifecycle. Borrowers are able to search for homes, apply for a mortgage, run calculations, upload documents and see real-time status of their loan progress.
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2018 HW Tech100 Winner: Simplifile

Partnered with Docutech, Simplifile delivers eSign, eNotarization and e-recording to lenders and borrowers
Simplifile has partnered with Docutech to combine Docutech’s Solex eClosing solution with Simplifile’s services. As a result, Simplifile helps deliver the superior functionality of a digitally streamlined eSign, eNotarization and e-recording to settlement agents, lenders and borrowers.
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2018 HW Tech100 Winner: StreamLoan

A cloud-based technology platform brings together all parties of the mortgage process
StreamLoan is a mobile-first, cloud-based technology platform. The company brings together all parties of the mortgage process including the real estate agent, borrower and loan officer and their team in a cloud-based collaborative environment. The platform allows real estate agents to source leads for the lender in real time and allows the borrower to go through the entire mortgage process in minutes.
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2018 HW Tech100 Winner: Street Resource Group

Flagship technology dedicated solely to the needs of mortgage warehouse lenders
Street Resource Group is the only technology and consulting company dedicated solely to the needs of mortgage warehouse lenders. Fifty of the approximately 80 warehouse lenders in the mortgage industry use the company’s technology and services. Street Resource Group’s flagship technology product, the Warehouse Loan System, completely automates the entire mortgage warehousing process and improves efficiency and profits for both warehouse lenders and independent mortgage bankers.
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2018 HW Tech100 Winner: Sutherland

Mobile app streamlines and expedites the loan modification and loss mitigation process
Sutherland’s offerings span the entire mortgage lifecycle including origination, underwriting, pre-funding quality control and compliance review, closing and funding, post-funding QC compliance and loan servicing. Sutherland also delivers solutions including data analytics, robotics processing automation, design thinking, and mobile apps to handle origination and loan modification processes.
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2018 HW Tech100 Winner: TMS

SIME platform provides lenders with information like customer calls, reports and loan details
TMS, which was known as The Money Source for its first 20 years in business, recently expanded into subservicing with the launch of its subservicing solution, Servicing Intelligence Made Easy (SIME). The platform provides lenders with information like recorded customer calls, delinquency reports and loan details in real-time.
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2018 HW Tech100 Winner: Total Expert

Provides a centralized marketing system of record and CRM software solution
Total Expert provides a centralized marketing system of record and CRM software solution that gives lenders control over branding, messaging, disclosures, cost splits and distribution of any marketing material utilized through the system. The system integrates seamlessly with loan origination systems, pricing engines, and point of sale solutions, allowing lenders to maximize effectiveness.
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2018 HW Tech100 Winner: ValueLink Software

Appraisal management software tracks all appraisal orders from a single location
ValueLink’s appraisal management software provides appraisal management companies, lenders, and appraisers with the ability to manage and track all their appraisal orders from a single location, while also maintaining regulatory compliance. The cloud-based system is integrated with major loan origination systems and order management platforms used by lenders, and can be accessed from any location on multiple devices.
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From HW Magazine

2018 HW Tech100 Winner: ValuTrac Software

ValuTrac Pro and ValuTrac Pro Plus offer appraisal solutions
ValuTrac Software has been providing appraisal and valuation management SaaS technologies to appraisal management companies, banks, credit unions, and mortgage lenders since 2009. ValuTrac offers its flagship product ValuTrac Pro for residential appraisal management, as well as ValuTrac Pro Plus for residential and commercial appraisal management, along with several other appraisal solutions.
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2018 HW Tech100 Winner: Vendorly

SaaS-based oversight platform is designed to help financial institutions manage their vendors
Vendorly, which launched in the spring of 2016, provides financial institutions with tech-based vendor management processes. The company offers an external-facing, SaaS-based oversight platform that is designed to help financial institutions manage their vendors and meet regulators’ dynamic vendor oversight guidelines. The company’s platform helps manage vendor risk by streamlining vendor due diligence, document maintenance, and ongoing monitoring across all vendor types involved in mortgage origination and servicing processes.
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2018 HW Tech100 Winner: Ventanex

LIFT is a 100% cloud-based solution that integrates with all major loan servicing platforms
Ventanex LIFT, the company’s proprietary transaction technology platform, streamlines and integrates the management of online bill payments and messaging for mortgage servicers. LIFT is a 100% cloud-based solution that integrates with all major loan servicing platforms. LIFT brings data from internal and third-party systems together to give servicers consolidated control from a single dashboard.
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2018 HW Tech100 Winner: Veros

Created two new valuation solutions: VeroDATAFI and VeroPRECISION
In 2017, Veros introduced a host of new valuation solutions, including VeroDATAFI and VeroPRECISION. Veros created VeroDATAFI to address the UCD mandate and provide lenders with a data management solution that streamlines and automates the secure delivery of UCD files directly to Fannie Mae and Freddie Mac.VeroPRECISION is a property-specific valuation rules engine that uses Veros’ analytics, AI  and machine learning to instantly determine if an AVM is the right valuation tool for the subject property.
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2018 HW Tech100 Winner: Westcor Specialty

Brings innovation to marketplace participants outside of traditional products and services
Westcor Specialty is the technology arm of Westcor Land Title Insurance Company. Westcor Specialty works to identify ways Westcor can bring innovation to marketplace participants outside of its traditional title insurance products and services. Westcor Specialty creates new products and services, focusing on new and emerging segments of the marketplace.
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2018 HW Tech100 Winner: Whiteboard Mortgage Software

CRM is designed for mortgage professionals created by top producing industry leaders
Whiteboard Mortgage CRM is designed for mortgage professionals and aims to be the most user-friendly and intuitive CRM on the market. Whiteboard Mortgage CRM is powered by The Mortgage Playbook, which includes pre-built, automated marketing plans and materials. Created by top producing industry leaders and professionals, The Mortgage Playbook helps mortgage professionals grow their business with campaigns for the entire loan process and more.
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2018 HW Tech100 Winner: Xome

Enables buyers and sellers to better understand the value of a home and conditions of the local market
Xome aims to be a true “one-stop shop” for the real estate process, taking buyers and sellers from search and discovery, to managing offers, to closing escrow. Xome also offers technology that enables sellers to maximize exposure by self-listing their home directly to the MLS without the cost of an agent. Xome enables buyers and sellers to better understand the value of a home and conditions of the local market, thanks to Xome’s AI and data science team, which has built a lender-grade valuation model that is publicly available on the company’s consumer-facing website.
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From HW Magazine

The pitfalls of depending on automation in post-close valuations

What happens when multiple valuations don't match?
Accurate, trustworthy valuations require taking a deeper look. That’s why it’s important to have a valuation expert independently review every valuation report and determine whether it makes sense. The most trustworthy valuation providers have a team of highly trained reviewers on staff who diligently analyze every comparable on a valuation report and ask: “Will a potential buyer consider this property similar to the subject property?”
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Blockchain can't be your Magic 8 Ball

But sharing unalterable data provides a better foundation for your decisions
Blockchain is the best solution for data. It has supporting architecture in order to confirm that the data is always current and the recipient never has to worry about it changing without their knowledge. Blockchain builds on the art world’s concept of provenance, making data more valuable because of its continued validation by multiple qualified sources over time.
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The consequences of over-relying on tech to drive customer satisfaction

Trust and loyalty are still built by personalized customer service
Technology’s integration into our professional lives has in many cases rendered personalized interactions obsolete. But the severity of that shift still heavily depends on the industry in question and, despite what some believe, there will always be a place in the mortgage business for a human touch.
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