Cotality vs Data Facts

What the rubric says

Cotality and Data Facts are both scored in Verification & Data. Cotality carries an overall of 4, Data Facts an overall of 2.3. The widest gap between them is Functionality and depth, at 2.6 of a point. That axis measures whether it handles the messy loans and not just the clean file. Cotality takes it, 4.9 to 2.3.

Where the five axes separate

On Functionality and depth the record favours Cotality, 4.9 against 2.3. On Integrations and ecosystem the record favours Cotality, 4.4 against 2.3. On Production impact the record favours Cotality, 4 against 2.1. On Return on spend the record favours Cotality, 3.2 against 2.3. On Adoption and support the record favours Cotality, 3.2 against 2.6.

Pricing posture

Cotality does not publish pricing. Its listed model is quote only, enterprise contracts. Data Facts does not publish pricing. Its listed model is quote only.

Deployment and who each one targets

Deployment for Cotality: Cloud, APIs, cloud marketplace delivery and LOS integrations. Deployment for Data Facts: Cloud, ordered through LOS integrations or a web portal. Segment focus for Cotality: Large lenders, servicers and capital markets participants buying property data at scale. Segment focus for Data Facts: Community banks and credit unions that buy mortgage credit and employment screening from the same. The two entries name different buyers.

What each record credits

Cotality: One counterparty covers property data, flood, tax servicing, valuation and fraud scoring. Cotality: Stone Point Capital and Insight Partners ownership since 2021 brings rare capital depth. Cotality: Data ships through Snowflake and Databricks marketplaces, not only proprietary APIs. Data Facts: One vendor covers lending and employment screening, which suits banks and credit unions. Data Facts: Publishes direct connections to Fannie Mae DU and DO and Freddie Mac LPA. Data Facts: Flood certifications fulfilled through ServiceLink against current FEMA data.

What each record holds against them

Cotality: Bundled, opaque pricing makes per-product cost hard to isolate at renewal. Cotality: Enterprise sales and implementation run long against point-solution rivals in every category. Cotality: The 2025 rename means contracts and references still carry both names. Data Facts: Short, dated LOS list, still naming Ellie Mae ePASS and Byte 2.0. Data Facts: The homepage leads with background screening; mortgage buyers dig to find lending. Data Facts: No pricing published and no ownership or parent detail disclosed.

Which one fits which shop

Best fit for Cotality: An enterprise that wants property, flood, tax and valuation data from one counterparty. Best fit for Data Facts: An institution consolidating mortgage credit and background screening under one contract.

What each entry concludes

Cotality: Cotality is CoreLogic renamed in March 2025, private under Stone Point Capital and Insight Partners since June 2021. Cotality: The lending catalogue runs property and address data, flood determinations, tax servicing, and valuation through Mercury Network. Data Facts: Data Facts runs two businesses under one roof: background and tenant screening, and a mortgage lending division. Data Facts: The lending side sells credit reports, verifications, fraud prevention, appraisal tools, flood certifications through ServiceLink, and portfolio monitoring.

The short answer

Cotality finishes ahead on the published rubric, 4 to 2.3. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.