Cotality vs Mastercard Open Finance

What the rubric says

Cotality and Mastercard Open Finance are both scored in Verification & Data. Cotality carries an overall of 4, Mastercard Open Finance an overall of 2.6. The widest gap between them is Functionality and depth, at 2.1 of a point. That axis measures whether it handles the messy loans and not just the clean file. Cotality takes it, 4.9 to 2.8.

Where the five axes separate

On Functionality and depth the record favours Cotality, 4.9 against 2.8. On Integrations and ecosystem the record favours Cotality, 4.4 against 2.8. On Production impact the record favours Cotality, 4 against 2.8. On Return on spend the record favours Cotality, 3.2 against 2.3. On Adoption and support the record favours Cotality, 3.2 against 2.3.

Names, because the URL and the brand differ

Mastercard Open Finance was formerly Finicity.

Pricing posture

Cotality does not publish pricing. Its listed model is quote only, enterprise contracts. Mastercard Open Finance 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 Mastercard Open Finance: Cloud, API. Segment focus for Cotality: Large lenders, servicers and capital markets participants buying property data at scale. Segment focus for Mastercard Open Finance: Large lenders and verification vendors buying permissioned bank data connectivity at scale. 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. Mastercard Open Finance: Mastercard states connectivity reaching roughly 95 percent of US deposit accounts. Mastercard Open Finance: Mastercard ownership removes counterparty risk from a dependency inside underwriting. Mastercard Open Finance: One connection supplies asset, income, employment and cash flow data plus owner verification.

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. Mastercard Open Finance: Finicity’s mortgage site is gone, and Mastercard restates no GSE approvals or product names. Mastercard Open Finance: No LOS or point of sale integrations named on the Open Finance pages. Mastercard Open Finance: Pricing and minimum commitment are undisclosed, down to the per-verification cost.

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 Mastercard Open Finance: Teams needing broad permissioned bank data from a counterparty with no solvency question.

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. Mastercard Open Finance: Finicity no longer exists as a standalone brand. Mastercard Open Finance: finicity.com redirects to Mastercard’s Open Finance site.

The short answer

Cotality finishes ahead on the published rubric, 4 to 2.6. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.