Cotality vs TransUnion

What the rubric says

Cotality and TransUnion are both scored in Verification & Data. Cotality carries an overall of 4, TransUnion an overall of 3. The widest gap between them is Integrations and ecosystem, at 1.6 of a point. That axis measures how well it reaches the rest of the stack. Cotality takes it, 4.4 to 2.8.

Where the five axes separate

On Integrations and ecosystem the record favours Cotality, 4.4 against 2.8. On Functionality and depth the record favours Cotality, 4.9 against 3.3. On Production impact the record favours Cotality, 4 against 3.1. On Return on spend the record favours Cotality, 3.2 against 2.8. On Adoption and support the record favours Cotality, 3.2 against 2.8.

Pricing posture

Cotality does not publish pricing. Its listed model is quote only, enterprise contracts. TransUnion does not publish pricing. Its listed model is quote only, per transaction against contracted volume.

Deployment and who each one targets

Deployment for Cotality: Cloud, APIs, cloud marketplace delivery and LOS integrations. Deployment for TransUnion: Cloud and API, reaching most lenders through mortgage credit reporting resellers. Segment focus for Cotality: Large lenders, servicers and capital markets participants buying property data at scale. Segment focus for TransUnion: Lenders buying bureau data and analytics directly, and the credit resellers that redistribute it. 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. TransUnion: One of three national bureaus; the data reaches every tri-merge file regardless. TransUnion: Added FactorTrust alternative credit attributes to mortgage reports in July 2026, free. TransUnion: One TruVision contract covers front book and back book risk.

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. TransUnion: No LOS, POS or servicing integration partner is named on the mortgage pages. TransUnion: Nothing about pricing is published; negotiated volume tiers govern everything. TransUnion: Most lenders reach it through a reseller, which controls service and dispute handling.

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 TransUnion: Lenders who want prescreen and portfolio analytics under their own bureau contract rather than a reseller’s.

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. TransUnion: TransUnion is one of the three national bureaus, so it is a data source before it. TransUnion: The direct product line is TruVision, covering acquisition reports, portfolio monitoring, property insight and income and employment verification.

The short answer

Cotality finishes ahead on the published rubric, 4 to 3. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.