First American Data & Analytics vs Plaid

What the rubric says

First American Data & Analytics and Plaid are both scored in Verification & Data. First American Data & Analytics carries an overall of 3.8, Plaid an overall of 3. The widest gap between them is Functionality and depth, at 1.3 of a point. That axis measures whether it handles the messy loans and not just the clean file. First American Data & Analytics takes it, 4.4 to 3.1.

Where the five axes separate

On Functionality and depth the record favours First American Data & Analytics, 4.4 against 3.1. On Production impact the record favours First American Data & Analytics, 3.7 against 2.7. On Integrations and ecosystem the record favours First American Data & Analytics, 3.6 against 2.8.

Pricing posture

First American Data & Analytics does not publish pricing. Its listed model is quote only, priced per report and per data licence. Plaid publishes pricing. Its listed model is published tiers (pay as you go, growth, custom) with a free evaluation allowance; per-item rates quote. One of the two can be costed before a sales call, the other cannot.

Deployment and who each one targets

Deployment for First American Data & Analytics: Cloud, delivered as web platforms, APIs and bulk data licensing. Deployment for Plaid: Cloud, API with a sandbox and live-data trial. Segment focus for First American Data & Analytics: Lenders, servicers and title operations that want fraud, valuation and property data. Segment focus for Plaid: Developers and lenders building permissioned bank data into their own borrower flows. The two entries name different buyers.

What each record credits

First American Data & Analytics: FraudGuard bundles occupancy, identity, watchlist, licensing and valuation checks into one report. Plaid: Publishes a real pricing structure with named tiers, which almost nobody here does.

What each record holds against them

First American Data & Analytics: No LOS integrations named anywhere on the product pages. Plaid: No GSE validation or origination system integration is published on its public pages.

Which one fits which shop

Best fit for First American Data & Analytics: Lenders consolidating fraud screening, valuation and property records onto a single contract. Best fit for Plaid: Teams building their own borrower connection flow rather than buying a packaged verification report.

The short answer

First American Data & Analytics finishes ahead on the published rubric, 3.8 to 3. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.