First American Data & Analytics vs The Work Number

What the rubric says

First American Data & Analytics and The Work Number are both scored in Verification & Data. First American Data & Analytics carries an overall of 3.8, The Work Number an overall of 3.4. The widest gap between them is Return on spend, at 1.8 of a point. That axis measures what the spend returns, which is not the same as being cheap. First American Data & Analytics takes it, 3.6 to 1.8.

Where the five axes separate

On Return on spend the record favours First American Data & Analytics, 3.6 against 1.8. On Functionality and depth the record favours First American Data & Analytics, 4.4 against 3.6. On Integrations and ecosystem the record favours The Work Number, 4.3 against 3.6.

Pricing posture

First American Data & Analytics does not publish pricing. Its listed model is quote only, priced per report and per data licence. The Work Number does not publish pricing. Its listed model is quote only, priced per verification.

Deployment and who each one targets

Deployment for First American Data & Analytics: Cloud, delivered as web platforms, APIs and bulk data licensing. Deployment for The Work Number: Cloud, reached by REST API, batch SFTP, web portal or direct LOS integration. Segment focus for First American Data & Analytics: Lenders, servicers and title operations that want fraud, valuation and property data. Segment focus for The Work Number: Any lender that needs instant employment and income data with GSE rep and warrant. 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. The Work Number: Authorized for Fannie Mae DU validation and Freddie Mac AIM, so hits bring relief.

What each record holds against them

First American Data & Analytics: No LOS integrations named anywhere on the product pages. The Work Number: Highest per-verification cost in the category; a class action alleges $17.85 rose to $66.45.

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 The Work Number: Lenders who need the highest instant hit rate and have decided to pay.

The short answer

First American Data & Analytics finishes ahead on the published rubric, 3.8 to 3.4. The margin comes mostly from Return on spend. Same rubric, same weights, no sponsorships.