Factual Data review
Factual Data is a Income & Asset Verification product from CBC Companies. MortgageTechReview scores Factual Data 3.9 out of 5.0, ranking Factual Data #11 of the 35 products tracked in Income & Asset Verification Software, as of August 11, 2026. Scores on MortgageTechReview are weighted across five axes and are never paid for or influenced by a vendor relationship.
Factual Data wins on distribution, not on the data itself. It is CBC Companies' mortgage credit brand, selling tri-merge and pre-qualification reports plus debt monitoring, verifications, flood determinations and valuations. The company publishes more than 250 system integrations, with a named LOS list past thirty platforms. A lender on an uncommon or legacy system finds a working connection here more often than at a smaller reseller. What you do not get is price transparency, and the credit data is the same bureau product every reseller sells.
How Factual Data compares to Model Match
Ranked first in VOI/VOAModel Match currently scores highest in VOI/VOA, so every other product in the category is compared against it here. That is a ranking on our published rubric rather than a recommendation, and it changes when the scores change. Category Leader
| Axis | Factual Data | Model Match |
|---|---|---|
| Production impact | 3.6 | 4.9 |
| Functionality & depth | 3.8 | 4.8 |
| Integrations & ecosystem | 4.6 | 4.3 |
| Adoption & support | 3.8 | 4.9 |
| Return on spend | 3.8 | 4.9 |
| Overall | 3.9 | 4.8 |
Factual Data wins 1 of 5 axes against Model Match, on the weight profile published for this category. Full head-to-head →
Where it wins
- Publishes over 250 integrations, including thirty-plus LOS platforms and a POS list
- Innovis Early View screens credit and identity risk cheaper than a tri-merge
- Product line runs pre-qualification through post-closing, including debt monitoring and verifications
- CBC Companies ownership brings more balance sheet than a regional reseller
Where it falls short
- No pricing published anywhere on the site
- Same bureau data every reseller sells, so only delivery and service differ
- Integration breadth is self-published; test connection depth before signing
- Rapid rescoring and fraud tools are referenced without product-level detail
Why it scores 3.9
Scored on the Verification & Data weight profile. The number shows where it sits in this category. It rests on evidence anyone can check, including the vendor's own record. The weights →
Production impact
25% of scoreFriction removal, not new volume. Soft-pull prequalification and pre-approval reports let originators screen before a hard inquiry, and Innovis Early View screens credit and identity risk cheaper than a tri-merge. Undisclosed debt monitoring catches new debt between application and closing, which is where a clean file goes wrong late. Credit that lands in the loan file without a portal detour saves minutes on every loan. None of it changes the economics of a credit pull.
Functionality and depth
20% of scoreThe catalog is complete for a mortgage credit reseller. Merged reports, soft-pull prequalification, VOE and tax and Social Security verification are here. So are flood determination, property valuation, debt monitoring and loan review reporting. Innovis Early View is the one unusual item, a cheaper credit and identity risk screen built on the Innovis file. Depth on fraud and rescoring is asserted, not documented publicly.
Integrations and ecosystem
20% of scoreThis is the reason to look at Factual Data. The published LOS list runs past thirty platforms, including ICE Mortgage Technology, MeridianLink, Calyx, Byte, nCino and FICS, and a separate point of sale list covers Blend, Floify, SimpleNexus, Roostify, BeSmartee, CloudVirga and Maxwell. More than 250 system integrations in all. Coverage of credit union and community bank cores stands out most. The list is self-published, so test connection depth, but nobody else comes close.
Adoption and support
10% of scoreImplementation is mostly credentials and configuration, because the connection for your system almost certainly already exists. That is the difference between going live in weeks and funding a project. CBC Companies ownership puts more balance sheet behind the account than a regional reseller carries. The trade is personality: this company sells to the whole lending community, so service is standardized. Buyers leaving a small reseller should expect a process, not a relationship.
Return on spend
25% of scoreScale under CBC Companies should mean competitive per-report pricing at volume, and integration breadth means you rarely fund custom development. That second saving is the one nobody quotes for. Innovis Early View is a real cost lever, screening early-funnel borrowers before a tri-merge is warranted. The ceiling is the data itself: the same bureau product every reseller sells, so delivery is the only durable value. No pricing is published anywhere.
On price. Nothing published. Negotiate the bundle, not the tri-merge in isolation. Ask where Innovis Early View prices against a full merged report. A cheaper early-funnel screen is the clearest structural saving on offer here.
