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ADV 120

Application Data Verification overview

A comprehensive data verification solution that is investor approved and easily tailored to match a lender’s risk criteria.

Verification of all borrower information provided during loan application is powered by the strongest data available in the market.


Instantly assess the risk associated with the borrowers, employers, property, and loan participants.


Reduce valuable underwriting time while ensuring compliance with fast and intuitive alert clearing.  All while never having to leave your LOS.

The ADV-120 report is a smart way to understand your borrowers and identify fraud situations.


  • Alerts Summary

  • Borrower Identity Verification

  • Property Ownership & Foreclosure History

  • MERS Lien Check

  • Employer ID

  • Subject Property Details & Comps

  • Home Price Index

  • FEMA Declared Disasters

  • Loan Participant Exclusionary Checks

  • Appraiser License Checks


  • Risk Score

  • Civil Court Search

  • AVM

  • Wire Transfer Bank Acct Verification

  • Settlement Company Vetting



Reduce the time working to manage risk alerts

  • ADV includes innovative tools and services to remove or reduce the labor to research, clear and document alerts



Integrated research tools

  • Instantly order reports to research & clear alerts



Messaging with fraud specialist

  • Integrated messaging with our fraud researchers who can help research alerts



Cleared by Lender

  • Instantly update the report

  • Change Fail to Cleared by Lender, enter journal notes and append supporting documents to ADV

  • ADV is instantly rebuilt including the journal notes and attachments and automatically transferred to LOS


Call today to lower your TOTAL cost of fraud detection

One of a Kind Encompass Interface

Automatically trigger tailored loan level alerts and underwriting conditions in Encompass based on fraud report findings.

ADV checks ALL loan participants against all exclusionary lists

  • Checks custom and investor exclusion lists 

  • Checks all internal and external file contacts, as well as custom roles. 

  • Instantly returns report to eFolder.


ADV is available in the Services View in Encompass. Users never leave Encompass to:

  • Clear alerts on the fraud report

  • Access integrated research reports

  • Message with fraud research specialists


Users login to ADV ordering platform only once, after login is saved for future ease of access.

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