The mortgage industry has undergone dramatic changes in the past few years. As a mortgage banker, community bank, credit union, retail or wholesale lender, you have experienced industry consolidation, evolving standards, technological changes, and intense competition for fewer loans. With all the noise in the marketplace, it is becoming harder and harder to differentiate yourself from your competitors and maintain a service level that will ensure customer satisfaction and referral business.

With over 60 years in the mortgage credit reporting business, Informative Research is in a unique position to assist the mortgage lending industry with programs and services that will improve efficiency and service levels for your employees and your customers, whether they be mortgage brokers or borrowers.

You might wonder how a credit provider could contribute to your company’s success. After all, you are probably asking yourself “isn’t credit a commodity?” The truth of the matter is that credit is possibly the single most important factor in qualifying a borrower for a mortgage loan and there are many facets of your relationship with your credit provider that can translate into increased efficiency and lower fallout. Calculate the benefit of being able to lock a loan earlier because of supplement turnaround or capturing one more customer a month because of an expedited bureau rescore. Pretty soon, those efficiencies can translate into big numbers.

As one of the first two credit providers integrated into Fannie Mae’s Mornet Network, Informative Research has a long history of working with top lenders to integrate technologies and provide reliable credit reporting services. We focus on your needs and requirements and look for ways to make business with IR more efficient. As such, Informative Research credit reports are accepted by a number of top banks and wholesale lenders. The list of lenders who are integrated with Informative Research represent a who’s who of the mortgage lending industry.

In addition to automated underwriting technologies, Informative Research is also working with the top loan origination software (LOS) vendors in the industry in order to provide seamless reissue connectivity for IR credit reports, which eliminates a potential score change.

IR’s network of connectivity allows you as a lender to benefit in several ways.

• Referrals from IR customer base
• Ability to accept broker reissues without scores changing
• Providing your brokers with CreditXpert simulation tools
• Ability to allow brokers to remove a borrower or co-borrower from a report to improve a score
• Assurance of adherence to industry technical standards

When you turn to Informative Research, you are getting more than another vendor relationship. Our experience and focus on credit ensure that all facets of your business work smoother. Whether that be from training opportunities for your loan officers or customers to dedicated customer service teams, you will quickly realize that a relationship with Informative Research means that you have a credit authority in your corner

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