- Frequently Asked Questions
Your Questions, Answered
Default Analytics, LLC provides Shadow Loan Fraud surveillance, detection, and resolution to reduce your risk and financial losses from the growing fraud market of unauthorized deed transfers.
Whether your concern is protecting collateral, avoiding losses, maximizing revenue or maintaining compliance, our system and service has you covered. We provide the information you need to know to quickly resolve and recover from the problems we identify.
Monitor. Detect. Protect.
General Questions
How does Default Analytics differ from other mortgage compliance monitoring services?
We offer a unique product: we focus on proactive public record monitoring to find suspicious title transfers and recording errors in public records. Our focused, cost-effective approach puts flagged information and tools in your hand to help your team easily confirm potentially serious issues. Once an issue is identified, you are a few clicks away from our partner’s expert title fraud resolution services.
Who benefits from using Default Analytics?
Lenders, servicers, investors, loan guarantors. Anyone who has a vested interest in the integrity and compliance of a mortgage portfolio. Our services also provide your mortgagees with an alert and support system to help protect them against potential property title fraud.
Process and Reporting
How frequently do you conduct portfolio assessments?
We recommend quarterly assessments, but the frequency can be tailored to your institution’s needs. In the case of a due-diligence loan pool assessment, we can also provide a one-time analysis of the entire pool for title compliance and potential fraud-damaged titles.
What does the color-coding in your reports represent?
Our reports use a simple color-coded system to prioritize issues:
- Green: No issues found.
- Yellow: Requires review for potential discrepancies.
- Red: Fraud alert – Immediate attention recommended.
What happens after an issue is flagged?
You can request a report or a detailed search and copies with just a few clicks. In a case where a borrower is shown to be in default, we can connect you with Default Resolutions which have a system in place to help resolve the issue.
Can Default Analytics integrate with our existing systems?
Yes. In many cases reports can be integrated directly into your data management system or accessed via our secure client portal where the file can be stored and from which documents can be downloaded. We only store public information on our portal. All Non-Public-Information (NPI) will be handled by our attorney partners.
Compliance and Security
How does Default Analytics help with mortgage compliance?
Unauthorized title transfers put the mortgage out of compliance and create additional risks to the equity and potentially to governmental and/or other guarantors. Other mistakes in title such as paid off mortgages that have not been properly released, can also create compliance issues for the lender or servicer. By finding and correcting these issues quickly, the property ownership and mortgage record is kept in compliance and potential losses are avoided or mitigated.
How secure is the data we share with Default Analytics?
Security is our top priority even though we do not store any NPI. We use industry standard encryption and secure systems to protect sensitive data at every stage using industry best standards.
Does your process comply with lending regulations?
Yes, our services are compliant with industry standards and regulations, ensuring peace of mind for your institution. We implement end-to-end encryption and maintain continuous monitoring to ensure data integrity and confidentiality. Our infrastructure is hosted on cloud environments that meet or exceed these compliance standards, leveraging automated compliance checks and real-time threat detection to mitigate risks proactively. This framework not only ensures regulatory adherence but also fortifies your institution against potential cyber threats, providing a robust, secure operational foundation.
Costs and ROI
How much does your service cost?
Pricing is based on portfolio size and the frequency of assessments and the jurisdictions covered. We offer transparent, flat-fee pricing to keep costs predictable and affordable. Any additional information you need is readily available at competitive rates. Contact us for a free quote based on your specific needs.
How Can DA Impact my Balance Sheet?
Absolutely. Default Analytics doesn’t just save money—it helps protect the integrity of your entire portfolio and your investor relationships. Hidden risk doesn’t stay contained. What starts as a single misrepresented loan can spread—impacting default exposure, distorting pricing, eroding asset values, and creating compliance challenges. Just as important, these issues can undermine investor confidence, especially when performance doesn’t align with expectations or disclosures. In many cases, the indirect costs—pricing adjustments, repurchase exposure, reputational damage, and increased scrutiny—far exceed the original loss tied to a single loan.
By identifying and addressing these risks early, we help you stop that spread, maintain pricing discipline, and protect both portfolio performance and investor trust. At the same time, our tech-enabled, expert-led approach replaces costly, manual monitoring and resolution—delivering both protection and operational efficiency.
Is there a long-term contract requirement?
No, we offer flexible agreements tailored to your needs, ensuring you only pay for the services you use.
Getting Started
How do we get started with Default Analytics?
Simply reach out to us and our team will show you how our services can fit seamlessly into your operations.
How quickly can we implement your services?
Implementation is fast and straightforward. In as little as a few days we can begin your first portfolio assessment.
Have More Questions?
We’re here to help. Contact us for more information to see Default Analytics in action.