Financial Services

Optimize Your Strategy For Today’s Housing & Mortgage Market

Lenders today are searching for optimum functionality and a simplified implementation for their application needs. Our cost-effective automated lending solutions offer you accelerated turn-around times with scalable customization to match your lending requirements. At Trak-1 we deliver economic value to your organization by using “best in class” evaluation instruments to identify, assess and prioritize your risk. We supply our clients with a competitive advantage by providing “best in organization” customer service, economical bundled solutions, long-standing client relationships and a reputation as a trusted provider and systems expert.


Some of our services include:

Credit Reporting

Reading credit reports can be complex and confusing. To know that you can be confident about your decision making, you have to know that you are interpreting the credit information correctly. Using UltraAMPS technology, a Credit System Design (CSD)™ solution, Trak-1 offers the mortgage industry’s premier Internet-based automation solution for credit reporting. With over 20 years of experience developing systems exclusively for the mortgage industry, UltraAMPS offers the most technologically advanced, most cost effective and incredibly powerful solution available in the market place today. We support over 100 interfaces to the industry’s leading service providers, among the highest available anywhere.


ID Verification

Precise ID℠ gives you the most complete and accurate view of a consumer's identity so you can make the right decision when it counts—at the point of application.

  • Risk based approach considers credit and non-credit data as well as scores and analytics.
  • Optional knowledge-based authentication supports expanded investigations of suspect accounts.
  • Custom rules flexibly support interpretations of your credit, fraud and compliance policies.
  • FCRA and GLB compliance aids in meeting mandated government and industry compliance.
  • Extendable tool set designed to seamlessly meet all of your fraud prevention needs.
  • Proven analytics and scoring expertise help balance the risk and reward in your fraud strategy.

Flood Determination

  • Flood Zone Determinations

    Our automated flood zone determination service allows you to improve compliance and profitability. Using just a street address you can check to see if a property is within a flood zone. This service also performs determinations on entire portfolios—making the process even faster and more cost effective.

  • Life-of-Loan Flood Zone Determinations

    This service combines a flood zone determination with flood zone map tracking and follow-up reports for the life of a loan. You’ll receive automatic notification within 60 days of any changes to the flood zone, map or community status of the property. As a result, you will not need to re-order determinations and you can be confident that your flood zone information is accurate for the life of the loan.

  • HMDA-LAR Flood Zone Determinations

    Ensure higher levels of compliance with the Home Mortgage Disclosure Act (HMDA) by using the HMDA Loan Application Report (LAR) to automatically identify geo-code information. A HMDALAR Flood Zone Determination returns geographic indicators for census tract, county code, state code and Metropolitan Statistical Area.


Automated Property Valuations

An automated valuation model (AVM) may be the right choice for many loans, depending on your risk guidelines and credit policy. Much less expensive than a manual valuation or full appraisal, an AVM uses detailed local, regional and national information to provide valuations within seconds. You can also choose from multiple industry leading models to be sure of the right mix of AVMs for your lending criteria:

  • Freddie Mac’s Home Value—Explorer® (HVE)
  • RJ Peters’ AVMax
  • Real Info’s i-VAL™
  • DataQuick’s—ValueSmart™
  • MDA’s—Collateral Market Value (CMV)

Credit Bureau Rescoring

Rapid rescoring services are usually offered by independent credit reporting agencies; these services are used by mortgage lenders who are trying to get better loan terms for their borrowers. Removing errors can help boost a borrower’s credit score in the midst of the lending process and get them a loan, or a better rate, than might have been possible otherwise.


Fannie Mae Connectivity

Through CSD partnership with the National Credit Reporting Association (NCRA) we offer the lowest cost Fannie Mae access in the industry. CSD is also an approved vendor for Fannie Mae's MORNETPlus™ Network.


So what are you waiting for?

If you have any questions or would like some more information about how our Financial Services can benefit you and your organization,