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Mercury Network® vs. Other valuation platforms

Mercury Network® vs. Other valuation platforms

In today's volatile mortgage landscape, choosing the right collateral valuation platform is critical to protecting margins and compliance. Cotality's Mercury Network delivers a superior solution built on nearly 20 years of proven results, demonstrating long term stability and control. Whether moving away from manual processes or upgrading vendors, Mercury Network provides the secure infrastructure trusted by America’s largest lenders.

What makes Cotality different?

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Unbiased Independence

Unlike competitors that own their own Appraisal Management Companies (AMCs), Mercury Network operates strictly as a pure technology provider. This helps to ensure a true Appraiser Independence Requirements (AIR) firewall, protecting your business from regulatory scrutiny and ensuring your vendor selection remains completely objective.
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Unmatched network scale

Gain immediate access to the mortgage industry’s largest active marketplace, featuring over 26,000 independent appraisers and more than 250 AMCs. This massive scale helps to ensure you always have the right professionals available in every market, reducing turn times and eliminating geographic coverage gaps.
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Financial stability and trust

Launched in 2008, Mercury Network delivers unmatched operational reliability. Having guided lenders through the late-2000s mortgage crisis and the original UAD transition, we are battle-tested to endure industry volatility and regulatory shifts that younger, venture-backed startups have never experienced.
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Seamless LOS integrations

Streamline your entire valuation workflow with our deep, out-of-the-box integrations. Mercury Network connects effortlessly with over 40 leading Loan Origination Systems (LOS), including a highly optimized Encompass® integration, allowing your team to manage appraisals directly within their existing daily software systems.
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UAD 3.6 readiness

Navigate upcoming industry shifts with total confidence. Mercury Network is actively equipped to handle the transition to UAD 3.6, translating complex new data requirements into a seamless, touchless valuation process so your business is fully prepared well ahead of the November 2026 deadline.
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Quality-first efficiency

Avoid the repurchase risks associated with unlicensed data collectors. We enable true efficiency by automating up to 90% of standard orders while helping to ensure every appraisal is conducted by a licensed professional. You reduce origination costs without ever compromising on valuation quality or defensibility.

Why work with Cotality?

Mercury Network isn't just an order-routing software; it is the industry's ultimate vendor management and collateral management platform. Backed by Cotality’s unmatched property intelligence database, Mercury Network delivers true stability, deep compliance automation, and an unrivaled network of over 1,000 lenders and AMCs. This robust infrastructure is further enhanced by powerful tools like Collateral Investigate, our advanced appraisal review solution. By automating complex quality control checks and surfacing critical property data directly into your workflow, Collateral Investigate accelerates the review process, mitigates repurchase risk, and empowers your team to make confident, compliant lending decisions every time.

Start your 'pivot to precision' strategy call

Don’t let a volatile platform put your operations at risk. Complete this form to schedule a brief consultation with our migration experts. We’ll walk you through our seamless transition plan and show you how to gain total control over your appraisal management.

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Mercury Network doesn't produce appraisals, hire appraisers, fund loans, or manage valuations. Mercury Network is not an Appraisal Management Company (AMC). It does not perform functions such as administering and recruiting or selecting a panel of appraisers, negotiating customary and reasonable fees with appraisers, or performing quality control.