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Collateral Management System®

Enterprise Valuation Workflow Solution

Overview

Transform mortgage collateral valuation with automation

Cotality's Collateral Management System (CMS) platform revolutionizes mortgage collateral valuation processing, enabling compliance with regulatory guidelines and reducing time and effort. Automate ordering, communication, and management of collateral valuation. Access and centralize data, automate compliance checks, mitigate risks, and minimize manual processes. Enhance productivity and customize valuation workflow solutions for consistent enterprise-wide operations.

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Streamline valuation workflows
Automate end-to-end appraisal management to reduce turnaround times and minimize manual touchpoints across your entire pipeline.
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Mitigate regulatory and audit risks
Adhere strictly to GSE and federal compliance guidelines with built-in audit trails and automated quality control standards.
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Enhance vendor performance
Manage complex, large-scale vendor panels with transparent communication, real-time tracking, and automated performance metrics.
Use cases

Real-world collateral management workflows

Discover how CMS drives efficiency, quality, and compliance across your entire valuation pipeline.

Automate high-volume appraisal routing

  • Route appraisal orders automatically based on customizable, logic-driven rules.
  • Eliminate manual assigner bias and optimize appraiser selection instantly.
  • Monitor order progress in real-time through a single dashboard.
  • Reduce manual touches by up to 50% for standard originations.
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Ensure compliance and objectivity

  • Automatically flag appraisal reports containing subjective language or non-compliant terminology.
  • Leverage built-in rule sets to satisfy GSE, ULAD, and FHA regulatory standards.
  • Maintain an ironclad audit trail of all vendor communications and order revisions.
  • Verify appraisal objectivity with automated AI-driven analysis prior to submission.
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Simplify vendor onboarding and payments

  • Streamline the collection of borrower-paid fees and appraiser payments in a PCI-compliant environment.
  • Automate year-end tax reporting and 1099 generation for your entire appraiser panel.
  • Onboard, manage credentials, and track performance scores for external appraisers and AMCs.
  • Eliminate manual accounts payable overhead with transparent exception-based workflows.
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Products

Revolutionizing operational efficiency

Cotality’s CMS platform enhances compliance and operational efficiency by automating appraisal orders, centralizing data, and customizing workflows, enabling precision, timeliness, and transparency.

InspectionPort®

Secured inspection management

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Generally Accepted Appraisal Rules® (GAAR®)

Automated appraisal review for compliance

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AppraisalPort®

Order, manage, and track appraisals online

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OptiVal®

Efficient home-equity lending via AVM testing

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Image Analytics™

Efficient image-based appraisal review

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$559.68

cost reductions per transaction due to product automation, quality improvements, and processing cycle time compression

62.34%

operational leverage, enabling more loans to be completed without increasing personal costs, thanks to technological efficiency

10

hours saved per transaction with CMS resulting in significantly increased efficiency and productivity for users

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