Press Release
Cotality Introduces Portfolio Intelligence and Monitoring (PIM) on Araya to protect lenders from escalating mortgage delinquencies and hidden liabilities
IRVINE, Calif., June 24, 2026 – Cotality™, a leading global property information, analytics, and data-enabled solutions provider, announced today the launch of Portfolio Intelligence and Monitoring (PIM) solution on its Araya™ platform. The new integration provides financial institutions with proactive protection against portfolio risk in mortgage portfolios.
The U.S. foreclosure rate has reached a six-year high, with 77% of metropolitan areas experiencing higher rates in the first quarter of 2026. Mortgage lenders are currently facing the challenge of rising foreclosure pressures, escalating mortgage delinquencies, and rapidly increasing HOA and tax liens. However, many reviews often fail to catch secondary risks, including HOA liens or unconsented title transfers, until it is too late. PIM on Araya gives a full, dynamic view of a portfolio’s overall risk profile with insights into liabilities and transactional activity.
“Servicers are sitting on hidden risks but are often flying blind regarding the actual health of their portfolios,” said John Graham, director of product management, Portfolio and Alternative Title Solutions at Cotality. “By bringing PIM into the Araya ecosystem, we are giving servicers the ability to see 'silent' risks that threaten their lien and equity position.”
Protecting the Portfolio: Ownership, Foreclosure, and Lien Monitoring
PIM in Araya’s monitoring capabilities serve as an early-warning system. The platform automatically tracks risks across a lender’s entire book of business. By identifying these threats in real-time, you can intervene before a small delinquency escalates into a foreclosure that wipes out your equity position.
PIM also empowers servicers to mitigate retention risk by leveraging its proprietary lien analytics coupled with Cotality’s Total Home Valuex (THVx) automated valuation model (AVM) for a highly accurate equity analysis which incorporates investor accepted AVM values and all open liens. With PIM, you can help you proactively narrow-down existing accounts in your portfolio that can be candidates for potential HELOCs or home equity loans for debt consolidation or home improvements, and work from real-time calculations, not outdated reports that lack continuous monitoring.
PIM in Araya: A Single Source of Truth
PIM in Araya eliminates the need for fragmented spreadsheets and manual research into multiple disparate sources of data. You now have access to a unified user interface and features to give you more confidence in an application including:
- A clear lien confidence rating on the scale of 0 to 100 gives you more granular risk segmentations as you measure the certainty of lien position outcomes.
- Improved portfolio segmentations that can be broken into multiple portfolios to match your business structure.
- A faster, more efficient application processing time- using PIM in Araya provides robust aggregated analytics within an hour in most cases, giving you more time to take care of your customers.
- An integrated experience allowing users to route directly to PIM in Araya, providing in-depth detail on the property including home characteristics, neighborhood, market information, mapping, and more.
For more information about Cotality’s Portfolio Intelligence and Monitoring or the Araya platform, visit cotality.com.
About Cotality
Cotality accelerates data, insights, and workflows across the property ecosystem to enable industry professionals to surpass their ambitions and impact society. With billions of real-time data signals across the life cycle of a property, we unearth hidden risks and transformative opportunities for agents, lenders, carriers, and innovators. Get to know us at www.cotality.com.
© 2026 Cotality. All rights reserved. Cotality, the Cotality logo, and Araya are the trademarks of CoreLogic, Inc. d/b/a Cotality or its affiliates or subsidiaries.
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