Turn flood compliance into measurable gains: $38.76 savings per loan
Cotality’s Flood Determination turns a tedious compliance step into a proven profit enhancer. We deliver instant, highly accurate flood evaluations that integrate directly with your LOS, eliminating manual research and enabling compliance.
As the industry’s leading provider, handling ~70% of U.S. mortgage flood determinations, we offer the trust, efficiency, and superior results that protect your portfolio and bottom line. Water-Tight Guarantees® backs our solution and delivers key outcomes.
The powerful benefits of Cotality Flood Determination across your lending operation are not just claims—they are quantified. The following sections detail the findings of a recent independent study involving 194 respondents across 115 lenders, conducted by MarketWise Advisors, LLC.
Experience a transformative ROI
This solution is a profit enhancer, not just a utility. By accelerating cycle times, slashing labor costs, and greatly reducing error-related risks, Flood Determination delivers a powerful bottom-line impact. The independent study found an average $4.84x Return on Investment for lenders—nearly $5 in value for every $1 spent—a game-changing metric for your operation.
Drive profit: Eliminate manual work & costs
Compliance shouldn't be a profit drain—it should pay for itself. Our automation engine eliminates labor-intensive flood checks and data entry, saving an average of $38.76 in labor costs per loan and approximately 55 minutes of manual work for your team.
By freeing up staff time (with 99% of lenders reporting less manual effort), you gain strategic operational leverage, allowing you to process approximately 17.5% more transactions without an increase in staffing.
Instant determinations & streamlined closings
Stop loans from waiting on flood results. Our decisive, fully integrated solution ensures that 94% of determinations return in under 1 second. This real-time, integrated approach eliminates the traditional flood bottleneck, minimizing the wait time for results as well as the risk of human error from duplicate data entry
With 78% of surveyed lenders using our fully automated process (no human intervention needed), we eliminate a major bottleneck, helping you trim days off your overall closing times and keep your pipeline moving quickly.
Achieve audit-ready accuracy and compliance
Gain peace of mind knowing you have total compliance confidence. We eliminate manual steps to ensure near-perfect accuracy on every determination, delivered on the standard FEMA form.
- Water-tight guarantee: We stand behind every flood determination with a robust commitment that the information we provide is correct and compliant. We combine proprietary GIS mapping with up-to-date FEMA data to pinpoint each structure reliably, assuming the risk so you don't have to worry about accuracy or loan buyback risk.
- Comprehensive compliance support & reporting: Flood Determination is designed to be fully audit-friendly. Each result is delivered with an audit-ready record, including any required state-specific disclosures. We maintain a full audit trail for every order, and because our certificates are widely accepted (used by 9 of the top 10 mortgage servicers), loan sales and transfers are always smooth.
Life-of-loan monitoring: Stay ahead of risk
Every determination comes with continuous tracking. If FEMA updates a flood map, our Next-Day Notification™ service processes 95% of map changes within one day, far surpassing industry standards. You receive an updated certificate immediately in most cases, allowing you to proactively inform borrowers and enable compliance throughout the loan’s life without requiring manual effort.
The findings of the MarketWise Advisors study are definitive: Flood Determination with Water-Tight Guarantees® transforms a necessary compliance step from a cost center into a profit driver. Our clients are not just meeting regulatory requirements; they are unlocking new operational capacity, eliminating manual effort, and realizing an average $4.84x Return on Investment.
You are currently measuring your flood compliance against risk; it's time to measure it against profit. Cotality Flood Determination is the proven, one-solution pathway to Every Loan. Zero Flood Surprises.
Don't just comply—outperform.
This is provided for information purposes only. Neither MarketWise Advisors nor Cotality provides any warranty or representation as to the accuracy of this data. Actual performance may vary materially and is subject to a wide range of factors.
