Voluntary Lien Status on US Properties

**Overview**
Voluntary Lien Status delivers nationwide property data for nearly 154 million parcels with up to 4 open, voluntary liens and corresponding lien detail.

Voluntary Lien Status is typically delivered as a time series for a specific geography or nationwide, or specific property types (residential, non-residential/commercial) or both. Once the initial baseline is delivered, updates are provided as a replacement universe for each fulfillment period (usually monthly). Clients use their most recent delivery universe to get up to date details on as many as four open, voluntary (mortgage) liens. Voluntary Lien Status delivers all properties for the defined universe whether there are any open liens against the property.

Property AVM (Automated Valuation Model) data is optionally available using Cotality's state-of-the-art Total Home Value X (THVx) Model.

Product Attributes:
- Owner details, location, and tax exemption information
- Voluntary mortgage lien status and position
- Mortgage purpose
- Recording date
- Lender information
- ARM details (if applicable)

**Use cases**
- **Asset Valuation** - Voluntary Lien Status can be used to validate the financial status of a property by providing comprehensive information about existing voluntary liens. This can help financial institutions, real estate firms, and potential investors to make informed decisions about the financial viability and potential risks associated with a property.
- **Risk Analysis** - By providing detailed information about up to four open, voluntary mortgage liens, Voluntary Lien Status can help businesses conduct a detailed risk analysis. Banks, lenders, and investment firms can leverage this information to evaluate the risk associated with a property and determine appropriate lending or investment strategies.
- **Customer Acquisition** - Lenders, mortgage companies, and real estate investors can utilize Voluntary Lien Status to identify potential customers who might be interested in refinancing or consolidating their debts. By understanding the voluntary liens on a property, businesses can target their marketing efforts to property owners who may be more likely to seek their services.
- **Data Quality and Cleansing** - Businesses with existing property data sets can use Voluntary Lien Status to enhance the quality and accuracy of their data. This includes validating existing lien data, correcting errors, and filling gaps in the data to provide a more complete and accurate picture of the financial status of a property.
- **Fundamental Analysis** - Real estate professionals, analysts, and investors can use Voluntary Lien Status as a part of their fundamental analysis of a property. This includes understanding the financial obligations associated with the property, the lending institution involved, and the specifics of the mortgage agreement.
- **Regulatory Reporting** - Financial institutions, especially those involved in mortgage lending, can use Voluntary Lien Status to ensure compliance with regulatory requirements. This can involve providing detailed reports on the status of mortgages and liens, identifying potential financial risks, and demonstrating due diligence in financial transactions.

**Product details**
- Datasets represented include Voluntary Lien Status and Voluntary Lien Status Lookup.
- Sample fields include Owner Info, Parsed Address Fields, Township, Zoning, Open Mortgage Lien Info and Lender Position Info.

**概述**
自愿留置权状态数据集提供全国范围内近1.54亿地块的房产数据，包含最多4项未结清的自愿留置权及相应留置权详情。

该数据集通常以时间序列形式交付，覆盖特定地理区域、全国范围、特定房产类型（住宅、非住宅/商业）或两者组合。初始基准数据交付后，每个履行周期（通常为月度）会提供更新数据以替换原有数据集。客户可通过最新交付的数据集获取最多4项未结清自愿（抵押）留置权的最新详情。无论房产是否存在未结清留置权，该数据集都会交付所定义范围内的所有房产信息。

房产自动估值模型（Automated Valuation Model，AVM）数据可通过CoreLogic的先进Total Home Value X（THVx）模型按需获取。

**产品属性**
- 业主详情、位置及免税信息
- 自愿抵押留置权状态及顺位
- 抵押目的
- 登记日期
- 贷款人信息
- 可调利率抵押贷款（Adjustable-Rate Mortgage，ARM）详情（如适用）

**应用场景**
- **资产估值** - 自愿留置权状态数据集可通过提供现有自愿留置权的全面信息，验证房产的财务状况。这有助于金融机构、房地产公司及潜在投资者就房产的财务可行性和潜在风险做出明智决策。
- **风险分析** - 通过提供最多4项未结清自愿抵押留置权的详细信息，该数据集可助力企业开展深入风险分析。银行、贷款机构及投资公司可利用这些信息评估房产相关风险，制定合适的放贷或投资策略。
- **客户获取** - 贷款机构、抵押贷款公司及房地产投资者可利用该数据集识别可能有意向进行再融资或债务整合的潜在客户。通过了解房产的自愿留置权情况，企业可针对更可能寻求其服务的房产所有者开展精准营销。
- **数据质量与清洗** - 拥有现有房产数据集的企业可利用该数据集提升自身数据的质量和准确性，包括验证现有留置权数据、纠正错误及填补数据空白，从而更全面准确地呈现房产财务状况。
- **基本面分析** - 房地产专业人士、分析师及投资者可将该数据集作为房产基本面分析的一部分，包括了解房产相关的财务义务、涉及的贷款机构及抵押贷款协议细节。
- **监管报告** - 金融机构（尤其是从事抵押贷款业务的机构）可利用该数据集确保合规于监管要求，包括提供抵押贷款及留置权状态的详细报告、识别潜在财务风险及证明金融交易中的尽职调查。

**产品详情**
- 包含的数据集有自愿留置权状态数据集及自愿留置权状态查询数据集。
- 样本字段包括业主信息、解析地址字段、镇区、分区规划（zoning）、未结清抵押留置权信息及贷款人顺位信息。