Informative Research
Informative Research is a leading provider of credit and verification services, helping lenders and mortgage professionals streamline the loan process with innovative data solutions.
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At Informative Research, our mission is to empower lenders and mortgage professionals with innovative, data-driven solutions that streamline the loan process, reduce costs, and improve the borrower experience. With over 75 years of industry leadership, we’re proud to be a trusted partner for thousands of lending institutions nationwide.
What We Do
We provide comprehensive credit and verification services that help lenders make informed decisions, maintain compliance, and create efficient workflows. Our services include:
- Credit reporting and monitoring
- Automated income and asset verification through AccountChek®
- Employment and income verifications
- Flood, fraud, and identity verification
- Tax transcript (4506-C), 8821 and SSA-89 services
- Account Refresh and Mortgage Refresh for updated borrower data
Who We Serve
Informative Research serves a diverse range of clients, including mortgage lenders, banks, credit unions, and fintech companies. We understand the complexities of the lending industry and tailor our solutions to meet each client’s unique needs.
Our Solutions
Our solutions are designed to integrate seamlessly with major loan origination systems like ICE’s Encompass, supporting better lending decisions and driving operational efficiency. Our Credit Platform reduces unnecessary pulls and optimizes credit spend. Additionally, our Mortgage Verification Platform automates verifications to reduce manual work and shorten processing times.
Key Accomplishments
- Trusted by hundreds of lenders, including many top national banks and mortgage companies.
- Recognized for our innovation in verification and credit solutions, including the roll-out of FICO 10T scoring models.
- Delivering cost savings and improved accuracy for lenders through advanced automation and data insights.
Proven Impact
In one notable case study, a national mortgage lender integrated our AccountChek® verification solution and reduced loan processing time by several days while increasing borrower satisfaction scores. Another client leveraged our Mortgage Refresh and Account Refresh services to proactively manage borrower credit data, leading to improved portfolio performance and better risk assessment.
At Informative Research, we’re more than just a data provider—we’re a partner committed to helping you lend smarter, faster, and with greater confidence.
Highlights
- Comprehensive credit and verification services that accelerate loan processing and reduce costs.
- Credit Platform designed to reduce inefficiency, eliminate unnecessary pulls, improve borrower retention, and lower total credit costs.
- Seamless integrations with major LOS platforms, including ICE’s Encompass, ensuring smooth workflows.
- Cutting-edge solutions like AccountChek® for automated income and asset verification.
- A robust Mortgage Verification Platform that automates and streamlines verification processes.
- Trusted by thousands of lenders nationwide for over 75 years.
- Focused on delivering data-driven insights to support better lending decisions.
- Dedicated support and flexible solutions tailored to meet each client’s needs.
Details
Vendor Category
Credit Service
Pricing Model
Usage-Based (Metered) Pricing
Works well with
Overview
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Interested in learning how this solution can transform your mortgage business? Request more details to discover how it can streamline operations, improve efficiency, and integrate seamlessly with your existing workflow.
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Product comparison
Informative Research
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Overview
Informative Research
Simplify Your Success
Your POS, LOS, AI-Driven Workflows, Business Intelligence, and more, all in one innovative platform.
Your trusted partner for onshore, outsourced mortgage operations with 25+ years of experience
Highlights
- Comprehensive credit and verification services that accelerate loan processing and reduce costs.
- Credit Platform designed to reduce inefficiency, eliminate unnecessary pulls, improve borrower retention, and lower total credit costs.
- Seamless integrations with major LOS platforms, including ICE’s Encompass, ensuring smooth workflows.
- Cutting-edge solutions like AccountChek® for automated income and asset verification.
- A robust Mortgage Verification Platform that automates and streamlines verification processes.
- Trusted by thousands of lenders nationwide for over 75 years.
- Focused on delivering data-driven insights to support better lending decisions.
- Dedicated support and flexible solutions tailored to meet each client’s needs.
- POS and LOS functionality in one platform: No bolted-on solutions requiring uploading and downloading of information; borrower is active in the same space as the rest of the organization; reduced admin.
- Embedded Business Intelligence: proactively address small issues and identify the next areas of improvement without having to leave the platform!
- Dynamic, modern UX: easy on the eyes for your borrowers and internal team members! Our workflows only show users what's needed based on their role, less noise results in faster decision making.
- Parallel Activity Workflows: Multiple people can work on different parts of the loan at the same time via activities! When work becomes available, the next resource who is available can start!
- Configurable Workflows: Stay with traditional roles or move to an efficient activity-based queue. No need for new tech to do both.
- Proactive Compliance: Integrated disclosures and compliance timers allow you to stay on track without manual oversight
- Speed: did we mention our software is LIGHTNING FAST!? Instantaneous screen loads... get your head into the loan in seconds... enjoy the ride!
- Contract underwriting
- Closed loan reviews and due diligence
- TPR Reviews
- Approved by all major rating agencies for RMBS third-party reviews
- Quality guaranteed and backed by Lloyds of London insurance policy
- Brooks Systems - digital compliance since 1983
Informative Research
Customer reviews
Informative Research
Wilqo
Evolve Mortgage Services
Reviews
June 10, 2025 at 2:23:27 AM
Test review 2
June 10, 2025 at 2:23:03 AM
Test review
Jake Perkins
May 29, 2025 at 3:52:11 PM
test
Jake Perkins
May 29, 2025 at 3:51:46 PM
I really enjoyed working with the Stivot team. They helped provide clear direction and executed effectively on our vision.