Who this is for
Lenders and mortgage IMBs
Automate collateral review, run comparable analysis, and flag risk before loans advance in the pipeline
Appraisal management companies
Manage appraisal order lifecycles, match orders to qualified appraisers, and automate compliance review at scale
Property appraisers
Retrieve comparable sales, access property characteristics, and validate appraisal reports against UAD standards
Key use cases
1. Automated collateral evaluation
Business problem: Underwriters spend significant time manually pulling property data, verifying comparables, and checking for valuation risk flags — slowing down loan origination and introducing inconsistency. With Cotality: Use the property characteristics tool to retrieve granular physical and structural data for any property in the U.S. in seconds. Combine with the CLIP identifier to normalize property records across data sources. Feed results directly into valuation models or underwriting rules engines. What you get:- Standardized property records aligned with MISMO v3.x and FHFA appraisal datasets
- Access to
livingSquareFootage,actualYearBuilt,universalTotalValue, and more than 200 additional fields - Batch processing across multiple CLIPs for portfolio-level review
2. Comparable analysis (comps)
Business problem: Finding accurate comps for appraisals and desk reviews requires manually searching MLS records and county data — a slow, judgment-intensive process prone to recency bias. With Cotality: Filter properties by structure characteristics such aslivingSquareFootage, actualYearBuilt, and landUseCode to identify geographic comparables programmatically. Pull market trend data to benchmark against current listing activity and median price movements.
What you get:
- Property characteristics data for filtering comp candidates
- Market trend analytics including median sales price, days on market, and inventory velocity
- Home price index (HPI) data and forward-looking HPI forecasts by ZIP, county, CBSA, and state
3. Appraisal order automation
Business problem: AMCs manage thousands of appraisal orders simultaneously, each requiring manual order entry, status tracking, and vendor assignment — a high-volume operational burden that is difficult to scale. With Cotality: Use the appraisal order AI agent to manage order lifecycle in natural language. Create orders, check status, view workflow history, and receive streaming updates — without custom development against a form-based workflow system. What you get:- Conversational order creation with guided field collection
- Real-time order status, key dates, and workflow activity logs
- Response streaming for live progress updates
4. Vendor panel management and assignment
Business problem: Matching appraisal orders to qualified, available vendors who meet geographic, licensing, and capacity requirements is a complex routing problem that AMCs often solve manually. With Cotality: Use the vendor order AI agent to search, onboard, and manage appraiser panels through natural language. Configure auto-assignment rules, monitor capacity, track license and E&O status, and surface at-risk expirations. What you get:- End-to-end vendor lifecycle management: search, onboard, panel, assign
- Auto-assignment rule configuration and capacity monitoring
- License and E&O compliance tracking with expiration alerts
5. UAD compliance review
Business problem: Validating appraisal deliverables against UAD rules is time-consuming and error-prone when done manually, and costly when discovered late in the lending process. With Cotality: Use the compliance AI agent to validate appraisal ZIP packages, run UAD rule checks, and retrieve structured findings — all through a conversational interface that guides correct tool sequencing. What you get:- Automated package validation (required files, structure, extensions)
- UAD rule execution against the full Cotality compliance rule set
- Detailed findings with rule-specific explanations and correction guidance
Integration paths
Choose the integration pattern that fits your architecture:- AI agent (conversational)
- MCP server (AI-embedded)
- REST API (direct integration)
Best for: Teams building AI-powered AMC platforms, loan officer copilots, or compliance review assistantsThe valuation solutions AI agents communicate over the A2A (agent-to-agent) protocol and integrate with any orchestration framework that supports it, including Google ADK and LangChain.Lifecycle: AlphaSteps:
- Obtain A2A endpoint credentials from your Cotality account representative
- Register the agent card URL in your AI orchestration layer
- Send natural language instructions to the agent and receive streamed responses
Relevant capabilities
Industry standards alignment
Cotality property data conforms to the dominant standards used in the mortgage and valuation industry:- MISMO residential XML (v3.x) — Structure elements and GLA fields map directly to MISMO’s
VALUATION_RESPONSEcontainer - FHFA UAD standards — Property characteristic fields align with FHFA appraisal dataset requirements
- USPS publication 28 — Address fields are pre-standardized using USPS postal addressing standards
Get started
1
Identify your workflow
Determine whether you need order management (AI agents), data-in-AI-product (MCP), or direct integration (REST API)
2
Authenticate
Obtain credentials and get your first access token — takes under five minutes
3
Test with MCP inspector
Use the MCP inspector to call property data tools interactively and validate your use case before writing code
4
Integrate
Follow the relevant integration guide for your client: VS code / Cursor / Claude code, Python, or REST