Factual Data Review 2026: Affordable Mortgage Credit Reports
Updated February 2026
Overview
Factual Data (part of CBC Innovis) is an established credit report provider serving the mortgage industry. Known for competitive pricing and reliable service, they offer standard tri-merge reports with LOS integrations. They're a popular choice for cost-conscious lenders who need straightforward credit reporting without extra bells and whistles.
Best for: Cost-conscious brokerages and lenders who want reliable credit reporting at the lowest price point.
Key Features
- ✓Tri-merge credit reports
- ✓LOS integrations (Encompass, Byte, Calyx)
- ✓Automated ordering
- ✓Re-scoring services
- ✓Compliance support
- ✓Volume pricing
- ✓Rapid rescoring turnaround
Pricing
Factual Data offers some of the most competitive pricing in the space, typically $15-35 per tri-merge report depending on volume. They're often the lowest-cost option for brokerages.
Pros
- +Most competitive pricing in the market
- +Established reputation (decades in business)
- +Reliable report delivery
- +Good LOS integrations
- +Fast rescoring turnaround
Cons
- –Limited additional services beyond credit
- –Interface feels dated
- –Support hours can be limited
- –Fewer bundled offerings than competitors
The Leading AI Newsletter for Loan Originators
Stay on top of cutting-edge mortgage industry AI updates so you don't get left behind. As a free bonus, get our free download on how to hire an AI employee.
Alternatives to Factual Data (CBC Innovis)
Xactus (formerly Credit Plus / Avantus)
Mid to large lenders who want a single provider for credit, verifications, flood, and fraud services with enterprise-grade reliability.
CoreLogic Credco
Lenders already in the CoreLogic ecosystem or those who want premium credit reporting backed by extensive property data.
Informative Research
Lenders who want a one-stop shop for credit, flood, and verification services with bundled pricing discounts.
Universal Credit Services
Brokerages that value personalized service and a direct relationship with their credit vendor over big-company automation.
Birchwood Credit Services
Mid-volume brokerages looking for a reliable credit vendor with personalized service and competitive pricing.
Certified Credit
Tech-forward lenders who want a modern credit platform with automated workflows and comprehensive bundled services.