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AFX Research Integrates with ICE Mortgage Technology’s Encompass® Platform: A Game-Changer for Same-Day Title Updates

In a digital-first era where speed, accuracy, and automation define success in mortgage lending, a major new integration is setting a new industry benchmark. AFX Research, a national leader in title abstracting and property data services, has officially integrated with ICE Mortgage Technology’s Encompass® loan origination platform. This partnership enables lenders to access same-day title updates directly within their existing Encompass workflow.

Let’s explore what this integration means for lenders, brokers, and real estate professionals—and how it’s helping redefine efficiency, compliance, and data reliability across the mortgage industry.

Why Title Updates Matter More Than Ever

Before diving into the integration, it’s important to understand the critical role title updates play in the loan origination process. Title updates provide a current snapshot of the ownership and encumbrance status of a property. These reports verify:

  • Legal ownership
  • Active liens and mortgages
  • Tax status and delinquencies
  • Judgments, lawsuits, or encroachments
  • Any changes since the last title report, Same-Day Title Updates

While full title searches are typically used for purchase transactions, title updates are essential for:

  • Draw disbursements on construction and renovation loans
  • HELOC (Home Equity Line of Credit) origination
  • Refinance underwriting
  • Foreclosure evaluations
  • Portfolio risk analysis
  • Private loan verifications

Traditionally, obtaining a title update could involve third-party coordination, emails, manual uploads, and waiting days for completion. That’s the bottleneck AFX Research and ICE Mortgage Technology aim to eliminate.

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What Does the AFX + Encompass Integration Do?

Through its new integration with Encompass, AFX Research delivers Same-Day Title Updates seamlessly within the ICE Mortgage Technology environment. Here’s what that looks like in practice:

Real-Time Ordering from Encompass

Lenders can now place title update orders without leaving the Encompass platform. The order is automatically transmitted to AFX Research’s national abstractor and automation network.

Ultra-Fast Turnaround—Under 1 Business Day

AFX delivers most updates in under half a business day (0.43 average), setting the pace for industry-leading speed. This allows loan processors and underwriters to make decisions faster without compromising accuracy.

Multi-Format Reports

Title updates are returned in multiple formats (PDF, Word, Excel, or JSON) to support both manual review and API-driven automation. Lenders can plug the data into their internal systems for compliance tracking or investor delivery.

Deep, Accurate Data

AFX’s uninsured Same-Day Title Updates Report include:

  • Current owner deed verification
  • Open mortgages with recorded amounts and dates
  • Property tax status (paid/unpaid, due dates)
  • Active liens or judgments
  • Legal description excerpts
  • Updates from the last title date to present

This data ensures the lender knows exactly what has changed since the last review—without having to commission a full title search.

What Makes AFX’s Same-Day Title Updates Service Unique?

AFX Research has built a reputation over the past 30 years as a forward-thinking data provider. What differentiates them from traditional title search companies?

Nationwide Coverage

AFX’s network of researchers and digital resources spans every U.S. county, enabling consistent quality regardless of location.

Automation Combined with Human Oversight

AFX blends proprietary automation with human quality assurance. Technology handles bulk data retrieval, while experienced abstractors ensure accuracy and resolve discrepancies.

Compliance-Ready Output

AFX reports are trusted by federal agencies including the SEC, SBA, and DOJ. Their reports meet high standards of legal and operational accuracy.

Scalable for Lenders and Fintechs

AFX works with banks, non-bank lenders, credit unions, real estate platforms, and private investors. Their title updates can be ordered individually or via API at scale.

Why This Integration Matters for Mortgage Professionals

This isn’t just another fintech partnership—it’s a functional shift in how the mortgage industry approaches risk management, speed, and customer experience.

Streamlined Workflows

Loan officers and processors no longer need to log into a separate vendor portal or send emails to request title updates. The process becomes a one-click task within the Encompass interface.

Better Decision-Making

With near-instant access to the latest title data, underwriters can make faster, more confident decisions. No more waiting two or three days for verification of ownership or outstanding liens.

Faster Draws on Construction Loans

Draw requests for construction or renovation loans often require confirmation that no new liens have been filed. Same-day updates help ensure draws are funded promptly, keeping projects on track.

Reduced Risk and Costs

Quickly identifying changes in lien status or property ownership helps prevent bad loans and legal issues. It also reduces rework and underwriting time, cutting costs across the board.

Scalable for Growth

For lenders handling high volumes, integrating with AFX’s title update API through Encompass provides a reliable, fast, and automated solution. This is critical for organizations scaling operations or entering new markets.

Broader Industry Implications

This integration also highlights the growing importance of interoperability in mortgage technology. As originators demand more agile and automated tools, LOS (Loan Origination System) platforms like Encompass are prioritizing partnerships with best-in-class vendors.

AFX joins a roster of premium data providers on Encompass, including:

  • First American Mortgage Solutions – Integrated for full title and settlement services
  • FirstClose Equity – Offers automated HELOC origination solutions
  • CoreLogic – Provides property and valuation data

Each of these integrations helps create a richer, more efficient lending ecosystem. AFX’s addition fills a crucial need: fast, cost-effective title intelligence for short-cycle decisions.

a white house with a tree Same-Day Title Updates

Who Should Use Same-Day Title Updates?

AFX’s integration is especially valuable for the following professionals:

  • Mortgage brokers who need to pre-qualify borrowers quickly
  • Construction lenders processing draw disbursements
  • Hard money lenders underwriting short-term loans
  • HELOC originators needing quick title refreshes
  • Portfolio managers evaluating real estate assets
  • Fintech platforms that rely on fast data for customer onboarding

If you’re part of a lending team that’s growing or modernizing operations, this service can significantly reduce friction in your workflow.

About AFX Research

Founded in 1995, AFX Research LLC is a trusted provider of property title research, lien searches, and environmental risk reports. Known for combining human expertise with smart automation, AFX has completed research on more than $1.3 trillion in property assets across all 50 states.

AFX is frequently engaged by:

  • Major lending institutions
  • Federal agencies like the SEC and SBA
  • Real estate investors and brokers
  • Private and hard money lenders
  • Fintech startups and proptech platforms

With the Encompass integration, AFX continues its mission of delivering faster, smarter title data where lenders need it most.

Final Thoughts: A Modern Solution for a Fast-Moving Industry

Mortgage lending is evolving. Borrowers expect faster approvals. Underwriters require better data. Regulators demand greater transparency.

The integration of AFX Research’s Same-Day Title Updates Report into ICE Mortgage Technology’s Encompass platform addresses all three challenges.

By automating the title update process, lenders can:

  • Eliminate delays
  • Improve loan quality
  • Increase borrower satisfaction
  • Reduce operational overhead

If you’re already using Encompass, activating AFX’s integration could be one of the simplest and most impactful ways to improve your lending efficiency this year.

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