In today’s high-speed lending environment, every day shaved off the closing timeline can save thousands of dollars—both for lenders and borrowers. Webhooks have emerged as one of the most advanced data solutions for financial institutions looking to improve title verification efficiency, enhance compliance, and minimize risk.
For mortgage lenders, the game has changed. By integrating webhook-enabled title search data from AFX Research, you can securely receive real time updates the moment an event occurs in a property’s records—no manual refreshes, no outdated reports, and no wasted time.
At its core, a webhook is a digital messenger. It works by allowing one system (such as AFX’s nationwide title search platform) to send data automatically to another system (such as a lender’s loan origination software) when a specific type of event happens.
Unlike traditional polling, where you repeatedly “ask” for updates, webhooks deliver the information the moment it’s available—through an HTTP POST request that contains a request body with all relevant details.
In mortgage lending, these “events” can include:
With AFX Research’s webhook integration, lenders can skip the wait and receive verified title data in seconds.
When you’re dealing with volatile interest rate environments, a few days of delay can mean a borrower’s monthly mortgage payment changes—or the deal falls through entirely.
A 2024 study by the Mortgage Bankers Association found that every additional week in the loan pipeline costs lenders an average of $450 per loan. That’s before considering the compliance risks of acting on outdated title data.
Real-time data from webhooks empowers lenders to:
AFX Research has been delivering advanced data solutions for over 25 years. Its webhook-enabled title verification system plugs directly into your existing mortgage workflow.
Once you set up your webhook request, you define the type of event you want to be notified about—such as a lien payoff, ownership transfer, or 30 year fixed-rate loan title clearance.
When that event occurs, AFX instantly sends data in the form of a structured request body to your system, ensuring your underwriting and compliance teams always work with the most current information.
Let’s break down where the savings come from:
| Cost Area | Traditional Title Process | Webhook-Enabled Process | Savings Impact |
|---|---|---|---|
| Title Data Retrieval | Manual request and waiting for report delivery | Instant post request upon event that occurred | Hours to days saved |
| Loan Processing Labor | Staff spends time checking status and updating files | Automatic updates sent directly to LOS | Lower staffing hours |
| Compliance Risk | Higher—data may be outdated | Lower—data is always real time | Fewer legal issues |
| Rate Lock Extensions | Often needed due to delays | Reduced—can close before lock expires | Saves extension fees |
| Borrower Drop-Offs | Higher—frustration with delays | Lower—faster approvals | More closed loans |
Setting up a webhook with AFX is straightforward—even if you’re not a developer.
Step 1 – Define Your Events
Choose the type of event you want alerts for: lien payoffs, mortgage releases, new mortgages, or ownership transfers.
Step 2 – Create the Webhook Endpoint
Your IT team sets up a secure URL where the AFX system can send its POST request.
Step 3 – Test and Go Live
AFX sends a sample webhook request to verify your system is ready. Once confirmed, live data flows whenever an event occurs.
The loan’s structure—30 year, 15-year, or other—doesn’t matter. What matters is how fast you can verify that all property records are clean so you can fund the loan and repay the loan without risk.
Webhooks allow you to:
The lending industry is moving toward automation, and webhooks are quickly becoming a standard tool for competitive mortgage operations. The combination of real time title verification, reduced labor, and compliance support makes it a win for both lenders and borrowers.
With AFX Research’s decades of experience in property data and their robust advanced data solutions, financial institutions have the lender’s edge they need—faster closings, lower costs, and airtight compliance.
In mortgage lending, speed and accuracy are the ultimate competitive advantages. AFX Research’s webhook-enabled title verification gives you both.
When an event occurs, you’ll know instantly—so you can act, lock in rates, update loan terms, and close with confidence. Whether you’re issuing a home loan, a fixed rate mortgage, or a refinance, webhooks slash costs, protect compliance, and give you the power to move at the speed of today’s market.