Cotality (formerly CoreLogic) - Data Platform Research¶

Created: 2025-12-21 Status: RESEARCH COMPLETE Purpose: Evaluate Cotality as potential data source for Cameron Burke RE SaaS

Executive Summary¶

Cotality (rebranded from CoreLogic in 2025) is one of the largest B2B property data providers in the US. They are NOT a competitor to Cameron's platform but could be a DATA SOURCE for property lookups, valuations, and market intelligence.

Key Stats¶

Verdict for Cameron Platform¶

Recommendation: Use PropStream or BatchData for MVP (cheaper). Cotality for enterprise tier later.

Data Provider Landscape¶

Part 1: Company Overview¶

Background¶

• Former Name: CoreLogic (rebranded to Cotality 2025)
• Headquarters: Multiple global locations (US, UK, AU, NZ, CA)
• Business Model: B2B data licensing
• Primary Customers: Banks, lenders, insurers, real estate agents, governments

Industry Recognition¶

• 2024 Databricks Financial Services Partner of the Year
• Strategic Alliance with Google Cloud
• Powers most MLS platforms in North America (#1 Matrix platform)

Part 2: Relevant Products for Cameron¶

1. ListSource™ (Lead Generation)¶

URL: https://www.cotality.com/products/listsource Purpose: Marketing lists for investors, brokers, agents

Coverage: - 134 million property addresses - 94% of US population - Daily updated property data

Data Types: - Mortgage data (ARMs, balloon loans, LTV ratios) - Property data (dimensions, history, specs) - Foreclosure data (pre-foreclosure, pending auction) - Predictive analytics (HELOC likelihood, listing probability)

Use Cases: - Skip tracing alternative (owner contact info) - Lead list generation - Targeted marketing campaigns - Foreclosure deal sourcing

Cameron Relevance: MEDIUM - Could replace PropStream for lead gen - Predictive analytics interesting for deal scoring - Enterprise pricing likely prohibitive

2. Parcel Data (Property Information)¶

URL: https://www.cotality.com/products/parcel-data Purpose: Comprehensive property data with 250+ attributes

Key Stats: - 99.5% of 5.5B+ records collected from source - 99% of parcels track all transaction types - 156M parcels from county tax assessors

Data Attributes (250+): - Boundaries: Land parcel boundaries (GeoJSON/shapefile) - Ownership: Current and historical owners - Valuation: Current and historical land values - Zoning: Permitted land use (residential, commercial, industrial) - Tax: Property tax history, liens - Environmental: Hazard risk, flood zones - Construction: Year built, roof age, HVAC type

Delivery Methods: - Bulk data files (CSV, JSON) - API integration - Data marketplaces (Databricks, Snowflake, Google Cloud)

Cameron Relevance: HIGH - Auto-populate property details when user enters address - Zoning verification - Tax assessment lookup - Historical transaction data for comps

3. Total Home Valueˣ (AVM)¶

URL: https://www.cotality.com/products/total-home-value Purpose: AI-powered Automated Valuation Model (AVM)

Key Features: - AI/Machine Learning powered - Weekly model updates - Confidence scores - Comparable properties included - Aerial maps integration

Use Case Variants: 1. Consumer - Display values on website 2. Marketing - Estimated values at application 3. Originations - Underwriting, refinances, HELOC 4. Risk Management - Portfolio evaluation 5. Portfolio Monitoring - Periodic assessment

Property Types Supported: - Single-family - Condos - Co-ops - Duplex - Townhome - Vacant land (if assessor data exists)

Cameron Relevance: VERY HIGH - ARV estimation (core feature) - Deal scoring input - Portfolio valuation - BUT: Expensive, likely per-lookup pricing

4. Property Intelligence (One-Stop Lookup)¶

URL: https://www.cotality.com/products/property-intelligence Purpose: Comprehensive property search platform

Search Methods: - Address - Owner name - APN (Assessor Parcel Number) - CLIP (CoreLogic Property ID)

Data Included: - Current and past owners - Transaction history - Comparable properties - Legal details - Tax information - Zoning data - AVMs - Maps (satellite, street)

Access Methods: - Araya SaaS platform - Bulk data files - Google Cloud - Databricks - Snowflake

Cameron Relevance: HIGH - One API call for comprehensive property data - Owner lookup for direct mail - Transaction history for ARV comps - Zoning verification

Part 3: Data Access Methods¶

Option A: Custom API Integration¶

Description: Direct REST API access to Cotality data

Pros: - Real-time data access - Programmatic integration - Custom query capabilities

Cons: - Enterprise pricing (contact sales) - Technical integration required - Usage-based billing (likely per-lookup)

Contact: (866) 774-3282 (M-F 7am-5pm CT)

Option B: Data Marketplaces¶

Available On: 1. Databricks - Data + AI platform 2. Google Cloud - BigQuery integration 3. Snowflake - Data warehouse

Pros: - No ETL required - Pre-built analytics notebooks - AI-ready data structure - Real-time updates

Cons: - Requires existing cloud infrastructure - Marketplace licensing fees - Platform lock-in

Best For: Enterprise customers with existing data infrastructure

Option C: Bulk Data Files¶

Description: Periodic data exports (CSV, JSON, etc.)

Pros: - One-time or scheduled delivery - Import to your own database - No API rate limits

Cons: - Data freshness (daily/weekly/monthly) - Storage requirements - ETL pipeline needed

Best For: Building local database cache

Option D: Araya SaaS Platform¶

Description: Web-based property intelligence platform

Pros: - No integration required - User-friendly interface - Immediate access

Cons: - Not programmatic (manual lookups) - Seat-based pricing - Not suitable for app integration

Best For: Manual research, not platform integration

Part 4: Pricing Analysis¶

Pricing Model (Estimated - Not Public)¶

Per-Lookup Estimates (if usage-based)¶

NOTE: These are estimates. Actual pricing requires sales consultation.

Part 5: Alternatives for Cameron MVP¶

Given Cotality's enterprise pricing, here are more accessible alternatives:

Tier 1: Affordable MVP Options¶

Tier 2: Future Scale Options¶

Part 6: Recommended Data Strategy for Cameron¶

Phase 1: MVP ($0-5k/year)¶

Phase 2: Growth ($5k-25k/year)¶

Phase 3: Scale ($25k+/year)¶

Part 7: API Integration Considerations¶

If Using Cotality API¶

Technical Requirements: - REST API client - OAuth 2.0 authentication - Rate limiting handling - Error handling for missing data - Caching layer (reduce costs)

Data Storage: - Cache property data locally - Refresh on user request - Store AVM history - Track lookup costs

Cameron Platform Integration Points:

# Pseudocode for Cotality integration

class CotalityClient:
    def lookup_property(self, address):
        """Auto-populate property details"""
        return {
            'beds': 3,
            'baths': 2,
            'sqft': 1500,
            'year_built': 1985,
            'lot_size': 0.25,
            'zoning': 'R1',
            'tax_value': 250000
        }

    def get_avm(self, address):
        """Get automated valuation"""
        return {
            'estimated_value': 350000,
            'confidence_score': 0.92,
            'value_range': [325000, 375000],
            'comparables': [...]
        }

    def get_owner(self, address):
        """Skip tracing alternative"""
        return {
            'owner_name': 'John Smith',
            'mailing_address': '...',
            'owner_occupied': True,
            'purchase_date': '2015-06-15',
            'purchase_price': 200000
        }

Part 8: Decision Matrix¶

Should Cameron Use Cotality?¶

Verdict¶

For MVP: Use PropStream API or BatchData - $99-500/mo vs $25k+/yr - 80% of the data quality - Sufficient for deal analysis

For Scale (1000+ users): Re-evaluate Cotality - Negotiate enterprise contract - Bulk data licensing - White-label AVM integration

Part 9: Action Items¶

1. Immediate: Research PropStream API pricing and capabilities
2. Immediate: Research BatchData API pricing and capabilities
3. Future: Contact Cotality sales when revenue > $100k/yr
4. Future: Evaluate ATTOM Data as middle-tier option

Contact Information¶

Cotality Sales: - Phone: (866) 774-3282 - Hours: Monday-Friday 7am-5pm CT - Website: https://www.cotality.com

Support: https://www.cotality.com/support

Summary¶

Cotality (formerly CoreLogic) is the premier property data provider in the US with unmatched coverage and data quality. However, their enterprise pricing model makes them unsuitable for Cameron's MVP phase.

Recommendation: Use PropStream or BatchData for MVP, plan for Cotality integration when the platform scales to 1000+ paying users.

Document Status: Research Complete Last Updated: 2025-12-21