Mortgage
Persistent structure identity for the physical collateral behind the loan.
PIID™ gives mortgage, lending, and collateral risk systems a persistent identity for the physical structure securing the loan, allowing property intelligence, valuation, risk information, servicing records, and collateral data to remain connected to the same asset through time.
Mortgage and Lending
One structure identity across origination, underwriting, servicing, securitization, portfolio management, and default.
PIID™ gives mortgage, lending, and collateral risk systems a persistent identity for the physical structure securing the loan, allowing property intelligence, valuation, risk information, servicing records, and collateral data to remain connected to the same asset through time.
The collateral identity problem
The loan changes.The structure remains.
Mortgage systems rely on addresses, parcels, loan numbers, servicing records, valuation records, property data, and internal identifiers.
Each serves a specific purpose.
None is designed to remain permanently attached to the physical structure securing the loan.
Loans can be originated.
Servicing can transfer.
Properties can be refinanced.
Loans can be pooled or securitized.
Ownership can change.
Data providers can change.
Systems can change.
The structure remains.
Without persistent structure identity, the relationship between mortgage records and the physical collateral must repeatedly be reconciled across systems and through time.
- Address
- Parcel
- Loan no.
- Appraisal
- Servicing
PIID Resolve™
Resolve the physical structure behind the loan.
PIID Resolve™ identifies, validates, and resolves physical structures to persistent infrastructure identities.
Addresses, parcels, coordinates, geometry, and supported source records can resolve to the same physical structure through PIID™, giving mortgage and lending systems a consistent reference across origination, servicing, portfolio environments, data providers, and time.
Persistent structure identity can connect records, reduce duplication and matching errors, improve data quality, and maintain continuity as the financial relationship around the asset changes.
Know which structure secures the loan. Persistently.
PIID Resolve™Built for mortgage workflows
One persistent identity across the mortgage lifecycle.
Origination
Resolve the physical structure securing the loan before the mortgage relationship begins.
Underwriting
Connect property intelligence, valuation, collateral information, and supported risk data to the correct physical structure.
Valuation
Maintain a consistent structure reference across valuation records, property information, and collateral analysis.
Servicing
Keep the physical asset resolved as servicing records, systems, and organizations change.
Securitization
Maintain stronger continuity between mortgage records and the physical structures underlying pooled financial exposure.
Portfolio Management
Resolve structures consistently across loans, portfolios, acquisitions, servicing environments, and external datasets.
Collateral Risk
Connect supported risk and property information to the same persistent structure identity used throughout the lending workflow.
Default and Foreclosure
Maintain continuity between the loan record, collateral information, property documentation, and the physical structure through distressed asset workflows.
Collateral continuity
One physical asset.Many financial relationships.
A structure can be financed, refinanced, transferred between servicers, pooled, securitized, sold, and financed again.
The financial relationships surrounding the asset can change repeatedly throughout its life.
PIID™ provides a persistent reference to the physical structure beneath those changing relationships.
The financial record can change. The collateral identity persists.
Multi structure collateral
One property can contain more than one structure.
A parcel or address may represent multiple qualifying structures.
For lending and collateral workflows, knowing exactly which structures exist on the property can provide greater clarity than relying on the address or parcel alone.
PIID™ gives each qualifying structure its own persistent identity.
UMIP Structure Schedule™ documents the qualifying structures associated with the property.
Move from property level reference to structure level clarity.
UMIP Structure Schedule™
Document the structures associated with the collateral.
UMIP Structure Schedule™ creates a documented inventory of every qualifying structure on a property, identifying each structure through its PIID™, location, and relationship to the parcel.
It can support underwriting, lending, portfolio management, due diligence, and property documentation by providing a clear structure level record of what exists and where each structure is located.
One property. Every qualifying structure. Clearly identified.
Coming Soon
In development
Risk and property intelligence
Identity before collateral intelligence.
Mortgage and lending workflows rely on information from multiple systems and providers.
PIID™ does not replace those systems.
It gives them a persistent structure reference.
PIID Resolve™ determines which physical structure a supported record references.
Different systems. Same collateral. One persistent identity.
Portfolio reconciliation
Resolve the portfolio to the physical asset level.
Mortgage portfolios can contain records created by different originators, servicers, systems, and data providers.
PIID Resolve™ provides a persistent structure reference for reconciling supported records to the same physical collateral.
Persistent identity creates continuity across the portfolio.
System interoperability
Different mortgage systems.Same physical structure.
Origination may reference a loan number.
Servicing may reference an account.
Property data may reference an address.
Collateral systems may reference a parcel.
GIS may reference geometry.
Risk platforms may maintain their own identifiers.
PIID™ gives these environments a persistent way to reference the same physical structure without requiring them to abandon the identifiers they already use.
Identity becomes the connection point across the mortgage lifecycle.
Enterprise delivery
Built for mortgage technology environments.
PIID Resolve™ is delivered through enterprise APIs using structured JSON responses.
Technical teams can integrate persistent structure identity and identity resolved geometry directly into origination platforms, servicing environments, collateral systems, risk solutions, portfolio platforms, analytics environments, data pipelines, and enterprise workflows.
API delivered. Machine readable. Built for integration at scale.
Data control
Existing systems retain their records.
PIID™ provides persistent structure identity across existing mortgage, lending, and collateral technology environments.
It does not require lenders, servicers, institutions, risk providers, or data providers to replace their existing systems, databases, or identifiers.
Existing systems retain their role. PIID™ provides continuity at the physical asset level.
Lifecycle Report™
A connected record for the physical structure.
Lifecycle Report™ brings structure identity, property intelligence, records, documents, events, and lifecycle context together around one persistent infrastructure identity.
For mortgage and lending workflows, Lifecycle Report™ can support property review, due diligence, collateral documentation, and broader understanding of the physical structure associated with the loan.
A clearer structure record around the collateral being financed.
Lifecycle Report™Governed by GIIS™
Persistent collateral identity requires consistent rules.
GIIS™ establishes the governance framework for assigning, resolving, referencing, and maintaining persistent infrastructure identity across systems and organizations.
That consistency allows the identity of the physical structure to remain stable as loans, servicing relationships, ownership, systems, and data environments change.
At scale
Persistent structure identity for mortgage and lending.
- 189M+PIIDs Registered
Persistent Infrastructure Identities registered across the United States.
PIID Resolve™
Structure Identity Resolution.
UMIP Structure Schedule™
Documented structure identity inventory.
Enterprise API Delivery
Structured JSON responses for direct system integration.
Independent coverage relevant to mortgage, lending, collateral, and real estate markets.
Institutional Real Estate · 2026-08-07
The built environment has an identity crisisIndependent coverage in Institutional Real Estate.
Mecklenburg Times · 2026-07-30
Why your building's address was never meant to be its identityIndependent coverage in Mecklenburg Times.
Insurance Thought Leadership · 2026-07-15
A New Risk for Commercial Real EstateIndependent coverage in Insurance Thought Leadership.
Related
Resolve physical structures to persistent infrastructure identities. PIID Resolve™ identifies, validates, and resolves structures from addresses, parcels, coordinates, geometry, and supported source records.
Identify and organize the permanent structures associated with a property, with each qualifying structure referenced through its own PIID™.
Bring structure identity, property intelligence, records, documents, events, and insights together around one persistent infrastructure identity.