Mortgage Services

Enjoy a 360-degree view of a borrower’s credit, capacity, and collateral.

Navigate Complex Markets

Winning in today’s mortgage banking market is more complicated than ever, causing you to spend time and money on procedural and regulatory needs rather than customer relationships. You need a business partner who will help navigate these growing complexities. Together with Equifax Mortage Services (EMS), Confluent Strategies has an unparalleled depth of industry knowledge, data assets, and analytic capabilities to help guide the way.


Consumer Tri-Merge Reports

Equifax Mortgage Services helps you leverage relevant and actionable consumer information that provides unprecedented insight into a borrower’s credit capacity, credibility, and collateral to help you make sound risk and regulatory decisions in today’s economy.

Credit*Hi-Lite™, our flagship tri-merge credit report, provides current, reliable consumer credit data from all three major credit reporting agencies and allows you to better mitigate risk throughout the entire mortgage life cycle.


Equifax Mortgage Services can help you:


How to win in today’s mortgage banking market:

Generate More Quality Leads

  • Capture more of the right borrowers by applying predictive insights to your targeting strategies.

Produce Quality Loan Files

  • Facilitate compliance and reduce repurchase risk with verified information from the source.

Assess Loan File Quality

  • Ease the mortgage loan audit process with a single source for verification of all loan documentation.

Locate and Mitigate Risk

  • Manage portfolio risk and meet capital adequacy requirements with consumer and collateral data from a single source.

Manage Default

  • Mitigate the risk of defaults and foreclosures while reducing unnecessary manual reviews.

Obtain more robust insights about your borrowers and their loans at critical decision points.


At Confluent Strategies, we are your business partner who helps you navigate these growing complexities. Together with Equifax Mortgage Services, we have an unparalleled depth of industry knowledge, data assets, and analytic capabilities to help guide the way.

  • "This company is all about service. I would recommend Confluent Strategies to anyone in the mortgage industry. They are nice, knowledgeable and helpful. That is what I strive to be to my customers and they have already mastered it." Kevin Ruby, Community Mortgage
  • "We’ve been running a Mortgage Trigger Marketing campaign that we have seen proven results that bring value in the form of retaining our current Mortgage Portfolio as well as an overall increase in Mortgage Applications on a consistent basis." Jason Newman, Tyndall Federal Credit Union
  • "Confluent is always a quick phone call away and they always jump to action immediately." Kevin Ruby, Community Mortgage
  • "When we need something added to the report or other things verified such as rent or rapid rescores, Confluent is always a quick phone call away, and they always jump to action immediately." Kevin Ruby, Community Mortgage
  • "We have done Mortgage Refinance campaigns along with personal, and consolidation loan pre-screens that have proved strong results!" Jason Newman, Tyndall Federal Credit Union
  • First Citizens National Bank
    Whether they are helping us produce quality loans or manage our portfolio risk, Equifax and the Confluent Strategies team keeps our mortgage business a step ahead in this changing environment. Ronda Heathcott