We're an
Equifax Sales Agent
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 Mortgage 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.
Trended Credit*Hi-Lite ™ plus, 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. It also includes telco, pay TV & utilities insights at no extra cost!
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.