Cotality
Enterprise property intelligence platform for AI-driven lending, insurance, and real estate decisions.
Cotality is the most comprehensive property intelligence platform for large enterprises, but its opacity around pricing and complexity makes it unsuitable for small teams seeking simple data access.
- Mortgage lenders needing automated property valuation and flood compliance
- Insurance carriers requiring catastrophe risk models and claims workflow
- Real estate brokerages and MLS seeking listing management and market intelligence
- Government agencies accessing property data for policy and risk analysis
- Small startups needing simple property data APIs
- Users requiring transparent, per-seat or per-API pricing
- Teams without dedicated data engineering or cloud infrastructure
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Skip Cotality if you are a small startup needing simple property data APIs with transparent pricing and quick setup.
Premium modules like AI compliance and marketing tools likely require separate subscriptions beyond the base platform fee.
Cotality's contact-only pricing is tailored for large enterprises; there's no self-serve tier. It's more expensive than Reonomy's per-seat pricing or direct API providers, but offers a broader data ecosystem. Best for organizations with dedicated budgets for data infrastructure.
In short
Cotality — Enterprise property intelligence platform for AI-driven lending, insurance, and real estate decisions. Best for Mortgage lenders needing automated property valuation and flood compliance, Insurance carriers requiring catastrophe risk models and claims workflow, Real estate brokerages and MLS seeking listing management and market intelligence. Contact Sales pricing.
Viability Score
How likely is Cotality to still be operational in 12 months? Based on 4 signals — momentum (how recently it shipped), wrapper dependency, revenue model, and web presence.
Last calculated: July 2026
How we score →Key Features
- 250+ property attributes per parcel
- CLIP property data identifier
- Catastrophe risk modeling (flood, hurricane, earthquake, SCS)
- Total Home ValueX for 112M U.S. properties
- Borrower One loan origination workflow
- Claims management suite (Dispatch, Estimate, Inspect, Scope)
- Flood determination and FEMA map change management
- MCP Server for AI agent connectivity (launched Jan 2025)
- Cloud data marketplace access (Databricks, Google Cloud, Snowflake)
- Precision marketing with audience segmentation
- Property tax data via DigitalTax suite
- Underwriting automation with UnderwritingCenter
- Matrix listing management platform
- Marshall & Swift replacement cost evaluation
- Prospects CRM for restoration workflows
About Cotality
Cotality (formerly CoreLogic) is an enterprise-grade property intelligence platform that delivers comprehensive property data, analytics, and AI-ready solutions to industries including finance, insurance, real estate, government, and utilities. With access to over 250 property attributes per parcel, the CLIP property data identifier, and advanced catastrophe risk models for flood, hurricane, earthquake, and severe convective storms, Cotality enables precise risk assessment, operational optimization, and smarter decision-making. The platform integrates seamlessly with major cloud marketplaces like Databricks, Google Cloud, and Snowflake, and offers specialized tools for property valuation (Total Home ValueX covering 112 million U.S. properties), loan origination (Borrower One workflow), claims management (Dispatch, Estimate, Inspect, Scope), and portfolio monitoring (Portfolio Intelligence and Monitoring). In January 2025, Cotality launched an MCP Server for AI agent connectivity, allowing external AI agents to query property data directly. Cotality differentiates through its broad data coverage, AI capabilities, and deep vertical integrations. Compared to alternatives like CoreLogic (its predecessor) or Reonomy, Cotality offers more comprehensive workflows across lending, insurance, and restoration, but its enterprise focus and lack of transparent pricing make it overkill for small teams or simple API use cases.
Behind the Verdict
Cotality is essentially what happens when a massive data incumbent (CoreLogic) reboots with an AI-first brand. If you're a mortgage lender, insurance carrier, or large real estate firm that needs property data at scale with built-in catastrophe models, claims workflows, and valuation tools, this is a one-stop shop. The breadth is unmatched: over 250 attributes per parcel, Total Home ValueX for 112M properties, and cloud marketplaces with Databricks, Google Cloud, and Snowflake. The MCP Server launch in January 2025 is a smart move for enterprises building AI agents that need live property data. But where it bites: pricing is opaque, requiring a sales conversation for even a ballpark. That's fine for large institutions but a dealbreaker for startups or small teams. Also, the platform is a suite of many modules — you'll likely need to buy more than you want to get what you need. Compared to Reonomy (now part of ICE), Cotality is deeper on insurance and lending, while Reonomy is more focused on commercial real estate. For pure valuation data, Zillow or Attom might be simpler and cheaper. We'd recommend Cotality when: you need an integrated property data platform across lending, insurance, and real estate, and you have the team to manage it. Pass if you just need a simple API for property info or you're a small shop without dedicated data engineers.
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Real-world workflow fit
Concrete scenarios for the personas Cotality actually fits — and what changes day-one when you adopt it.
You need to validate a borrower's property value and flood risk for a loan application.
Outcome: Within minutes, you run Total Home ValueX for the property, check flood zone via Cosmos, and generate a compliance report — reducing manual research from hours to minutes.
You want to assess hurricane risk across a portfolio of 50,000 coastal properties.
Outcome: Using Cotality's catastrophe models, you ingest portfolio data via Snowflake, run hurricane loss simulations, and receive risk scores — enabling faster rebalancing and pricing decisions.
You need to create a comparative market analysis for a listing in a fast-changing neighborhood.
Outcome: Using Matrix and Market Intelligence, you pull recent sales, tax data, and flood risk — delivering a data-rich CMA to the seller.
Use Cases
- Automate mortgage pre-approval and underwriting with AI models using Borrower One workflow.
- Assess catastrophe risk for property insurance portfolios using flood, hurricane, and earthquake models.
- Generate leads by targeting homeowners with strong buying intent through Precision Marketing.
- Manage MLS listings with Matrix and ensure compliance with Listing Data Checker.
- Streamline claims processing for restoration firms using Prospects CRM and Dispatch/Estimate tools.
- Monitor portfolio performance and detect fraud with LoanSafe and Portfolio Intelligence.
- Access property tax data instantly via DigitalTax Connect for loan servicing.
- Use MCP Server to connect AI agents directly to Cotality's property intelligence.
Models Under the Hood
as of 2026-07-04
Limitations
- Pricing is not publicly available and requires contacting sales, which may discourage small users.
- The platform is primarily US-focused with some data for other countries.
- Some advanced features may require additional subscription tiers.
- The breadth of modules can be overwhelming and may require significant setup and training.
as of 2026-06-30
Where the pricing makes sense
The company stage and team size where Cotality's pricing actually pencils out — and where peers do it cheaper.
Cotality's contact-only pricing is tailored for large enterprises; there's no self-serve tier. It's more expensive than Reonomy's per-seat pricing or direct API providers, but offers a broader data ecosystem. Best for organizations with dedicated budgets for data infrastructure.
Setup time & first value
How long it actually takes to get something useful out of Cotality — broken out by persona, not the marketing-page minute.
For mortgage/insurance teams with existing cloud infrastructure, initial data integration via Databricks/Snowflake can be set up in a few days. Full deployment of workflows like Borrower One may take weeks. No-code users may need IT support.
Switching to or from Cotality
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
- →From CoreLogic (legacy): Cotality is the same entity rebranded; migration is a name change, but verify new contracts and features.
- →From Reonomy: Export your property data files and import into Cotality via API or cloud storage, then remap fields.
- ↗To Reonomy: Export your property data in CSV format and import into Reonomy's web interface or API.
- ↗To ATTOM: Use ATTOM's data delivery services to replace spatial and valuation data.
Integrations
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Tutorials & Learning
Official links
Tools that pair well with Cotality
Common stack mates teams adopt alongside Cotality, with the specific reason each pairing earns its keep.
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