Flood Certificates (Cotality)

Cotality provides flood zone determinations ordered against a property on the loan file. The result tells you whether the property sits in a special flood hazard area, plus the community, map panel and certificate detail an insurer and closer will ask for.

Flood determinations are also available through MeridianLink and Xactus and ServiceLink. What's different about Cotality is that the result writes itself onto the property.

Products

All four are life-of-loan products, monitored for the life of the loan:

Set a company default and nobody needs to pick one on each order.

Setting it up

1. Hold your own Cotality account. They issue your credentials and account identifiers.
2. In Platform Settings → Integration Hub, open the Cotality card, click Configure, enter credentials and choose your default product.
3. Click Test Connection before relying on it.
4. Grant the third-party services permission to the people who order.

Ordering and results

On the 3rd Party Services tab, choose Cotality and Flood Determination, check the property, and send. The loan needs a property recorded on it, so get the address right first.

Cotality works asynchronously: the order is accepted immediately and the answer arrives when it's ready. History shows whether it's accepted, in research or finished. When it lands:

• The flood details are written onto the property on the Property Info tab
• The certificate is filed with the loan's documents
• Your automation rules can react to it, such as raising a task or notifying someone

📘

Flood fields lock

Once flood details come from a determination, those fields become read-only, so nobody can quietly type over the certificate.

Full detail: in LendingWise, open Loan Origination → User Guide → Cotality.