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» VISIT US ONLINE @ DSNEWS.COM 93 CoreLogic Unveils CLEAR Solution Irvine, California-based solutions provider CoreLogic rolled out a new data and analytics platform geared to whole loan traders and ser- vicers. Dubbed CLEAR (short for CoreLogic Lien Analytics Radar), the integrated system grants users access to current data on lien posi- tion, equity, consumer credit, and property and owner characteristics. On top of that, CLEAR also provides life-of-loan surveillance on designated assets and portfolios—all with the ultimate goal of helping users make critical, timely, and finely tuned on-the-job decisions. "Historically, investors and servicers have encountered significant information gaps in bidding on whole loan portfolios and making strategic servicing decisions," said Dillon Ves- tal, VP of Advisory Services for CoreLogic. "CLEAR creates efficiencies, saving time and, ultimately, costs associated with accessing needed data and analytics in a timely, consum- able fashion." Spanning the pre- and postbid stages all the way up through the postsettlement process, CLEAR lets whole loan traders upload bid tapes and rapidly receive the latest company data and analytics to help boost their bidding and risk management decision- making processes. Rooted in a flexible, transparent platform, the CLEAR-based applications extend across due diligence, portfolio management, and servicing. And the benefits don't end there. CLEAR also offers customizable delivery packages that target particular client needs, a self-service portal, individual loan analysis results and ordering capabilities, client-defined monitoring frequencies for each product tier, consumer credit tradeline integration for permissible use, auxiliary data integration from property abstracts, four different tiers of data analysis and pricing, and an FTP-ready output. "By combining comprehensive analysis with fast, flexible, and customizable delivery options, our clients will get data for whole loan bid decisioning, default treatment, and early detection of portfolio risk," Vestal added. Encompass Update Addresses GSE Integration, Construction Loans Ellie Mae, headquartered in Pleasan- ton, California, released Encompass 17.1, an updated version of its mortgage management solution, in February. Ellie Mae enhanced Encompass with additional construction loan support, government-sponsored entity work- flow enhancements, and updated reporting. "Our latest version of our Encompass all- in-one mortgage management solution will expand support for construction loans, offer more powerful trade management enhance- ments, and Fannie Mae and Freddie Mac workflow enhancements," said Jonathan Corr, President and CEO of Ellie Mae. "With this new release of Encompass, we're providing innovative capabilities that enable our banks, credit unions, and mortgage lenders to originate and fund mortgages with improved compliance, loan quality, and ef- ficiency," he added. A new Construction Management Tool in Encompass offers a way to process construc- tion-only and construction-to-permanent loans. To ensure federal, state, and local com- pliance, Encompass 17.1 extends the Encom- pass Compliance Service to construction loans. Encompass 17.1 also offers integration with Fannie Mae and Freddie Mac's Uniform Clos- ing Dataset. Lenders can ensure their loans meet the UCD requirements and deliver UCD files through the system. Encompass also now supports Fannie Mae's affordable lending program, HomeReady. A new Trade Update Queue runs loan trades, mortgage-backed securities pools, or correspondent trades in the background while lenders continue their tasks. Lastly, the updated Encompass software has updated reporting capabilities to help ad- dress questions from auditors. HAWAII The Top City for Real Estate Agents Is . . . For real estate agents, it doesn't get better than Honolulu, which WalletHub just named the single best city to work in as an agent. For its "2017 Best Places to Be a Real Estate Agent" list, WalletHub compared factors like sales per agent, annual media wages for agents, housing market health, and more throughout 150 of the biggest U.S. cities. Honolulu took the top spot with a total score of 60.76. According to the rankings, the city was also number one for "job opportunity and competition." Close behind was Seattle, with a total score of 60.57, and Denver, with a score of 58.3. Rounding out the top 10 were Boston; Aurora, Colorado; Madison, Wisconsin; Reno, Ne- vada; San Francisco; Irvine, California; and Austin. "'Location, location, location' might be the most hackneyed expression in the real estate profession, but the principle applies just as much to Realtors as it does to their clients," the WalletHub report stated. "After all, success in the industry hinges on both an agent's work ethic and area of operation." e highest sales per agent were found in Knoxville and Chattanooga, Tennessee, and Modesto, Santa Rosa, and Oxnard, California. e highest annual median wages were in Ba- kersfield, California; Montgomery, Alabama; Indianapolis, Indiana; Honolulu; New York City; and Newark, New Jersey. e worst places to be an agent? Walle- tHub's list put Jackson, Mississippi, dead last on its list. e city was number 150 in market health and number 128 in opportunity and competi- tion. Shreveport, Louisiana, and Fayetteville, North Carolina, were also low on the list. e overall lowest sales per agent were seen in New York City and Yonkers, New York; Newark and Jersey City, New Jersey; and Houston. Low- est wages per agent were in Jacksonville, Florida; Memphis and Knoxville, Tennessee; Wichita, Kansas; and Laredo, Texas. Marketwise, Texas came in tops, with three cities—Plano, Dallas, and Irving—in the top five for overall market health. Hono- lulu and Aurora, Colorado, also made the list. e least healthy markets were Shreveport, Louisiana; Miami; Columbus, Georgia; Bir- mingham, Alabama; and Jackson, Mississippi. Utah Robyn Moody SALT LAKE REO RealtyONE Group Signature Sales Agent/Owner Robyn@SaltLakeREO.com 801-566-8288 Office | 801-859-2539 Mobile www.SaltLakeREO.com Homeowners in California saw equity rise by about $25,000 and $30,000, according to CoreLogic's Q3 2016 Equity Report. KNOW THIS

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