Real-Time Collateral Tracking with eVault Technology
As digital mortgages scale and capital market timelines compress, lenders and investors increasingly need real-time insight into collateral status. Traditional paper workflows slow everything down — from warehouse funding to investor delivery — because notes must be shipped, scanned, handled manually, and verified by multiple parties.
eVault technology changes this entirely.
By storing authoritative copies of eNotes and digital collateral in a secure, tamper-proof platform, eVaults provide instant visibility across the loan lifecycle. Lenders, custodians, warehouse lenders, and investors all see the same real-time status — eliminating delays, errors, and guesswork.
1. Instant Access to the Authoritative Copy (A-Copy)
With eVaults, the authoritative copy of the eNote is:
Securely stored
Cryptographically sealed
Instantly retrievable
Accessible to approved parties
No more chasing down files or waiting for couriers.
Every stakeholder can view the asset in seconds, enabling faster decisions and smoother capital market execution.
2. Transparent Chain of Custody
Every movement — transfers, registrations, certifications — is automatically logged.
This means you always know:
Where the eNote is
Who has control
What actions were taken
When each step occurred
This visibility significantly reduces misplacements, disputes, and pooling exceptions.
3. Faster Warehouse Funding
Warehouse lenders often struggle to fund quickly when paper notes are stuck in transit.
With eVaults:
Collateral is delivered digitally
Control is transferred in minutes
Funding turn times drop dramatically
Faster turns = lower interest expense + stronger liquidity.
4. Reduced Repurchase Exposure
Collateral defects often go unnoticed until pooling, causing buybacks.
eVaults help prevent this by:
Enforcing data validation
Ensuring correct eNote formats
Reducing signature and versioning errors
Providing tamper-proof documentation
Cleaner assets mean fewer investor suspensions and reduced repurchase risk.
5. Real-Time Delivery to GSEs & Investors
eVaults integrate directly with:
MERS® eRegistry
GSE delivery systems
Custodian platforms
Investor portals
This enables:
Immediate note registration
Instant transfer-of-control
Faster certification
Smoother securitization
Lenders move loans faster, reducing dwell time and maximizing execution.
6. Stronger Operational Efficiency
By digitizing the collateral lifecycle, eVaults eliminate:
Manual document handling
Overnight shipping
Scanning and indexing steps
Physical storage costs
Operational teams spend less time tracking paper and more time improving loan quality and delivery accuracy.
Conclusion
Real-time collateral tracking powered by eVault technology is transforming capital market execution. Lenders gain instant visibility, warehouse lenders gain confidence, investors receive cleaner pools, and custodians certify faster.
In a digital mortgage ecosystem, the eVault becomes the single source of truth — ensuring accuracy, speed, and trust at every step of the collateral journey.
