CoreLogic, Inc.

Cotality is an information services provider specializing in financial, property, and consumer information, analytics, and business intelligence. Headquartered in Irvine, California, the company's mission is to unify property professionals, strengthen industry relationships, and drive global innovation, aiming to create a faster, smarter, and more people-centric property industry. Its tagline is "Intelligence beyond bounds™".

The company offers a comprehensive suite of products and services, including proprietary research and trend tracking in areas such as consumer credit, real estate, fraud, regulatory compliance, and natural disaster projections. Cotality provides data and analytics solutions to diverse sectors including banking and finance, construction, government, property insurance, property restoration, real estate, retail and consumer services, energy and utilities, and telecommunications. Key offerings include tools for risk assessment, workflow optimization, lending decision support, site selection, and its Hazard HQ Command Central™ for global natural disaster information.

CoreLogic, Inc. rebranded globally to Cotality in March 2025, signifying its evolution into a leader in property information, analytics, and data-enabled solutions. Patrick Dodd serves as the President and CEO. The company was recognized as a 2026 Google Cloud Partner of the Year for Data and Analytics. Cotality is a privately held company, having been acquired by Stone Point Capital and Insight Partners in June 2021. It maintains a global presence with operations across the United States, Canada, the United Kingdom, Australia, New Zealand, India, and Germany.

Latest updates

U.S. Home Price Growth Slows to 0.4%, Widening Affordability Gap

Event summary

  • U.S. single-family home prices increased by 0.4% year-over-year in March 2026, slowing from previous growth rates.
  • 17 states saw new highs in price growth, while 13 experienced negative home price appreciation, led by South Dakota (-3.5%), Washington, D.C. (-3.1%), and Florida (-2.4%).
  • Bridgeport, CT, posted the highest year-over-year home price increase among the 100 largest metro areas at 7.9%.
  • Cotality forecasts annual U.S. home price gains increasing to 5.1% year-over-year by March 2027.
  • 70 of the largest 100 metros are currently overvalued, with home price indexes exceeding long-term values by more than 10%.

The big picture

Cotality's latest Home Price Index highlights a slowing U.S. housing market with significant regional disparities. High mortgage rates are limiting buyer activity, creating a split between those with equity or cash and first-time buyers. The data suggests a potential market rebound, but persistent economic factors could dampen expected increases in home prices and sales. The strategic anomaly lies in the stark contrast between overvalued markets and those at risk of price declines, indicating a potential for correction in the near term.

What we're watching

Mortgage Rate Impact
How persistent high mortgage rates will affect homebuyer activity and market rebound.
Regional Disparities
Whether the widening gap between high-growth and declining markets will persist.
Market Correction Risk
The pace at which overvalued markets may correct, particularly in high-risk metros.

Cotality Wins Google Cloud Partner Award, Driving AI Adoption in Property Lending

Event summary

  • Cotality was named the 2026 Google Cloud Partner of the Year for Data and Analytics.
  • The award recognizes Cotality's role in enabling customers to enhance analytics and accelerate AI transformation using Google Cloud services.
  • Cotality developed the 'Cotality Payoff Analysis Agent,' an AI agent integrated with BigQuery, Vertex AI, and Gemini Enterprise, for a major U.S. mortgage lender.
  • The agent allows the lender to generate insights through natural language, improving risk analysis and identifying growth opportunities.
  • Kevin Ichhpurani, President of Google Cloud’s Partner Ecosystem, recognized Cotality’s contribution to customer success.

The big picture

The recognition underscores the growing importance of data-ready solutions in accelerating AI adoption across industries. Cotality's success demonstrates the value of specialized data providers in bridging the gap between raw data and actionable AI insights, particularly within the traditionally data-intensive property sector. This partnership exemplifies a trend of specialized vendors embedding themselves within major cloud ecosystems to deliver targeted AI capabilities.

What we're watching

Scale Impact
The success of the Cotality Payoff Analysis Agent suggests a broader opportunity for AI-driven solutions within the property lending sector, but the ability to replicate this impact across a larger customer base remains to be seen.
Dependency Risk
Cotality’s reliance on Google Cloud for its core offering creates a dependency risk; any shifts in Google Cloud’s pricing, product strategy, or partnership terms could significantly impact Cotality’s business.
Competitive Landscape
While the award highlights Cotality's current position, other data and analytics providers are likely pursuing similar integrations with Google Cloud, potentially intensifying competition for market share.

Homebuyer AI Expectations Clash with Demand for Human Oversight

Event summary

  • A Cotality study reveals 75% of homebuyers expect AI to be involved in the homebuying process.
  • AI-driven workflows could potentially shorten mortgage processing times by 1-3 months, representing a significant efficiency gain given $2 trillion in annual US mortgage originations.
  • Buyer confidence in navigating the homebuying process has declined from 83% in 2025 to 72% in 2026.
  • Gen Z buyers are most receptive to AI (50% would increase confidence), but overwhelmingly prefer human oversight and express low tolerance for AI errors.

The big picture

The Cotality report highlights a critical inflection point in the mortgage industry. While AI promises significant efficiency gains, the data reveals a growing consumer apprehension and a strong preference for human interaction, particularly among younger buyers. This tension suggests that a purely automated approach risks eroding trust and hindering adoption, potentially slowing the anticipated benefits of AI in housing.

What we're watching

Trust Dynamics
The widening gap between AI expectation and trust will force lenders to balance efficiency gains with demonstrable human oversight to avoid alienating increasingly skeptical buyers.
Generational Divide
The differing levels of AI acceptance across generations will necessitate tailored digital experiences, with younger buyers demanding more speed and transparency than older cohorts.
Regulatory Response
Growing calls for mandatory AI labeling and restrictions on automated valuations suggest potential regulatory intervention to ensure fairness and transparency in the homebuying process.

US Home Price Growth Stalls as Rate Surge Dampens Spring Market

Event summary

  • Cotality's Home Price Index™ revealed U.S. home prices increased 0.5% year-over-year in February 2026, a significant slowdown.
  • Month-over-month, home prices fell 0.16% in February 2026.
  • The Midwest and Northeast (New Jersey +5.93%, Illinois +4.83%) exhibit price stability, contrasting with declines in Washington, D.C. (-3.01%), Florida (-2.30%), and Montana (-1.52%).
  • Cotality forecasts U.S. home price gains to increase to 4.7% year-over-year in February 2027.

The big picture

Cotality's data highlights a fractured U.S. housing market, diverging significantly by region. The slowdown in price growth, coupled with the recent rate surge, suggests a more protracted rebalancing period than initially anticipated. This regional disparity underscores the limitations of national-level analysis and the need for granular, localized insights for investors and operators.

What we're watching

Rate Impact
The sensitivity of the housing market to further interest rate fluctuations will determine the trajectory of price recovery, particularly in previously overheated regions.
Regional Divergence
Whether the stability in the Midwest and Northeast can persist amidst broader economic headwinds and potential shifts in business location incentives.
Risk Exposure
The pace at which Florida markets, currently flagged as high-risk, may experience price corrections and the potential for contagion to other regions.

Cotality Unveils MCP Server, Aims to Standardize AI Integration in Property Sector

Event summary

  • Cotality launched its Model Context Protocol (MCP) Server and AI-Ready Data assets on March 31, 2026.
  • The MCP Server acts as a 'universal connector' between AI models and Cotality's property data.
  • Cotality's AI-Ready Data includes semantic companion files to provide AI systems with contextual understanding of property data.
  • Cotality embedded adaptive CoreAI intelligence, powered by Google Cloud, into its solutions.
  • The company introduced tools like Property Vision™ and MLS-Touch™ leveraging generative AI for specific workflows.

The big picture

Cotality’s initiative addresses a growing pain point in the property sector: the difficulty of integrating AI models with fragmented and non-standardized data. The launch of the MCP Server positions Cotality to capitalize on the increasing demand for AI-powered automation in areas like underwriting and valuation, but also introduces a dependency on widespread adoption of their protocol. This move signals a broader trend towards specialized data infrastructure supporting generative AI applications within traditionally data-heavy industries.

What we're watching

Adoption Rate
The success of Cotality’s MCP Server hinges on industry-wide adoption; limited uptake would restrict its impact and value proposition.
Competitive Response
Other property data providers will likely respond to Cotality’s move, potentially leading to a fragmentation of standards and a battle for AI integration dominance.
Security Risks
As Cotality facilitates real-time data access for AI models, maintaining data security and compliance within client environments will be a critical ongoing challenge.

Hailstorm Losses Now Rival Hurricane Damage, Threatening Insurers

Event summary

  • Cotality's 2026 report finds 43.5 million U.S. properties are at moderate or greater risk from hail, representing $17.84 trillion in reconstruction cost value (RCV).
  • Hailstorm frequency increased to 142 days in 2025, up from 122 days in 2024, with over 600,000 homes impacted by hail two inches or larger.
  • Hail is now the primary driver of loss in severe convective storm (SCS) events, potentially accounting for 80% ($58 billion) of a 1-in-500 year loss.
  • The Texas Triangle region (Dallas-Fort Worth, Houston, Austin, and San Antonio) holds over $2.2 trillion in exposed RCV at risk from hail damage.

The big picture

The shift towards hail as a dominant catastrophe loss driver represents a fundamental change in the U.S. property insurance landscape. Previously considered a secondary peril, hail's increasing frequency and severity, coupled with concentrated property values, are straining insurer capacity and recovery resources. This trend highlights the inadequacy of historical risk models and underscores the need for more sophisticated data-driven approaches to underwriting and disaster preparedness.

What we're watching

Pricing Pressure
Insurers will face increasing pressure to re-evaluate pricing models to accurately reflect the escalating risk and frequency of hail events, potentially leading to higher premiums or reduced coverage in high-risk areas.
Modeling Accuracy
The ability of modeling firms like Cotality to accurately predict and quantify hail risk will become a critical differentiator, as insurers increasingly rely on granular data to manage exposure and capital allocation.
Regulatory Response
State and federal regulators may introduce new requirements for insurers to assess and disclose hail risk, potentially impacting underwriting standards and capital adequacy ratios.

US Home Price Growth Slows, Regional Disparities Widen

Event summary

  • Cotality's January 2026 Home Price Index revealed a 0.74% year-over-year increase in U.S. single-family home prices, a slowdown from 2025.
  • The Midwest demonstrated the strongest regional performance with 3.56% year-over-year growth, led by Illinois (+4.91%), Wisconsin (+4.78%), and Nebraska (+4.75%).
  • New Jersey (+5.6%) and Connecticut (+5.26%) defied the national cooling trend, while Florida (-2.36%), Colorado (-1.31%), Hawaii, and Utah experienced price declines.
  • Cotality forecasts U.S. home price gains to increase to 4.4% year-over-year by January 2027.
  • Newark, NJ, posted the highest year-over-year home price increase at 6.73%, followed by Hartford, Connecticut, at 6.27%.

The big picture

The data highlight a shift away from the pandemic-era boom, with localized economic factors now dominating housing price trends. This 'two-speed' market creates both opportunities and risks for investors, as previously overheated regions face corrections while more stable areas maintain resilience. Cotality's forecasts suggest a continued, albeit slower, appreciation, but the divergence in regional performance demands careful scrutiny.

What we're watching

Regional Divergence
The sustained strength in the Midwest and Northeast suggests a potential bifurcation in the housing market, requiring granular regional analysis.
Inventory Impact
The correlation between inventory deficits and price pressure in the Midwest warrants monitoring, as increased supply could quickly reverse the trend.
Risk Exposure
The concentration of at-risk markets in Florida signals a potential for broader contagion if conditions deteriorate, impacting mortgage-backed securities and related investments.

Cotality Adds Former USAA CEO to Board Amid Property Data Surge

Event summary

  • Cotality appointed Wayne Peacock, former CEO of USAA, to its board of directors, effective February 18, 2026.
  • Wayne Peacock brings 36 years of financial services experience, most recently leading USAA, which serves 14 million members.
  • Peacock oversaw large-scale operations including property & casualty insurance, retail banking, and technology at USAA.
  • Stone Point Capital and Insight Partners, existing Cotality board members, highlighted Peacock’s experience in scaling data-driven businesses.

The big picture

Cotality’s move to recruit Wayne Peacock signals a recognition of the growing importance of data and analytics in the property and financial services sectors. The appointment suggests Cotality intends to deepen its focus on operational efficiency and customer trust as it expands its role as a critical data provider. Peacock’s background navigating large-scale digital transformations within a highly regulated environment positions him to guide Cotality through similar challenges.

What we're watching

Governance Dynamics
Peacock’s experience navigating regulatory scrutiny at USAA suggests Cotality may face increased oversight as its data-driven services expand.
Strategic Alignment
How Peacock’s expertise in customer experience and operational efficiency will be applied to Cotality’s product roadmap and internal processes warrants close observation.
Market Penetration
The pace at which Cotality can leverage Peacock’s connections and insights to secure partnerships within the insurance and capital markets sectors will be a key indicator of future growth.

US Home Price Growth Cools to Post-Recession Low

Event summary

  • Cotality's Home Price Index (HPI) for December 2025 shows U.S. home price growth at 0.9%, the slowest rate since the post-Great Recession period.
  • While national growth is soft, states like New Jersey (+5.5%), Illinois (+5.4%), Nebraska (+5.4%), and Connecticut (+5.1%) are experiencing strong price growth.
  • Several states including New Jersey, Pennsylvania, Delaware, Nebraska, Louisiana, Indiana, and Mississippi recorded new high home price growth in December 2025.
  • Regions including the South and West (Florida, Texas, Colorado, etc.) are experiencing negative home price growth, largely due to increased inventory and decreased migration.
  • Mortgage rates have fallen 50 basis points since the summer, contributing to market stabilization.

The big picture

The deceleration in U.S. home price growth signals a significant shift away from the pandemic-era boom, indicating a rebalancing of the market. This slowdown underscores the importance of fundamental economic factors – income growth, job creation, and affordability – in sustaining housing demand. While the recent drop in mortgage rates offers temporary support, the long-term trajectory of the market will depend on broader economic conditions and regional variations in housing demand.

What we're watching

Regional Divergence
The sustained strength in the Northeast and Midwest suggests a potential bifurcation in the housing market, requiring closer monitoring of regional economic drivers.
Mortgage Rate Impact
Further declines in mortgage rates could provide additional support to the housing market, but the sustainability of these rates given broader macroeconomic conditions remains a key risk.
Inventory Dynamics
The pace at which inventory levels adjust will be critical; a significant increase could exacerbate downward pressure on prices in the South and West.

Cotality's AI-Driven Culture Boosts Employee Satisfaction, Earns Glassdoor Recognition

Event summary

  • Cotality has been recognized as a 'Best Place to Work in Technology and AI for 2026' by Glassdoor, marking the inaugural award for this category.
  • The award is based on anonymous employee reviews submitted between October 17, 2024, and October 16, 2025, requiring a minimum of 75 reviews across nine workplace attributes.
  • Cotality attributes its success to a focus on generative AI adoption, with extensive training for all teams, beginning roughly five years ago.
  • The company’s CoreAI™ solution utilizes over one billion data points to power products like Araya™ and Climate Risk Analytics.

The big picture

Cotality's recognition highlights the growing importance of employee experience and culture in attracting and retaining tech talent, particularly within the AI space. The company’s emphasis on generative AI adoption aligns with broader industry trends toward automation and data-driven decision-making. This award provides a potential recruiting advantage, but the company must now translate this positive perception into sustained operational and financial performance.

What we're watching

Talent Retention
How Cotality sustains its positive culture and employee satisfaction will be critical to retaining talent in a competitive market, especially given the company's accelerated AI adoption and associated skill requirements.
AI Integration
The pace at which Cotality can demonstrably translate its AI investments (CoreAI™) into tangible revenue growth and market share gains will determine the long-term impact of its strategy.
Competitive Landscape
Whether Cotality's focus on AI and data analytics creates a defensible competitive moat against larger, more established players in the property ecosystem remains to be seen.

US Housing Stabilization Hinges on 2026 Spring Season, DC Market Plummets

Event summary

  • Cotality's November 2025 Home Price Index shows year-over-year home price growth at 1%, a 14-year low.
  • Washington, D.C. has become the second-fastest depreciating housing market, a significant shift from its previous ranking.
  • Wyoming, New Jersey, Nebraska, Illinois, and Connecticut experienced the highest home price growth in November 2025.
  • Cotality anticipates a potential resurgence in activity during the spring buying season of 2026, contingent on mortgage rate trends.
  • Cotality's HPI Forecasts utilize an econometric model incorporating real disposable income and market momentum.

The big picture

The slowdown in U.S. home price growth, coupled with the dramatic shift in Washington, D.C.'s market performance, signals a potential recalibration of the housing sector following a period of rapid appreciation. This is likely a consequence of shifting federal priorities and a broader market stabilization, with regional variations becoming increasingly pronounced. The spring 2026 season will be a crucial test of whether pent-up demand can overcome persistent supply challenges.

What we're watching

Mortgage Sensitivity
Further declines in mortgage rates could trigger a surge in demand, potentially exacerbating supply constraints and driving price acceleration in select markets.
Regional Divergence
The disparity in home price growth between states will likely persist, emphasizing the importance of localized market analysis for investors and buyers.
Policy Impact
The ongoing effects of federal initiatives, as evidenced by the rapid depreciation in Washington, D.C., warrant close monitoring for broader market implications.
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