Truepic, the enterprise leader of Visual Risk Intelligence, announced a strategic integration with Cotality on June 23, 2026, that will allow lenders to order authenticated virtual inspections directly through Cotality's Mercury Network and Collateral Management System later this year. The move embeds fraud-resistant image capture into existing lending workflows, addressing rising AI-generated visual fraud in property evaluations and construction loan draws.
The integration supports home equity evaluations, 1004D final inspection alternatives, documentation for natural disasters, default servicing, and construction and renovation draws. Lenders using Cotality's platforms can trigger a Truepic Vision inspection without leaving their core systems, automating the ordering and review process.
How Truepic Vision verifies property images
Truepic Vision sends a secure link to borrowers, real estate agents, or other individuals, guiding them through a property inspection on their own mobile device. The platform's controlled capture technology applies fraud detection and authentication testing to every visual, checking for image and AI manipulation. It records geolocation, time, date, and tamper detection at the moment of capture, ensuring media is authentic and unaltered. A risk intelligence network identifies bad actors and fraud techniques in real time.
"Lenders need a virtual inspection solution they can trust and seamless integration with existing workflows," said Sage Nichols, senior vice president of Cotality's Collateral Solutions. "This capability provides a frictionless process, reducing time and overall costs without sacrificing quality and integrity. By embedding Vision directly into Mercury and CMS, lenders and servicers can automate inspection ordering and review without leaving their core systems. This lowers costs and reduces turnaround times from days or weeks to hours while maintaining trusted, verified imagery in today's era of increasing AI-generated fraud risk."
Craig Stack, President and Founder of Truepic, said: "We believe that trusted visual data will become foundational to modern lending infrastructure. By embedding authenticated capture directly into the systems that lenders already rely on, we're making it easy to scale remote inspections without sacrificing trust, compliance, or risk controls in the AI era."
The collaboration underscores a growing industry shift: lenders are increasingly adopting AI for Real Estate & Construction to verify property conditions remotely and combat synthetic media fraud. Together, the companies aim to give lenders defensible inspection records that withstand investor and regulatory scrutiny while improving operational efficiency.
Why this matters for real estate and construction professionals
For homebuilders, construction lenders, and real estate appraisers, the ability to trigger verified virtual inspections from within existing systems like Mercury Network means faster draw approvals and reduced fraud risk in renovation and construction loans. The integration cuts the cost and delay of sending inspectors to the field while providing authenticated evidence that photos haven't been altered or generated by AI. As remote and hybrid appraisal models grow, maintaining a chain of custody from capture to loan file becomes a competitive advantage. The new capability will be available in CMS and Mercury later this year.
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