For Bank Lending Officers

Underwrite with full property history. Monitor your book in real time.

See every prior lien, every modification, every sale — before you close. Then monitor your entire CRE portfolio with real-time distress signals, maturity tracking, and competitive intelligence.

Full property-level diligence in minutes, not days.

County records, prior liens, ownership history, comps, and environmental risk — unified into one diligence view for every property in America.

1

Complete property history

See every recorded mortgage, assignment, modification, and release for any property. Trace ownership chains through LLC structures. Identify undisclosed liens before closing.

2

Competitive lending intelligence

Track who's lending in your markets, at what terms, and to which borrowers. See origination volume by lender, property type, and geography — updated weekly from county recordings.

3

Portfolio surveillance

Monitor your CRE book with real-time alerts on distress signals: maturity defaults, court filings, tax liens, and property-level deterioration. Catch problems before they become losses.

4

Maturity wall monitoring

Visualize your portfolio's maturity profile alongside market-wide maturity data. Identify refinancing risk concentrations and borrowers with multiple maturities in the same window.

5

Borrower 360

See every loan, every property, and every entity tied to a borrower. Track total exposure across your portfolio and identify cross-collateralization risk before it surprises you.

6

Market-level origination trends

Track origination volume, average loan size, and rate trends across every MSA. Benchmark your activity against the market and identify share gains and losses.

What you get.

The data behind the edge.

2,400+
Counties with recording coverage
30.8M
Mortgages tracked nationally
12.4M+
Properties monitored
Weekly
Recording data updates

How lending teams use Atrium.

From initial underwriting to ongoing portfolio surveillance, Atrium gives your lending team the property-level intelligence that manual county searches can't provide at scale.

1

Pre-close property diligence

Pull the complete lien history, ownership chain, and modification record for any property in minutes. See prior lenders, loan amounts, and terms — all from one platform.

2

Portfolio health monitoring

Set up watchlists for your CRE book. Get alerts when properties show distress signals: maturity defaults, lis pendens, UCC filings, or borrower-level deterioration.

3

Competitive benchmarking

See which banks are gaining or losing CRE market share in your footprint. Track origination volume, average deal size, and property type focus by competitor.

4

Concentration risk reporting

Generate real-time views of your portfolio's concentration by property type, geography, borrower, and maturity band. Support regulatory reporting with loan-level detail.

Real-World Example
"We caught a $14M lis pendens on a borrower's other property — one we didn't know about — the day before our credit committee was set to approve a new $28M construction loan."

Full property diligence.
Real-time portfolio surveillance.

Join the bank lending teams using Atrium to underwrite smarter and monitor their CRE book in real time.