# Eliminating roadblocks on the path to closing

## How automated title underwriting decisions are helping American Digital Title Insurance Company deliver near on-demand commitments

### 73%
clear-to-schedule closing recommendation*

### 55%
neat-immediate underwriting decision*

Since 2019, industry innovator American Digital Title Insurance Company has been on a journey to ease the pain points found in the title underwriting process. Jim Dufficy, President and General Counsel of American Digital Title, recognized the value data and technology could play in significantly improving these traditional, and at many times manual, processes – saving days if not weeks in making title clearance decisions.

“Consumers have come to know and expect instant gratification at every turn, and the real estate industry is no exception,” said Dufficy. “The title underwriting process is historically slow due to manual processes, legacy technology and other factors, which can cause lengthy closing times and delays in overall transaction times. We recognized a real competitive advantage to automating our processes aligned to our current underwriting guidelines. Partnering with Flueid enabled us to deliver a more cost-effective solution that is a far timelier and a more accurate suite of title information than is typically available in a traditional title process. At the same time, the Flueid process enables American Digital to apply its own risk analyses and simplified underwriting guidelines to drive the maximum value to its title agents by use of this progressive title resource. “

### A customized and trusted digital decision

Using his years of experience, Dufficy built a strong team of underwriters and forward-thinking title professionals who understand the value an immediate digital decision can provide. The challenge lies with speed and efficiency as volume increases or properties require additional vetting.

American Digital Title turned to Flueid to help digitize its best practices and fuel commitments through its Flueid Decision for Title Underwriters offering. The result: a trusted digital process delivering much faster clearance decisions to American Digital Title’s partners.

### Speed, quality and accuracy of results

To do this, Flueid puts data into context across traditional, non-traditional, multiple consumer, real property and title sources, and layers in American Digital Title’s approved logic and guidelines to deliver an automated title underwriting decision. The decision-making factors are configured to American Digital Title’s underwriting criteria, so the outputs are unique to their business. This means the team can confidentially trust the decisions generated by Flueid and meet the on-demand needs of title agents looking to deliver commitments in seconds.

American Digital Title’s team receives a near-instant insights summary, branded as the TINA Report, from Flueid Decision indicating how quickly a title clearance decision can be made based on American Digital Title’s customized instructions. This includes determining if a property and consumer are:

- Clear and no other work is required;
- Require an additional review to clear; or
- Will require significant levels or effort to reach a clearance decision.

The report also provides insights into why those decisions are made so opportunities with the greatest chance of closing can be prioritized. These insights are delivered to title agent partners for greater transparency into the workflow and timelines to better manage consumer expectations.

The TINA report enables American Digital Title to deliver 55% near immediate, or “Fast,” clearance decisions to their partners. It is also supporting the company’s partnerships by helping to unlock a fully underwritten title commitment within minutes.

### Fueled by Flueid

Looking ahead, American Digital Title’s underwriters have greater transparency and freedom to expand their guidelines as more automated commitments are generated and other property insights revealed. For non-clear decisions, American Digital Title can determine which risk scenarios align with their business and marry instructions with the results to make future decisions in an intelligent, real-time way.

“By partnering with Flueid, we unlocked an all-new capability for our business, using data and insights to provide partners with a near real-time, underwriter-approved title commitment. This helps them deliver the on-demand experience consumers expect all while reducing costs. It’s the future of the real estate transaction, now,” continued Dufficy.

Flueid’s focused on serving as the intel needed for partners at any point in the life cycle to make confident decisions for a more on-demand real estate experience. By unlocking data and digitizing trusted processes, American Digital Title’s team is equipped to make decisions for the most efficient workflow possible, today and tomorrow.

*disclaimer: statistics compiled based on lifetime results of partnership thru 5/10/2021