95.7% of portfolios have violations your LOS never captures.
Municipal compliance is the blind spot in every underwriting stack. Pane makes it visible.
What your underwriting stack is missing.
Every tool in your underwriting stack — title search, appraisal, credit pull — misses municipal compliance data. A borrower can have years of unresolved citations and look clean on paper.
Liens, fines, and enforcement escalations signal distress that was building for months. Pane surfaces the early indicators before they reach loan performance.
Your LOS doesn't monitor compliance after funding. Borrower deterioration through municipal violations is invisible until it becomes a loss mitigation event.
Compliance intelligence across the loan lifecycle.
Run any address through Pane before funding. Get a complete violation history, severity classification, open citation detail, and penalty exposure — in minutes.
Every address in your portfolio monitored daily. New violations surface in your dashboard the day they're filed, with severity scoring and enforcement context.
Pane flags emerging compliance risk across your book. Identify deteriorating borrowers early — before missed payments, before loss mitigation, before charge-off.
493 violations identified across 46 accessible properties. Only 3 remained open at close — the ones that required immediate action before funding.
From deal tape to compliance intelligence in minutes.
Upload addresses via CSV or API at origination or on-demand. Any format, any market.
Complete violation history, severity classification, and penalty exposure returned within 24 hours.
Every address stays in your monitoring queue. New violations alert the day they're filed.
See what's in your next deal tape.
Get our sample compliance report and see what Pane surfaces on a real portfolio before closing. We'll follow up to run live data on your actual addresses.