Looking for a Quandis Military Search
Alternative?
Quandis is strong for mortgage verification. civrel covers your entire SCRA compliance program across every vertical: property management, auto lending, credit unions, and banking.
Mortgage-Focused vs. Multi-Vertical
Quandis Military Search (QMS) has built a solid reputation in the mortgage and loan servicing space. Their integrations with loan origination systems like Encompass and Black Knight make them a natural fit for mortgage servicers who need batch military status verification.
But SCRA compliance extends beyond mortgages. Property managers need to verify military status before lease terminations and evictions. Auto lenders need to check before repossessions. Credit unions need rate cap compliance across auto loans, credit cards, and personal loans.
If your SCRA obligations span multiple business lines or verticals, a mortgage-focused verification tool leaves gaps. The 2012 National Mortgage Servicing Settlement included $311 million for SCRA violations by Wells Fargo, JPMorgan Chase, Citigroup, Ally Financial, and Bank of America, the largest SCRA enforcement action in history. Verification without a complete compliance workflow isn't enough.
Feature Comparison
| Capability | civrel | Quandis (QMS) |
|---|---|---|
| DMDC verification | Direct DMDC integration | Direct DMDC integration |
| Batch processing | Unlimited batch via API | Strong batch capabilities (QMS Batch) |
| Mortgage/LOS integration | API-based (any system) | Encompass, Black Knight, and other LOS platforms |
| PMS integration | Yardi, RealPage, Entrata (planned) | Not focused on property management |
| Multi-vertical | PM, auto lending, credit unions, banking, military housing | Primarily mortgage and lending |
| Continuous monitoring | Automated re-screening on schedule | Re-queries available (manual initiation) |
| Compliance workflows | Full: rate caps, lease termination, repossession holds, documentation | Primarily verification and status reporting |
| Court-ready documentation | Auto-generated affidavits and DOJ reports | Status certificates available |
| Interest rate cap automation | Automatic 6% cap calculation across all loan types | Not documented |
| Retroactive audit | Historical lookback with bulk processing | Not documented |
| SCRA training | 19-module video library by vertical | Not included |
| Pricing | Published tiers starting at $499/mo | Custom pricing (minimum $250/mo + $1,000 implementation based on public information) |
Key Differences
Multi-Vertical vs. Mortgage-Focused
Quandis built their product around the mortgage workflow. If that's your only SCRA exposure, they're a strong option.
civrel was built for SCRA compliance across every vertical: property management (lease terminations, eviction protections, deposit handling), auto lending (repossession holds, rate caps), credit unions (rate caps across loan types, NCUA exam readiness), and banking (foreclosure protections, mortgage servicing). One platform covers your entire SCRA obligation.
Compliance Workflow vs. Verification
Quandis tells you who is military. civrel tells you who is military AND what you can and can't do, generates the required documentation, monitors for status changes, and produces the audit trail you need when the DOJ asks questions.
Continuous Monitoring
civrel automatically re-screens your portfolio on a configurable schedule. If a borrower or tenant becomes active duty after initial verification, you know before you take an adverse action. This is a pattern seen in multiple enforcement cases: organizations verify once at origination, then servicemembers activate or deploy mid-term, and no system catches the change before an adverse action occurs.
Which Solution Fits Your Needs?
Quandis may be the right fit if you...
- — Are a mortgage servicer or lender with existing LOS integrations (Encompass, Black Knight)
- — Primarily need batch military status verification for loan portfolios
- — Already have compliance workflows built around Quandis output
- — Don't need property management, auto lending, or credit union coverage
For mortgage-focused verification with established LOS integrations, Quandis is a well-regarded option.
civrel is the better fit if you...
- Have SCRA obligations across multiple business lines (lending + PM, or lending + auto)
- Need continuous monitoring, not just batch verification
- Want compliance workflows that go beyond status checks
- Manage properties near military installations
- Are a credit union needing NCUA exam-ready SCRA compliance
- Are under a consent decree requiring end-to-end compliance documentation
- Want a single platform for verification, training, documentation, and reporting
Frequently Asked Questions
What is the difference between civrel and Quandis Military Search?
Quandis Military Search (QMS) is a batch military status verification service focused on the mortgage and loan servicing space, with integrations into loan origination systems like Encompass and Black Knight. civrel is a multi-vertical SCRA compliance platform that covers verification plus full compliance workflows (rate caps, lease terminations, repossession holds, documentation) across property management, auto lending, credit unions, and banking.
Does Quandis handle property management SCRA compliance?
Quandis is primarily focused on mortgage and lending. If your SCRA obligations include property management (lease terminations, eviction protections, security deposit handling), auto lending (repossession holds), or credit unions (multi-product rate caps), you'll need additional tools or workflows beyond what QMS provides.
Does civrel offer continuous monitoring like Quandis?
civrel provides automated re-screening on a configurable schedule, so your portfolio is continuously monitored for military status changes. Quandis offers re-queries that require manual initiation. Continuous monitoring catches cases where borrowers or tenants activate or deploy after initial verification.
Which is better for multi-vertical SCRA compliance?
civrel was built for organizations with SCRA obligations across multiple business lines. If you need compliance across lending, property management, auto finance, and credit union products from a single platform, civrel covers all verticals. If you only service mortgages and have existing LOS integrations, Quandis may be sufficient.
Does civrel include SCRA compliance training?
Yes. civrel includes a 19-module video training library organized by vertical and topic. Training is included with Enterprise Platform plans and all Compliance Desk plans. Quandis does not include SCRA training as part of its verification service.
See the Gaps in Your Current Compliance
Verification is step one. civrel shows you the steps you're missing, and what they could cost you.