Abstract: An apparatus and method is provided for rendering title decisions on an expedited basis. In light of empirical data showing a correlation between negative financial information (e.g., credit delinquencies) of a property owner/borrower and potential encumbrances on title to real estate owned by the property owner/borrower, a computer-implemented process evaluates financial information of a prospective mortgage applicant. If the financial information is favorable, an expedited title decision-making process is used to determine the adequacy and quality of the security to be pledged in connection with the mortgage transaction, as well as to assist in the process of issuance of title insurance products. If the financial information is not favorable, a full title search is performed. The invention significantly increases the speed of the mortgage application process without incurring substantial risks.