DEMS by Schild. Disaster Exposure Monitoring System.
One platform that watches every property in your pipeline, tells your team the same day a disaster lands on one, and builds the GSE audit chain as it works. Three modules, no clear-to-close surprises.
The platform
Three modules, one pipeline.
Loan monitoring, reinspection ordering, and flood determination run on the same property data and write to the same loan file. Each is documented to GSE expectations by default, so the work your team does today is the audit chain you need later.
Module one
Loan monitoring and buyback prevention
Most teams find out about disaster exposure at the worst possible moment, when a loan reaches clear-to-close and someone runs a final check. By then a wildfire, hurricane, or flood declaration has already landed on the property, the rate lock is running short, and the reinspection that should have been ordered ten days ago is now the reason the closing slips. DEMS removes that moment. It watches every property in your active pipeline continuously, from appraisal forward, so exposure surfaces on your timeline rather than at the closing table.
Mechanically, DEMS polls authoritative disaster sources around the clock and matches every detected event against every property you are working. Matching runs at the ZIP-code and county granularity the GSEs require, the same level of detail used to determine whether a property sits inside a declared disaster area. When an event intersects a property in your pipeline, DEMS records the match against the loan with its source and timestamp, attaches the regulatory context, and surfaces a recommended next step.
Your team experiences this as a same-day notification and a live dashboard, not a report they have to remember to pull. Processors see which loans are affected, what the source says, and what to do next. Managers see the whole pipeline at a glance, which loans are clear and which need action, so closings stay on the calendar and rate locks hold. Nobody is reconstructing a timeline under pressure.
The buyback angle sits underneath all of this. Disaster-related repurchase demands are rare, but they are expensive and they arrive long after the loan has left your books. Fannie Mae Selling Guide B2-3-05 and Freddie Mac Bulletin 5703 set the expectations for properties in declared disaster areas, including FEMA Individual Assistance eligibility and the aging windows for inspection documentation. DEMS documents to those expectations as it works, so when a repurchase inquiry arrives months later, the file already shows what happened and when.
Module two
Reinspection ordering
When a disaster affects a property you are working, the GSEs expect evidence that the collateral is intact before the loan is delivered. The operational problem is speed and coordination: finding a qualified inspector, dispatching them, and getting a defensible report back inside the rate-lock window, often while your processors are managing dozens of other files. A missed reinspection is one of the most common reasons a disaster turns a routine closing into a scramble.
DEMS lets your team dispatch a field inspection from inside the platform, on the same loan record that flagged the exposure. There is no separate vendor portal to log into and no rekeying of the property address. The order goes to a qualified field inspector through the DEMS Inspector network, the inspector completes the visit, and the result returns as a structured report.
What comes back is a professional inspection report with GPS-verified field photos, delivered as a PDF and attached directly to the loan file. GPS verification ties each photo to the property location, so the report stands on its own as evidence the right collateral was inspected. Your team sees the order status move from dispatched to complete without leaving the dashboard, and the finished report is where the loan lives, not in an inbox.
Inspections are conducted to professional standards consistent with USPAP, the Uniform Standards of Professional Appraisal Practice, so the report holds up alongside the rest of the loan file under GSE review. Because the order, the report, and the original event match all attach to the same record, the reinspection becomes part of the audit chain automatically rather than a document someone has to file by hand.
Module three
Flood determination
Flood determination is a requirement on every loan, and the operational cost is usually a per-determination fee paid to an outside vendor plus the wait for the result to come back. For high-volume operations that adds up, and the determination a vendor delivered at intake can quietly go stale when FEMA revises the flood map underneath the property later in the loan's life.
DEMS generates a complete flood determination for every property at intake, sourced directly from the FEMA National Flood Hazard Layer, the same authoritative mapping the determination is supposed to reflect. The output is produced in the Standard Flood Hazard Determination Form format, the SFHDF, so it drops into your existing process and file the way your team already expects a determination to arrive.
Your team sees each determination on the loan record alongside everything else DEMS tracks for that property, whether the property sits in a Special Flood Hazard Area, the flood zone, and the source data behind the call. There is no separate system to reconcile and no waiting on a third party to respond.
Determination is not a one-time event in DEMS. Life-of-loan monitoring watches for FEMA map revisions and flags any property whose flood status changes after the original determination was made. If a remap moves a property into or out of a Special Flood Hazard Area, you know, and the record reflects the change with its source, rather than carrying a determination that no longer matches the map.
Roles
Built for the way your operation runs.
DEMS sits in the daily workflow of the people who own pipeline outcomes. The same platform serves three roles without three logins.
VP of mortgage operations
You own on-time closings across the whole pipeline. DEMS gives you a single dashboard of which loans are exposed, which are clear, and which need action today, so you can see a problem forming instead of hearing about it at clear-to-close. The same audit chain that protects against buybacks is the evidence you take to your CFO when you make the case for the platform.
Head of production
You run rate-lock windows and closing calendars for a living. DEMS surfaces exposure the day it happens and lets your team order the reinspection on their own schedule, so a disaster downstream of an appraisal does not become a slipped closing and a broken lock. Throughput stays predictable even in an active disaster season.
Compliance officer
You answer for what the file shows when a GSE asks. DEMS documents every event match, inspection, and determination against the loan with its regulatory reference and source attached, aligned to Fannie Mae Selling Guide B2-3-05 and Freddie Mac Bulletin 5703. When a repurchase inquiry or audit arrives, the chain is already complete.
Integration and infrastructure
It monitors alongside your LOS. It does not replace it.
DEMS is built to fit the systems your operation already runs on, watch the pipeline they hold, and keep the evidence in a form your team and your auditors can trust.
- Fits your existing LOS workflow
- DEMS monitors the loans in your loan origination system without becoming another system of record your team has to maintain. It watches the pipeline you already run and writes its findings back to the loan, so the work happens where your processors already work rather than in a tool they have to remember to open.
- Source provenance and audit chain
- Every match, inspection, and determination carries the source it came from, the timestamp it was recorded, and the regulatory reference it speaks to. The chain is built as the work happens, not assembled after the fact, so the file tells the story without anyone reconstructing it.
- Security posture
- DEMS is built to current security practices, with SOC 2 readiness in progress. Data is encrypted in transit and at rest. We make no certification claims we have not earned, and the team behind Schild is glad to walk your security reviewers through the current posture.
- Multi-tenant with row-level isolation
- Your pipeline is yours. DEMS uses a multi-tenant architecture with row-level isolation, so your loan data is partitioned from every other tenant at the data layer. One platform, strict separation, no shared views into your book.
See DEMS running against your pipeline.
Request a demo and the team behind Schild will walk you through all three modules on real disaster data. Twenty minutes, tailored to how your operation runs.