Collateral verification for NYC multifamily lenders
What the record says about a lot, before you quote.
Deshen runs the public-record check on a New York City multifamily lot inside the AI assistant your team already uses, every line labeled verified, inferred, flagged or not read. NYC first; county by county after.
Evidence ledger
BBL 1016160001
| Recorded | Instrument | Parties and roles | Evidence state |
|---|---|---|---|
| 2017-07-11 | MortgageCRFN 2017000252668 | MORTGAGOR/BORROWERBSREP UA HERITAGE LLC MORTGAGEE/LENDERWELLS FARGO BANK | VERIFIED |
| 2019-10-30 | MortgageCRFN 2019000353272 | MORTGAGOR/BORROWERHERITAGE HOLDINGS HOUSING DEVELOPMENT FUND; HERITAGE HOLDINGS LLC MORTGAGEE/LENDERWELLS FARGO BANK, NATIONAL ASSOCIATION | VERIFIED |
| 2019-11-22 | SatisfactionCRFN 2019000382795 | MORTGAGER/BORROWERFRAWLEY PLAZA HOUSES, INC.; RIVERSIDE PARK COMMUNITY (STATE I), INC.; RPC ASSOCIATES; RIVERSIDE PARK COMMUNITY, LLC; RIVERSIDE PARK COMMUNITY II, LLC; NORTH TOWN PHASE I HOUSES, INC.; NORTH TOWN ROOSEVELT, LLC; METRO NORTH RIVERVIEW HOUSES, INC.; METRO NORTH OWNERS, LLC; FRAWLEY PLAZA, LLC; UPACA HOUSES, INC.; KNW APARTMENTS, LLC MORTGAGEE/LENDERCITIBANK, N.A.; WELLS FARGO COMMERCIAL MORTGAGE SECURITIES, INC.; WELLS FARGO BANK, N.A.; CITY OF NEW YORK acris_real_property_parties/636b-3b5g · 16 parties of record · read 2026-10-31 01:39 UTC | VERIFIED |
Instruments of record on 1309 5 Avenue, Manhattan.
acris_real_property_master/bnx9-e6tj · recorded 2017-07-11 to 2019-11-22 · read 2026-10-31 00:29 UTC
3 of the 84 instruments of record. The satisfaction has 16 parties of record. Verified means the instrument is in the ACRIS public record as described. It does not mean the instrument is in force.
See the full chainResolve. Read. Keep.
One call does the part of packaging diligence that today means ACRIS, HPD and DOB one tab at a time. Save your conclusion, and next week Deshen tells you what changed.
Resolve
Read
Keep
Address
An address to its lot, the record read live.
Lot
The recorded chain in order, who holds what, what is open.
Instruments
Your conclusion with a reason, in your firm’s book.
Your book
Verified separated from inferred, every time.
A mortgage with no satisfaction of record is shown as exactly that, not as still owed. A maturity derived from a recording date is labeled inferred, a name read off a scan is flagged, and a source Deshen could not reach is marked not read.
The four evidence states
- VERIFIED
WELLS FARGO BANK, NATIONAL ASSOCIATION
Mortgagee of the 2019 mortgage
acris_real_property_master/bnx9-e6tj · recorded 2019-10-30 · read 2026-10-31 00:29 UTC
- INFERRED
2026-11-01
Maturity, by fuzzy address match
FANNIE_MAE_MFMLP · attached by fuzzy address-to-BBL match · read 2026-10-31 00:29 UTC
- FLAGGED
E. E.
Signatory, read off a scan
document extraction, mortgage recorded 2019-10-30 · extracted 2026-07-04 · read 2026-10-31 00:29 UTC
- NOT READ
Lis pendens: not read.
Deshen reports what it could not check, instead of showing zero.
lis_pendens_count · no value returned · read 2026-10-31 00:29 UTC
One real row for each state, all on 1309 5 Avenue, Manhattan.
get_target_evidence · BBL 1016160001 · read 2026-10-31 00:29 UTC
The Pack
1309 5 Avenue, Manhattan
| Section | Count | State | Source |
|---|---|---|---|
| Recorded instruments | 84 | VERIFIED | acris_real_property_master/bnx9-e6tj |
| Tax liens and lien-sale listingslatest 2021-09-13 | 1 | VERIFIED | dof_tax_lien_sale_lists/9rz4-mjek |
| HPD violations | 2,589 | VERIFIED | hpd_violations/wvxf-dwi5 |
| DOB violations | 253 | VERIFIED | dob_violations/3h2n-5cm9 |
| ECB violations | 207 | VERIFIED | dob_ecb_violations/6bgk-3dad |
| 311 by agencyHPD 1,627 · NYPD 750 · other 516 | 2,893 | VERIFIED | nyc_311_service_requests/erm2-nwe9 |
| Marshal evictions | 28 | VERIFIED | marshal_evictions/6z8x-wfk4 |
| Owner of record | 1 | VERIFIED | dcp_pluto/64uk-42ks |
The whole public-record check on one lot.
get_target_evidence · BBL 1016160001 · read 2026-10-31 00:29 UTC
The instrument chain
Mortgage to assignment to satisfaction, drawn from the recorded documents on 1309 5 Avenue, Manhattan.
acris_real_property_master/bnx9-e6tj · recorded 2017-07-11 to 2019-11-22 · read 2026-10-31 00:29 UTC
The satisfaction lists each of these CRFNs among the documents it references. Deshen does not rank instruments or state priority.
Your saved lots, conclusions and notes stay private to your firm.
Works inside the AI tool your team already uses.
Deshen connects through MCP: six bounded tools behind your firm's key, no open-ended surface, added in Claude with a URL in about two minutes. Your assistant does the reasoning; Deshen supplies the evidence and keeps what you decide.
- Claude
- ChatGPT
- Microsoft Copilot
- Cursor
- OpenClaw
A typical exchange
You
Check [address], Brooklyn. Who holds the mortgages, and were any satisfied?
Claude
- resolve_address
- get_target_evidence
The lot resolves to one BBL. The latest mortgage is a $1.5M instrument recorded February 2026 with two lenders named as mortgagee from the city’s party records; an assignment of leases and rents was recorded the same day to the same lenders. The prior owner’s 2007 mortgage was satisfied in April 2026; the satisfaction names it. A September 2026 subordination agreement is also of record; it does not name the lenders.
You
Save it as consistent with the record and set it to monitoring.
Claude
- record_disposition
- advance_status
Saved: record consistent, status monitoring, in your firm’s book.
The same check, as a workspace.
The same check runs in a browser workspace for teams whose IT rules out a connector.
The book
| Lot | Status | Reason | Last touched |
|---|---|---|---|
| Bronx lot, October 2026 | Under review | Owner mismatch | 2026-10 |
| Brooklyn lot, October 2026 | Exception | Violation load | 2026-10 |
| Manhattan lot, October 2026 | Monitoring | Record consistent | 2026-10 |
Saved lots in Deshen’s own book, read 2026-10-31.
get_my_pipeline · last touched 2026-10 · read 2026-10-31 00:30 UTC
See it run on a lot you know.
Send three addresses from loans you have closed and we return the record check on each within a day. If it holds up, the connector goes live for your firm.
Received. We reply within one business day with the record check on your addresses.
Something failed on our side. Your request is below; send it to myeli@deshen.ai and we reply the same way.
Everything explained to help you move forward
Is Deshen a title search?
No. It is the public-record check before the quote and the watch after the closing. It does not run name-keyed judgment, bankruptcy or OFAC searches and gives no opinion on lien priority; it shows the recorded order and the documents that bear on it.
What is verified versus inferred?
Verified is a city record as filed, with its source and time of read. Inferred is derived, such as a maturity from a recording date plus a term, and is never asserted as fact. Flagged for verification is a name read off a scanned document. Not read means Deshen could not reach that source; it tells you so rather than showing a zero.
Which properties are covered?
New York City. Recorded instruments for Manhattan, Bronx, Brooklyn and Queens from ACRIS; municipal sources for all five boroughs. An address outside the city returns an out-of-coverage answer, not an empty one. New York City first, because its records are open and digital; other counties follow as their records allow.
How does the connector work?
Your AI assistant calls Deshen’s tools over MCP. In Claude, it is a custom connector added with a URL and your firm’s key, no install. In Copilot, it connects through Copilot Studio. Your assistant reads the pack, keeps the labels and does the reasoning.
What does Deshen keep?
Only what your firm saves about a lot: conclusions, statuses, notes, under your firm’s own tenancy and never visible to another firm. No borrower files, no bank data. Public records are read live and not stored.
What happens after I request access?
A short call, three addresses from loans you have closed, the record check on each within a day, your team’s thirty-minute comparison, then the connector live for your firm.