Environmental report for commercial lending

[Rich Hupper]

This question is for all the commercial lenders out there. I wanted to better understand what database, or underwriting software lenders use to determine if a potential property will require environmental testing. I recently approached a bank for two loans on two different commercial properties. One property spurred the bank to require a 21e assessment be performed and the other did not. Neither property is listed on the EPA or Mass DEP lists of contaminated properties, so I am wondering what database the bank looked at which spurred the additional inquiry.

Can any lenders tell me what databases they use? I would like to look at these databases before buying anything in the future. It is good information to look at during your due diligence.