The Community Trust Index™ (CTI) is the nation’s first verified benchmark that measures transparency, trust, and performance across homeowners associations (HOAs) and condominium associations (COAs). It’s built from verified homeowner feedback—converted into measurable data—creating a clear, trusted standard for how each community is managed.
see verified transparency.
understand how their leadership is perceived.
access actionable insights to improve trust and service.
use verified CTI scores to inform listings, disclosures, and buyer confidence.
use verified CTI insights to identify communities with strong communication, maintenance, and governance practices—key indicators of lower operational and property risk.
CTI = Verified Homeowners + Five Trust Pillars (averaged between the Board and the Property Management Company when both are present).
Each verified homeowner rates both the Board and the Property Management Company on five key pillars:
Fairness, ethics, and consistency in leadership and rule enforcement
Transparency and accountability in budgets and dues
Timeliness and quality of maintenance and repairs
How well the board and management communicate with homeowners
Homeowner satisfaction and confidence in community decisions
Each rating uses a 1–5 star scale. CTI combines both sets of averages (Board + Management) for one verified community-wide score.
If a community does not use a Property Management Company, homeowners will rate the internal management or board directly. If there is no management layer at all, the CTI score is based solely on the verified Board average.
Level-4 Multi-Layer Verification
Every review is verified through:
1. Name confirmation
2. Email verification
3. Stripe token micro-payment validation
4. Deed or property ownership verification
5. CAPTCHA protection
6. Manual review by HOA Doctor
Together, the Five Pillars and Level-4 Verification create a trusted, industry-standard measure of community health and performance.
Over 40 million homeowners and 77 million residents live in HOAs or COAs, representing more than $11 trillion in real estate value. Until now, there’s been no verified way to measure how well communities are governed and maintained. CTI brings visibility, fairness, and accountability—helping homeowners, boards, management, realtors, and insurers build stronger, more transparent communities.
Insurers and real estate data partners can leverage CTI indicators as early signals of community performance and communication strength—factors proven to improve claim response times and reduce risk exposure.
CTI scores are based only on verified homeowner reviews. Publicly visible results show overall CTI scores and pillar averages, while homeowner identities remain private under Verified Voices. Protected Identities.
Boards and Management can use CTI results to improve transparency, trust, and communication.
Public users / media: Use the Attribution License (Free) — include the line “Powered by the Community Trust Index™ (CTI™) — HOA Doctor®.”
Enterprise partners (insurers, PMCs, data platforms): Use the Enterprise License for API/data access eventually the Community Trust Score (no trademark) will become a standard matrix for redo/mls
How the Community Trust Index™ Works
All partners referencing CTI or the Community Trust Score must include the attribution line: ‘Powered by the Community Trust Index™ – HOA Doctor®.’
All partners referencing CTI or the Community Trust Score must include the attribution line: ‘Powered by the Community Trust Index™ – HOA Doctor®.’
All partners referencing CTI or the Community Trust Score must include the attribution line: ‘Powered by the Community Trust Index™ – HOA Doctor®.’
All partners referencing CTI or the Community Trust Score must include the attribution line: ‘Powered by the Community Trust Index™ – HOA Doctor®.’
Still have questions? Contact Us
CTI data is formatted for future compatibility with RESO and MLS frameworks. This statement does not imply any current endorsement or integration—only readiness for standardized adoption in real estate technology systems.
Community Trust Index™ powered by HOA Doctor®. Verified Ratings and Reviews™, Verified Voices, Protected Identities™. © 2025 Doc Vault Inc. All rights reserved.
