Understanding ALCO in Community Banks starts with what problem it exists to solve: a bank’s assets (loans and investments) and its liabilities (deposits and borrowings) do not naturally move together,…
Lender-placed insurance and blanket insurance both serve to protect a lender’s interest in collateral. While there are many differences between the two coverages, one of the primary distinctions is what…
On paper, most insurance tracking vendors for lenders can look nearly identical. They all promise to receive documentation, image it, send deficiency notices, and place coverage when needed. So, it’s…
Mortgage impairment insurance is a specialized form of coverage designed to protect lenders when something goes wrong with originating or servicing a mortgage due to an error, oversight, or breakdown…
Property tax tracking services are a function that tends to be underestimated until something goes wrong. For community banks, credit unions, and mortgage servicers, we increasingly see that moment arrive as a compliance finding or a missed tax-sale…
When a borrower lets their auto or equipment insurance lapse, the lender’s collateral sits exposed. For portfolios with thousands of indirect auto loans or equipment contracts, the dollar exposure compounds…
Gap Debt Cancellation (GAP coverage) is a debt cancellation or insurance product that pays the difference between a primary insurer’s total-loss settlement and the outstanding loan balance. For lenders, it…
The Mortgage Bankers Association’s 2026 CRE Servicing Solutions Conference covered the full breadth of the CRE servicing landscape. Here’s what we found most relevant for lenders from an insurance risk and servicing…
Insurance tracking compliance for banks and credit unions is a core control function that supports collateral protection, credit risk management, and regulatory compliance. As loan portfolios expand and collateral structures…
Lender-Placed Insurance (LPI) is a solution designed to protect lenders when borrowers fail to maintain adequate insurance on collateral such as a home or vehicle. But what exactly is LPI,…