Most Popular Lending Content
Appraisal Bias in Your Market
04/02/2023
Is Appraisal Bias something I should worry about in my market?
Commercial to Personal - HMDA?
04/02/2023
We are converting a commercial real estate loan to a single family residence - owner occupied loan, which will be TRID and HMDA applicable. For HMDA reporting , will this be a purchase or a refinance?
Growing number of loan policy exceptions
04/02/2023
What is a reason for a growing number of loan policy exceptions?
Treasury reclamations on decedents’ accounts
03/26/2023
If the money is not available in the deceased customer’s account and no estate account exists with the bank, is the bank still liable for reclamations from Treasury?
Notice at Closing of Required Insurance
03/26/2023
Is it required to have a separate "Agreement to Provide Insurance" form signed for non-real estate secured loans? We are in Tennessee and currently have a section in the Security Agreement that prints with the Note which states the borrower agrees to keep the property insured and if they fail to provide insurance, then the bank may place insurance on the property (Creditor-Placed Insurance Notice) and pass that cost to the borrower.