Centralized Title

What is a Centralized Title Solution?

We have helped other regional refinance lenders greatly improve their results by having them implement a centralized title ordering process and streamlining their number of title vendors. Improvements have included closing loans faster, improved quality and third-party compliance, and reduced loan costs!

Contact us to see how this approach may improve your refinance lending results.

 

How Can Lenders Improve Their Refinance Title & Settlement Process?

Many of our lender customers express frustration with using so many different title & closing vendors across their lending footprint. With multistate lending operations, title vendors sometimes number in the hundreds ...

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The Endless Benefits of a Centralized Title Model

While the long-standing trend has been to migrate to a centralized title model, we recently met with an industry friend that had just left a regional lender that had yet to convert. He estimated the lender is using 120+ title companies. We had a few immediate questions ...

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Managed Vendors For Refinance Transactions – Large Lender Shares Benefits:

We value our partnership with CSS, and I am more than happy to share some thoughts with regard to our strategy of managed vendors for our refinance transactions. The most important aspect of our goal to ...

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RON vs. RIN—What’s the Difference?

When the COVID-19 pandemic hit and stay-at-home orders were passed, businesses were scrambling to figure out how to proceed with their transactions given the restrictions placed on in-person contact.

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Centralized Title Benefits

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  • CSS provides one high standard of quality for title work and closings. Valuable lender management time is wasted attempting to manage quality at numerous local title agencies.
  • CSS offers electronic closings while most local title agencies do not.
  • CSS provides consistent final policy turn-times of less than 7 days. Tracking final policy completion from numerous title agencies is unmanageable.
  • CSS offers one set of title and closing fees versus many.
  • Lender process changes require one contact with CSS to implement versus contacting each of the many local title agencies being used.
  • CSS offers one order and delivery method versus the multitude of methods that must be accommodated by lenders using numerous local title agencies.

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  • CSS offers a single point of contact versus many at numerous local title agencies.
  • CSS offers integrations with loan operating systems and title portals, while many local title agencies do not.
  • CSS provides proactive communication on all files producing better coordination on fees between lender and settlement provider. Our Lode Star Fee Calculator provides lenders with 24/7 access to closing fees.

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  • Proper Third-Party Compliance required by regulators is unmanageable with numerous title vendors.
  • The CSS legal and compliance team completes due diligence documentation timely and accurately.
  • CSS’ in-house legal team assists our lender customers with underwriting and compliance questions.

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Ready to start seeing results?

Schedule a call with a member of our Strategy & Growth Team to explore how CSS may improve your results.