Escrow Deep Dive: From Loan Estimate to Annual Analysis

Master every stage of the escrow process from the Loan Estimate through the annual escrow analysis with the knowledge and tools to strengthen compliance, improve accuracy, and reduce examiner findings.

Escrow and impound accounts play a critical role in helping homeowners manage property-related expenses such as taxes, insurance, and other assessments throughout their mortgage loan relationship. To ensure regulatory compliance and operational accuracy, financial institutions must understand the full lifecycle of an escrow account from establishment and disclosure to ongoing administration and analysis. This session will provide a comprehensive review of the requirements and best practices necessary to effectively manage escrow accounts.

Participants will learn how to accurately disclose taxes, insurance premiums, and other escrowed items on required TRID documents, generate compliant initial escrow account statements, and administer escrow accounts throughout the life of the loan. The webinar will also provide a detailed examination of the escrow analysis process, including the calculation and resolution of shortages, surpluses, and deficiencies. In addition, the session will highlight common examiner-identified escrow compliance issues and discuss practical strategies for preventing these weaknesses within your institution’s processes and controls. Attendees will leave with valuable checklists, tools, and regulatory guidance to strengthen their escrow administration practices and ensure compliance with applicable requirements.

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.