Home Equity & HELOC Title Search

One title provider for every step of a second lien.

Title reports, protection, recording, and closing support, backed by 25 years of mortgage operations and an AI/ML platform built for automation.

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48-hour O&E delivery
E-recording
National coverage

48hr

O&E report delivery

93%

of national footprint e-recorded

5day

recording submission

25+ yrs

title and mortgage ops.

Turn Time

Why does home equity title work take weeks?

Because most of it is still handled like a first mortgage, and the file waits on the slowest piece.

According to the Mortgage Bankers Association’s 2025 Home Equity Lending Study, “just 50 percent of home equity applications are closing, and turn times are averaging 39 days.” Lending managers describe it in their own words: closings that “rarely came in under 30 days,” and “days and weeks of research to confirm our lien position.”

Behind every one of those applications is a member with a roof to replace, a kitchen to finish, a tuition bill due, or card balances to clear. Every one of those days is a chance for them to take a faster offer somewhere else. And at a credit union that covers closing costs as a member benefit, every file that dies still costs the institution its title, search, and recording fees for nothing.

The bottom line: the title work on a second lien is smaller than the title work on a purchase. It should be faster, and it shouldn’t be paid for twice. What a second lien actually needs from title, and which of four levels of protection fits, is in the coverage ladder below.

The numbers lending managers live with.

From the MBA’s 2025 study and lending managers’ own words.

  • 50% of home equity applications close (MBA 2025 Home Equity Lending Study)
  • 39-day average turn time, application to close (MBA 2025 Home Equity Lending Study)
  • “Rarely under 30 days”: how one lending manager described closings before switching vendors
  • “Days and weeks” of research to confirm lien position, in another manager’s words

Send us one file

One address. Title work back in 24–48 hours. You pay at closing.

Your members shouldn’t wait weeks for lien position confirmation. Send us one live home equity file. We’ll return the title work within 24 to 48 hours, then manage signing and recording from start to finish. You pay only when the loan closes.

Send one file See coverage options

One address

Send the file. No portal setup, no integration work.

24–48 hours

Title work back, lien position confirmed.

No closing. No fee.

Signing and recording handled as one file. You pay at closing.

What we deliver

Every step of the home equity file, under one roof.

No vendor stitching, no handoff gaps. We report, insure, record, and close.

O&E reports

Deep data plant access plus online search, delivered within 48 hours.

Lien protect (2MP)

Our 2nd Mortgage Protect program matches coverage to the second-lien position: cost matched to risk.

Recording solution

Submission within 5 days and e-recording across 93% of our national footprint.

Closing support

Closing and post-closing support for your members and borrowers, every step of the way.

Coverage options

Match protection to the risk on the loan.

Loan amount, purpose, LTV, borrower credit, and investor needs drive where a file lands on the ladder, from uninsured reporting to a junior loan policy.

Lower cost

Broader protection

Uninsured

O&E report

Ownership and encumbrance data for a quick read.

Uninsured

Legal & vesting report

Adds legal description and vesting detail for underwriting.

Insured · 2MP · Most used

2nd lien protection program

Insured O&E report or insured deed report: our most-used option.

Insured

Junior loan policy (JLP)

Full policy coverage for the highest-exposure files.

What lenders ask before sending the first file

“Will my investor accept an insured report instead of a policy?”

On most second liens, yes. Where your investor requires a policy, you order the junior loan policy on the same file. We match the level to your investor’s rules, and we’ll tell you if a file needs more than you ordered.

“Does this work inside our LOS?”

Orders by email work from day one.

“What happens when the title is messy?”

You hear about it before closing, in the report, with a recommendation. A complex title gets the level that protects you, plus a curative conversation, not a cheaper report and a surprise later.

“Are you licensed in our state?”

Reports and recording run nationally. Closings run in the 36 jurisdictions where we hold a title license, with remote online notarization where allowed.

“What does a test cost me?”

One address. Send us one live file, and we’ll return the title work in 24–48 hours. No closing. No fee.

Send us one address
Pricing

How Does Pricing Work?

Two ways to buy, and you choose per program. With half of home equity applications never closing (MBA, 2025), the difference between the two is roughly half your report spend.

Ask for both models quoted against your last 90 days of home equity volume, closed and fallen through. The right answer depends on your close rate, and the numbers will show it.

Option 1

Per Component

You pay for every report, including the files that never close.

Option 2

Per Closed Loan

You pay only for the ones that do.

FAQ

Three Questions Lenders Ask About Home Equity Title

The three questions that come up before the first file, answered plainly.

Have a specific question? Talk to our team

Yes, in practice. Your investor and your own risk policy will require you to know who owns the property and what’s recorded against it before you take a second-lien position, and some state rules say so outright. Ohio’s credit union rule requires that credit unions “obtain a title search of the property securing home equity and second mortgage loans for outstanding liens” (Ohio Administrative Code 1301:9-2-23(C), effective July 8, 2024). The search on a HELOC is a current owner search, not the full multi-decade search a purchase needs, so it’s faster and costs less. Read: what an O&E report is, and when it’s enough.

Not always. Many home equity files run on an insured report rather than a full policy. The highest-exposure files, and any file where the investor requires it, get a junior loan policy. What you can’t safely skip is the search and the recording. Read: the four levels of protection.

Your mortgage is recorded behind the first mortgage, so the first lender is paid before you if the property sells or forecloses. In most states, position follows recording order, which is why the recording step matters as much as the search: until your mortgage is on record, you don’t hold the position you priced the loan on. Read: who tracks your mortgage to recording.

Send Us Your Next Home Equity File.

One order covers the report, the protection, the recording, and the closing. One contact handles your file. Most title work is back within 24 to 48 hours, and you pay when the loan closes.

Send Us One Address Talk to Us About Your Home Equity Program