The loan-servicer workspace for Pacific Crest Home Loans. A lender doesn't buy the borrower's policy — it requires evidence of insurance before closing, gets named via the mortgagee clause, often pays premium from escrow, and carries an annual verification duty (Fannie Mae B7-3-07/08). Only when coverage lapses may it place lender-placed insurance — on the Reg X §1024.37 clock, with every notice stored as compliance evidence.
Lender KYC of the borrower is not insurer authorization — lender-originated flows still capture an insurer-held consent artifact before paid pulls run on the borrower's behalf.
| Loan | Borrower · property | Closing | EOI status |
|---|---|---|---|
| LN-31002 | N. Petrov · 5 Granite Ct, Folsom CA | Jul 2 | pending — borrower quoting (direct) |
| LN-30417 | J. Rivera · 14 Alder Ct, Unit 2B, Santa Rosa CA | Jun 27 | verified Jun 21 |
Registering a closing creates the loan_link with an EOI deadline. The borrower buys via any channel — direct or producer — and the bound policy's mortgagee interest satisfies it. EOIDeadlineBreached fires if the date passes unverified.
premium_schedule| Due | Policy · insured | Amount | Payer | Status |
|---|---|---|---|---|
| Jun 15 | POL-88412 · R. Calderon | $990.00 | escrow | paid Jun 12 |
| Jul 1 | POL-81177 · K. Osei (LPI · master policy) | $153.33 | escrow (charged to borrower) | scheduled |
| Jul 8 | POL-87633 · H. Vance | $2,205.00 | escrow | renewal — awaiting invoice |
| Dec 15 | POL-88412 · R. Calderon | $990.00 | escrow | future |
Each row is a premium_schedule installment with payer='escrow' — the join that tells the servicer when and how much to disburse.
| Loan | Borrower · property | Annual premium | Contents warning | Status |
|---|---|---|---|---|
| LN-27731 | K. Osei · 230 Caldera Way, Bend OR | $1,840 | shown in notices 1 & 2 | active — awaiting borrower evidence |
| LN-28560 | L. Farrow · 88 Quarry St, Stockton CA | $1,612 | shown in notices 1 & 2 | cancelled · refund $94.30 issued |
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