Protects your collateral automatically when borrower coverage lapses.
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02
Mortgage Insurance (MI)
GSE-compliant Borrower-Purchased MI for Fannie Mae and Freddie Mac programmes.
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03
Premium Financing
We finance insurance premiums so borrowers can close — and pay monthly.
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04
Blanket VSI
One policy covering your entire consumer loan portfolio. No per-loan tracking.
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05
Business Loan Protection
Creditor's group insurance for unsecured and SME lending portfolios.
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06
REO Hazard & Liability
Full coverage for your real estate owned portfolio from foreclosure to disposition.
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Client stories
"Working with Lendisca has been an absolute game-changer. Their expertise helped us navigate complex insurance solutions with confidence."
CK
Chuck Kracht
EVP of Lending — Idaho Housing and Finance Association
"They are like an extension to our team — resolving disputes so we can focus on our core business."
Robert Parker — SVP, Trustmark National Bank
"Their personalized service, affordability and quick response have made a huge difference."
Anthony Box — Servicing Admin, AHFA / ServiSolutions
"Service second to none — they took our goals to the finish line every time."
Chad Brown — VP Loan Servicing, Centennial Bank
Ready to simplify your insurance programme?
No jargon, no pressure. Just an honest conversation about where your current coverage has gaps — and how we can close them.
Insurance products
Coverage for every loan type and exposure
Every product we place is matched to your actual risk, compared across A-rated carriers, and managed by a team that stays involved long after the policy is bound.
01
Lenders & Servicers
Lender-Placed Insurance (LPI)
When a borrower's property insurance lapses or falls short, lender-placed insurance steps in to protect your collateral automatically. We compare LPI carriers, manage the placement process, and handle all borrower communications — keeping your portfolio protected without burdening your servicing team.
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02
Lenders & Servicers
Blanket Vendors Single Interest (VSI)
A single-interest blanket policy that protects your collateral — vehicles, equipment, or personal property — across your entire consumer loan portfolio. No individual tracking, no per-loan certificates. One policy covers all qualifying loans where borrower insurance is absent or insufficient.
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03
Mortgage Portfolios
Borrower-Purchased Mortgage Insurance (MI)
Fannie Mae and Freddie Mac require private mortgage insurance on conventional loans with less than 20% down. We help mortgage servicers and borrowers arrange GSE-compliant MI — including BPMI, SPMI, and LPMI structures — from approved PMI providers. Used extensively by state housing finance agencies and affordable lending programmes.
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04
Mortgage Portfolios
Blanket Mortgage Insurance
One master policy. No per-loan tracking. Full hazard and liability protection across your entire mortgage portfolio. Reduces administrative burden dramatically while maintaining the coverage depth your investors and regulators expect.
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05
REO & Property
REO Hazard & Liability Insurance
Real estate owned properties sit exposed between foreclosure and disposition. We place REO hazard and general liability cover for your entire REO portfolio — from a single property to hundreds — with top carriers and responsive claims support.
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06
Commercial & Unsecured Lending
Business Loan Protection & Creditor's Group Insurance
Unsecured and SME loans carry heightened default risk when a borrower dies, becomes disabled, or is made involuntarily unemployed. These products cover the outstanding loan balance in those events — protecting both the lender's book and the borrower's family or business.
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07
Borrowers
Premium Financing
Can't afford the full annual insurance premium upfront but need it to close your loan? We finance property and liability insurance premiums directly, letting borrowers spread the cost over monthly instalments so nothing stands between them and their loan closing.
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08
Institutional Risk
Cyber & Professional Liability
We structure cyber liability, errors & omissions, and professional indemnity coverage designed for lenders — covering first-party losses, regulatory fines, and third-party claims arising from your lending operations.
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Who we help
Built for every part of the lending chain
Whether you're originating mortgages, servicing a consumer portfolio, running a state housing agency, or a borrower who needs insurance to close — we have a solution built around your situation.
01
Banks & Credit Unions
Protect your collateral across mortgage, auto, and personal loan portfolios. We compare carriers, manage tracking programmes, and handle loss drafts — so your servicing team stays focused on clients, not paperwork.
Lender-placed insuranceBlanket mortgageREO cover
02
Mortgage Servicers
From GSE-compliant Borrower-Purchased MI to vendor single interest, we simplify your portfolio protection. Full Fannie Mae and Freddie Mac compliance — no tracking headaches, no per-loan certificates.
Fannie Mae MIBlanket VSIREO hazard
03
Commercial Lenders & Fintechs
Unsecured business lending carries real risk. We structure Business Loan Protection and Creditor's Group Insurance to cover your portfolio against default due to death, disability, or involuntary unemployment.
Business loan protectionCreditor's groupCyber liability
04
Individual Borrowers
Need insurance to close your loan but can't cover the full annual premium upfront? Our premium financing programme spreads the cost over monthly payments — for property, liability, or business insurance.
We work with state HFAs and GSE-aligned servicers on insurance programmes that meet Fannie Mae and Freddie Mac requirements — including Borrower-Purchased MI for conventional mortgage portfolios at all LTV tiers.
We act as an expert liaison between your institution and insurance carriers — generating tracking reports, resolving disputes, managing renewals. An extension of your team without the overhead.
Loss draft managementDispute resolutionReporting
About Lendisca
Your advocate in every insurance decision
You don't need another vendor. You need an expert who understands your business — and stays involved long after the policy is placed.
Who we are
Problem-solvers. Advocates. Experts.
At Lendisca, we help lenders, servicers, and institutions navigate the complexity of insurance by comparing quotes across multiple carriers, coordinating programmes, and managing every detail with precision and care.
Our team listens first. We learn how your institution operates and what your clients expect before building coverage that fits your model. We're not just insurance experts — we're the team that stays on your side through placement, renewals, disputes, and claims.
Straight talk, no jargon — you'll always know exactly what you're paying for
One team, one contact — we handle everything from placement to claims
Proactive support — when risks shift or regulations change, we're already on it
Multi-carrier access — we shop the market so you get value, not just convenience
We listen before we recommend
Every engagement starts with understanding your institution — your loan types, your clients, your regulatory environment. We don't sell off-the-shelf policies.
We stay involved after placement
Most brokers disappear after binding. We manage renewals, handle disputes with carriers, generate portfolio reports, and process loss drafts — for the full life of the policy.
We advocate on your behalf
When a carrier pushes back on a claim or coverage determination, we push back harder. We know the policy language, and we know when the answer isn't right.
"They are like an extension to our team — generating reports and resolving disputes — so we can focus on our core business."
Robert Parker — SVP, Trustmark National Bank
Client stories
What our clients say
★★★★★
"Lendisca is a great partnership for our bank. From the simplest tasks to the most complicated processes, they have the knowledge base to solve any of our insurance challenges."
CB
Chad Brown
VP Loan Servicing Manager — Centennial Bank
★★★★★
"They evaluated our business, found us the best insurance to meet our needs, and have been providing excellent customer service. Their personalized approach has made a huge difference."
AB
Anthony Box
Servicing Administrator — AHFA / ServiSolutions
★★★★★
"Working with Lendisca has been an absolute game-changer. Their expertise and personalized approach helped us navigate complex insurance solutions with confidence."
CK
Chuck Kracht
EVP of Lending — Idaho Housing and Finance Association
★★★★★
"They are like an extension to our team — generating reports and resolving any disputes — so we can focus on our core business."
RP
Robert Parker
SVP — Trustmark National Bank
Claims & Support
A named person handles your claim. Every time.
No case numbers, no automated queues, no chasing. When something goes wrong, you call us and a real member of our team picks up — already familiar with your policy and your institution.
How to file a claim
Three ways to reach your team
Every claim is acknowledged within 4 business hours. You'll be assigned a named handler the same day — not a case number.
✆
Call directly
Speak to your account manager or the claims team. Lines open Mon–Fri, 8am–6pm CT. For urgent matters, we have an after-hours line.
(800) 000-0000
✉
Email your handler
Email claims@lendisca.com with your policy number, institution name, and a brief description of the loss. We'll respond within 4 business hours.
claims@lendisca.com
⊞
Submit online
Use our client portal to file, track progress, upload documentation, and receive updates — available 24/7 for all active policyholders.
Client portal login →
What happens next
The claims process
1
You notify us
By phone, email, or portal. We acknowledge receipt within 4 business hours and assign your named handler immediately.
2
We open the file
Your handler reviews the policy, confirms coverage, and contacts the carrier on your behalf. We keep you informed at every step — not just at the end.
3
Documentation & investigation
We gather what's needed — loss assessments, contractor estimates, borrower correspondence — and coordinate directly with the carrier so your team doesn't have to.
4
Resolution & payment
We push for timely settlement, manage loss draft disbursements, and handle any carrier disputes if the determination isn't right. You get a full written record of the outcome.
Specialist claims services
Beyond basic claim filing
Loss Draft Management
For property insurance claims involving repair work, we manage the full loss draft process — coordinating between your institution, the carrier, and contractors. Funds are tracked, conditions are monitored, and disbursements are released on schedule. Your servicing team stays out of the weeds.
Carrier Dispute Resolution
When a carrier denies or underpays a claim, we act as your formal advocate. We know the policy language, the exclusions, and the carrier's obligations — and we know when to push back, escalate, and if necessary, invoke dispute resolution procedures on your behalf.
Portfolio Claims Reporting
We generate structured claims reports across your full portfolio — status by loan, resolution timelines, reserve estimates, and carrier performance data. Formatted for your internal servicing team, compliance function, and external auditors.
REO Claims Coordination
Foreclosed and REO properties have unique insurance and claims complexities. We handle the full lifecycle — from first notice of loss on an occupied property through to final disposition — ensuring coverage stays in force and claims are processed without gaps.
Ready to file or need support?
Talk to your team — right now.
Our claims line is staffed by people who know your policy. No scripts, no hold music, no case numbers.
Claims line
(800) 000-0000
Email
claims@lendisca.com
Hours
Mon–Fri, 8am–6pm CT
Get a Quote
Tell us about your institution. We'll do the rest.
No generic quotes, no automated responses. A member of our team reviews every submission personally and responds within one business day with a tailored recommendation.
1
You submit the form
Tell us about your institution, your loan portfolio, and the type of coverage you need. The more detail, the more accurate our recommendation.
2
We review and research
A senior adviser on our team reviews your submission, assesses your exposure, and shops the market across our 200+ carrier relationships to find the right fit.
3
You receive a tailored proposal
Within one business day, you'll receive a clear, comparable proposal — not a stack of PDFs. We explain what each option covers, what it costs, and why we're recommending it.
4
We answer every question
Before you commit to anything, we walk through the proposal together. No pressure, no upselling — just honest advice about what actually protects your institution.
Request a quote
Start the conversation
Prefer to talk first?
Call us directly
Some situations need a conversation before a form. Call us and a senior adviser will talk through your options — no commitment, no hard sell.
Main line
(800) 000-0000
Email
hello@lendisca.com
Hours
Mon–Fri, 8am–6pm CT
Why institutions choose us
We compare across 200+ carriers — you get the best fit, not just the easiest option
One relationship manager handles everything from placement to claims
All products are GSE-compliant where required, including Fannie Mae MI
Premium financing available — we can fund insurance premiums so borrowers can close
No jargon, no hidden exclusions — every proposal is written in plain English
★★★★★
"They evaluated our business, found us the best insurance to meet our needs, and have been providing excellent customer service ever since."
Anthony Box — Servicing Admin, AHFA / ServiSolutions