For Lenders & Servicers

Compliance Reports

Audit-ready flood compliance documentation that keeps your organization in full regulatory standing. Track every determination, monitor map changes, and stay ahead of examiner requirements.

Audit-Ready Life-of-Loan Tracking Map Change Alerts

Get Started Contact Sales

FEMA NFIP Compliant Regulation Z Ready 500+ Lenders Trust Us SOC 2 Secure

What's Included

Everything you need to satisfy federal flood compliance requirements.

Determination History

Complete audit trail of every flood determination your organization has ordered, with timestamps, addresses, and certificate references.

LOMC Tracking

Automatic detection of Letters of Map Change (LOMA, LOMR, LOMR-F) that may affect properties in your portfolio.

Map Revision Alerts

Get notified when FEMA publishes new or revised flood maps that impact your monitored properties, so you can act before examiners do.

Life-of-Loan Monitoring

Continuous monitoring of flood zone status for the duration of the loan. If a zone changes, we flag it and provide an updated determination.

Portfolio Reports

On-demand portfolio-level reports showing flood zone distribution, insurance coverage gaps, and compliance status across your entire book.

Bulk Export

Export your compliance data as CSV or PDF for internal audits, regulatory exams, or integration with your servicing platform.

How It Works

Set up once, stay compliant continuously.

1

Order Determinations

Submit individually, in bulk, or via API integration with your LOS.

2

Enroll Properties

Add properties to Life-of-Loan monitoring for continuous zone tracking.

3

Receive Alerts

Get notified of map changes, LOMCs, and compliance actions automatically.

4

Generate Reports

Pull audit-ready reports for examiners at any time from your dashboard.

Built for Regulated Institutions

Compliance reporting designed for the organizations that need it most.

Banks & Credit Unions

Meet FDIC and NCUA flood compliance examination requirements with complete audit trails and timely re-determinations.

Mortgage Servicers

Track flood zone changes across your servicing portfolio and ensure force-placed insurance is applied only when required.

Title & Settlement Companies

Provide lender clients with compliance-grade documentation that speeds up closings and reduces exceptions.

Compliance Officers

Access a single dashboard for flood determination history, monitoring status, and regulatory reporting across your institution.

Frequently Asked Questions

What regulations require flood zone compliance?

The National Flood Insurance Act, the Flood Disaster Protection Act, and the Biggert-Waters Act require federally regulated lenders to determine whether a property is in a Special Flood Hazard Area before issuing a loan and throughout the life of the loan.

What happens when a FEMA map is revised?

When FEMA publishes a new or revised flood map, properties in your portfolio may be reclassified. Our monitoring service detects these changes and alerts you so you can order new determinations and update insurance requirements before your next exam.

Can I integrate compliance reports with my LOS?

Yes. We offer integrations with Encompass, MeridianLink, and a general REST API. Determination results and monitoring alerts can be pushed directly into your loan origination or servicing system.

How does Life-of-Loan monitoring work?

When you enroll a property, we continuously check for FEMA map revisions and Letters of Map Change that affect it. If a change is detected, we notify you and provide an updated determination so you can take the appropriate compliance action.