Title Search Insurance Integration

Secure and Streamline Property Verification with Title Search Integration

Questions answered:​

1. What is Title Search Insurance?

2. What is the Role of a the Title Search Insurance Integration in Loan Origination?

3. How Covaleyo Integrates with Title Search Insurance

4. What Are the Benefits of the Title Search Insurance Integration?

5. Timeline for Implementation

Speed up mortgage approvals and protect your collateral interests with integrated land title search, registration, and insurance capabilities—powered by Covaleyo’s LOS and Registry Complete. This integration simplifies property due diligence by embedding real estate title services directly into your loan origination workflow, helping Canadian lenders automate risk assessment, reduce legal exposure, and enhance borrower experience.

What is Title Search Insurance?

In mortgage lending, land title services are critical for verifying property ownership, confirming lender rights, and protecting against title-related risks.

Key Components:

  • Land Title Search: Conducted through provincial land registries to confirm ownership, check for liens or encumbrances, and validate the borrower’s legal right to mortgage the property.
  • Title Registration: Officially records the lender’s mortgage claim in the land registry to secure legal priority over the property.
  • Title Insurance: Provides protection for lenders and/or owners against risks such as fraud, registry errors, undisclosed liens, and legal ownership disputes.

These steps are essential to ensure the lender’s claim on the property is valid and enforceable in case of borrower default.

The Role of the Title Search Integration in Loan Origination

Without integration, lenders must manually navigate provincial registry systems and work with third-party title providers—slowing down approvals and increasing the risk of errors.

By integrating land title search, registration, and insurance services into the LOS, lenders can:

  • Automate title verification and registration
  • Order title insurance digitally
  • Validate property and security data within the application workflow

This results in a more efficient, compliant, and scalable mortgage origination process.

How Covaleyo Integrates with Title Search Insurance

Covaleyo partners with Registry Complete to deliver seamless title integration via its Prolender platform:

  1. Data Mapping: Security information from ProLender is mapped to Registry Complete.
  2. Validation Workflow: Title search and registration requests are initiated and tracked from within the LOS.
  3. Real-Time Access: Registry results and title insurance confirmations are synced back into the loan file.
  4. End-to-End Automation: All title-related activities occur within a single interface, eliminating external workflows.

This process simplifies due diligence and ensures that every mortgage is backed by verified and registered title security.

Benefits of the Title Search Integration with Covaleyo

Lenders gain several operational and strategic advantages from this integration:

  • Faster Mortgage Approvals: Automate title workflows to reduce turnaround times.
  • Improved Accuracy: Eliminate manual re-entry and reduce documentation errors.
  • Better Compliance: Ensure title processes adhere to provincial regulations and underwriting policies.
  • Risk Reduction: Confirm ownership status and protect against post-funding title defects.
  • Integrated Insurance Ordering: Order and manage lender title insurance policies from within the LOS.
  • Enhanced Borrower Experience: Deliver a smoother, faster closing process with fewer administrative delays.

Implementation Timeline

Title search and registration integration with Covaleyo can typically be implemented in one to two weeks, depending on the LOS environment and Registry Complete configuration. This includes UAT and staff onboarding.

Ready to simplify your property due diligence and reduce closing risks?

Contact Covaleyo today to activate your land title search, registration, and insurance integration.

Contact us to learn more

Experience the Benefits of Covaleyo's Integrated LOS

A Loan Origination System (LOS) needs to enable Credit Unions to streamline their lending processes as well as ensure they can add additional functionality without a significant impact to operations. An integrated LOS has numerous benefits including reduced errors, efficiency gains, and additional channel options.

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Ask us anything

A PPSA search checks for existing liens on personal property that a borrower is offering as loan collateral.

It verifies the current ownership, liens, and legal claims on a property before issuing a mortgage.

Title registration legally secures the lender’s interest in the property, ensuring claim priority in the event of default.

Covaleyo maps LOS data to Registry Complete, enabling lenders to complete title tasks without leaving the platform.

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