A large national bank automated lien verification with MBSi and VINchex, identifying 4.36% potential lien loss across their portfolio and preventing up to $2.29 million in wrongful repossession losses within 90 days.
Lien verification can be a manual, cumbersome process for banks due to the lack of a comprehensive database with lien information. Recognizing these challenges and their potential impact, a large national bank took a proactive approach. They wanted to move beyond manual spot-checks and implement a continuous, automated solution to identify potential lien issues before cases were assigned for repossession. Their goal was clear—automate the lien verification process, ensure data accuracy, and create alerts and streamline workflow for potential lien loss.
The bank brought the challenge to MBSi's product team, and together we set out to build a solution that would transform their approach from reactive to proactive.
MBSi's client-led product roadmap is designed to help solve real challenges our clients face. When the bank approached us with their vision for an automated solution, we immediately aligned our product roadmap to help them bring it to life. Working closely together from discovery, testing and implementation, we developed the Lien Verification solution—a scalable, preventative solution to enhance oversight, reduce risk exposure, and support consistent decision-making across the entire portfolio.
The bank also identified VINchex as their data partner of choice, selecting them for their comprehensive coverage across 48 states and proprietary multi-data source waterfall that ensured data accuracy. This partnership meant the bank could trust the information they were receiving and make confident decisions.
"This solution is a lifesaver! We've seen results within a few weeks of launching the lien verification process. Best of all, the automation and active monitoring of our portfolio have allowed us to be proactive and focus our attention on identified lien losses, so we can allocate our time to known cases and streamline our verification process."
— Bank Financial Executive
The bank uses the Lien Verification solution to proactively perform health checks on their portfolio and stay up to date on current lien statuses nationwide. Through the VINchex integration, the bank monitors their portfolio on a 30-day basis and receives alerts of any potential loss. When a potential loss is detected, the case is automatically placed on hold and moved into the Lien Verification Queue for review, giving their team time to investigate before any action is taken.
"Automating lien verification removed manual complexities and introduced consistency across every account, giving me more time to focus on the cases that need attention. The process is faster, clearer, and easier to support from both an operations and compliance standpoint."
— Operations Manager
Within just three months of launching the Lien Verification solution, the bank automated lien verification on 100% of their portfolio and identified 4.36% potential lien loss. Using the Lien Verification Queue, their team quickly worked through and manually verified flagged cases, avoiding all wrongful repossessions and saving the bank millions of dollars.
The bank also configured the solution to meet their specific operational needs, including alias matching, automated schedules and validation at assignment, as well as customized reporting and notifications. This flexibility allowed them to tailor the workflow to their unique requirements while maintaining consistency across the portfolio.
Most importantly, continuous automated lien verification eliminated wrongful repossession risks, preventing up to $2.29 million in potential annual losses while preserving critical customer relationships. This proactive approach reduced disputes and deepened borrower trust. At the same time, the ability to conduct comprehensive audit trails and robust documentation ensured the bank remained audit-ready year-round, maintaining unwavering regulatory confidence.
The bank and MBSi continue to collaborate on enhancements to Lien Verification, including expanded configurability and faster data refresh cycles — further reinforcing the bank's commitment to responsible, technology-enabled lending operations.
Interested in automating your lien verification process? Reach out to sales@mbsicorp.com to get started.
Copyright © 2026, MBSi Corp. All rights reserved.
MBSi is proud to be a member of the Agero family of companies and pleased to connect our lender partners to the many services and products available through Agero.
Copyright © 2025, MBSi Corp. All rights reserved.
MBSi is proud to be a member of the Agero family of companies and pleased to connect our lender partners to the many services and products available through Agero.