I don't know that CDARS actually farms out the money as much as they spread out the insuance coverage. I am checking into this myself. I talked to people from one bank that claims Promontory Interfinancial Network does a good job. (www.promnetwork.com) This is NOT a recomendation as I have not tried it myself. That will be after October 1st
and after I set us up for HMDA
.