Lender offers escrow for some loans but does not offer escrow for bridge/construction only loans. On P. 4 of the CLOD, may the bank choose the "lender does not offer one" box when disclosing a bridge loan.

I believe that this disclosure is account specific. If you never require an escrow account on a specific account type and would never accept a request to establish one, then you would just say so.

What if on a specific product type, you don't offer it, but if they ask, you'd do it? How do you disclose that? This is our situation with our odd covered transactions that are secured by ag or business RE. We don't typically escrow for those properties, but if they asked, we would.... Help?

our software allows that choice to be on a transaction basis. I'd say in on the LE that (if it's consumer purpose) that we don't do them, because we don't unless specifically asked for that type, then on my CLoD, if they asked, I'd change that box.