I can only comment on what our normal practice is in this area. I am in the larger metro area in Kentucky. The majority of the time we use title opinions but we also do not particiapate in the secondary market. We generally work with a hand full of attorneys, title companies, etc., where over the years we have been able to become familiar with their work; their accuracy,professionalism, their ability to work with us, etc. We also keep a copy of their errors and ommissions policy on file. If we have a customer who wants to use an individual we are not familiar with, at that time we generally do require lenders title insurance.
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