Insurance Services
for Financial Institutions in Tulsa, OK
TEJ Agency delivers lender-focused insurance programs to banks and credit unions throughout Tulsa and Northeastern Oklahoma. As a Managing General Agency (MGA) with more than 50 years of experience, we help financial institutions protect their loan portfolios through insurance tracking, lender-placed insurance, blanket coverage, and loan servicing protection. Whether you serve borrowers in Downtown Tulsa, Broken Arrow, or Owasso, our programs are designed to reduce risk and simplify compliance.
Supporting Tulsa Financial Institutions with Scalable Coverage
We work with lenders across the Tulsa metro and surrounding counties, tailoring every program to fit your operations and regulatory environment.
TEJ tracks borrower insurance for real estate, vehicle, and equipment loans across Tulsa County and beyond. We handle policy verification, lapse detection, borrower notifications, and compliance documentation—allowing your team to stay focused on servicing and growth.
If a borrower’s policy lapses or falls short, we quickly activate lender-placed insurance for hazard, fire, flood, REO, and titled assets. From Midtown Tulsa to suburban markets like Jenks and Bixby, our programs help lenders stay protected without delay.
We offer blanket mortgage, auto/VSI, and equipment policies for institutions seeking broad portfolio protection without borrower-level tracking. Ideal for high-volume lenders in the Tulsa area looking to streamline their operations.
A single oversight can lead to regulatory risk or financial loss. Our E&O coverage protects Tulsa-based institutions from errors tied to escrow handling, missed notices, or loan documentation issues.
Why Lender Insurance Matters in Tulsa
Tailored to Tulsa’s Community Banks and Credit Unions
We serve a wide range of institutions—from local lenders along Route 66 to regional players across the Green Country region.
Supports State and Federal Compliance Standards
TEJ’s services align with Oklahoma Department of Consumer Credit guidelines, CFPB regulations, and investor servicing standards.
Scales with Tulsa’s Expanding Lending Market
As housing and business development spreads across the Tulsa metro, our programs help lenders keep up—without increasing internal complexity.
Frequently Asked Questions
How do flood zones in Tulsa impact the need for lender-placed flood insurance?
Tulsa includes several flood-prone areas along the Arkansas River, Mingo Creek, and Joe Creek, where properties may fall within Special Flood Hazard Areas (SFHAs). If borrowers in these zones allow their flood insurance policies to lapse, lenders face both compliance violations and significant financial risk. TEJ provides timely lender-placed flood insurance coverage to help meet NFIP and investor requirements and to safeguard your collateral. We also assist with documentation and timing to ensure that your institution avoids penalties or coverage gaps during audits.
We’re a small credit union in Owasso. Are these programs too large for us?
Not at all. Our programs are designed to scale up or down based on your institution’s size, loan volume, and internal capacity. Whether you service hundreds of residential mortgages or offer auto loans in the Owasso, Claremore, or Collinsville areas, we’ll tailor a solution to meet your needs. Smaller institutions especially benefit from outsourcing services like insurance tracking and blanket insurance so that internal staff can focus on members, not paperwork. You’ll get the same expert support and responsive service no matter how large or small your team is.
What advantages does blanket insurance offer to Tulsa lenders?
Blanket insurance simplifies risk management for institutions with high-volume lending or limited administrative bandwidth. Instead of tracking individual borrower policies, your portfolio is covered automatically, regardless of whether borrowers maintain insurance. For Tulsa-area lenders, this is especially valuable in rapidly growing suburban communities where loan processing and servicing volume can spike. Blanket programs help ensure uninterrupted protection and reduce the risk of untracked lapses—while also minimizing staffing and compliance strain.
What kind of compliance support do you offer for Oklahoma-based institutions?
We help your institution meet both Oklahoma Department of Consumer Credit (ODCC) servicing guidelines and all relevant federal regulations. That includes compliant borrower notification timing, escrow handling procedures, flood insurance tracking, and documentation for investor or examiner review. Whether you’re being audited by a federal agency or preparing for an internal risk assessment, our team provides clear reports, notice history, and coverage detail to ensure you’re protected. Our compliance-first approach is especially helpful for lenders operating across multiple Oklahoma counties.
What does the onboarding process look like for a Tulsa institution?
Getting started is simple and efficient. We’ll start with a short discovery call to understand your portfolio type, servicing structure, and insurance needs. Then we’ll develop a tailored insurance program using tracking, blanket coverage, lender-placed insurance, and/or E&O solutions. We work closely with your operations or servicing teams to integrate our services into your workflow, ensuring a smooth rollout with minimal disruption. Most Tulsa-based institutions are fully onboarded within a few weeks, and we remain available for hands-on support throughout the life of the program.
