Is my Escrow Analysis changing?

Yes. Rather than a November analysis with a January payment change, your loan will be on one of the following schedules:

  1. If you have a fixed rate loan, the analysis will be completed in August and mailed to you with a payment change for October. 
  2. If you have an adjustable rate loan, the analysis will coordinate with your rate change, and the payment will reflect both the rate change information (if applicable) and the escrow change.

Credit Bureau Reporting 

Currently, BloomBank reports all loans to individuals to the credit bureaus. Starting Monday, April 23, 2018, MutualBank will assume this reporting responsibility.” MutualBank encourages you to review your credit report annually. You can do this by requesting a free credit report at

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