Why Do [Refinance Titles] Get Delayed?

Inaccurate Tax, Title, and Registration fees cause 15-20% of loans to be rejected or delayed
Manual fee corrections create operational bottlenecks and funding delays
Competitors provide estimates only - not actual calculations or compliance data

What Does [ATC Handle]?

[Complete Title Processing]

We handle the entire workflow — from lien release coordination to DMV submission to final title delivery. Not just estimates or partial solutions.

[All-in-One Platform]

Our single solution handles title, tax, registration, lien releases, and all required documentation across 11,000+ jurisdictions.

[Real-Time Updates]

Jurisdiction changes reflected immediately — no quarterly updates or maintenance windows. Track every title through our online portal.

Why [ATC]?

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[Real Impact]

Refinance lenders face unique challenges that delay funding and create operational headaches:

Regional Credit Union

  • Reduced title exceptions by 47%
  • Decreased funding time from 21 days to 7 days

    • Multi-State Online Lender

  • Eliminated $850K in annual title rework costs
  • Increased first-pass title accuracy to 94%

    • “

    ATC has helped us astronomically. A majority of our volume is out of state and no matter how many deals we send to them, they are always on top of everything and very thorough.

    Ryan Yount

    Falls Mobility Finance

    How Does [Refinance Title Processing] Work?

    Step
    1
    Submit Your Refinance Loan: Upload loan details through our portal or API integration. We handle the rest.
    Step
    2
    We coordinate lien releases ATC contacts the original lienholder, obtains lien release documentation, and prepares all state-required forms.
    Step
    3
    DMV Processing We calculate exact fees, submit paperwork to the appropriate DMV, and manage all follow-up communications.
    Step
    4
    Title Delivery New title is issued with your lien position and delivered to your preferred address within days, not weeks.

    Who Is It [Built For]?

    Whether you’re processing 50 loans or 5,000 per month, ATC scales with your business. Our usage-based platform means you only pay for what you use—no setup fees, no monthly minimums.”

    Perfect for:

  • Auto refinance lenders
  • Credit unions
  • Online lenders
  • Captive finance companies

    • The [ATC Difference]

    Contact us to learn more

    Auto Refinance [FAQs]

    What is auto refinance title processing?

    When a borrower refinances an auto loan, the title must be updated to release the previous lender’s lien and record the new lender’s lien. Auto refinance title processing covers the lien release, tax and fee calculation, DMV paperwork, and delivery of the updated title.

    Which lenders does ATC work with for refinance titles?

    ATC works with auto refinance lenders, credit unions, online lenders, and captive finance companies.

    How do lenders submit refinance title work to ATC?

    Lenders submit each loan through the ATC portal or by API. ATC then coordinates the lien release, calculates fees, handles the DMV submission, and delivers the new title with your lien recorded.

    How is ATC’s refinance title processing priced?

    ATC uses usage-based pricing for refinance title processing, with no setup fees or monthly minimums. Pricing scales with your monthly volume.

    Does ATC process refinance titles in every state?

    Yes. ATC processes refinance titles in all 50 states, using fee data for more than 11,000 tax jurisdictions.