For loans on record in a bank's own counties, Titleman Signals lists the properties with a loan maturing, weak coverage or a delinquency, each with its date and the owner behind it, so the next 12 months is a sort on the maturity date. No tool can honestly state likely defaults as a fact: what AI can do is restate each property's coverage at today's rate, which Titleman does as a property underwriting in about an hour at the measured median, and leave the credit call to the bank.
Published by Titleman, which makes one of the tools compared. Updated 19 October 2026.
Two lists a community bank needs
- Its own book. Every maturity date already sits in the bank's core system. The open question is whether each property still covers its loan at today's rate. Send the property's rent roll and T-12 and Titleman returns a property underwriting: a memo and a live Excel with NOI, DSCR and debt yield, and a grid of DSCR at rate and loan-to-value.
- Its market. Loans on record in the bank's counties that come due, have weak coverage or are delinquent. They matter twice: as pressure on nearby values, and as owners who will need a refinance.
What Signals flags
| Signal | What it means | Properties tagged nationwide, 13 Oct 2026 |
|---|---|---|
| Loan maturing within 24 months | A balance comes due inside two years | 4,689 |
| Weak coverage | Income covers the debt thinly | 4,166 |
| Occupancy down | Fewer units or square feet let than before | 2,763 |
| Tax delinquent | Property taxes unpaid | 1,760 |
Each row carries the date of the fact and the owner behind the property. Source names are not shown. Coverage varies by county, so count your own counties from a fresh pull, not from this table.
Flagging the next 12 months, step by step
- Choose the counties the bank lends in.
- Filter to loans maturing within 24 months and sort by the maturity date; keep the first 12 months.
- Cross that list with weak coverage and falling occupancy.
- For loans in the bank's own book, run the property underwriting at today's rate.
- Take the result to credit. The decision is the bank's.
What it costs in time: a property underwriting takes about an hour and a property passport about 4 minutes, measured medians on production runs in the 30 days to 13 October 2026. Signals is a weekly list, not a run.
What it does not do
It does not predict default, check the borrower's credit or underwrite the sponsor. It underwrites the property, the collateral. It does not replace the bank's core system or an appraisal.
How the county list is built is in finding CRE loans maturing in a county, the file-level screen in how lenders screen loans for default risk, and other lender tools in AI tools for commercial real estate lenders. The product is on the Signals page.
FAQ
Does Signals see the bank's own loans?
No. It reads loans on record. The bank's own maturities sit in its core system.
Why watch other lenders' maturing loans?
They move nearby values, and their owners need refinancing.
How can a bank get Signals?
It is opened for demo teams: seven days in the counties you choose.
Request a demo and ask for the list for your counties.