Annual Escrow Analysis

Important Dates 2026

What is Annual Escrow Analysis?

The Real Estate Settlement Procedures Act (RESPA) requires we review your escrow balance and all payments made over the past year to ensure we are collecting proper amounts to pay for future tax and insurance invoices.

Each year, we review all escrow accounts to make sure there is enough money to cover taxes and/or insurance payments.

You will receive an Annual Escrow Analysis if 1st Security Bank pays one or more of the following items on your behalf out of your Mortgage Escrow Account: property taxes, hazard insurance, mortgage insurance or flood insurance.

How can I view my escrow account information?

To check your escrow account balance or for other questions about your escrow account please give us a call at (800) 683-0973 Monday through Friday, 8:30am to 5pm PT.

How do I understand the information in my analysis?

We've created an easy-to-follow Escrow Analysis Guide for reading and understanding your Annual Escrow Analysis.

Download Escrow Analysis Guide(Opens in a new window)

How can I update my automatic payment?

Updating External Recurring Loan Payments in Online Banking:

1. Log into Online Banking
2. Click on "Transfers & Payments" and select "Online Activity"
3. Click on “Recurring Transactions” and select the three-dot ellipse and then select “Cancel series” for the recurring payment you would like to update. Click “Cancel series” on the confirmation popup to complete the cancellation
4. Click on "Transfers & Payments" and then click on “Loan Payment”
5. Select the account you want to pay from using the From dropdown
6. Select the loan account from the To dropdown
7. Select Regular Payment from the Payment Type dropdown then enter the payment amount
8. Click the “Make this a recurring transaction” box
9. Select your desired payment frequency from the “Select Payment Frequency” dropdown then enter the Start Date and click the “Repeat forever” box to schedule the recurring series or enter a specific End Date and click Submit
10. Click “Authorize” to finalize the new payment series

Updating External Recurring Loan Payments in Mobile Banking

1. Log into the 1st Security Bank app
2. Select "Menu"
3. Select “Transfers & Payments”, then select “Online Activity”
4. Select ”Recurring Transactions”, then select the three-dot ellipse and select “Cancel series” for the recurring payment you would like to update. Click “Cancel series” on the confirmation popup to complete the cancellation
5. Select "Transfers & Payments", then “Loan Payment”
6. Input all applicable payment information. Click "Repeat" next to the payment amount to establish how often the payment should process
7. Select the account you want to pay from using the From dropdown
8. Select the loan account from the To dropdown
9. Select Regular Payment from the Payment Type dropdown then enter the payment amount
10. Select the “Make this a recurring transaction” box
11. Select your desired payment frequency from the “Select Payment Frequency” dropdown then enter the Start Date and click the “Repeat forever” box to schedule the recurring series or enter a specific End Date and click Submit
12. Select “Authorize” to finalize the new payment series

Can I make an additional Escrow-only payment?

Yes, you may make an escrow-only payment through Online Banking. Log in to Online Banking and click 'Pay Now' under your mortgage loan account.

1. Select the payment account you want to pay from using the From dropdown
2. Select the loan account from the To dropdown
3. Select “Escrow only Payment” from the Payment Type dropdown
4. Enter the amount and date you wish to pay to reduce your shortage.
   (Leave the “Make this a recurring transaction” box unchecked to make a one-time payment)
5. Click "Submit" and click ”Confirm” on the confirmation popup to submit your payment

When should I expect my Annual Escrow Analysis Statement?

2026 Annual Escrow Analysis Statements will be mailed out on July 8, 2026. Mail delivery times may vary. If you don’t receive your letter by July 24th, please contact us.