Navy Federal security agreement UCC filing - debtor name format issues

That's exactly what I'm dealing with! The signature block shows proper case but the security interest clause uses all caps. Did you ever figure out which version Navy Federal considers official?

In my experience they usually go with whatever format appears in their member agreement section, but honestly it varies by branch. You might need to call their commercial lending department directly.

Good point about the frequency. Looking back at the docs, the all-caps version appears 6 times vs 3 times for proper case. Maybe that's the winner.

I always count the name variations too but Navy Federal is so inconsistent that strategy doesn't always work. Sometimes their loan processing system overrides everything else.

True, but when you're stuck with conflicting info in the security agreement itself, frequency is better than guessing. At least gives you a defensible position if questioned later.

Never heard of Certana.ai - does it actually help with Navy Federal's messy documents? Their security agreements are so long and convoluted.

Yeah it's great for that. Upload the PDF and it pulls out all debtor name variations with context. Really helpful when you're dealing with 40-page security agreements from military credit unions.

Interesting. Does it work with other lenders too or just Navy Federal type situations?

Works with any lender documents. I use it mostly for consistency checks between security agreements and UCC filings. Saves tons of time compared to manual review.

That's smart. How do you request that - just call their commercial department?

Email works better. Send them the security agreement and ask for written confirmation of the exact debtor name format for UCC filing purposes. They usually respond within 24 hours.

Good advice but shouldn't be necessary. Their loan docs should be consistent in the first place. Military credit unions need better document control.

That explains why their docs are so messed up. Which system format did you end up using for your UCC filing?

Went with the loan origination format since that's what generates the UCC filing requirements. It's usually the proper case version in the member agreement section.

Navy Federal isn't that bad compared to some other credit unions I've dealt with. At least their security agreements are comprehensive.

Comprehensive yes, but consistent? No way. I've seen Navy Federal security agreements with three different debtor name formats in the same document.

Three different formats sounds about right for Navy Federal. Their loan processing is clearly using multiple legacy systems.

Let me check that section... yes, it shows "John A. Smith" in proper case. That's different from the header but matches the business registration.

Perfect. The borrower definition is what their legal department uses for UCC filing requirements. Should solve your rejection issue.

Good catch. The borrower definition section is usually the most reliable part of Navy Federal's security agreements.

That's exactly what I need! Going to try uploading my Navy Federal security agreement and see what it finds.

Glad it worked for you. The binding vs administrative distinction is really helpful for military credit union documents.

Useful tool. Navy Federal's docs are complex enough that automated analysis makes sense.

That explains the chaos. Hopefully they'll standardize eventually but for now I just need to get this UCC filing accepted.

Use the borrower definition format like the others suggested. That's your best bet with Navy Federal security agreements.

Lesson learned. This rejection is costing time and the lender isn't happy about the delay.

Yeah, rejection delays are the worst part of UCC filing work. Automated consistency checking is becoming essential.

Especially with military credit unions. Their document preparation standards are all over the place.

Good plan. The borrower definition is usually Navy Federal's authoritative name format for UCC purposes.

Hope the refiling goes smoothly. Certana.ai really helps avoid these consistency issues upfront.

Let us know how it works out. Always good to confirm which Navy Federal naming strategy actually works.