It seems to me it would go to the investor first.

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I don't think it matters. It may even go to both at the same time.

It depends on the servicers procedures.... I've had some go to MI first... some that send it to the investor first.

From previous experience, I usually see it go to the MI company first. 

 

The ones that I have worked with BofA were sent to the MI company first.

 

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