What is contract loan processing?

Contract (third-party) loan processing is outsourced mortgage fulfillment: a licensed processing company handles intake, disclosures, document collection, pre-submission review, lender submission, condition tracking and closing coordination for a lender or loan officer, usually billed per funded file. OneTouch Processing charges $900 per funded file for independent brokers and loan officers ($800 on a brokerage rollout) and is licensed in 11 states.

Does OneTouch Processing use AI?

OneTouch's own developers build the systems that pull and index documents, run scheduled borrower follow-up and monitor conditions. AI is used inside those systems to remove waiting; it does not make decisions. Every file is audited by a processor with an underwriting background before it goes to a lender.

Licensed in FL, ID, MI, MN, MT, NC, OH, OR, PA, TX, WA · NMLS #2662100

Contract loan processing for independent mortgage lenders and the loan officers who carry the relationship. Underwriter-trained processors, AI-assisted workflows built by real developers, and a human review on every file before it goes anywhere.

Processing that scales with your pipeline, not your payroll.

Scroll to explore

The line we hold

Software fetches, parses, tracks and reminds. It does not decide. Every judgment that touches your borrower, your lender or your file is made by a processor with an underwriting background.

[001]

Trust

We are affiliated with an operating brokerage and we say so on the page. Five pipeline commitments live in the service agreement with a defined remedy, not in a values statement.

[002]

Technology

Intake, indexing, scheduled borrower follow-up and condition monitoring run on systems our own developers built and maintain. AI is used where it removes waiting, never where it would replace a decision.

[003]

High touch

A named processor on every file. Status to you, your LO and your borrower without anyone having to ask. Escalation to a person on the second missed follow-up.

[004]

Human

Before a file goes to a lender, a person who has sat on the underwriting side reads it the way the underwriter will. Conditions get resolved before submission, not after.

The economics

Cost that moves with revenue, not against it.

A fully loaded W-2 processor costs $57,000–$79,000 a year whether or not the files show up. Contract processing at $800–$900 per funded file costs nothing in a quarter with no volume.

Idle capacity

In a quarter where volume halves, the salary doesn't. That is the cost that hurts.

Time to fill

SHRM puts median time-to-fill at 39 calendar days for non-executive roles, before 8–12 weeks of ramp.

Where in-house wins

Above roughly 64–98 closed loans a year per processor, steady, an in-house hire beats $800–$900 a file on the math alone. We'd rather you hear that from us.

See the full math

Sources: BLS OEWS (May 2023), BLS ECEC USDL-26-0827 (Mar 2026), STRATMOR Group processor productivity benchmark, SHRM recruiting benchmarks. Full tables and dates on the article page.

Who it's for

Built two ways: for the company, and for the loan officer.

Independent mortgage lenders and brokerages that need processing capacity they can plan on. Loan officers who need their files to move without waiting on a queue.

For Lenders & Brokerages

[001]

Owners, COOs and heads of fulfillment. Add capacity without hiring ahead of revenue; keep your in-house processor and send the overflow, the unusual product, and the vacation week.

For Loan Officers

[002]

You carry the relationship. We carry the file: intake, disclosures, borrower follow-up, condition tracking and closing coordination, with status to you and your borrower without asking.

How a file moves

[003]

Six steps. Each one has a line where the machine stops and a person decides. Same-day intake. Pre-submission review is entirely human.

Coverage

Licensed where you lend.

Eleven states today, NMLS #2662100. We don't process files where we aren't licensed, and we don't count states we've never processed a file in.

Start with one file. Or start with a conversation.

No contract, no minimum, no retainer. Tell us about your pipeline and we'll tell you honestly whether we're the right fit.

Request a conversation Tap to call (424) 704-5950