Coverage · ID
Contract loan processing in Idaho
OneTouch Processing is licensed in Idaho (NMLS #2662100). Independent mortgage lenders, brokerages and loan officers in Idaho send us files and get back a processed loan: intake, disclosures, borrower follow-up, pre-submission review by an underwriter-trained processor, condition tracking and closing coordination.
Independent brokers & loan officers
$900
per funded file
No retainer, no monthly minimum, no per-LO seat fee, no setup cost. If the loan doesn't fund, you're not billed.
We work inside your LOS rather than asking you to change systems. Systems our own developers built handle the fetching, indexing and reminding; a human audits every Idaho file before it goes to the lender.
Pricing is published: $900 per funded file for brokers and loan officers, $800 on a brokerage rollout, disclosed on the Closing Disclosure and collected at funding. Nothing is owed if the file doesn't close.
Also licensed in Michigan and Minnesota. All states →
What every Idaho file includes
- Intake and file setup in your LOS
- Initial disclosures
- Document collection and borrower follow-up
- Third-party ordering — appraisal, title, VOE, payoffs
- Pre-submission review against lender guidelines
- Lender submission
- Condition tracking through clear-to-close
- Closing coordination with the title company
- CD review
- Funding follow-through
- Status updates to you, your LO and your borrower
How a Idaho file moves
01
Intake — same day.
Your file lands in your LOS. The documents already there are pulled, indexed, and what's missing is flagged. A processor reviews the flag list before anything goes to your borrower.
Automated
Document pull and index.
Human
Reviews flags before borrower contact.
02
Disclosures.
Initial disclosures are prepared and tracked to acknowledgement so the clock starts on time.
Automated
Package assembly and e-sign tracking.
Human
Reviews the package before it goes out.
03
Document collection.
Automated borrower follow-up on a schedule. Escalation to a human on the second miss.
Automated
Scheduled follow-up.
Human
Escalation.
04
Pre-submission review.
This is the step that makes speed possible. A processor with an underwriting background reads the file the way an underwriter will. Conditions get resolved before submission, not after.
Automated
Nothing.
Human
The entire step.
05
Condition tracking.
Systems monitor every outstanding condition and every date. You get status without asking.
Automated
Monitoring and reminders.
Human
Every response to the underwriter.
06
Close.
CD review, title coordination, funding follow-through.
Automated
Date and document tracking.
Human
CD review and sign-off.