For lenders & brokerages
Capacity you can plan on.
For owners, COOs and heads of fulfillment at independent mortgage lenders and brokerages: processing that expands and contracts with your pipeline, with the judgment calls made by people and the routine work handled by systems.
Brokerage rollout
$800
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.
What every 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
The hybrid most operators actually run
Keep the in-house processor. Send the overflow. Your W-2 processor handles the files they know best; we take the spike, the unusual product, and the week they're on vacation. That's the arrangement that survives a bad quarter.
Contract processing wins when
- volume swings more than 30% between quarters
- you're between 50 and 200 files a year
- you're growing and don't want to hire ahead of revenue
- your current processor is at capacity and one more hire is too large a step
- you need coverage for PTO, leave or a departure
- you want cost to move with revenue instead of against it
Where the machine stops
Our developers build and maintain the intake, follow-up and condition-monitoring systems. AI is leveraged inside them to remove waiting. Every decision — is this income calculation right, will this underwriter take this letter of explanation, is this appraisal going to be a problem — is made by a processor with an underwriting background, and every file is audited by a human before submission.
Your pipeline is not our pipeline
We're affiliated with an operating brokerage and we say so. Non-solicitation of your borrowers and referral partners, data segregation and no cross-marketing are contract terms with a defined remedy.
Read the five commitments →