Outsourced loan processing
Hand your processing workload to an experienced U.S.-based contract team. You keep origination, structure, and lender selection. We carry the file from registration to clear-to-close — and you only pay for the volume you actually send.
Instead of hiring, training, and carrying an in-house processor through slow months, you contract processing out file by file. The work is the same — registration, disclosures, third-party orders, condition management, closing coordination — but the cost moves from fixed overhead to variable cost tied to closed volume.
No salary, benefits, or downtime to absorb when the pipeline slows.
Send two files or twenty. Capacity flexes with your month instead of capping it.
Registration, disclosures, orders, and conditions handled end to end.
Disclosure timing and documentation handled to your and your lender's requirements.
Skip the recruiting, onboarding, and training runway of an in-house hire.
Your hours go back into applications and referral relationships.
| Consideration | In-house hire | Outsourced |
|---|---|---|
| Cost structure | Fixed salary plus benefits, paid in slow months too | Per file or retainer, tied to actual volume |
| Ramp-up time | Weeks of recruiting, onboarding, and training | Live once system access is set up |
| Coverage gaps | PTO, sick days, and turnover stall the pipeline | Coverage continues without a gap |
| Scaling up | Requires another hire | Send more files |
| Best fit | High, steady volume year-round | Variable volume, growing shops, overflow |
Every shop is different — the right answer depends on your monthly volume and how predictable it is.
We cover your loan types, monthly volume, lenders, and communication preferences.
We agree on turn times, scope, and per-file or retainer pricing up front.
We're set up in your LOS and lender portals under your compliance requirements.
You submit structured files with the lender selected. We register, disclose, and order.
Conditions worked, status communicated, files driven to clear-to-close.
Need front-end help too? Loan Officer Assistant support is available as a separate service.
Mortgage process outsourcing is contracting your loan processing work to an outside team instead of employing processors in-house. The outsourced processor handles registration, disclosures, third-party orders, and underwriting conditions through clear-to-close, billed per file or on a retainer.
Pricing depends on loan type, monthly volume, and the systems involved. Most shops choose either per-file pricing for variable pipelines or a monthly retainer for steady volume. We quote after a short intro call.
It usually is for shops with variable or growing volume, because you pay only for the files you send instead of carrying a salary and benefits through slow months. At high, steady volume an in-house hire can become more economical.
Yes. We work in the systems you already use, with access levels set according to your company's and your lender's policies.
We work inside your own LOS and lender portals rather than moving borrower data into outside systems, and we follow your company's access and handling requirements.
Once scope and pricing are agreed and system access is granted, we can begin taking files right away.
Clear to Close. That's the goal.
Tell us your loan types and monthly pipeline and we'll put together a quote that fits.