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O2I Streamlined the Underwriting Processes of a Leading US Residential Lender Using Automation

Case Study on Streamlining the Underwriting Processes of a Leading US Residential Lender

The Client

The client is one of the top US residential lenders in the Texas region.

Client's Requirement

The client wanted to improve its underwriting productivity.

Client's Challenges

This project had to overcome many challenges, including -

  • Missing information
  • Absence of metrics for benchmarking
  • Low underwriting productivity

These challenges were resulting in -

  • Wrong income and asset calculation
  • Generation of poor-quality loans
  • Increase in denial rates
  • A massive backlog of loans requiring immediate underwriting

O2I's Solution

Our solution included -

  • Automating the loan file indexing process using our proprietary tool, MSuite
  • Extracting and validating data using MSuite
  • Redefining the process of lending decision analysis (ensuring that two years of employment history and resident history was included in the paperwork)
  • Basing the credit capacity on the existing income
  • Properly supporting the property values with accurate comparables
  • Preparing the correct questionnaire to validate the data accuracy from customers
  • Red flagging issues that required further investigation
  • Reviewing every loan file by an appropriate special guidelines team

The Results

With our high-quality services, the client was able to achieve -

  • Significant reduction in the amount of information the underwriter needed to review
  • 2X improvement in the underwriting productivity and efficiency within 3 months
  • 40% reduction in the underwriting turnaround time
  • Substantial increase in the growth of the home loan portfolio (almost $5 million within 6 months)
  • 40% decrease in operational costs

Outsource Mortgage Services to Outsource2india

Outsource2india is a leading provider of a full range of high-quality mortgage services to a global clientele. Our 25 years of experience in providing a range of mortgage support services, including processing support, pre-processing support, mortgage closing support, and mortgage post-closing support services, among others, provides us with industry-leading knowhow and expertise to be able to always provide exceptional quality services. With our services, you can boost productivity and cut costs.

If you are looking for a reliable, professional, efficient, timely, and cost-effective provider of mortgage services, get in touch with us today.

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