Outsourced mortgage fulfillment for IMBs, banks and credit unions: Mortgage fulfillment that scales with your pipeline, not your payroll
Our team works your files inside your LOS, from initial disclosures and order-outs to doc draw, QC and shipping. Every desk follows your guidelines and overlays, with a defined turn time.
Your capacity plan request is in.
We’ll reply with a recommended scope, confirmed turn times and a pilot plan.
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- No borrower data needed
- No minimum volume
- No minimum volume, so you can start with one desk
- Worked inside your LOS, to your guidelines and overlays
- A defined turn time on every desk
- Credit policy, overlays and exception approvals stay with your team
Prefer to talk it through? Call (302) 209-7449 or email orders@ctcnationwide.com
Staff for the trough. Flex for the peak.
Rates move overnight. Hiring doesn’t. When a rate drop floods your pipeline, files stack up, turn times slip, pull-through suffers and closed loans sit longer on your warehouse line. When the market turns, the headcount stays.
| Hiring for the peak | With CTC Nationwide | |
|---|---|---|
| Ramping up | Recruit, onboard and train before a new processor or underwriter can work a file | Route files to a team already working these desks, starting with one |
| When the market turns | Idle desks, then hard staffing decisions | Send fewer files. There’s no minimum volume |
| Turn times | Slip with every volume spike and month-end | A defined turn time on every desk |
| Loan quality | QC designed, staffed and run in-house | QC at five checkpoints, from prefund to post-closing |
| Control | Your LOS, your team, your training load | Still your LOS, guidelines, overlays and credit authority |
Start with one desk. There’s no minimum volume.
Know when every file comes back.
Each desk runs on a defined turn time, confirmed once we’ve reviewed your scope. Every update, condition and document lands in the loan file your team already works from.
- Worked inside your LOS, including Encompass, with the user rights you assign
- Files worked to agency and investor guidelines plus your overlays
- Disclosures and CDs prepared to TRID requirements
- Change or remove our access at any time
Conventional purchase
Worked in your LOS by our team
- Initial disclosures out2–4 hrs
- Set up, order-outs placed24 hrs
- PTD conditions cleared12–24 hrs
- Underwriting QC passed2–4 hrs
Next up: doc draw and final CD in 4–12 hours.
Every desk, from initial disclosures to investor purchase
Each desk is worked inside your LOS, to your guidelines and overlays, with a defined turn time. Five are QC checkpoints, from prefund to post-closing, so defects are caught before they turn into suspended purchases or repurchase demands.
Tick the desks you want help with. They go straight into your capacity plan.
Setup and disclosures
You keep the application, lock policy and pipeline hedging.
Processing and underwriting
You keep credit policy, overlays and exception approvals.
Closing
You keep funding and the borrower relationship.
Post-closing and delivery
You keep investor selection, execution and your QC plan.
Processing support and pre-underwriting turn times vary by file. All turn times are confirmed once we’ve reviewed your scope.
Select the desks you need
Then get a capacity plan built around them, or ask us to recommend a starting point.
Two ways to work with us
Use us for overflow and peaks, or build a dedicated team around steady volume. Either way, files are worked in your LOS, to your overlays.
Per-file support
For overflow, peaks and single desks
Send files to any desk when you need them: overflow in a refi wave, the month-end crunch or a desk you’d rather not staff.
- No minimum volume
- Start with one desk and add more anytime
- A defined turn time on every desk
Dedicated team (FTE)
For steady monthly volume
A team that works only on your loans, built around your workflow, guidelines and overlays, and scoped to each process you hand over.
- Works only on your loans
- Built around your workflow and overlays
- Scoped to each process you hand over
Your questions, answered
Something else your team needs to know? Email orders@ctcnationwide.com or call (302) 209-7449 and we’ll get back to you.
Get my capacity planWhich desks can you take on?
Any of the 16 desks on this page, from initial disclosures to investor purchase. Each one is scoped on its own, so you can start with a single desk and add more as you go.
Do you work inside our LOS?
Yes. Our team works inside your LOS, including Encompass, with the user rights you assign. Every update, condition and document lands in the loan file your team already works from, and you can change or remove access at any time.
Who keeps credit authority?
You do. Files are worked to agency and investor guidelines plus your overlays, and credit policy and exception approvals stay with your team. If you add our conditions review desk, our underwriters issue the final clear to close only once every prior-to-docs condition is satisfied.
How do you handle TRID timing?
Initial disclosures and changed circumstance redisclosures are turned in 2–4 hours, well inside the three-business-day window. Your processor requests the initial CD at least 7 days before closing, and we issue it within 1–2 hours, leaving room for the three-business-day waiting period. Before it goes out, we check it against the final LE.
How do you protect borrower NPI?
Our team works inside your systems with the user rights you assign, so you control what we can see and can revoke access at any time. Send us your vendor due-diligence questionnaire, and we’ll walk your information security and compliance teams through our controls.
How does this reduce defects and repurchase risk?
A defect found by your investor can mean a suspended purchase, a repurchase demand or an indemnification. Pre-underwriting reviews credit, income, assets and collateral before submission, so files come back with fewer conditions. Underwriting QC, the pre-closing audit and post-close QC then catch defects before closing and funding, while they’re still quick to fix. After closing, the final docs audit routes exceptions to your corrections team, and closed loan QC grades defects in your post-closing sample so you can see where they start.
Can you absorb a refi wave or month-end spike?
Per-file support is built for that. There’s no minimum, so you can send more files when apps spike and fewer when the market turns. Share your expected peaks and we’ll plan capacity around them. If your volume is steady, a dedicated FTE team that works only on your loans may be the better fit.
How do we get started?
Share your monthly closed units, your LOS, your channel and the desks you want help with. We’ll recommend a scope, confirm turn times and set up a pilot on one desk with a handful of loans, so you can judge the results before adding more.
Be ready for the next refi wave.
Tell us where files back up today, whether it’s setup, conditions, doc draw or shipping. We’ll recommend the desks to start with, confirm turn times and set up a pilot.
How to get started
Tell us where files back up
Share your monthly closed units, channel, LOS and the desks you’d like help with.
Get your capacity plan
We map the right desks to your workflow and confirm scope and turn times.
Run a pilot
Start with one desk and a handful of loans, review the results, then add more when you’re ready.
Turn times shown are indicative and confirmed once we’ve reviewed your scope, monthly units and workflow.