OUR SERVICES
Loan processing services built for mortgage professionals
End-to-end loan file management from intake through clear-to-close, with a target clear-to-close timeline of 21 days or less on complete and responsive files.
A single, dedicated processor maintains ownership of the file throughout the entire lifecycle, ensuring continuity, accountability, and consistent execution.
Each loan officer or lending team works with an assigned processor rather than rotating team members.
This structure creates predictable workflows, clearer communication, and defined ownership across every file.
Our team of processors are experts across all loan types. We don’t just handle FHA, Conventional, VA, and USDA loans, our team has also processed thousands of Non-QM loans, including DSCR, Foreign National, Bank Statement, and P&L loan programs.
Our team is ready to tailor communication to fit your needs. We can provide updates to borrowers, agents, and your team members in the format, frequency, and style you prefer.
Clean, audit-ready file closeouts tailored to each loan officer’s internal process.
Compliance tasks are completed thoroughly to support post-close reviews and long-term operational integrity.
We don’t operate as a siloed back office. Our team integrates directly with your loan officers and lending teams.
Loan officers and team members are encouraged to reach out during the origination and pre-processing stages to ask questions, validate loan structure, and anticipate underwriting requirements before a file is submitted.
Because our processors are deeply experienced across all loan types, we help identify potential issues early, reduce rework, and support cleaner submissions, even before a loan formally enters processing.
This proactive collaboration leads to stronger files, fewer surprises, and faster clear-to-close timelines.
In-House Processors (W-2)
Most in-house processors are paid a base salary of $55,000–$75,000 annually, often with additional incentives and overhead costs such as payroll taxes, benefits, software, and downtime during lower volume periods.
Effective cost typically ranges from $1,200 to $1,400 per closed loan. Which comes from the lender's bottom line, as it isn't charged to the borrower.Independent Third-Party Processors
Independent processors commonly charge a flat, per-file fee.
Typical pricing ranges from $900–$1,199 per closed loan, accompanied by poor qualifty service, inconsitant compliance and little to no None-QM knowledge.
“Proper Loan Processing has brought consistency and structure to our pipeline. Communication is proactive, timelines are reliable, and files are handled with real ownership from start to finish.”
— Mortgage Broker, Texas
“Their process integrates seamlessly with our workflow. Clean files, clear communication, and no last-minute surprises. Exactly what you want in a processing partner.”
— Operations Manager, Independent Brokerage
“What stands out most is the accountability. Every file has a clear owner, and we always know where things stand. It’s made a noticeable difference in how smoothly our loans move.”
— Loan Officer, Wholesale Channel