Consumer mortgage solution

Consumer Mortgage Process Outsourcing

We provide mortgage process outsourcing services that help enhance banking efficiency, build competitive advantage and improve customer experience for global banks.

Bespoke Consumer Mortgage Process Outsourcing Services

With over 18 years of experience in delivering research and analytics services, Acuity Knowledge Partners (Acuity) has strong credentials within the consumer and commercial banking space. Our consumer mortgage process outsourcing services help banks optimise their consumer mortgage value chain (origination, processing, underwriting, closing and post-closing), by centralizing, standardizing and digitalizing mortgage processes.

We partner with our clients to drive revenue, implement global best practices and transform their operating models. Our consumer mortgage service offerings can help banks improve speed to market, increase customer-facing time, manage higher volumes and utilize flexible staffing for one-time projects or spikes in work volumes.

Who we serve

  • Home equity loans
  • Home equity lines of credit (HELOCs)
  • Home purchase loans
  • Home construction loans
  • Mortgage refinancing

Mortgage Process Outsourcing - Support we Offer

Mortgage Origination and processing

  • Generating and reviewing loan estimates

  • Loan set-up

  • Contract review (transfer tax, address, purchase price)

  • Updating broker, title, third-party and lender fees according to guidelines

  • Validating bank statements

  • Validating credit reports

Mortgage Underwriting Support

  • Verifying borrower information

  • Reviewing payslips, financial statements and tax returns

  • Credit report analysis

  • Income/cash flow analysis

  • Credit approval routing

  • Collateral assessment

  • Calculating DTI and LTV

Closing, post-closing and servicing

  • Disbursement analysis

  • Escrow check

  • Title recording and closure

  • Regulatory compliance

  • Loan servicing

  • Settlement analysis

  • Closure and lien release

What we have delivered annually

50,000+

loan applications processed

300,000+

documents managed

125,000+

loan conditions validated

30,000+

loans fulfilled and onboarded

Automation and workflow management platforms

AI-based credit report writing tool

Advanced AI-based tool designed to revolutionise the credit report writing process

AI-based credit report writing tool

How we are different

ONE-STOP SHOP FOR MORTGAGE PROCESS OUTSOURCING
ONE-STOP SHOP FOR MORTGAGE PROCESS OUTSOURCING
Comprehensive support across the consumer mortgage outsourcing value chain across origination, processing, underwriting, closing and post-closing
FINANCIAL SERVICES DOMAIN EXPERIENCE
FINANCIAL SERVICES DOMAIN EXPERIENCE
18 years of research and analysis experience from working with 350 financial clients globally as a best-in-class KPO firm
CREDIT PEDIGREE
CREDIT PEDIGREE
Market leader in credit analysis support, with best practices developed through 80+ client engagements. Experience across loan books and complex lending products
SCALABLE PARTNER
SCALABLE PARTNER
Strong track record in scaling client engagements on different tasks across the lending value chain. Ability to utilise strategic delivery locations and strong recruitment functions for flexible and niche resourcing
INNOVATION
INNOVATION
Our domain-driven suite of Business Excellence and Automation Tools (BEAT) ensures efficiency across the credit analysis value chain

Tailored data and technology solutions for Banks

Explore the art of possible across processes and functions in the lending value chain. We help you integrate legacy systems and new-age platforms to build a single source of truth.

What we have done

Support for Consulting and Corporate Firms
Retail lending support to a large US-based commercial bank
What we are proud of

35%

Able to underwrite c.35% more deals

30%

Reduction in turnaround time for new deals

In the News

Fintech
The mortgage industry is undergoing a major transformation driven by new-age technology solutions
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Mortgage Solutions
How 100 per cent mortgages may function in the post-financial crisis world
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Reuters
“U.S. loan funds see fifth consecutive weekly inflow: Lipper”
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