Smarter Decisions Start with Smarter Files
For credit unions pursuing growth through whole loan or bulk purchases, mortgages or consumer loans, the opportunity is compelling: improved net interest margins, diversified asset mix, and expanded member solutions. However, growth comes with inherent risk, especially when due diligence isn't executed properly or quickly enough. At StoneHill, A Sourcepoint Company, we empower credit unions to seize these opportunities with confidence, by delivering industry-leading due diligence that moves at market speed.
Why Due Diligence Is Mission-Critical Now
The secondary market has changed. It’s faster, more complex, and encompasses a broader range of products, from conventional to non-QM, seconds, HELOCs, and reverse mortgages. Today’s credit union buyers need comprehensive analysis that goes far beyond surface-level reviews. A credit union buyer must rapidly validate:
- Data accuracy across all loan file documents including 1003s, credit reports, income documentation, title records, collateral valuations, and compliance documents – LE/CD
- Regulatory compliance at Federal, State, Investor, and GSE level
- Guideline adherence across all files reviewed in the trade to ensure the credit union is putting quality loans in line with the organization’s risk strategy on the books
- Documented defects that can impact pricing, loan integrity, and potentially diminish portfolio value
In this environment, due diligence has evolved from an operational necessity to a mission-critical strategic function.
StoneHill: The Partner Behind Smarter Portfolio Growth
We’re not just a review team. We’re a trusted, rating agency-approved partner with deep credit union and mortgage market experience. Our process has been vetted by all five major rating agencies—DBRS, Morningstar, Fitch, Kroll, S&P, and Moody’s.
With over 1.5 million loans reviewed and support for hundreds of trades annually, we help credit unions make confident, compliant, and timely purchasing decisions.
What sets us apart:
- SLA-Driven Speed: Time is money on bulk purchases. We will partner with you to make your timelines work.
- Best-in-Class Tech Stack: LauraMac for securitizations, our proprietary platform for non-securitization reviews, and Mavent/ComplianceEase top-tier compliance engines
- Cross-Product Expertise: Conforming, Non-QM, DSCR, fix & flip, construction, second liens, HELOCs, all Consumer loan types and more
- Full Regulatory Coverage: ATR/QM, agency overlays, state-level requirements, and investor-specific thresholds
- Relationships: Relationships are valued partnerships. Stonehill believes in understanding the needs of the buyer for each trade, assisting the seller with file submissions and follow ups, and delivering quality reporting.
We deliver results that credit union leadership can trust and auditors respect. More Than a Vendor—A Strategic Portfolio Risk Partner Partnering with StoneHill means:
- Enhanced acquisition quality through rigorous file-level analysis, stronger risk controls and audit readiness
- Faster capital deployment with streamlined boarding processes
- Strategic support from a team that understands credit union priorities and constraints
Don’t Let File Defects Derail Your Strategy
The difference between a profitable loan acquisition and a costly repurchase often lies in details buried deep within loan files. We surface those risks before they become losses.
Our comprehensive approach ensures your credit union can pursue growth opportunities while maintaining the risk discipline that defines successful institutions.
Ready to strengthen your mortgage acquisition strategy? Let’s talk about your next move, connect with us to explore the right due diligence strategy for your credit union.
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