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Mortgage 4.0: Execution at the Speed of Now Mortgage 4.0: Execution at the Speed of Now

The industry is entering the Mortgage 4.0 era, a phase defined by automation, intelligence, and speed.

At Sourcepoint, a Firstsource company, we’re leading this transformation with our UNBPO™ mindset, combining AI, analytics, and deep domain expertise to drive mortgage operations at the speed of now. Through connected, outcome-driven workflows, we help lenders and servicers execute faster, operate smarter, and stay ahead in every market cycle.

Building Mortgage 4.0 with UNBPO™

AI-Native Workflows

Accelerating underwriting, QC, and verifications for 40–60% faster processing.

Talent Without Borders

Skilled talent developed through our Mortgage Academy and Centers of Excellence.

Predictive Compliance

Reducing investor pushback and risk through real-time controls and exception handling.

End-to-End API Integration

Enabling full transparency, seamless handoffs, and agile operations through cloud-native platforms.

Service as a Software

Delivering execution like a product that is modular, standardized, and easily configurable.

Beyond Arbitrage

Orchestrating people, technology, and processes into a unified, outcome-focused model.

Why Mortgage 4.0 Matters

Mortgage leaders face growing pressure for faster decision-making, tighter compliance, and a stronger borrower experience. Borrowers expect quick loan processing. Investors demand accuracy and control. Legacy workflows are struggling to meet both. With UNBPO™, we help lenders and servicers operate with precision and scale, delivering measurable business results. Proven outcomes include:

50–70%

faster cycle times

97%

fewer reworks

40%

lower cost per loan

95%

compliance accuracy

Accelerate Every Stage of the Mortgage Lifecycle

Each solution is built to deliver agility, control, and performance in real time.

Origination

Automate verifications, credit decisions, and document processing for higher throughput.

Servicing

Predict borrower needs and enhance retention with proactive, intelligent workflows.

Collections

Recover more with self-driving collections, digital outreach, and AI-guided decisioning.

What You’ll Gain

  • A clear understanding of where process inefficiencies are impacting margins and customer experience.
  • Targeted recommendations that balance capacity, volume, and quality.
  • An actionable plan to implement next-generation mortgage operations.

What You'll Leave With:

  • Clear understanding of where your process is costing you deals
  • Specific recommendations tailored to your business model
  • Action plan for implementing next-generation mortgage operations

Meet Our Mortgage Leadership Team

Vivek Sharma

President, BFS

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John Sarris

SVP – Head of Sales

Sreenath Shekharipuram

SVP – BFS Capability

Srinivas Vijayaraghavan

SVP – FS, AM, and Advisory

Sandeep Sudarshan

VP, BFS Solutions

Manish Jain

VP – Head of AI & Emerging Tech Architect

Rajkumar Ramakrishnan

VP - Operations

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Matthew Slonaker

VP – Client Strategy

Abhinay Prasad

VP- Strategic Accounts

Jeanette Fitzgerald

AVP – Strategic Accounts

Anthony Golden

AVP – Business Development

Matthew Lichtner

AVP – Business Development