Mortgage Origination – Wholesale

Mitigate risks and capitalize on new opportunities to drive growth

Competition in the mortgage wholesale market is intensifying. FinTechs are leveraging innovation and technology to gain market share, putting further pressure on margins. In order to thrive in the new reality, traditional lenders must enhance efficiencies and customer experience, in addition to offering a wide range of products.

Sourcepoint’s holistic range of SAFE-licensed solutions help you drive competitive advantage and growth in today’s volatile environment. We draw upon 25 years of mortgage industry expertise to help you address capacity constraints and tap into new opportunities using a flexible engagement model.  Compliance and quality control is a key component of our solutions. Our professional compliance services span operational risk assessment and regulatory and compliance risk, while our quality assurance (QA) programs include appraisal and compliance reviews, pre-funding and post-closing QA, and adverse action audits.

Our wide-ranging operational capabilities for wholesale origination includes :

  • Loan Set-Up
  • Pre-underwriting QA
  • Underwriting
  • Closing/Funding
  • Post-Close Document Services

Loan Set-Up

  • Review for minimum submission docs
  • Order & follow-up on third party services
  • Update LOS
  • Review checklist for accuracy
  • Submit to underwriting
  • Order Payoff
  • Order HOI

Pre-underwriting QA

  • Rigorous validation and due diligence process of loan application
    • Speeds identification of qualified loans, disseminating funds
    • Reduces costs
    • Improves customer service


  • AUS validation
  • Lender specific overlays
  • Broker communication
  • Condition clearing
  • Final approval/clear-to-close


  • Pre-funding audit
  • Initial closing disclosure
  • Issue closing instructions and final closing disclosure
  • Loan document preparation and review
  • Request corrections from title company
  • Prepare wire or order wire from warehouse bank

Post-Close Document Services

  • Mailroom & Document Management
  • Imaging, Indexing & Stacking
  • Collateral & Closing File Handling
  • Document Recording & MERS Registration
  • Trailing Documents
  • Custodial Audits & Loan Delivery
  • Fee Reconciliation
  • Assignment & Lien Release

Read more about out Post closing services

Why Sourcepoint?

25+ years delivering market-leading solutions

Tap into our expertise - We work with the biggest names in the US mortgage market to deliver superior business outcomes

Global centers enabling 24/7 omnichannel experiences

Create a unified experience across channels and services - ranging from mortgage origination and routine servicing to foreclosure and default servicing

Data-driven approach & cutting-edge technology

Stay ahead with next-gen solutions underpinned by Robotic Process Automation, AI, Machine Learning, Advanced Analytics and more

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