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Financial services
Mortgage and loan solutions
If you’re like most modern lenders, you want to enhance customer experience while reducing your company’s existing cost structure.
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Transform your mortgage post-closing process
We provide the digital and operational solutions needed for an ever-evolving lending workplace
How can I pandemic-proof physical files?
Since the start of the global COVID-19 pandemic, lender business continuity plans remain in flux. Some sites are still (temporarily) shut down, limiting access to physical loan files for remote workers. For onsite employees, implementing proper social distancing measures to reduce health risks also can be difficult with limited office space.
We process physical loan files with ease, providing digital images through our digital mailroom for remote employees working from anywhere to access. Our storage capabilities hold and handle files until “business as usual” loan processing returns.
How can I handle custodial services overload?
With huge overhead costs, resource allocation at a premium, e-notes creating variable physical decline, and unpredictable market conditions, it can be a substantial strain on your business to support the operations of a document custody program.
With our document custody solution, we remove that function from your direct business model. Our value as an outsourcing partner for many top US custodians has been viewed as highly successful by both agency and non-agency organisations. In fact, 5 million compliant initial collateral certifications were issued in 2021 alone, and we manage paid in full releases for more than 6.1 million loans annually. When we provide operational services on behalf of your document custodians, you can focus your resources where it counts while continuing to grow your business.
How do I navigate post-closing chaos?
Mortgage originators face the fluctuation of ever-changing conditions, which are accelerated by everything from expanding borrower expectations and shifting interest rates to new product requirements and regulatory obligations. We know it’s a challenge to manage each oncoming wave while trying to run the business at hand.
Iron Mountain has time-tested, post-closing managed service capabilities to digitise, process, and deliver loan files to the next destination. We’re all about helping you gain process efficiencies, real-time reporting capabilities, and scalability—all while reducing fixed costs and regulatory risk exposure.
- 3x23 of the 29 government-sponsored enterprise (GSE)-sanctioned custodians work with Iron Mountain
- 50–60%Workload reduction achieved in commercial loan applications by digitally extracting data from thousands of document types and formats
- 25%Reduced default rate for technology-based mortgage lenders
- 2,700Thousands of insurance carriers utilize our suite of solutions and services
