LoanAccel is a pre-underwriting support solution that works with the lender’s current system
using automation and process excellence to help originators, processors, and underwriters
drive more productivity and efficiency.
We help lenders achieve:
16-Day clear to close
Close faster with agile workflows and re-engineered parallel process flows.
17.6% higher pull thru
Eliminate rework with automatic follow-ups and loan-level tracking.
67% improved underwriting efficiency
Boost productivity with decision-ready loans submitted to underwriter within 48 hours.
Powered by 20 years of industry experience, LoanAccel is a 'ready to go' framework that easily works with any LOS.
We support:
Data Validation
- Automated loan data check
- Client specific guidelines and checklists
- Upfront identification of deficiencies related to loan information
- Auto triggered alerts to convey missing loan information
- Auto-reminders sent to loan officials for effective follow-up to clear deficiencies
Data Review
- Pre-work on loan documents as per AUS and client requirements
- Reviewing AUS (DU/LP) findings
- Check ratio to be within acceptable parameters (DTI, housing, LTV / CLTV)
- Indexing of trailing documents
Third Party Ordering
- Third party ordering of appraisal, title, flood, hazard insurance, fraud mitigation results, work number and 4506-T preparation for IRS tax transcripts
- Indexing of trailing documents
Income Analysis
- Thorough income calculation for salaried, self-employed borrowers and other types of agency acceptable income sources as per agency guidelines
- Indexing of trailing documents
Asset Review
- Thorough analysis of asset documents to identify large deposits, supporting documentation to analyze source of funds for large deposits are from acceptable sources, verifying gift documentation and receipt of gift funds and analyzing gift of equity with adequate documents.
Collateral Review
- Appraisal and title reports
Credit Review
- Checking borrower details, FICO score and credit report ID, verify monthly obligations and address inquiries/ additional addresses
- Detailed review of credit report for potential red-flag
- Deep dive on undisclosed trade lines
Escrow Verification
- Verifying taxes & insurance associated with subject property with authentic documents, verifying tax amounts as per public record on netronline.com, validating insurance coverage amount and loss payee clause as per client requirements
Validation of Expenses Pertaining to other REOs
- Checking for mortgage statements to verify if the monthly payments are escrowed, if not escrowed then verifying taxes/insurance with additional documents and verifying HOA dues (if any) with HOA certificate
Disclosure Review
- General, state specific and program specific
Ratio Calculation and AUS
- Re-calculating ratio (DTI, housing, LTV / CLTV) calculation as per income /asset/ collateral/ credit analysis
- AUS (DU/LP) resubmission
- Indexing of trailing documents
Risk Mitigation Report Analysis
- Reviewing high fraud alerts in risk mitigation report based on available documents and clearing
- Notifying other alerts to UW for decision
- Indexing of trailing documents
Data & Analytics
- Real-time information tracking
- Root-cause feedback at the granular level with actionable data
- Trend analysis
- Dashboard reporting
Business impact delivered
Clear to close in 16 days, app to uw time less than 1 hour for 1-touch files
- Clear to close in 16 days
- 2.7 days quicker App to UW
- 6.1 days faster clearing of conditions to obtain final approval
- 1.8 days quicker move of loans from final approval to funding
- Reduced re-work
- Underwriter provided final approval within 2-touches
- 77% increase in one touch submission to Underwriting
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Coforge BPS Launches LoanAccel
Press Release -
Coforge BPS Announced Origination Solution
Press Release
Brochure
We had a great month in Mortgage and much of that success is attributed to the significant effort and execution of our Coforge BPS partners!
Head of Mortgage Operations of a Top U.S Bank
I love working with the LoanAccel team.
They are fast and intuitive.
Head of Mortgage Operations of a Leading Independent Mortgage Lender
LoanAccel has transformed by mortgage processors. My LOs, processors and underwriters are now able to process more loans faster.
VP, Mortgage & Consumer Lending of a Top 20 U.S. Bank
In addition to LoanAccel, our other solutions include:
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Mortgage Servicing Support
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Default Management Solutions
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Be future-ready and adapt to market volatility with our suite of Default Management Solutions.
Collections Support Services
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Customer Contact Center
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Data & Analytics
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Enhance data quality & make better business decisions with our Data & Analytics Solutions.
Information Security & Risk Management
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Prevent threats from information leakages and stay compliant with regulatory needs.
Finance & Accounting Services
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Optimize costs and enhance efficiency with our Finance & Accounting Services.
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