Do you work in my loan origination system?

Yes. Invite us as a processor in Arive, LendingPad, Encompass, Byte, Calyx Point or Floify and we work directly in your instance. If you would rather not add a seat, upload the file to our secure portal and we mirror everything back to you.

Who talks to my borrower?

Your processor does, with your permission and always under your brand. We handle document chasing, appraisal scheduling and condition follow-up. Rate, program and pricing conversations stay entirely with you — we never originate or advise on loan terms.

When do I pay, and can the borrower pay?

Fees are invoiced at funding, never up front, and nothing is owed on a file that does not close. Where state and lender guidelines permit, the processing fee can be disclosed and collected on the settlement statement.

How fast do you turn a new file around?

Intake is confirmed the same business day, your processor is introduced within two hours during coverage hours, and initial disclosures go out within four business hours of a complete submission.

What loan types do you handle?

Conventional, FHA, VA, USDA, jumbo, non-QM, bank statement and DSCR files, plus HELOCs and second liens. Manual underwrites and self-employed income are routed to senior processors who specialize in them.

Are you licensed, and how is my data protected?

ABC Processing operates as a third-party contract processor under NMLS #00000 and is registered where state law requires. Files move over encrypted transfer, access is role-based and logged, and we complete annual SOC 2-aligned security and NMLS compliance training.

What happens if my processor is out?

Every file has a named backup on the same regional pod who is briefed weekly. Coverage runs 7am to 7pm Eastern, Monday through Friday, with on-call support for closings scheduled on weekends.

Third-party loan processing · NMLS #00000

Processing done right,
file after file.

ABC Processing gives brokers and loan officers the freedom to sell. Every file is assigned a dedicated processor who owns it from submission to funding — disclosures out in hours, conditions worked daily, milestone updates you never have to chase.

See How It Works Meet Your Processors

Files accepted today · Same-day intake confirmation

96
Dedicated processors
One named owner per file — never a shared inbox.
11.4
Avg. days to clear-to-close
Trailing 90 days across all lenders.
450+
Five-star LO reviews
Verified broker and loan officer partners.
38
States actively covered
Plus Washington, DC.

Dedicated processors on staff: 96
Dedicated processors on staff
Never a shared inbox
States actively covered: 38
States actively covered
Plus DC
Average days to clear-to-close: 11.4
Average days to clear-to-close
Trailing 90 days
Five-star loan officer reviews: 450+
Five-star loan officer reviews
Verified partners

How it works

Four steps from submission to funded.

A predictable process with named ownership at every stage — so you always know what happens next and who is doing it.

01
Send us the file
Day 0 · 5 minutes
Upload the 1003, credit and income docs through our portal, or simply invite us into Arive, LendingPad or Encompass. No new software for your team to learn.
- Secure upload or LOS invite
- Same-day intake confirmation
02
Meet your processor
Within 2 hours
A named processor — with a direct line, email and calendar — is assigned to the file. You talk to the same person from submission through funding.
- Direct phone and email
- Intro call with the borrower on request
03
We work the conditions
Daily until CTC
Disclosures out, appraisal ordered, title and payoffs chased, VOEs completed, underwriting conditions cleared and re-submitted the same day they land.
- Daily borrower follow-up
- Milestone updates pushed to you
04
Clear to close and fund
Avg. 11.4 days
We coordinate the CD, signing and funding conditions with the lender and title, then hand you a clean, audit-ready post-close file.
- CD and signing coordination
- Post-close compliance check

The differentiator

Meet your processor — by name, not by ticket number.

Most contract shops route your file to whoever is free. We assign one processor and one backup, publish their direct line, and keep them on your files for as long as you send them.

Files per processor: 18 max
Avg. tenure: 10 yrs
Response time: < 2 hrs
Coverage hours: 7a–7p ET

Renee Marchetti
Senior Processor · Team Vega
Experience
14 yrs
Focus
FHA · VA · Manual underwrites
States
CA, AZ, NV, TX
“I call the borrower the day the file lands. Half of the conditions never become conditions if you ask early.”
Direct line Email5.0
Devon Okonkwo
Processor · Team Vega
Experience
9 yrs
Focus
Conventional · Self-employed income
States
FL, GA, NC, SC
“Two years of returns, a P&L and a clean income worksheet up front — that is how a self-employed file closes in eleven days.”
Direct line Email5.0
Sarah Kwon
Senior Processor · Team Atlas
Experience
11 yrs
Focus
Jumbo · Non-QM · Bank statement
States
NY, NJ, CT, MA
“Non-QM lives and dies on documentation order. I build the stack the way each investor reads it.”
Direct line Email5.0
Javier Torres
Processor · Team Atlas
Experience
7 yrs
Focus
USDA · First-time buyers
States
CO, UT, NM, ID
“First-time buyers need a human. I explain every disclosure so nothing stalls at signing.”
Direct line Email5.0

What we handle

Everything between submission and funding.

You originate, structure and sell. We own the paperwork, the follow-up and the deadlines.

Disclosure preparation
Initial disclosures reviewed and issued within four business hours of a complete submission, with change-of-circumstance tracking and re-disclosure handled for you.
Appraisal and title management
We order through your AMC, schedule access with the borrower, chase revisions and reconciliations, and keep title, payoff and HOA docs moving in parallel.
Condition clearing
Every underwriting condition is logged, assigned and worked the day it arrives. Nothing sits overnight without a documented next action.
Live video and scenario support
Screen-share with your processor on a tough file, or run a scenario past our senior desk before you lock. Same-day answers on structure and guidelines.
Compliance and post-close
TRID timing, ECOA and state-specific requirements checked at each milestone, plus an audit-ready post-close package delivered with the file.
Pipeline visibility
A live pipeline view with milestone timestamps and open conditions, plus a Monday morning summary email so you never have to ask for a status.

We work inside the systems you already use.

Invite us as a processor and we log in to your LOS — no data re-entry, no exports, no new subscription on your invoice.

Arive
LendingPad
Encompass
Byte
Calyx Point
Floify
MeridianLink
DocuSign

Reviews

450+ loan officers rate us five stars.

Partners stay an average of four years. Here is what they say when we ask why.

“I moved eleven files over in a month and did not lose a single closing date. My processor knows my lenders better than I do at this point.”
Marcus Hale
Broker Owner · Hale Lending Group, Phoenix AZ
11 files · 0 missed closings
“The difference is having a name and a phone number. When an underwriter pushes back at 4pm, someone actually picks up and fixes it.”
Priya Raman
Senior Loan Officer · Northshore Mortgage, Boston MA
Avg. 10.8 days to CTC
“I write twice the volume I did last year with the same assistant, because I stopped chasing conditions and went back to selling.”
Tyler Brooks
Loan Officer · Summit Home Loans, Denver CO
2.1× volume year over year

Nationwide coverage

Licensed processing support in 38 states and DC.

Our processors are grouped into regional pods, so the person on your file already knows the local title practices, disclosure quirks and county timelines.

States active: 38 + DC
Regional pods: 4

Phoenix, AZTeam Vega — West
Dallas, TXTeam Atlas — Central
Charlotte, NCTeam Ridge — Southeast
Hartford, CTTeam Harbor — Northeast

State coverage map

ActiveOnboarding

Do not see your state? We onboard new states in about three weeks — tell us where you lend.

FAQ

Questions loan officers ask us first.

Still unsure? Book a 15-minute call and we will walk one of your live files together.

Processing done right, file after file.

Four steps from submission to funded.

Send us the file

Meet your processor

We work the conditions

Clear to close and fund

Meet your processor — by name, not by ticket number.

Renee Marchetti

Devon Okonkwo

Sarah Kwon

Javier Torres