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Mortgage & Lending Technology Solutions

Digitizing the Complete Mortgage Lifecycle with Compliance-Ready Automation. ConglomerateIT delivers an end-to-end mortgage platform built for accuracy, speed, auditability, and regulatory compliance. From application to post-closing, our solutions streamline operations, reduce turn-times, and enhance borrower experience.

Full Mortgage Lifecycle Coverage

Our comprehensive solutions cover every stage of the mortgage lifecycle, ensuring compliance and efficiency at each step.

01

Pre-Approval / Application

Streamline the application journey with intelligent, automated systems.

  • Borrower portals with guided applications
  • Document upload & real-time validation
  • Credit scoring & eligibility assessment
  • Automated LE generation (TRID aligned)
  • HMDA data capture integrity

Compliance Touchpoints

  • ECOA compliance
  • Data integrity checks
  • Anti-discrimination safeguards
Pre-Approval / Application
02

Processing

Eliminate manual processes through intelligent automation.

  • OCR/IDP for income, asset, property & ID documents
  • Verification of employment, income, assets (VOE/VOI/VOA)
  • Fraud checks & red-flag indicators
  • Appraisal independence checks
  • Automated conditions tracking

Compliance Touchpoints

  • ECOA compliance
  • Data integrity checks
  • Anti-discrimination safeguards
Processing
03

Underwriting

Enhance underwriting efficiency with rule-based decisioning and AI-assisted insights.

  • Rule-based underwriting automation
  • GSE guideline alignment (Fannie Mae / Freddie Mac)
  • Risk scoring & exception management
  • Data enrichment for DU/LPA equivalent workflows
  • Property valuation integrations & AVMs

Compliance Touchpoints

  • ATR/QM validation
  • Appraisal review workflows
  • Loan decision transparency
Underwriting
04

Closing

Streamline the closing process with automated document generation and tracking.

  • Closing Disclosure (CD) generation
  • Three-day delivery tracking (TRID compliance)
  • Automated prep for signing package
  • Escrow setup workflows
  • Audit-ready verification of fees & charges
Closing
05

Post-Closing

Ensure compliance and efficiency in post-closing operations.

  • Document deficiency checks
  • Stacking & trailing docs management
  • Shipping & investor delivery packages
  • Compliance QC
  • MERS, lien release, collateral management
Post-Closing

Why Mortgage Lenders Choose ConglomerateIT

We combine deep industry expertise with cutting-edge technology to deliver transformative lending solutions.

End-to-End Lifecycle Automation

Complete automation from pre-approval to post-closing, ensuring consistency and efficiency throughout the entire mortgage process.

Compliance-Aligned Workflows

Built-in compliance checks and safeguards at every stage to ensure regulatory adherence and audit readiness.

High-Volume Scalability

Robust architecture designed to handle high-volume processing without compromising performance or accuracy.

API-Led Integration

Seamless integration with leading LOS/POS systems, credit bureaus, and third-party service providers.

Digitize Your Mortgage Operations with End-to-End Automation

Partner with ConglomerateIT to accelerate your digital transformation journey and stay ahead in the rapidly evolving lending landscape.