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Outsourcing loan processing does not outsource compliance liability. Under the GLBA Safeguards Rule, lenders and brokers remain responsible for overseeing any third party that touches borrower data, and under the SAFE Act, whether a processor needs an individual NMLS license depends on whether they're a supervised employee or an independent...
Read MoreAI document intelligence uses machine learning to extract, validate, and cross-check borrower data from income, asset, and employment documents, cutting manual review time and file costs. As of August 2026, new Fannie Mae and Freddie Mac rules require lenders to govern and disclose any AI their vendors use, making a processor's AI practices a...
Read MoreYes, in nearly every state, an independent contract mortgage processor must hold a state mortgage license, even though a W-2 processor working in-house under a licensed company usually doesn't. You can verify any processor's license status for free on NMLS Consumer Access. Willow Processing currently holds active licensing in 35
Read MoreMost delays in the mortgage timeline process aren't dramatic. They're small, avoidable hiccups that stack up until a closing date slips. The National Association of Realtors' December 2025 Realtors Confidence Index found that 14% of contracts had a delayed settlement in the prior three months, while only 5% fell apart entirely. That means the...
Read MoreIf you're asking how long it takes to get a home loan, the honest answer is: it depends, but not as much as you might think. According to ICE Mortgage Technology's most recent Mortgage Monitor report, the average purchase loan closed in 36.8 days as of March 2026, the fastest average closing time since ICE began tracking the data. Across all...
Read MoreIn the competitive world of mortgage, contract loan processing has emerged as a strategic solution for many brokers in the mortgage industry, offering a range of benefits that streamline operations and enhance service delivery. At Willow Processing, we specialize in providing these services, and in this article, we will explore how we transform...
Read MoreIn the fast-paced world of mortgage lending, the effectiveness of your loan processing operations can significantly impact your business's success. At Willow Processing, we specialize in providing comprehensive third-party mortgage loan processing services that are crucial for lenders aiming to enhance competitiveness and operational efficiency....
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