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Mortgage brokers are under constant pressure to move faster, close cleaner, and grow their pipeline without adding overhead. That’s where contract processing companies come in.
These third-party powerhouses help brokers streamline operations and scale efficiently—without the burden of in-house hires. In this blog, we break down what contract processing companies do, why brokers are switching, and how Willow sets the gold standard.
Contract processing companies specialize in third-party mortgage processing. They take over time-consuming loan tasks—like disclosures, submissions, and condition reviews—so brokers can focus on client relationships and new business.
At Willow, that includes:
Full support from loan registration to clear-to-close
Same-day turn times for disclosures, conditions, funding
Post-close compliance packages with trailing docs
LOS integrations and a modern, fast-moving portal
These services mirror an in-house team—but without the payroll, training, or management overhead.
Here’s why more brokers are partnering with trusted contract processing companies like Willow:
1. Speed That Moves Deals Forward
Willow guarantees same-day turn times for tasks submitted by 3 PM. That includes disclosures, funding requests, and more—keeping borrowers on track and agents happy.
2. No Payroll or HR Hassles
You only pay per file. That means no salaries, no downtime expenses, and no admin overhead. Just consistent, professional support when you need it.
3. Scalable Teams Backed by Experience
Willow provides a full team model—senior and junior processors, U.S.-licensed professionals, and offshore support—to scale as you grow, without sacrificing quality.
A good contract processing company handles everything you’d expect from an in-house processor (and more):Lender registration + portal setup
Compliance-ready disclosures
File submission and milestone tracking
Collecting and reviewing conditions
Closing package coordination
Post-close audits and trailing docs
Weekly Loan Status Updates (LSUs) for full transparency
At Willow, these services are built into a seamless experience—with measurable results.
Yes, if you choose the right one.
Willow operates in 32 states, with fully licensed processors where required. Every file is documented and audit-ready thanks to our automated workflows, task management, and end-to-end LOS sync with Arive and LendingPad.
Not all contract processing companies are built the same. Willow is designed to serve high-performing brokers who want expert support at scale. Here’s how:5-minute file submissions via a user-friendly portal
Same-day turn times on disclosures, conditions, and funding
Real-time LOS integrations (Arive + LendingPad)
Weekly LSUs to keep agents and borrowers aligned
Submission videos that educate borrowers from Day 1
Phone and email availability from your assigned processors
The Results Speak for Themselves
One broker saved 8 hours per week by switching to Willow. Another credits Willow’s LSUs and communication with helping them win more purchase business.
“Their communication is great. Their knowledge is great. Their execution is great.” — Matt Davis, Cabrillo Mortgage
With 100+ 5-star reviews and testimonials, Willow is trusted by brokers across the country.
If you’re managing more than 5 loans per month—or want to eliminate pipeline bottlenecks—a contract processing partner can help you:
Avoid burnout or hiring delays
Increase your monthly closings
Reduce file errors and slowdowns
Offer a standout borrower experience
Here’s what brokers get with Willow: Lightning-fast turn times Tech-powered portal with task automation Compliance and post-close accuracy Dedicated, licensed U.S. processors Flexible team models built for scale
Whether you're just getting started or scaling up fast, Willow has the infrastructure, people, and processes to keep you growing without slowing down. Explore our processing services