MY LOAN FLOW
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Give every file a clear processing owner.

Third-party mortgage processing built for wholesale brokers.

Per-file support for Conventional, FHA, VA, and Non-QM workflows—from setup through closing coordination. Your brokerage retains the borrower relationship and licensed decision authority.

Request a consultationExplore processing services
  • No borrower file required
  • Scope confirmed before onboarding
  • Built for mortgage professionals
ACTIVE FILE FLOW CLEAR NEXT STEPS
1

Onboarding complete

Scope, systems, states, and responsibilities aligned.

2

File received

A clean handoff starts the processing lane.

3

Conditions moving

Open items have owners and visible next steps.

4

Closing coordinated

The team stays informed through the finish.

One accountable workflowFrom needs review to closing coordination
File setupSubmission coordinationConditions managementClosing coordination

Six licensed service areas

Where can My Loan Flow support mortgage brokers?

Choose a highlighted state to see the local processing lane, workflow focus, and detailed service-area guide.

Choose a state to view its processing focus.

ColoradoLicensed service area · 1 of 6

How does My Loan Flow support brokers in Colorado?

CHFA first mortgage + DPA control plan

Colorado contract mortgage processing for brokers, including a source-grounded CHFA first-mortgage and down-payment-assistance workflow.

Explore Colorado processing
FloridaLicensed service area · 2 of 6

How does My Loan Flow support brokers in Florida?

Florida Housing reservation + compliance plan

Florida contract mortgage processing for brokers, including Florida Housing first-mortgage and down-payment-assistance coordination.

Explore Florida processing
MichiganLicensed service area · 3 of 6

How does My Loan Flow support brokers in Michigan?

MSHDA reservation + two-package control

Michigan contract mortgage processing for brokers, including MSHDA MI Home Loan and down-payment-assistance file coordination.

Explore Michigan processing
TexasLicensed service area · 4 of 6

How does My Loan Flow support brokers in Texas?

Texas 50(a)(6) constitutional gate review

Texas contract mortgage processing for brokers, including an operational checklist for Texas Constitution Section 50(a)(6) home-equity cash-out loans.

Explore Texas processing
UtahLicensed service area · 5 of 6

How does My Loan Flow support brokers in Utah?

Utah Housing DPA document-control plan

Utah contract mortgage processing for brokers, including Utah Housing DPA document preparation, delivery, and closing compliance.

Explore Utah processing
MissouriLicensed service area · 6 of 6

How does My Loan Flow support brokers in Missouri?

MHDC Lender Online + compliance package plan

Missouri contract mortgage processing for brokers, including MHDC First Place and Next Step compliance-file coordination.

Explore Missouri processing
United States mortgage processing service-area mapColorado, Florida, Michigan, Missouri, Texas, and Utah are highlighted as licensed service areas.
CO

LICENSED SERVICE AREA

1 / 6

Colorado

CHFA first mortgage + DPA control plan

Colorado contract mortgage processing for brokers, including a source-grounded CHFA first-mortgage and down-payment-assistance workflow.

Explore Colorado processing

Coverage is confirmed at engagement and file level based on the requested activities, personnel, licensing or registration, lender, product, and applicable requirements.

From setup to closing

A seamless processing workflow.

Select a stage to see how My Loan Flow organizes the file while your brokerage retains licensed advice, approvals, and transaction authority.

Select a stage to explore the workflow

My Loan Flow at this stage

Build the file on a cleaner foundation.

My Loan Flow organizes the approved file package, surfaces missing documentation, and completes an administrative pre-underwrite review before submission. Underwriting and credit decisions remain with the lender.

Review file setup services

Stage 1 of 4: File setup and pre-underwrite. My Loan Flow organizes the approved file package, surfaces missing documentation, and completes an administrative pre-underwrite review before submission. Underwriting and credit decisions remain with the lender.

Illustrative workflow only. Exact responsibilities depend on the engagement, state, lender, product, system, and applicable requirements.

Mortgage condition list calculator

What documents should I collect for this loan profile?

Choose a common mortgage profile to preview a practical intake starting list. Use it to sharpen the handoff—not replace the current lender or underwriter checklist.

Loan profile library

Choose a starting point
8 profiles
Select a loan profile

Select a profile to preview an intake starting list. No borrower information is entered or stored here.

Needs list command center

W2 wage earner
14 starting items

Selected loan profile

Starting needs list for W2 Wage Earner (Full Doc)

14 items
  • W2s for current and previous years
  • 3 most recent pay stubs
  • 2 most recent monthly bank statements
  • Full written verification of employment (With email chain from employer verifying sender address)
  • Appraisal
  • Title insurance
  • Sales contract (for purchase only)
  • Driver's license
  • Credit report
  • Home insurance policy or quote
  • Explanation letter for hard credit inquiries
  • Explanation letter for addresses
  • Possible miscellaneous explanation letters (i.e. Derogatory credit, YTD earnings on WVOE, etc)
  • REO docs if necessary (Mortgage statement, HOA statement, property tax bill, evidence of insurance).
Need the lender-specific version?

Confirm the product, state, lender, and approved workflow before collecting a live file.

Request a consultation

Operational starting list only—not an underwriting decision, approval, or commitment to lend. Current lender, investor, loan-program, transaction, property, state, and live-file requirements control. The responsible lender or underwriter determines the final document and condition list.

Built for your operating model

The right support looks different at every stage.

1

Independent brokers

Build a repeatable processing lane without turning every change in volume into a staffing decision.

Explore this fit2

Producing loan officers

Protect time for borrowers, partners, and new business with a clearer file handoff.

Explore this fit3

Growing mortgage teams

Add capacity and structure while keeping responsibility, communication, and escalation visible.

Explore this fit

Compare operating models

Compare the cost structure that fits your pipeline.

A fixed employee role and contracted per-file support create different cost patterns. The useful comparison is the full operating model—not a single headline number.

Fixed-capacity model

In-house fixed-cost categories

  1. Compensation

    Salary, hourly pay, or another ongoing compensation structure.

  2. Employer payroll costs

    Employer taxes and other payroll-related obligations.

  3. Benefits

    Any health, retirement, paid-time-off, or related benefit commitments.

  4. Software and access

    Seats, credentials, equipment, and approved system access.

  5. Recruiting and training

    The time and expense required to hire, onboard, and develop capacity.

  6. Capacity between closings

    The staffing commitment continues when assigned-file volume changes.

Assigned-file model

Per-file processing support

  1. Contracted service fee

    Pricing and payment triggers are documented before work begins.

  2. Defined scope

    Included tasks, retained responsibilities, and escalation points are explicit.

  3. Volume assumptions

    Availability and capacity depend on the agreed file volume and timing.

  4. Internal oversight

    The brokerage retains supervision, licensed decisions, and vendor management.

  5. Withdrawn or incomplete files

    Any charges or exceptions are addressed in the approved engagement terms.

What may change

Variable capacity without another payroll seat. Per-file support can align processing expense with assigned files and an approved scope.
Review pricing and fee workflow

Your processing lane

A clear route from first handoff to closing coordination.

Move through a defined service lane, then establish the operating rhythm behind it. Final scope depends on the engagement, state, lender, loan, system, and applicable requirements.

See the complete workflow
Service lane Working rhythm

Service lane

Processing work with boundaries, owners, and next steps.

  1. Organized intake

    File review and setup

    Create an organized start, surface gaps, and establish the working checklist.

  2. Defined handoff

    Submission coordination

    Support the approved lender-submission workflow and keep responsibilities clear.

  3. Visible next steps

    Conditions management

    Turn open items into a visible action plan without confusing decision authority.

  4. Milestone clarity

    Closing coordination

    Keep approved closing milestones, dependencies, and communication visible.

  5. Flexible capacity

    Overflow capacity

    Add a documented processing lane for volume spikes, leave, or growth periods.

How it works

Start with fit. Then build the flow.

  1. Working step 1

    Processing consultation

    Map the team, volume, products, states, systems, timing, and current bottleneck.

  2. Working step 2

    Scope and onboarding

    Document responsibility, access, communication, security, pricing, and escalation.

  3. Working step 3

    First-file alignment

    Establish a clean handoff and verify the working workflow before scaling it.

  4. Working step 4

    Visible execution

    Keep milestone ownership and next actions legible through the approved scope.

Trust by design

Specific before impressive.

The best processing partner is not the one making the loudest claim. It is the one that can show where the work begins, where it ends, and how your team stays informed.

Explicit scope

Understand what My Loan Flow does, what the brokerage retains, and where lender or state requirements control.

Review services →
Vendor diligence

Ask direct questions about access, transfer, retention, incident handling, systems, and downstream providers.

Visit the security center →
Verified fit

Confirm state, product, lender, LOS, volume, and timing before borrower information changes hands.

Understand service areas →

A strong potential fit

You need capacity and still want visibility.

  • Your team can use a repeatable file handoff
  • You want open items and escalation points to stay legible
  • You are ready to confirm scope, systems, states, and file eligibility

Operating standards

Disciplined handoffs protect your team and the file.

  • Structured intake: scope, access, and required documents are confirmed before work begins
  • Decision transparency: lenders make underwriting, approval, and clear-to-close decisions
  • Approved data channels: sensitive borrower information follows the secure workflow established during onboarding

Direct answers

What should a broker know before outsourcing mortgage processing?

What does a third-party mortgage processor do for a broker?+

A third-party processor performs the operational tasks defined in an approved engagement, which may include file review and setup, lender-submission coordination, conditions follow-up, milestone tracking, and closing coordination. The brokerage keeps its supervisory, licensed, compliance, and relationship responsibilities.

When should an independent mortgage broker consider contract processing?+

Contract processing can be useful when file volume changes, originators are spending too much time coordinating routine file movement, internal coverage is limited, or a growing team needs a repeatable processing lane without immediately adding fixed staffing capacity.

Can a broker disclose a contract processing fee in Section B of the Loan Estimate?+

Not automatically. Fee treatment depends on the service-provider relationship, lender and program requirements, state rules, shopping rights, compensation structure, and transaction facts. The responsible creditor or broker determines who may pay the fee and where it belongs on the Loan Estimate and Closing Disclosure. My Loan Flow does not represent every processing fee as a Section B charge or as free to the borrower.

Which systems and lender portals can My Loan Flow work in?+

Subject to brokerage and lender authorization, approved workflows can include ARIVE LOS, Encompass TPO Connect, UWM EASE, Rocket Pro, Pennymac POWER+, and other lender-specific portals. This describes client-authorized workflow proficiency, not an API integration, lender affiliation, certification, or endorsement.

How does My Loan Flow decide whether a file or workflow is supported?+

Fit is confirmed before onboarding by reviewing the brokerage, requested tasks, states, lenders, products, systems, volume, timing, communication model, security requirements, and file-eligibility rules. Unsupported work should be identified before borrower information changes hands.

Useful before you buy

Tools for better processing decisions.

Ungated resources for brokers who want to evaluate capacity, cost, workflow, and vendor fit.

Decision guide

Contract vs. in-house processing

Compare the complete operating model—not just salary and per-file price.

Open resource Vendor evaluation

How to choose a contract processor

Review scope, people, coverage, systems, security, communication, and pricing.

Open resource Due diligence

Third-party processor checklist

Verify the company, people, authority, controls, commercial model, and operating evidence.

Open resource Interactive checklist

Mortgage processor file-readiness checklist

Mark operational handoff preparation, print the result, and copy a secure-system handoff template.

Open resource Interactive tool

Processing capacity calculator

Estimate where monthly and peak volume may be creating a capacity gap.

Open resource Interactive tool

CTC readiness estimator

Build a product-, lender-, and state-specific readiness view before anyone estimates clear to close.

Open resource Calculator suite

Seven broker scenario tools

Compare payments, refinance break-even, state DPA, broker costs, income, appraisal gaps, and LOS economics.

Open resource Technical library

Condition resolution scenarios

Search six illustrative resolution patterns with the evidence needed to verify each next step.

Open resource

Plan your processing lane

Let’s talk about your processing needs.

Tell us how your team works today. We’ll confirm scope, systems, coverage, and the right next step during a processing consultation.

  • No borrower file needed
  • Scope comes first
  • Leave with a clear next step
Request a consultation