Which parts of the loan process can you take on?

Any of the stages above: application intake and setup, processing and verifications, pre-underwriting and conditions, closing and pre-funding, post-closing and investor delivery, and title and collateral coordination, through to the loan-boarding handoff. Most teams start with a controlled pilot in one workstream.

Will your team work inside our LOS and follow our SOPs?

Yes. We work only in systems you permit, with access you approve, and on platforms our team is trained on, including Encompass, LendingPad, Calyx and Byte. Before the pilot starts, we review your SOPs, QC checklists, privacy requirements and escalation paths.

Who supervises the work and makes the decisions?

Your team. Scalance works under your supervision and approvals. Authorized lending, underwriting, credit and other regulated decisions stay with your staff. Our work is operational: collecting and reviewing documents, flagging discrepancies, tracking conditions and preparing files.

How does discrepancy and fraud flagging work?

As we review a file, we note inconsistencies across documents, such as mismatched income, employment or identity details, and send them to your team with the source documents. We don’t make determinations; your staff decide what happens next.

How does the pilot work?

We agree a controlled scope of 10–20 files or one workstream, set targets for turnaround, accuracy, exceptions and rework, and work real files under your supervision. You review the results before anything expands.

How do you handle borrower data?

Work happens inside your approved systems, under access and security controls we agree with you before launch. This form doesn’t ask for borrower information, so please don’t include any.

Do you support self-employed, Non-QM and private lending files?

Yes. We organize self-employed income documents and build document, verification, conditions and collateral workflows around your program guidelines. Specialty-product scope is confirmed during discovery.

Pricing depends on the workstreams, volume and coverage you need. After the workflow call, we send a proposal for the pilot scope.

What hours do you cover?

Coverage hours are set in your agreement. We offer up to 24/5 operational coverage, so files can keep moving outside your office hours.

Mortgage origination & processing support for US lenders and brokers

Scale loan production without adding fixed headcount.

Scalance Global supports your files from application intake to investor delivery: document review, verifications, conditions and closing coordination, inside your LOS and under your team’s supervision.

No borrower data needed
Reply within one business day

Controlled pilot first: 10–20 files or one workstream, measured on turnaround, accuracy, exceptions and rework
Your team supervises and approves. Lending, underwriting and credit decisions stay with you.
Works in Encompass, LendingPad, Calyx and Byte, with access you approve
Backed by Scalance’s established title and collateral team

Prefer to talk it through? Call (877) 224-5067

Files rarely stall on decisions. They stall on follow-up.

Documents nobody collected, orders nobody chased, conditions nobody owned. That’s the work Scalance takes on.

Where files stall: Processors spend their day chasing application documents and keying data.
What Scalance does: We handle application intake, document collection, data entry and indexing in your LOS.
Where files stall: VOEs, appraisals and title orders sit waiting for follow-up.
What Scalance does: We place third-party orders, chase each one until it lands and log its status in the file.
Where files stall: Underwriting suspends files for missing income and asset documents, especially for self-employed borrowers.
What Scalance does: We review income, asset and credit documentation against your checklist, organize self-employed files and prepare the pre-underwriting package.
Where files stall: Discrepancies across documents surface late, inside underwriting.
What Scalance does: We flag discrepancies and potential fraud indicators for your team’s review before submission.
Where files stall: Files sit in suspense and nobody is sure who owns each condition.
What Scalance does: We manage suspense items and conditions, with a status and an owner on every open item.
Where files stall: Title, lien and tax issues show up days before closing.
What Scalance does: Our established title and collateral team checks ownership, liens and property taxes early in the file.
Where files stall: Investor purchase suspense and trailing documents pile up after closing.
What Scalance does: We prepare investor delivery packages, clear purchase suspense items, track trailing documents and hand off to loan boarding.

Choose the stages you want off your team’s desk.

Every stage runs inside your LOS, against your checklists and under your supervision. Add the ones you want in your pilot and we’ll scope them with you on the first call.

1
Application intake & setup
Start every file complete.
- Application intake & document collection
- Loan registration in your LOS
- Application data entry & validation
- Borrower document indexing
- Minimum-document & eligibility checks
- File handoff to processing
2
Processing & verifications
Keep every order moving.
- VOE, VOD, VOM & VOR coordination
- Appraisal, title & flood orders
- Tax certificate & insurance follow-up
- FHA/VA case number order support
- Disclosure preparation & tracking support
- Loan officer admin assistance
3
Pre-underwriting & conditions
Submit files that hold up.
- Income, asset & credit documentation review
- Self-employed borrower file support
- Discrepancy & fraud flagging
- Purchase contract & collateral document review
- Pre-underwriting package preparation
- Suspense & conditions management
4
Closing & pre-funding
Get to closing day clean.
- Closing document preparation support
- Closing Disclosure review assistance
- Payoff & settlement document review
- Title & settlement coordination
- Prior-to-funding conditions tracking
- Compliance checklist QC
5
Post-closing & investor delivery
Deliver clean files to investors.
- Executed package completeness review
- Post-close QC & exception logs
- Trailing document & recording follow-up
- Investor delivery package preparation
- Purchase suspense support
- Loan-boarding handoff to servicing

Established Scalance strengthRuns alongside stages 2 to 4

Title & collateral

Scalance’s title and collateral team works alongside processing, pre-underwriting and closing, so ownership, lien and tax issues surface early.

Title search & report coordination
Ownership & lien verification support
Property tax research support
Commitment & policy documentation
Collateral exception tracking
Settlement team follow-up

Every handoff arrives organized.

Your underwriter sees what’s verified, what’s ordered, what’s still open and who owns the next step, right in the file.

Document index and intake checklist in your LOS
Order tracker for appraisal, title, flood and verifications
Suspense and conditions log with an owner on every item
Discrepancy and red-flag notes for your team’s review
Compliance checklist QC at every agreed handoff

Get my pilot plan

File status

Purchase, conventional

Illustrative, no borrower data

Documents indexed in LOSDone
Income & asset reviewDone
Verifications (VOE, VOD)Received
Appraisal & titleReceived
Hazard insuranceRequested
Suspense conditions
7 of 9 cleared
Discrepancy & compliance QCQueued

In progress

From first call to a measured pilot.

We agree how the work is supervised and measured before a single file moves.

Map your workflow
Walk us through your loan types, monthly volume, LOS and the places files stall.
Agree scope, controls and QC
Together we set checklists, system access, approvals, escalation rules and who on your team supervises the work.
Run a controlled pilot
We work 10–20 files or one workstream under your supervision, measured on turnaround, accuracy, exceptions and rework.
Review, then expand
You see the pilot results before anything expands. Add workstreams when your team is ready.

Hire another processor, or add Scalance?

Both keep your LOS, your SOPs and your decisions. The difference is fixed headcount versus capacity scoped to your pipeline.

Hiring another processor compared with adding Scalance
	Hire another processor	Add Scalance
Getting started	Recruit, interview, onboard and train	Map your workflow, then run a controlled pilot
As volume grows	Hire and train again	Add workstreams to the agreed scope
Coverage hours	Usually your office hours	Hours set in your agreement, up to 24/5
Quality control	Depends on your internal QC process	Checklist QC at agreed handoffs, reported in the pilot
Systems and SOPs	Your LOS, your SOPs	Your LOS and SOPs, with access you approve
Supervision and decisions	Your team	Your team supervises and approves; decisions stay with you

Getting started: HireRecruit, interview, onboard and train; ScalanceMap your workflow, then run a controlled pilot
As volume grows: HireHire and train again; ScalanceAdd workstreams to the agreed scope
Coverage hours: HireUsually your office hours; ScalanceHours set in your agreement, up to 24/5
Quality control: HireDepends on your internal QC process; ScalanceChecklist QC at agreed handoffs, reported in the pilot
Systems and SOPs: HireYour LOS, your SOPs; ScalanceYour LOS and SOPs, with access you approve
Supervision and decisions: HireYour team; ScalanceYour team supervises and approves; decisions stay with you

General comparison. Actual scope, coverage hours, QC steps and pricing are set in your agreement.

Get my pilot plan

Start with 10–20 files. Expand when the results prove it.

FAQ’s

Scale loan production without adding fixed headcount.

Files rarely stall on decisions. They stall on follow-up.

Choose the stages you want off your team’s desk.

Application intake & setup

Processing & verifications

Pre-underwriting & conditions

Closing & pre-funding

Post-closing & investor delivery

Title & collateral

Every handoff arrives organized.

From first call to a measured pilot.

Map your workflow

Agree scope, controls and QC

Run a controlled pilot

Review, then expand