Solving the Title Bottleneck: How Mortgage Connect’s POS Title Solution is Reengineering the Mortgage Experience

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By Chante Coury

SVP of Originations

 

Rethinking title and closing with instant decisioning, borrower engagement, and lender-first workflows.

As featured in HousingWire, September 3, 2025

The mortgage industry is at a crossroads. As digital transformation accelerates across financial services, borrowers expect faster, more transparent experiences—yet title and closing remain stubbornly manual, fragmented, and slow. For lenders, this disconnect is more than inconvenient; it’s costly. Lengthy cycle times, delayed closings, and inconsistent data flow erode profitability and borrower trust.

Mortgage Connect is tackling this head-on with its Point-of-Sale (POS) Title solution, a platform designed not just to digitize title—but to reengineer it. By delivering instant title decisioning and actionable data at the point of sale, Mortgage Connect empowers lenders to streamline operations, reduce risk, and unlock new revenue opportunities.

 

Industry context: Why title Is the last frontier of mortgage innovation

Despite advances in loan origination systems and borrower portals, title remains one of the least digitized components of the mortgage process. According to industry reports, title-related delays contribute to nearly 30% of extended closing timelines, often due to fragmented data sources, manual verification, and reactive issue resolution.

In a competitive lending environment where speed-to-close directly impacts margins, this inefficiency is no longer sustainable. Lenders need solutions that not only automate title workflows but also integrate seamlessly with borrower engagement and underwriting systems.

 

A title engine that delivers instant clarity

Mortgage Connect’s POS Title platform is built around a proprietary title engine capable of 100% decisioning within seconds. This is achieved through a dynamic cascade model that intelligently routes title orders through a customizable sequence of products and services — ensuring the fastest and safest path to close.

 

Speed and certainty are no longer optional — they’re competitive differentiators. “Our digital platforms allow for significant reduction of clear-to-close turn times and an increase in loan pull-through rates,” said Chanté Coury, SVP of Originations at Mortgage Connect. “In fact, 80% of our files are clear to close the same day. That means lenders can move faster, borrowers get to the closing table sooner, and everyone wins.”  This capability transforms the lender’s workflow from reactive to proactive—enabling early triage, faster underwriting, and fewer surprises downstream.

 

Early data access drives better decisions and faster closings

Rather than simply processing title reports, modern solutions are evolving to support smarter lending strategies – and that evolution starts with data. When lenders have access to title data upfront, they can identify issues early, route files intelligently, and close loans with greater confidence and less risk.

Mortgage Connect’s POS Title solution strives to provide an advantage to the lender.  “We’re not just delivering title reports — we’re delivering strategic insights,” Coury explained. By delivering critical title data at the point of sale, lenders can make informed decisions earlier, reduce underwriting friction, and shorten the loan cycle.

 

Customization at scale: Built for every lender’s workflow

One-size-fits-all doesn’t work in modern mortgage lending. Traditional title processes lack the ability to customize based on lender-specific requirements. Unlike these traditional solutions, Mortgage Connect’s platform is underwriter agnostic and deeply integrated with online data aggregators. This allows for tailored workflows that align with each lender’s operational goals and borrower experience strategy.

Flexibility is especially critical for lenders managing diverse portfolios or operating across multiple geographies. “Our ability to customize products at the point of sale is what sets us apart,” Coury emphasized. Whether the priority is speed, risk mitigation, or borrower satisfaction, having the ability to tailor title and closing processes to fit specific strategies is a key differentiator.

 

Borrower engagement from day one

While meeting lender requirements is essential, engaging the borrower early in the title and closing process is equally important. Early borrower engagement provides clarity and confidence, helping borrowers understand their role from the start.

Through an automated title review questionnaire integrated with borrower communications, Mortgage Connect’s platform enables document uploads and early issue resolution, reducing back-and-forth and enhancing transparency. “We’ve built tools that bring the borrower into the process early,” Coury noted. “When borrowers can upload documents and resolve issues upfront, it eliminates delays and creates a smoother, more transparent experience.” Combined with a centralized verification team handling payoffs, taxes, and L&V, the solution ensures that every stakeholder is aligned and informed — accelerating closings and improving satisfaction across the board.

 

What sets Mortgage Connect apart

Mortgage Connect’s POS Title solution is more than a product — it’s a strategic advantage. Key differentiators include:

  • 100% title decisioning within seconds
  • Customizable title engine and product suite
  • Integrated borrower communications
  • Deep integration with underwriters and data sources
  • Centralized verification and clear-to-close at POS
  • Scalable performance across large portfolios

These capabilities are not just features — they’re the foundation of a future-ready mortgage experience.

 

Leading the future of mortgage services

“Our clients trust us because we deliver results,” Coury concluded. “We’re not just keeping up with the industry—we’re pushing it forward.” As the mortgage industry continues to evolve, Mortgage Connect remains at the forefront of digital transformation. With a relentless focus on operational excellence, borrower experience, and intelligent automation, the company is setting a new benchmark for what title services can — and should — deliver. Innovation isn’t about keeping up — it’s about leading.

Empowering the Non-QM Market: The Strategic Role of Mortgage Due Diligence Firms

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By Kim Hoffman, CMB, AMP

President, Mortgage Connect Risk Solutions

 

Executive Summary

As the non-qualified mortgage (non-QM) market continues to expand, originators and investors face increasing complexity in managing risk, ensuring compliance, and maintaining investor confidence. Mortgage due diligence firms play a pivotal role in this ecosystem by providing independent, comprehensive reviews that safeguard the integrity of loan portfolios. This white paper outlines the specific ways in which due diligence firms add value to non-QM stakeholders and highlights best practices for leveraging these partnerships.

 

Introduction: The Rise of Non-QM Lending

According to the Scotsman Guide, one out of 20 mortgages are non-QM – expect that to grow. Additionally, non-QM loans accounted for approximately 5% of total mortgage originations in 2024 and anticipate nearly 30% of mortgage-backed securitizations production volumes will be non-QM in 2025.

Non-QM loans serve borrowers who fall outside traditional underwriting criteria—self-employed individuals, real estate investors, and those with complex income streams. While these loans offer flexibility and market inclusiveness, they also introduce heightened risk and regulatory scrutiny. In this environment, third-party due diligence is not just a safeguard—it’s a strategic necessity.

 

How Due Diligence Firms Support Non-QM Originators and Investors

Loan-Level Regulatory Compliance Reviews

Due diligence firms conduct detailed audits to ensure each loan complies with federal, state, and local regulations, for example:

  • Ability-to-Repay (ATR) Rule
  • TILA/RESPA Integrated Disclosure (TRID)
  • Home Mortgage Disclosure Act (HMDA)

These reviews help originators avoid costly repurchase demands and legal exposure. 

 

Credit and Collateral Risk Assessment

Firms evaluate borrower creditworthiness and collateral value through:

  • Income and asset verification
  • Appraisal and valuation review
  • Debt-to-income (DTI) and loan-to-value (LTV) analysis

This ensures loans meet investor guidelines and reduces salability risk.

 

Data Integrity and Tape Validation

Due diligence providers compare and contrast loan data, documentation for accuracy and consistency, For example:

  • Cross-checking loan tapes with source documents
  • Identifying and resolving discrepancies
  • Ensuring data readiness for securitization

Accurate data is critical for investor confidence and rating agency approval.

 

Guideline Adherence and Exception Management

Non-QM loans often involve nuanced underwriting. Due diligence firms:

  • Confirm adherence to investor or originator guidelines
  • Flag and document exceptions with rationale
  • Provide narrative summaries to support investor decision-making

This transparency supports better pricing and risk assessment.

 

Technology-Driven Efficiency

Leading firms leverage automation and AI to:

  • Accelerate document and data processing
  • Improve accuracy in compliance testing
  • Enable real-time exception reporting

This reduces turnaround times without compromising quality.

 

Support for Securitization and Rating Agency Compliance

Due diligence reports are essential for rated RMBS transactions. Firms:

  • Provide third-party review (TPR) reports accepted by all major rating agencies
  • Certify compliance with SEC rules (e.g., Rule 15Ga-2 and Rule 17g-10)
  • Enhance transparency and investor trust in securitized pools

 

Distressed and Re-Performing Loan Reviews

For investors acquiring non-performing or re-performing loans, due diligence firms offer:

  • Payment history analysis
  • Servicing comment reviews
  • Title and lien validation

This enables informed acquisition strategies and portfolio management.

 

Best Practices for Non-QM Stakeholders

In order to maximize the value of due diligence partnerships, originators and investors should adhere to the following success standards:

  • Originators should consider engaging with a due diligence firm early in the loan lifecycle, have them perform your post-close quality control and issue you a reliance letter (this ensures a smooth investor transaction)
  • Customize review scopes to match risk tolerance and investor requirements
  • Use findings to refine underwriting and origination practices preventing future transactions delays

Remember, your due diligence provider is your partner in reducing execution risk, they are there to protect you from financial risk, ensure they have the right leadership, and tenured employees with experience in all products.

 

Conclusion

In a market defined by complexity and opportunity, mortgage due diligence firms are indispensable allies. Their expertise, technology, and independence empower non-QM originators and investors to navigate risk, ensure compliance, and build resilient portfolios. As the non-QM sector continues to explode, so too will the strategic importance of prudent, proactive due diligence.

 

Mortgage Connect Risk Solutions, formerly known as Adfitech, has provided these services for over 40 years. We have reviewed millions of loans, hundreds of thousands of pages of loan documents and are led by industry experts with decades of experience that spans origination, capital markets, credit, compliance, technology, and selling loans to the secondary market. We’d love to work with you, let’s connect @mcrisksolutions@mortgageconnectlp.com.

 

 

Mortgage Connect Partners with Westcor on Fannie Mae Title Acceptance Pilot

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PITTSBURGH, PA; July 14, 2025 — Mortgage Connect, L.P., one of the nation’s largest independent mortgage service providers, partnered with Westcor Land Title Insurance Company and X1 Analytics to develop a product for Fannie Mae’s Title Acceptance program. The pilot is part of an ongoing effort by FHFA and Fannie Mae to modernize the mortgage closing process and reduce costs for consumers and taxpayers.

This product brings X1’s superior title engine capabilities coupled with Mortgage Connect’s automated title curative and scalable closing process to lower the cost for consumers while delivering security to the mortgage industry. The unique offering includes a title insurance product that retains the core benefits and legal assurances that the mortgage industry has come to rely upon from the title insurance industry while balancing the need for borrowers to have access to low-cost refinance transactions.

Mortgage Connect has always been committed to providing first-class service to its lenders and their consumers and is proud to be part of a solution that can deliver real value to the industry. 

 “We have had a long-term relationship with Westcor, and I’m pleased to have partnered with them on this innovative product.  I want to thank Fannie Mae for their collaboration over the past two years on this pilot program.  We’re very proud of the work we have done to help modernize the title industry with this forward-thinking program,” said Jeff Coury, CEO of Mortgage Connect.  “This product offering balances consumer cost savings with the protections our lenders and the mortgage market have come to expect from the title industry and I’m very happy to be part of this evolution.”  

 Mortgage Connect is one of the nation’s largest independent national mortgage service providers that supports lenders, servicers and institutional investors by providing solutions for the entire mortgage lifecycle.  Mortgage Connect serves 18 of the top 20 lenders and servicers in the United States. 

Founded in 2008, Mortgage Connect focuses on innovation, operational execution and the consumer experience. Mortgage Connect offers a robust portfolio of products and digital solutions for all lines of business within originations, servicing, and risk solutions, all of which can be tailored to meet the unique needs of each client. Our goal is to deliver an unparalleled consumer experience while reducing compliance risk and ensuring operational excellence at any capacity.

 

Media Contact:
Justine Irish – National Marketing Director, Mortgage Connect
jrish@mortgageconnectlp.com