For US Lenders, Brokers & Servicers
Mortgage Loan Processing Outsourcing You Control
Add trained India-based processors who work your files, your SOPs and your LOS. Start in 4-8 weeks with no entity setup, or build a captive team you own.
- 40-60% lower loaded cost than domestic processing capacity
- 24/7 follow-the-sun staffing to cut file cycle time
- Your SOPs, your LOS, your work direction - not a BPO black box
ISO 27001:2022 certified. 15+ years mortgage experience with 100+ lenders served.
Prefer to talk? Call +1 469-579-1968
Talk to a mortgage operations advisor
Tell us your volume and the roles you need. We will map a staffing plan and pricing for your files.
Why lenders outsource processing to OwnGCC
Cut cost per loan
Offshore processing from India delivers 40-60% loaded-cost reduction versus domestic capacity.
Move files overnight
24/7 follow-the-sun staffing is available, so files keep moving after your US team logs off.
Your team, your rules
You own work direction, priorities and outcomes. Your SOPs run the desk, not a vendor playbook.
Security you can audit
ISO 27001:2022 certified with SOC governance across people, devices and systems access.
Start without an entity
Virtual Staffing starts in 4-8 weeks from existing India infrastructure. No legal entity needed.
Mortgage depth, not generic BPO
15+ years of mortgage experience, having consulted with and delivered services to 100+ lenders.
What our offshore processing teams handle
OwnGCC runs production-grade mortgage operations from India for lenders, wholesale and correspondent lenders, brokers, non-bank originators and servicers. Teams work inside your systems - Encompass, LendingPad, MeridianLink, Black Knight, MSP and ICE Mortgage - under your SOPs.
You pick the model. Virtual Staffing gives you subscription per-FTE capacity in 4-8 weeks. Managed Teams gives you dedicated pods of 10-100+ FTEs. Build-Operate-Transfer and Full GCC let you take ownership of the team and entity later.
- Application intake, stacking and 1003 review
- Income, asset and employment verification (VOE, VOI, VOA)
- Credit pulls and analysis, AUS submissions (DU / LP)
- Appraisal review, title coordination and conditions clearing
- Underwriting support and pre-underwrite file prep
- CD preparation support and closing coordination
- Post-closing audits, pre-funding, post-closing and investor QC
- HMDA, TRID and RESPA compliance documentation support
How we get your files moving
Share your volume and gaps
Send your monthly volume, roles you need and the LOS your team uses. We review it with a mortgage operations advisor.
Get a staffing and pricing plan
We map roles, shift coverage and the right engagement model - Virtual Staffing, Managed Teams, BOT or Full GCC - with engagement-based pricing.
Onboard to your SOPs
We hire, train and equip the team in India, set up secure system access, then run to your SOPs with SLAs and MIS reporting.
Frequently asked questions
How is pricing set for outsourced loan processing?
Pricing is engagement-based. Virtual Staffing is a subscription per FTE or seat, Managed Teams is fully loaded per FTE, and BOT uses a phased setup fee plus per-FTE operating fee and a transfer milestone. Tell us your volume and roles and we will quote your setup.
How fast can processors start on my files?
Virtual Staffing starts in 4-8 weeks from our existing India infrastructure, with no legal entity setup required. Larger Managed Teams and captive builds follow a phased plan we scope with you.
Is there a minimum team size?
Virtual Staffing works on a per-FTE subscription, so you can start small and add seats. Managed Teams are dedicated pods of 10 to 100+ FTEs. We will recommend the right fit for your pipeline.
Will the team use my LOS and follow my process?
Yes. Teams work in your systems, including Encompass, LendingPad, MeridianLink, Black Knight, MSP and ICE Mortgage, and follow your SOPs. You own work direction, priorities and outcomes.
How do you protect borrower data?
OwnGCC is ISO 27001:2022 certified with SOC governance. Delivery centers in Bangalore, Hyderabad, Pune and Chennai include managed network, security stack, endpoint, identity and device controls.
Can we move from outsourcing to our own captive later?
Yes. Our Progressive GCC path lets you start with Virtual Staffing or Managed Teams and convert to Build-Operate-Transfer or a full client-owned GCC, where the entity, team and infrastructure transfer to you.
Get a processing plan built for your pipeline
Tell us your loan volume, the roles you need and your LOS. We will come back with a staffing plan, coverage model and engagement-based pricing.
- 40-60% lower loaded cost than domestic processing capacity
- 24/7 follow-the-sun staffing to cut file cycle time
- Your SOPs, your LOS, your work direction - not a BPO black box
Prefer to talk? Call +1 469-579-1968