Mortgage Processing

24/7 Loan Processing with Mortgage Process Outsourcing (MPO)

An impossible goal to some, a reality you can achieve with the right MPO partner

Emapta services the top lending companies in North America with full-time, dedicated, experienced, and technically skilled resources who can perform your mortgage services efficiently using the latest technology.

The Mortgage lending sector is facing a new set of challenges—increased compliance from regulatory bodies, the cost of origination, high customer expectations, undesirable closing ratios, and keeping up with the ever-increasing competition to maintain your edge.


Improve productivity, mitigate risks, and save up to 70% on labour costs with Emapta’s Mortgage Process Offshoring (MPO) 

Mortgage lenders agree that loan applications, production, underwriting,  post-closing and auditing all require a highly skilled team. Furthermore, compliance and managing the regulatory dynamic are labour-intensive tasks that involve considerable training and a specialised skill set.


Pro Tip: See how much you can save with Mortgage Process Outsourcing – try our Pricing Calculator for a free estimate


Whether you are a fast-growing servicer looking to scale or an industry veteran looking to optimize your business, Emapta’s offshore mortgage staffing solutions enable you to deliver with speed and quality. Offshoring works effectively for the Mortgage sector because many hard-to-fill roles within the world’s largest financial institutions have long been performed by offshore teams in the Philippines.

There’s also a huge talent pool available to provide the expertise you’re looking for, so we can find specialized Mortgage talent for you faster.  Emapta’s offshore teams are drawn from a well-educated talent pool and are structured to give you full control of your offshore operations, allowing your company’s culture and processes to be at the forefront, not the other way around.


Learn More: Maximum Protection, Minimal Risk: Why Our Business Model is the Right Fit for You!


By leveraging talent in the Philippines, we have transformed mortgage businesses with these top benefits: 

Faster-than-industry-average turnaround time

Flexibility in capacity and resource planning

Improved compliance processes

Efficient underwriting

Increased profitability

Higher retention rate


Why choose Emapta as your Mortgage Process Outsourcing Partner:

We exceed industry standards in attracting top talent with above market average closing rates

We have more than 4,000 finance professionals in our expanding talent network

We have grown to over 2,600 employees with 14 premium offices located across central business hubs in the Philippines

We have employed more than 600 finance and accounting professionals to over 330 clients.

Our clients save 72% on labor costs and gain higher ROI through continuous operations with a dedicated team


Sample outsourced mortgage processing roles:


Authorize and underwrite loans

Verify loan applications and conditions

Make loan eligibility decisions

Ensure compliance with regulatory standards


Compliance Analyst

Review appraisal and credit reports

Evaluate escrow instructions and purchase contracts

Identify potential failure modes

Calibrate audit results


QC Auditor

Review and analyze purchase contracts

Calculate contingencies

Review purchase price, closing costs, and transfer taxes

Verify buyer/seller/broker information



Upload appraisal documents

Review and approve settlement statements

Arrange requirements for appraisal review

Create a closing package and audit file