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Solutions | Compliance

Keeping ahead of compliance

Manage and mitigate mortgage and regulatory risk by tapping into an extensive repository of data, documentation, expertise, and training resources.

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mortgage compliance solutions
mortgage compliance

Be confidently compliant

Whether you are grappling with pandemic-related regulatory change, operational risk, or policy change, we have the resources, technology and training to help you manage risk and prevent costly errors.

Deep mortgage compliance knowledge

Whether you are seeking a policy manual to support VA training or require a loan level compliance review, our mortgage industry experts live and breathe:

  • Federal, state, and local law impacting real estate finance and housing
  • Fannie Mae, Freddie Mac, FHA, VA, and RHS guidelines
  • Statutes such as CFPB, TILA-RESPA, FDCPA, ECOA, FCRA, SCRA

Solutions for every compliance need

We help you keep compliance front and center, delivering a range of solutions that support your business needs:

  • Global delivery model that delivers compliance reviews
  • Automated audits using our AuditGenius solution
  • Training documentation and policy manuals through our online mortgage store

Reduce risk across the loan lifecycle

Our solutions offer you services, automation, education and training solutions to help you manage loan manufacturing risk, improve loan quality, and create a foundation for sustainable and compliant business practices.

  • Modernize risk management

    Leverage Indecomm's automation solutions to keep your business operating efficiently while ensuring compliance

  • Capture risk earlier

    Quickly and accurately capture loan-level defects with our comprehensive compliance review services and automation

  • Reduce business risk

    Reduce headline risk, profit loss, human error and operational inefficiencies by relying on compliance experts, documentation and training

  • Proactively communicate change

    Whether you need updated manuals or a centralized way to manage and communicate compliance change, we help keep your staff in the know on the latest compliance changes

Meeting end-to-end compliance requirements

We provide comprehensive compliance solutions to address challenges at the loan-level as well as the enterprise.

  • Automates large portions of the HMDA data process through AuditGenius
  • Automates loan estimate (LE) and closing disclosure (CD) reviews through AuditGenius
  • Delivers AuditGenius as a SaaS solution that leverages proprietary data indexing and extraction to validate and compare LAR against given documents
  • Maps critical documents and over 100 data fields and integrates seamlessly with major loan origination systems (LOS)
  • Perform automated compliance on your own using AuditGenius or pair it with our expert services for a complete turnkey data and document compliance solution

Tech enablers

  • AuditGenius®

    Simplify mortgage portfolio risk management, streamline QC, and lower origination costs with intelligent audit technology

  • Performs a comprehensive review of the loan documents to ensure all applicable documents have been delivered, are complete, accurate, properly executed, and meet all required federal guidelines
  • Reviews final Closing Disclosure (automation-enabled option)
  • Reviews evidence provided for hazard insurance and flood insurance
  • Assesses original note and security instrument for accuracy
  • Reviews rate to ensure matches rate in LOS
  • Analyzes credit report invoice and appraisal invoice vs amount charged on the final CD
  • Tests high cost and high price to ensure the loan is compliant with investor and federal regulatory requirements
  • Identifies deficiencies found during the review process and enters the exceptions in AuditGenius
  • Reviews trailing documents/suspense items
  • Evaluates state-specific compliance and regulatory audit requirements

Tech-enablers

  • AuditGenius®

    Simplify mortgage portfolio risk management, streamline QC, and lower origination costs with intelligent audit technology

  • Post-closing, early payment default, and denied/withdrawn audits
  • Random, discretionary, and targeted reviews
  • Random sampling or statistical sampling options include selection stratification across loan type, channel, branch, occupancy, etc.
  • Review of income, assets, data, documentation, and appraisal to determine if the loan meets underwriting/eligibility guidelines.
  • All required re-verification, including applicable field reviews, are ordered along with necessary follow-ups
  • Review of partner rebuttals and missing docs to cure findings
  • A comprehensive suite of ad hoc reporting to track quality, trends, and defect rating

Tech-enablers

  • AuditGenius®

    Simplify mortgage portfolio risk management, streamline QC, and lower origination costs with intelligent audit technology

  • Purchase updated guides and manuals from our online mortgage store for use in training and process alignment
  • Ensures your policy manuals, guides, and procedures are up-to-date and meet regulatory compliance and FHA requirements
  • Produces a variety of mortgage policy manuals, training curricula, and guidelines
  • Provides comprehensive, self-paced, and interactive e-learning on topics such as TRID, FHA fundamentals, VA fundamentals, and more
  • Provides your organization with guidance and support for internal audits, due diligence, or content reviews
  • Our team of technical writers and compliance consultants create content for procedures, guides, libraries, training, and checklists helping you stay up-to-speed with key changes
  • Using our publishing portal, mortgage business can centralize the management of your most important policy documents, manuals, and training so your team always have a resources

Tech enablers

  • Publishing Portal

    A centralized hub for all your mortgage documents, Publishing Portal provides simplified access to guidelines, training, policies, and procedures

See what Indecomm can do for your business.

Schedule a conversation with an expert to discuss tailoring a solution for your business or for a demo of one of our Genius suite of products.

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