Executive Summary
A growing Non-QM lender partnered with Stellar Innovations to enhance Pre Fund Underwriting QC capacity, stabilize service levels, and support increasing loan volumes. By combining experienced mortgage operations support with AI-driven automation, the client reduced turnaround times from as high as 72 hours to 48 hours within six weeks (33% reduction), and ultimately to a consistent 24-hour cycle (67% total reduction). These improvements enabled faster pipeline movement, improved broker responsiveness, and a scalable operating model.
Client Overview
A growing Non-QM lender partnered with Stellar Innovations for Pre-Funding underwriting QC to enhance the overall effectiveness of its underwriting team, strengthen quality controls, minimize repurchase risk, and improve service levels and to support rising loan volumes across specialized mortgage products.
Business Challenge
The client required experienced support for Non-QM and DSCR loan reviews and was managing inconsistent review turnaround times ranging from 48 to 72 hours. As submission volumes increased, the client needed a scalable operating model to improve responsiveness without compromising quality or compliance.
Key Performance Impact
33% Reduction in Turn Times (72 48 hours within 6 weeks)
67% Total Reduction in Turn Times (72 24 hours steady-state)
24-Hour SLA Achieved
Weekend Processing Enabled Continuous Pipeline Flow
Business Outcomes
Within six weeks, turnaround times improved to a consistent 48 hours. Weekend processing allowed Friday submissions to be reviewed over the weekend, enabling an updated pipeline by Monday. With continued automation, turnaround times improved further to a consistent 24 hours, significantly enhancing operational efficiency and service delivery.
Conclusion
With deep expertise in AI and machine learning, Stellar enables lenders to augment back-office operations and achieve efficiencies beyond traditional staffing models. The client gained a seamless extension of its core operations, improved service levels, and a scalable, technology-enabled framework for continued growth.
STEVEN GREENFIELD, CMB
SVP – Mortgage Solutions
Stellar Innovations
Steven.Greenfield@stellaripl.com