What is The Commonwealth Group / What services do you offer?  

The Commonwealth Group provides contract services to mortgage lenders across the USA. We're most known for our Contract Underwriting. However, our Contract Processing, Quality Control, Condo Project Review (CondoAnalytics), Encompass Admin and Cybersecurity services are also best in class. The Commonwealth's flexible approach enhances efficiency and as a result, profitability, for every lender that we have the privilege of working with.

What makes The Commonwealth Group different from other contract service providers that cater to the mortgage industry? 

First, our workforce is 100% onshore. Not every fulfillment service provider can say that. That means: no data transfer to overseas workers and no time zone or language barriers. 

Secondly, we do not obligate our customer base to minimum volume or dollar requirements 

1. For small and medium sized lenders – you don’t have the stress of hitting volume minimums if business fluctuates. 

2. For enterprise-level lending institutions – we know that you have other options out there. The no minimum requirement keeps our turn times fast, our work accurate and our customer service second to none.

3. We dedicate staff to your organization. When you work with the same underwriter or processor in each loan transaction, then you are able to form a working relationship with that person and increase speed and efficiency as a result. 

How can mortgage fulfillment services from The Commonwealth Group improve my business efficiency? Our mortgage fulfillment services allow you to outsource time-consuming tasks to experienced experts. This reduces overhead, minimizes errors, and speeds up loan closings, helping your team focus on growth. Clients often see improved turnaround times and compliance adherence, leading to higher profitability in competitive mortgage markets.

Questions About Specific Services 

What is contract underwriting, and how does it work with The Commonwealth Group? Contract underwriting involves outsourcing the review and approval of mortgage loans to ensure they meet lender guidelines and regulatory standards. At The Commonwealth Group, our certified underwriters handle everything from initial assessment to final decisions, providing scalable solutions for high-volume periods or specialized needs. This service helps mortgage lenders manage risk and accelerate processing without expanding in-house staff. 

How do your condo review services help with mortgage approvals? Our condo review services include full reviews, limited reviews, budget analysis, litigation checks, insurance verification, and FHA single-unit approvals. These ensure condominiums qualify for financing, reducing delays in mortgage approvals. We also offer condo document retrieval for quick access to necessary paperwork, making it easier for lenders to close deals on condo properties. 

What HMDA reporting services do you offer for mortgage compliance? We provide comprehensive HMDA (Home Mortgage Disclosure Act) reporting services to help lenders collect, validate, and submit data accurately. Our experts handle regulatory updates, error resolution, and audits, ensuring compliance with federal requirements. This minimizes penalties and supports fair lending practices for mortgage institutions of all sizes. 

How can your mortgage compliance consulting assist with regulatory changes? Our consulting and compliance services cover portfolio due diligence, operational consulting, Encompass admin support, and regulatory guidance. We help mortgage companies navigate evolving rules from agencies like the CFPB and FHA, offering tailored strategies to avoid violations and optimize processes. This is ideal for lenders facing audits or seeking to strengthen internal controls. 

What cybersecurity solutions do you provide for the mortgage industry? In an era of rising cyber threats, our cybersecurity services include risk assessments, data protection strategies, and compliance with standards like GLBA and SOC 2. We help mortgage firms safeguard sensitive borrower information, prevent breaches, and maintain trust. Our solutions are customizable for small lenders or large operations, focusing on proactive defense.

Getting Started and Practical Advice 

How do I get started with your mortgage fulfillment or consulting services? Simply contact us via our website form, email, or phone to discuss your needs. We'll schedule a free consultation to assess your requirements and provide a customized proposal. Most clients start with a pilot program for services like underwriting or quality control to see immediate results. 

What is the cost of your mortgage services, such as underwriting or condo reviews? Pricing is flexible and based on volume, service type, and customization—ranging from per-loan fees for underwriting to flat rates for consulting projects. We offer competitive, transparent quotes with no hidden costs. Reach out for a personalized estimate tailored to your mortgage business. 

Do you offer expert witness services for mortgage-related legal matters? Yes, our expert witness services provide testimony and analysis for mortgage disputes, foreclosures, or compliance cases. Our team of industry veterans offers credible, evidence-based support to attorneys and lenders, drawing from decades of experience in underwriting, regulations, and quality control.