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Digital transformation is revolutionizing the mortgage industry, fundamentally altering how lenders and borrowers interact.
We help clients streamline their entire mortgage journey, from origination to servicing, enabling better expense management, reduction in capital expenditure, and higher operational effectiveness. By leveraging design thinking, analytics capabilities, and our portfolio of digital solutions, we drive innovation and empower you to stay at pace with the ever-changing regulatory and licensing landscape.
Our mortgage industry focus includes:
Customer Experience. Enhance the borrowing experience, build trust and loyalty, and make the entire process more efficient, transparent, and personalized.
Process Optimization. Balance speed and stability while maximizing business benefits through the intelligent automation of core processes and legacy systems.
Holistic Digital Transformation. Reshaping how loans are processed, approved, and serviced, leading to a more efficient, transparent, and customer-centric mortgage lifecycle.
DIGITAL OUTCOMES DELIVERED
Reduction in time-to-close
Increase in underwriting throughput
Straight-through processing
Reduction in servicing cost per loan
Digitization of quality control and audit functions
Uplift in borrower satisfaction
Who We Serve
Origination
Servicing
Capital Markets
Our Solutions
Our mortgage solutions suite spans AI-powered origination, best-in-class underwriting, and comprehensive servicing to deliver a fully digital, end-to-end mortgage lifecycle.
Underwriting Center of Excellence
Centralized underwriting support with digital toolkits, process playbooks, and continuous upskilling. The Center of Excellence enables higher throughput, greater accuracy, and a reduced cost-to-close.
Digital Mortgage Lending
Our Digital Mortgage Lending solution offers intelligent transformation across the mortgage lifecycle, spanning origination, underwriting, servicing, and default management. It enhances the borrower experience, improves speed-to-close, and reduces operational costs.
Due Diligence / Third-Party Review (TPR)
We deliver comprehensive support for due diligence, collateral valuation, and investor reporting, ensuring compliance and reducing loan repurchase risks.
Customer Contact-as-a-Service (CCaaS)
Our CCaaS offering provides mortgage-specialized, omni-channel borrower support that blends people, processes, and platforms to deliver a superior customer and servicer experience.
Target Operating Model for Mortgage
Define and design future-ready mortgage operating models for origination, servicing, and default management with integrated AI and automation.
Mortgage Compliance & Risk Advisory
Receive expert advisory support to ensure compliance with evolving regulations, including HMDA, FHA, and CFPB, while balancing cost efficiency and customer satisfaction.
Process Reimagination with Design Thinking
Through Sutherland Labs, co-create borrower journeys and servicing experiences that reduce friction, increase transparency, and drive lasting borrower satisfaction.
Legacy Modernization
Migrate legacy POS, LOS, and servicing systems to next-generation platforms using generative AI, APIs, and zero-disruption change management.
Agentic AI-Powered Origination
Leverage AI ‘agents’ to orchestrate POS and LOS integrations, automate credit decisioning, and perform real-time compliance checks to accelerate time-to-close, enhance scalability, and improve overall accuracy.
QC & Audits Automation
Automate pre-purchase reviews, HMDA LAR reporting, and compliance validation with up to 80% straight-through processing.
Sutherland Connect®Omnichannel CX platform that enables seamless engagement for policyholders, borrowers, and customers across every channel and touchpoint.
Sutherland CX360®
AI-driven interaction analytics platform that optimizes customer journeys across service, lending, and compliance functions.
Conversational AI
Intelligent chat and voice automation solution that delivers natural, self-service interactions for collections and borrower support.
Cognitive Knowledge Engine (CKE)
AI-powered knowledge platform that accelerates issue resolution and augments agent performance with real-time insights.
Extract
Document digitization solution that uses NLP, ML, and OCR technologies to capture and process directly from loan documents, KYC, claims, and policies.
Robility®
Hyperautomation framework that manages workflows and business rules end-to-end, ensuring compliance and efficiency in regulated processes.
Sutherland Translate AI®
Embedded multilingual translation solution that ensures global consistency and compliance in customer communications.
SmartLeap® HelpTree
AI-driven IT service management and remote diagnostic platform that improves speed and user experience.
Sutherland Anywhere®
Secure, cloud-based platform that orchestrates remote workforces for scalable and compliant service delivery.
Agent Assist
AI-augmented support tool that provides real-time knowledge recommendations and compliance prompts.
Data Enrichment AI
AI solution that enriches KYC, AML, underwriting, and risk profiles by using internal and external data sources for deeper insights.
Submission Scoring AI
Predictive AI engine that evaluates and scores underwriting submissions or loan applications with greater accuracy and efficiency.
Collect AI
Proprietary collections analytics platform that uses machine learning to predict delinquencies and next-best-action models.
Growth Analytics
D2C and partner analytics model that delivers actionable insights to increase customer lifetime value.
Sutherland CATS
Proprietary catastrophe risk modelling platform for insurance and credit portfolios, enabling stress testing and portfolio resilience planning.
IDScan
Real-time document verification and KYC automation tool that improves compliance and reduces onboarding time.
Sutherland Sentinel AI®
AI-led contact center quality monitoring platform that ensures continuous performance improvement.
ProdigyEnd-to-end finance digitization platform that streamlines finance and accounting processes to accelerate transformation and insight generation.
CloudTestr
AI-powered quality engineering platform that automates testing across banking, financial services, mortgage, and insurance applications.
Engage
Integrated analytics and desktop solution that enhances productivity for agents and load officers through real-time insights and AI assistance.
Level Up
Proprietary performance optimization platform for quality monitoring, coaching, and continuous workforce improvement.
Why Sutherland
Trusted by Leading Rating Agencies
Sutherland is a TPR-approved provider by Fitch, Morningstar DBRS, and S&P Global Ratings, recognized for our rigorous due diligence standards, transparency, and operational excellence.
Outcome-Driven by Design
More than 60% of our mortgage engagements are structured as outcome-based partnerships, built on risk-reward models that tie our success to yours—delivering measurable impact and shared accountability.
Partner to Industry Leaders
With 85+ BPaaS clients across ten industries, Sutherland is a trusted transformation partner to leading mortgage firms, delivering scalable, end-to-end solutions that accelerate growth and elevate performance.
Testimonials
Our Partners
Enhancing the mortgage lending experience for both lenders and borrowers.