Providing Innovative Third Party Originator Compliance Solutions

Headquartered in Orange, California, Comergence provides a  supplemental, or comprehensive alternative to a lender’s in-house broker desk function. We are the mortgage industry’s only end-to-end solution for Third Party Originator due diligence, management and ongoing compliance surveillance.

The Power of a Consortium

Our approach to this function has been to create a consortium of lenders to share the cost and knowledge of this redundant process. The consortium enjoys a standardized industry best-practice process comprised of hands-on service protocols with analyst-verified profiles of their third party originators.

Services We Provide

Our services feature a multi-faceted TPO background review, including NMLS/State license status, derogatory reviews, industry sanctions, Social Security Number verification for authorized principals, civil and criminal convictions, OFAC, EPLS and much, much more.

Comergence aggregates all of these data points, while appending our own proprietary data that gives our consortium a much richer view of their third party originator. All data is verified by our skilled industry analysts and made available in a comprehensive TPO profile report with supporting documentation. We also facilitate the collection and retention of all lender required documents.

Benefits

• Previously vetted TPOs can quickly be approved by new lenders as the TPOs profile is kept current.
• All services are conducted securely in the cloud, meeting all privacy concerns
• System is available 24/7
• No more lost paperwork or faxes.
• Eliminates the potential for identity theft.
• Well thought out process that is comprehensive, yet simple and easy to use