Proficient Loan Processing
Services

Loan processing that carries the file, not just paperwork

Whether you're a loan officer, a broker, or a borrower looking for the right MLO, here's how we work.

For Loan Officers & Brokers

Your processing team, end to end

Proficient Loan Processing acts as your processing team — submitting clean, pre-underwritten files, tracking conditions, and keeping the borrower and loan officer informed through closing. With 26 years of experience, we've processed purchase, refinance, FHA, VA, conventional, and non-QM loans, including complex files like 1031 exchanges, trusts, HELOCs, multiple borrowers, and rehab loans.

New client? Connect a loan via Arive →

Working Together

Roles & Responsibilities

Clear expectations from day one — here's what we handle for you.

What We Handle

  • Review and issue disclosures per lender requirements
  • Review the file and request any information needed from borrowers to submit a complete file to underwriting
  • Coordinate with all third-party vendors throughout the loan — escrow, title, credit agency, appraiser, etc.
  • Request conditions directly from the borrower upon approval
  • Order loan documents based on locked terms and confirm doc fees
  • Request the Closing Disclosure and notify the borrower of the need to sign
  • Facilitate funding requirements and send documents electronically for signature
  • Stack the closed loan file and submit it per your stacking order (or supply one if none is given)
  • Submit invoices to escrow at closing
  • Keep you updated at every stage: disclosures issued, needs list sent, loan submitted, conditions submitted, etc.
  • Standard turn-times of 24–48 hours for new originations and 24 hours for new approvals and condition review — rush reviews available on request
For Borrowers

Looking for a home loan?

We don't originate loans directly — but we'll connect you with a trusted, licensed mortgage loan officer or broker from our network who's the right fit for your goals and your state.

Tell Us What You Need

Ready to work together?

Reach out and let's talk about your next file.

Contact Us