SonarOps · Mortgage fulfillment for banks and credit unions

Mortgage fulfillment that turns your operation into a profit center.

SonarOps runs mortgage processing, underwriting, closing and post-closing for you. Unlike outsourced mortgage processing, most of the work is done by AI, with a US-based team on the parts that need judgment, all under your brand.

US-based team, nothing offshore

Works under your brand

Every type of mortgage

Billions of dollars in loans originated

SOC 2 Type II

Most lenders barely make money on a mortgage.

A large part of the cost is back-office staff: processors, underwriters and closers you have to hire when rates fall and carry when they rise.

$11,898

average cost to produce a loan

$727

average profit kept per loan

Source: MBA Quarterly Mortgage Bankers Performance Report, Q1 2026.

Our goal is to make your mortgage business a profit center.

And to take most of the headache of running a mortgage back office off your hands.

Make mortgage profitable.

Most of the cost of a loan is people and rework. With AI doing the bulk of the file work, your cost per loan comes down.

Move loans faster.

Files are read, underwritten and conditioned as they arrive, not when someone gets to them.

Give borrowers a better experience.

Fewer document requests and faster answers, all under your brand.

Stop staffing for the rate cycle.

When applications pile up, SonarOps absorbs the volume. When the market slows, you are not carrying a back office built for the peak. No more hiring and laying off with every cycle.

See what this would look like for your institution.

Talk to us

What moves and what stays.

What we take on

Processing, underwriting, closing and post-closing.

Start with one of them or hand us all of it. If you need more than that, ask.

What stays with you

Your loan officers, borrowers, brand and credit policy.

You provide the guidelines and underwriting criteria, sign off on the loan, and fund it.

We start by connecting Sonar to your loan origination system, and we scope onboarding and volume with you up front. Pricing is mostly on outcomes. Every type of mortgage is in scope.

Conventional FHA VA USDA Jumbo Non-QM Portfolio HELOCs and seconds

Not outsourcing. AI, with a US-based team.

Most mortgage outsourcing moves the work to cheaper people, often offshore. We moved most of it to AI, and kept experienced mortgage professionals, always based in the United States, on the parts that need judgment.

Sonar sits in the background and our team works as an extension of yours. We use everything we build on real loans every day, so we find the problems before you do and fix them fast.

Questions lenders ask

Can we start with part of the operation?

Yes. We can take on one function or all of them.

Who approves the loan?

You do. We underwrite to your guidelines and criteria, and your institution signs off and funds.

Will our borrowers know Sonar is involved?

No. Sonar sits in the background, and everything the borrower sees carries your brand.

What happens to our current mortgage team?

SonarOps is happy to consider hiring members of your team during onboarding. We understand that continuity matters, and that you already have strong people on your team.

What if we want to keep the work in-house but make our team faster?

That is Sonar Apex. See Sonar Apex

Let's look at your mortgage operation together.

Tell us your volume and product mix and we'll show you how SonarOps would run it.

01

A 30-minute call with our team.

02

Sonar working a real loan file, not slides.

03

A plan for your deployment, with timing and pricing.

Next step: pick a time on our calendar.

Thanks. We'll be in touch shortly to pick a time.