SonarOps · Mortgage fulfillment for banks and credit unions
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
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.
And to take most of the headache of running a mortgage back office off your hands.
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.
Files are read, underwritten and conditioned as they arrive, not when someone gets to them.
Fewer document requests and faster answers, all under your brand.
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.
Read our paper on cyclicality in mortgage operations →
See what this would look like for your institution.
Talk to usWhat we take on
Start with one of them or hand us all of it. If you need more than that, ask.
What stays with you
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.
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.
Yes. We can take on one function or all of them.
You do. We underwrite to your guidelines and criteria, and your institution signs off and funds.
No. Sonar sits in the background, and everything the borrower sees carries your brand.
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.
That is Sonar Apex. See Sonar Apex
Tell us your volume and product mix and we'll show you how SonarOps would run it.
A 30-minute call with our team.
Sonar working a real loan file, not slides.
A plan for your deployment, with timing and pricing.