MortgageOps · Home Lending Portfolio Control Tower

Portfolio-level execution visibility for Home Lending

A single operational view for executives and TPMs to track delivery health, surface risk early, and intervene before SLAs or customer experience are impacted.

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Programs in Portfolio

4

SLA Breaches

3

High-Risk Programs

1

Estimated SLA Penalty Exposure

$4.2M

Driven by appraisal and title delays in high-volume programs.

Customer Attrition Risk

Medium–High

Concentrated in Jumbo and Government loan segments.

Operational Rework Cost

$1.1M / quarter

Document defects and downstream corrections.

Active Programs
ProgramStageSLACurrent AgeRiskBottleneckOwner
Retail Purchase LoansUnderwriting15d18dHighAppraisal backlogUnderwriting Ops
Refinance PipelineOrigination10d7dLowNoneRetail Lending
Jumbo LoansClosing8d9dMediumTitle vendor delaysClosing Ops
Government Loans (FHA/VA)Funding5d6dMediumDocument defectsFunding Ops

Program Dependencies (Simplified)

Portfolio risk often emerges at dependency boundaries — vendors, shared services, and downstream teams. This view highlights where multiple programs rely on the same constraint.

Appraisal Vendors

High
  • Retail Purchase Loans
  • Jumbo Loans

Title & Closing Vendors

Medium
  • Jumbo Loans
  • Government Loans

Funding Ops Capacity

Medium
  • Government Loans

Portfolio Interventions (Suggested)

  • • Rebalance appraisal vendors to relieve underwriting backlog.
  • • Escalate title SLAs for Jumbo loans approaching breach.
  • • Preemptively staff funding ops to reduce defect rework.