Contract Services
Contract Underwriting Contract Processing Quality Control CondoAnalytics™Consulting & Compliance
Regulatory Compliance HMDA & MCR Reporting Expert WitnessAI & Technology
CLEAR Encompass Admin Services Cybersecurity Penetration TestingMore
Why Commonwealth Cost CalculatorInsights
Blogs VideosFulfillment, compliance and technology that flex with your pipeline.
One onshore partner across contract services, regulatory consulting and mortgage technology, scaling with your volume, without the fixed headcount you carry when the market turns.
Contract Services
Consulting & Compliance
AI & Technology
One partner across operations, compliance and technology.
Take the whole stack or the single piece you are short on. There is no bundle you have to buy into.
Contract Underwriting
CRU-accredited underwriters across QM, Non-QM, construction and HELOC: two business days, and no volume minimum on standard QM.
Contract Processing
Full-file or overflow processing that absorbs volume spikes without permanent seats; or a drop in the standard investors audit against.
Quality Control
Pre- and post-close audits, targeted reviews and defect-trend reporting that stands up to agency scrutiny.
CondoAnalytics™
A Commonwealth Group companyCondo project review as its own practice, with its own team and its own platform. Full and limited reviews with clear eligibility findings and the documentation to support them, available through Commonwealth or direct.
Regulatory Compliance
Policy development, fair lending analysis, exam readiness and remediation, the practice we were founded on in 2008.
HMDA Reporting
Data integrity scrubs, geocoding validation and filing support that catch errors before regulators do.
Mortgage Call Reports
Quarterly MCR preparation and filing, reconciled to your LOS and NMLS record.
Operational Consulting
Workflow redesign, capacity modeling and cost-per-loan analysis, scoped to your operation, not a template.
Expert Witness Services
Litigation support and testimony on underwriting standards, servicing conduct and compliance practice.
Portfolio Due Diligence
Pre-purchase and pre-securitization file reviews with credit, compliance and valuation findings in one report.
CLEAR
AI-powered income calculation, underwriting and quality control, built by underwriters. CLEAR Income Analysis is available now, with more underway.
Encompass & LOS Admin Services
Certified administrators owning your configuration, business rules, input forms and release testing, so your LOS keeps up with your product set.
FNMA & FHLMC Cybersecurity
Agency-required security assessments and attestation support, mapped to current selling-guide expectations.
Penetration Testing
External and internal testing with prioritized remediation guidance your IT team can actually execute.
Fixed cost is the enemy of a cyclical business.
No minimums for QM Underwriting
Send one file or one hundred. Allowing your organization the flexibility it needs to adapt with a market that is always changing.
100% onshore
Every underwriter, processor and auditor is U.S.-based. Same time zone, same regulatory context, direct phone access.
Compliance in the DNA
We began as a fair lending and compliance consultancy in 2008. The work is done by people who know how it will be examined.
Elastic both directions
Scale up for a refi wave, scale down when it passes, without severance, ramp time or idle salary.
Onboarded in days, not quarters.
No enterprise procurement cycle, no long-term lock-in, no rebuild of your workflow.
Scoping call
Products, volumes, pain points. We map which services fit and which don't: one conversation, with a practitioner.
Scope & setup
We load your overlays and templates and connect to your LOS; or agree scope, deliverables and timeline for a consulting engagement.
Pilot, then scale
A batch of files, a single audit, one system. Review the work, then expand or dial back at will.
Built for lenders of every size.
Start with a conversation, not a contract.
Tell us what's backing up: underwriting turn times, an exam finding, a system you've outgrown. You'll speak with someone who has done the work, and we'll tell you honestly whether we're the right fit.
Direct contact
(901) 406-6400Mon–Fri, 8am–6pm CT info@thecommonwealth.netResponse within one business dayP.O. Box 38628Germantown, TN 38183