Case Study: Legacy Mutual Mortgage standardizes income analysis and speeds underwriting with Ocrolus

Legacy Mutual Mortgage standardizes income analysis across 42 states with Ocrolus

Legacy Mutual Mortgage, a residential lender operating across 42 states, faced a challenge with inconsistent loan file workflows across its independently run branches. This lack of standardization made it difficult for underwriters to review files quickly. To address this, they turned to Ocrolus and its analytics platform to standardize income analysis and surface discrepancies earlier in the loan process.

By implementing Ocrolus, Legacy Mutual automated income analysis company-wide, replacing manual calculations. The solution provided underwriters with accurate, structured data and used Ocrolus Inspect to proactively flag issues like large deposits and address discrepancies before files reached underwriting. This resulted in faster file reviews, fewer conditions, and a smoother path to closing loans for borrowers.

Legacy Mutual Mortgage