Case Study: Fremont Investment and Loan achieves improved underwriting quality and regulatory compliance with Questionmark

Fremont Investment and Loan: Confirming the capabilities of loan underwriters

Fremont Investment and Loan (FIL), a mortgage lender in Brea, Calif., needed to ensure loan underwriters and account managers consistently followed FDIC and investor underwriting guidelines so loans could be sold to investors. To manage high‑stakes testing for promotions, retraining and compliance, FIL turned to Questionmark to create and deliver assessments that validate underwriting, fraud detection, regulatory and funding procedures.

Questionmark provided about 15 assessments (including high‑security delivery with Questionmark Secure) plus tools like the Coaching Report and Item Analysis Report, and integrated with FIL’s SumTotal LMS to track completion and scores. Using Questionmark, FIL improved underwriting quality, created an auditable compliance trail, eliminated travel costs for test delivery, and saw correlated increases in residential submissions, fundings and closings — boosting growth and investor confidence.

Fremont Investment and Loan

Donna Neelis

Data Analyst