Case Studies

Immediate Savings By Going Paperless

Full-Service Mortgage Banker Builds Consistent Underwriting Protocols with DataTrac Driven Back-End and DataTrac EDM Paperless Lending


UFF realized immediate savings as a result of becoming paperless. Previously accustomed to having shipping costs of about $10,000 each month, once UFF began delivering its files via imaged bundles, its shipping and postage charges were virtually eliminated. Additionally, the time to stack a file and make copies, change paper trays and toner bottles has been totally eliminated.


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Compliance Requirements are Pain-Free

$1.2 Billion Mortgage Banker Castle & Cooke Mortgage Credits DataTrac for Pain Free Compliance Without Workflow Adjustments or Added Staff


Castle & Cooke Mortgage has fine-tuned its lending processes with DMD’s DataTrac Suite as its system of record since 2005. According to its president, Matthew Pineda, due to the “zero-defect” processes built into and enforced by its paperless automated loan origination workflow platform, Castle & Cooke Mortgage’s adoption of new investor and regulatory requirements has been largely pain free.


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Ensure Commission Accuracy

City Bank Mortgage Increases Commission Accuracy With DMD’s DataTrac Commissions


Within the first few days of implementing the DMD Commissions calculating and tracking solution, City Bank Mortgage identified a $10,000 commission payout error resulting from several misallocations.


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Support Broker to Banker Transition

Oceanside Mortgage Takes Broker-to-Banker Transition in Stride with DMD Solutions


High volume FHA lender delivers 1003 in 15 minutes or less, reduces errors with DataTrac Originator, increases warehouse turn times with DataTrac EDM.  Upon implementing DataTrac Originator, Oceanside experienced tremendous front-end productivity gains. DataTrac Originator's electronic point of sale capabilities, allowed originators to eliminate paper 1003s, greatly improving Oceanside’s responsiveness to applicant borrowers by enabling originators to send electronic 1003s within minutes of a borrower’s request. Further, after borrowers return their 1003s, the openers assigned to the file no longer waste time re-keying information.

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Expand Lending Operations

City Bank Mortgage Facilitates Expansion, Operational Efficiency with DataTrac, DataTrac Web, DataTrac EDM


Within a year of implementing DataTrac and DataTrac Web, City Bank Mortgage grew from a one branch operation that originated approximately 50 loans per month to a ten branch operation that originated more than 200 loans per month as a result of acquiring nine other Texas lenders.

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Support Secondary Strategies

Brand Mortgage Taps DMD DataTrac to Support Bulk Mandatory Secondary Strategies


According to Brand Mortgage’s senior vice president of capital markets, Mark Mullins, DataTrac’s rules-driven workflow management system enforces Brand Mortgage’s lending standards across the business to allow only fully-compliant, zero-defect loans to advance through their process. Loan files that meet the lender’s internal policy guidelines move from origination to underwriting to closing to fulfillment to secondary in the optimum timeframe with the expected profitability.

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Increase Back-Office Efficiency

WR Lending saves 1.5 hours per loan in its back-office operation with DataTrac


WR Lending originally maintained its own paper loan documents—a tedious process that required WR staff to deal with hundreds of paper loan files every day, with manual tracking systems being used in each department. To take better control of its operations, the company selected DataTrac to centralize its loan status information.

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Maximize Lender Productivity

Cornerstone Mortgage Increases Productivity by More Than 100 Percent with DataTrac, DataTrac EDM


After implementing DataTrac, Cornerstone Mortgage experienced productivity gains in several areas throughout the company. Overall, the company was able to increase its productivity, as measured by funded loan per employee, by more than 100 percent. Prior to using DataTrac, Cornerstone Mortgage was funding approximately 45 loans per employee per year. Since the DataTrac implementation, they are funding more than 120 loans per employee per year.

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Increase Production Volume

Texas-based Wholesale Mortgage Lender increases production by 600%, 2008 to 2009, without adjusting 3-person back office staff



360 Mortgage launched its retail, direct-to-consumer model on another technology platform. When its model converted to wholesale, and in part due to a co-founder’s previous experience at a high-volume mortgage banker, 360 selected the Del Mar DataTrac (DMD) mortgage lending process automation product suite.

As of mid-2008, the company’s technology platform includes the DMD DataTrac workflow management and database solution; its DocumentTrac paperless lending electronic document management product, recently renamed DataTrac EDM; and its originator pipeline management tool WebTrac, recently renamed DataTrac Web.

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Enable Paperless Lending

Castle & Cooke Mortgage, LLC, Opens Doors with DocumentTrac®, Operating Paperless, Experiencing Substantial Savings


DataTrac EDM provides Castle & Cooke with a paperless means of imaging, archiving, retrieving, and distributing all documents associated with their loan files. As a result of its seamless integration with DataTrac, the company has conducted its business without developing a dependency on physical (paper) loan files; providing staff with quick, cross-organizational access to electronic documents in real time.

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Reduce Lender Operating Costs

Network Funding Reduces Shipping and Loan Processing Costs with DataTrac EDM

Lender eliminates $2000 in monthly shipping charges, 1.5 days of labor per file

Since its implementation, DataTrac EDM has provided Network Funding with a paperless means of imaging, archiving, retrieving, and distributing all documents associated with loans files. As a result of its seamless integration with DataTrac and DataTrac Web, DataTrac EDM was quickly deployed.  This instantly provided Network Funding’s staff with quick, cross-organizational access to loan files in real-time, from any location in its affiliate branch system.

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