WHITEPAPER

The 15‑day mortgage close playbook for lenders

Practical steps to scale underwriting with AI before the next refi wave

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the 15‑day mortgage close playbook for lenders

Why speed will define the next mortgage cycle

Interest-rate dips already sparked a 9.4% surge in mortgage applications when 30-year rates briefly hit 6.77% in July 2025. Analysts expect a far bigger spike once the new Fed chair signals a sustained easing cycle. Lenders still closing in 45–51 days risk losing borrowers to tech-forward competitors funding in just 15.

This playbook distills the workflows, KPIs and leadership moves that squeeze weeks out of underwriting, without adding headcount or compromising quality.

TAKEAWAYS

Ocrolus

Compress cycle time from 45 to 15 days

Ocrolus

Leverage AI for real-time validation & income calcs

Ocrolus

Five-step roadmap to modernize workflows

Ocrolus

Benchmark KPIs that drive cost-per-loan down

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