Business Process Services

Mortgage Services

Unpredictable growth prospects, increasing regulatory pressure, and the evolving needs and preferences of consumers are transforming the way mortgage banking is conducted. Mortgage lenders and servicers are looking for ways to navigate uncertain market conditions, and adapt to diverse consumer preferences.

With TCS’ Mortgage Services, you benefit from our flexible operations model backed by a resource pool with vast mortgage expertise. We ensure superior customer satisfaction by simplifying your business processes. Our robotic process automation delivers faster time to market of products and services, and reduces cycle time of originating loans. Our services also help you mitigate risks, and manage regulatory requirements at optimal costs.

The TCS Advantage

ValueBPS: Our ValueBPS approach helps enterprises achieve significant and sustained business outcomes by leveraging our deep domain expertise and operations redesign methodologies such as FORE™. Our approach also encompasses robotic process automation (RPA), analytics and insights, our unique IT-BPS synergy, Business Process as a Service (BPaaS) models, and business process management (BPM).

Industry Domain Expertise: Our experience in partnering with leading global banks, lenders and servicers along with a large talent pool of mortgage specialists, enable us to process more than 50 million transactions annually from 14 global delivery centers.

Analytics and Insights: We deliver key insights using advanced modeling techniques. Our in-depth solutions provide accurate analysis on industry trends and customer behavior to help you mitigate risk and increasing profitability.

Effective Risk Management and Governance: We enable effective risk management through our suite of risk management tools and controls. These, along with regular internal and external audits such as CMMi SVC Level 5, SSAE16, IS27001, and BS25999, help us align with industry benchmarks and ensure adherence to compliance requirements of regulators such as Office of the Comptroller of Currency (OCC), and government sponsored enterprises, Reserve Bank of India, etc.

Delivery Excellence: We leverage our Global Network Delivery Model (GNDM™) to provide services from our multiple offshore, near shore and onshore locations.

Specific Mortgage related business services are provided by TCS e-Serve America Inc (NMLS ID: 253943), an US based subsidiary entity.

Solutions We Offer

We provide end-to-end mortgage services across:

  • Loan Originations
  • Loan Servicing
  • Loss Mitigation
  • Foreclosure
  • Bankruptcy
  • Property Preservation

We also provide extended services that include:

  • Collections 
  • Social Media Analytics
  • Default Analytics
  • Business Process Modelling


Key benefits we deliver include:

  • Over 95% reduction in processing time and 100 percent accuracy through Robotic Process Automation
  • Over 30% reduction in loan originations cycle time
  • Over 60% reduction in loan originations fulfillment cost
  • Over 40% improvement in Net Promoter Score
  • Up to 50% reduction in underwriter processing time

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