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94 "We designed the mello smartloan to mirror the digital experience that today's con- sumer wants," said Anthony Hsieh, Founder and CEO of loanDepot. "e mello smart- loan leapfrogs decades of traditional industry reliance on paper documentation and physical files. Our unmatched technology acceler- ates beyond current front-end data validation techniques to eliminate homebuyers' biggest stressors: Voluminous documentation require- ments and extended loan processing and cycle times. e mello smartloan eliminates the paperwork and the guesswork while delivering a great product at a great value." loanDepot stated that it has invested more than $80 million in the proprietary technology that powers the mello smartloan. e company projects that up to 55 percent of new loanDepot applicants will ultimately be eligible for this innovative digital home mortgage experience, and many of those same customers will also enjoy more favorable loan pricing due to the lower overhead costs. "We built the mello smartloan with one goal in mind–the customer experience, where obtaining a loan complemented our customers' digital lifestyles," said Tammy Richards, COO of loanDepot. "We are committed to making the entire end-to-end loan process easier, faster, stress-free and a natural extension of our customers' lives." Ellie Mae Solution Powers CoreLogic and TRK CoreLogic and TRK Connection (TRK) have integrated two of their key platforms respectively on California-based Ellie Mae's Encompass all-in-one mortgage management solution. While CoreLogic has integrated its OnSite property condition reports on the Ellie Mae Encompass solution, TRK's flagship mortgage QC audit platform Insight Risk & Defect Management (RDM) is now available through the Ellie Mae Encompass Digital Lending Platform via Ellie Mae's Encompass Partner Connect APIs. OnSite is CoreLogic's property condition report coupled with local market conditions and patent-pending features that are specifi- cally designed to help institutions meet the federal requirements when an automated valuation model (AVM) is used for mortgage lending purposes. "Organizations are always looking for ways to improve efficiencies during the valuations process, particularly during the home equity lending process," said Jonathan Nutting, Senior Leader, Valuation Operations at CoreLogic. "As the first integration of its kind on Encompass, users will now be able to easily incorporate this solution into their existing workflows, saving them time and money in instances where an appraisal is not necessary." OnSite is designed to help lenders comply with federal guidelines surrounding the verifi- cation of the physical condition of a property. is integration also allows users to access OnSite Plus–a property condition report for situations where a licensed real estate broker or agent is required to gain access to a property, or when a local expert is needed. OnSite joins 15 other CoreLogic products currently inte- grated with the Encompass platform. TRK's integration with Encompass allows lenders to utilize Insight RDM for pre- funding and post-closing QC directly through Encompass to drive quality and efficiency in the loan origination process. Insight RDM delivers QC functionality to streamline the loan defect management and remediation process, helping mortgage lenders track, report, and trend loan defects to reduce repurchase risk and elevate loan quality. e enhanced integration also enables Insight RDM to use those data elements in conjunction with Ellie Mae's system of record to improve process flow, increase audit speed, and provide additional automation in the loan file review process. "Having direct access to the Encompass Partner Connect APIs has allowed us to build an environment in which Insight RDM and Encompass work in seamless harmony to support lenders' quality control activities," said Jeremy Burcham, TRK Executive VP of Strategy. "TRK is delighted to expand its rela- tionship with Ellie Mae, and we look forward to continuing that expansion throughout the Ellie Mae solution ecosystem." COLORADO MountainView Expands Pricing Capabilities MountainView Financial Solutions, a Situs company headquartered in Denver, Colorado, and an adviser to the financial services indus- try, has expanded its asset valuation solution to include Enhanced Daily Marks for a range of hard-to-value Level 2 and Level 3 assets. is further strengthens the company's pricing and valuation offering, expanding the support provided to investors, mutual funds, REITs, investment advisors, and secured lenders. MountainView's Enhanced Daily Marks go beyond the standard valuation solutions that are familiar to the industry and include transparency about the details underlying inputs and assumptions used to determine value. While the analysis provided is in-depth and sophisticated, the final report is intui- tive, enabling the user to explain the results to investors and auditors. "When it comes to valuation, we've always maintained that high-quality, detailed information and clear insights are essential to the final deliverable," said Brian Dunn, Managing Director of MountainView's loan valuation team. "Many will simply deliver the final determination of value as a number, but in our experience and practice, the underlying details paired with an intuitive report offer clients a valuation that checks all the boxes: it is in-depth, defensible and transparent." MountainView's Enhanced Daily Marks are available for residential and commercial loans, marketplace lending loans, asset-backed securities, residential mortgage-backed securi- ties, commercial mortgage-backed securi- ties, and collateralized loan obligations. is solution provides an additional tool for clients as they make investment decisions on loan and structured finance securities, bringing clarity in the midst of continued economic uncer- tainty that is adding layers of complexity for asset valuation. "When market dynamics are difficult to pin down, as they are today, more frequent marks become critical for institutional clients," said Chris Kennedy, Managing Director at MountainView Financial Solutions. "More- over, increasing consumer debt, a flat yield curve and uncertainty around the stability of some complex asset classes—specifically, MPL loans—is creating more demand for detailed valuations, which is really our bread and but- ter." WASHINGTON Evergreen Home Loans Use Snapdocs Technology Bellevue, Washington-based Evergreen Home Loans has adopted, Snapdocs' technol- ogy to facilitate e-signings and improve its customer satisfaction, according to the San Francisco-headquartered mortgage tech provider Snapdocs. Evergreen Home Loans is