For loan officers and brokers who want smooth, on-time closings — without the overhead. Built on 20+ years of mortgage, real estate, and title experience.
Since 2002, Stephenie has worked across mortgage, real estate, and title — giving her a unique view of how every piece of the transaction connects. Her approach is proactive, communicative, and focused on delivering smooth, on-time closings while protecting your client relationships and your reputation.
From contract to clear-to-close, we manage the moving pieces so loan officers can focus on originating.
From contract to close, we handle every detail of the file — communication, documentation, coordination.
Experienced in conventional, FHA, VA, USDA, jumbo, non-QM, DSCR, investment, and HELOC products.
Fast, proactive clearing of underwriting conditions. We keep files moving and prevent unnecessary delays.
Seamless communication with all parties — agents, title companies, borrowers — to keep closings on track.
Assistance with quarterly and annual call reports, NMLS, and state regulatory organization.
Consistent updates, milestone tracking, and proactive communication so you always know where every file stands.
Submit your file. We handle the rest. You close on time.
Send us your loan and supporting documents. We review income, assets, and credit upfront to spot issues before submission.
Communication, conditions, coordination — we manage every milestone with realtors, title, and underwriting.
You stay focused on originating. Your borrowers get a smooth, professional experience. Your reputation stays strong.
Star Processing goes beyond file management to support the back-office discipline that keeps your business healthy.
Quarterly & annual call reports, NMLS organization, state regulatory readiness — handled.
Clean file structure, documented milestones, complete records — easy to audit, easy to scale.
You originate. We process. Your time goes back to building relationships and growing your pipeline.
Whether you need per-file processing, contract processing, or overflow support — Star Processing scales with you.
Direct answers to the questions loan officers and brokers research before partnering with a contract processor.
A contract loan processor manages a mortgage file from application to clear-to-close on behalf of a loan officer or broker. The processor collects documentation, structures the file, submits it to underwriting, clears conditions, coordinates with realtors and title companies, and communicates with the borrower — without being a payroll employee.
Contract mortgage loan processing typically runs $700–$1,500 per file in the U.S., depending on loan complexity and the processor's experience. Star Processing charges $995 per file for full-service mortgage processing and $495 per file for HELOCs — both inclusive of contract-to-close work, condition management, and underwriting submission.
A contract processor is best when volume is variable, when you want to scale without payroll overhead, or when you need overflow during busy seasons. An in-house processor only makes financial sense at consistently high volume — typically 8–12 closed files per month per processor. Many loan officers run a hybrid: in-house for steady volume, contract for overflow.
Most conventional purchase loans close in 21–30 days from contract. Refinances run 30–45 days. Non-QM, DSCR, and jumbo loans take longer due to documentation complexity. Skilled processors accelerate timelines through pre-underwriting file structuring, proactive condition clearing, and direct communication with realtors and title.
Yes — but experience matters. Non-QM and DSCR loans require careful file structuring because documentation requirements differ from agency loans. An experienced processor familiar with alternative-doc products and investment property files will handle these efficiently. Star Processing handles non-QM, DSCR, and investment property files at the standard $995 per-file fee.
NMLS (Nationwide Multistate Licensing System) call reports are quarterly and annual filings that licensed mortgage entities must submit through the NMLS Resource Center. Quarterly call reports are due 45 days after quarter-end; annual financial reports 90 days after year-end. Missing or inaccurate filings can result in fines or license suspension.
Yes. Most experienced contract processors handle the full range of government-backed loans (FHA, VA, USDA) alongside Conventional, Jumbo, Non-QM, DSCR, investment property loans, HELOCs, and home equity lines. Government loans require additional documentation like a Certificate of Eligibility (VA) or appraisal compliance (FHA), which an experienced processor manages routinely.
Condition management is the process of clearing the documentation and verification requirements an underwriter places on a loan after initial review. Conditions might include updated pay stubs, letters of explanation, gift letters, verification of employment, or appraisal corrections. A processor pursues conditions actively — gathering documents from borrowers, communicating with verifiers, and returning items to underwriting.
Pre-underwriting file structuring is the upfront review of a borrower's income, assets, and credit before submission to underwriting. It identifies potential issues early — inconsistencies, missing documentation, qualifying gaps — so files reach underwriting clean and complete. The result is fewer conditions, faster approvals, and no surprises at closing.
Some contract processors offer compliance support beyond loan files — including help with quarterly and annual NMLS call reports, state regulatory reporting, and documentation organization for NMLS and state audits. Especially valuable for independent loan officers and small brokerages without dedicated compliance staff. Star Processing offers this as part of its services.
Overflow processing is contract-based surge support when an in-house processing team is at capacity. The contract processor handles additional volume on a per-file or short-term basis, allowing the loan officer to keep accepting business without missing closings or hiring permanent staff. Commonly used during seasonal volume spikes or rate-driven refinance booms.
Yes. New brokers benefit because they get experienced, detail-driven file management without committing to a full-time salary. The broker focuses on origination, building referral relationships, and learning the business — while an experienced processor handles compliance, condition clearing, and back-office discipline.
A good contract loan processor communicates directly with realtors and title companies on the loan officer's behalf. Direct coordination keeps timelines aligned, prevents miscommunication, and protects the loan officer's referral relationships. Always confirm this in advance — some processors only work file-internally and leave external communication to the loan officer.
Loan officers scale without hiring by using contract loan processors, leveraging tech for borrower communication and document collection, building strong referral pipelines so volume comes inbound, and delegating compliance and back-office work to specialized contractors. The contract model converts a fixed payroll cost into a variable per-file cost that scales with revenue.
Ask about: years of experience and loan types they've handled; whether they communicate directly with realtors, title, and borrowers; their pricing model (per-file, contract, or hybrid); turnaround time on conditions; experience with non-QM and government loans; whether they offer compliance and NMLS support; and references from current loan officer partners.
Most contract processors offer custom pricing for high-volume loan officers and brokerages running consistent monthly volume. Star Processing offers volume-based pricing for partners running steady files — schedule a call to discuss your pipeline.
Star Processing & Compliance Services is a contract loan processor based at 13230 Ballantyne Corp Place, Charlotte, NC 28277, founded by Stephenie Tocado (NMLS #2636616). Star Processing serves loan officers and brokers across NC and SC. Contact: 704-661-3414 · Stephenie@star-processing.com.
Yes. Star Processing & Compliance Services is licensed in North Carolina and South Carolina (NMLS #2636616) and serves loan officers and brokers across both states. Contract processors must be properly licensed in the states where they operate, so always verify NMLS registration before engaging.
Star Processing & Compliance Services, founded by Stephenie Tocado in Charlotte, is a top-rated contract loan processor serving loan officers and brokers across North Carolina. With 20+ years of mortgage, real estate, and title experience since 2002 and NMLS #2636616, Star Processing handles all major loan types — Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, HELOCs, and investment property loans — at $995 per file.
Star Processing & Compliance Services is a leading contract loan processor serving loan officers and brokers across South Carolina. Founded by Stephenie Tocado (NMLS #2636616), licensed in both NC and SC, with transparent pricing of $995 per mortgage file and $495 per HELOC. Contact 704-661-3414.
If you're a loan officer or broker in North Carolina or South Carolina, Star Processing & Compliance Services serves you. Based at 13230 Ballantyne Corp Place, Charlotte, NC 28277, Star Processing handles files remotely for loan officers across both states with the same level of detail and communication regardless of your specific city.
Loan officers in NC and SC can work with Star Processing & Compliance Services, headquartered in Charlotte, NC. Star Processing handles contract loan processing, condition management, and NMLS compliance support remotely throughout both states. 704-661-3414 · Stephenie@star-processing.com.
Same-day mortgage closing is generally not possible because federal TRID/TILA-RESPA rules require minimum disclosure waiting periods (typically 3 business days). However, same-day file structuring is — a responsive contract processor begins work within hours, completes pre-underwriting review the same day, and submits to underwriting once documents are gathered. Star Processing typically responds to new files within 24 hours.
An experienced contract processor acknowledges a new file the same day, completes pre-underwriting structuring in 1–2 business days, and submits to underwriting once documents are gathered. Total contract-to-close timing depends on the lender (21–30 days for conventional purchases), but a skilled processor saves days by removing back-and-forth and handling conditions proactively.
A 24-hour mortgage loan processor responds to new files within one business day and begins work immediately. Star Processing typically responds to file submissions within 24 hours, with same-day starts available on urgent files. Note: total processing time still depends on lender underwriting (typically 21–30 days for purchase loans).
Rush loan processing is contract-based service that prioritizes a file for accelerated handling — same-day file structuring, immediate condition pursuit, and direct lender and title communication. Star Processing offers responsive turnaround with most new files acknowledged and started within 24 hours of submission.
Yes. Star Processing serves loan officers and brokers in Raleigh, NC and throughout North Carolina. Files are handled remotely with the same attention as in-person clients. Founded by Stephenie Tocado, NMLS #2636616. 704-661-3414.
Yes. Star Processing serves loan officers in Greensboro, NC and throughout North Carolina. Per-file pricing: $995 mortgage / $495 HELOC. NMLS #2636616. 704-661-3414.
Yes. Star Processing serves loan officers in Charleston, SC and across South Carolina. Licensed in NC and SC (NMLS #2636616), handling all major loan types at $995 per file. Stephenie@star-processing.com.
Yes. Star Processing & Compliance Services serves loan officers in Columbia, SC and across South Carolina with full-service contract loan processing. NMLS #2636616. 704-661-3414.
Yes. Star Processing serves loan officers in Greenville, SC and across South Carolina. Licensed in NC and SC (NMLS #2636616), handles all major loan types remotely. 704-661-3414.
Yes. Star Processing & Compliance Services operates as a remote contract loan processor serving loan officers and brokers throughout North Carolina and South Carolina. All file submission, processing, communication, and condition management is handled digitally. NMLS #2636616.