Why Credit Unions Partner with MSIC Partners
Offering a fully branded mortgage program - without building a mortgage department.
MSIC Partners helps credit unions offer fully branded mortgage programs while maintaining control of their member relationships, without the cost of building and staffing a full mortgage department.
Partners provides the infrastructure, expertise, and scalability needed to operate a successful mortgage program, allowing you stay focused on your members.
Why Credit Unions Partner with MSIC Partners
Cost Efficiency
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1% participation fee (capped based on program level)
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No upfront costs or production minimums
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Flexible fee structure aligned with your volume
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Optional underwriting-only support (available at a flat $500 fee)
Technology & Infrastructure
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Encompass Loan Origination System
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Product and Pricing Engine
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Scalable user access based on operational needs
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Secure, efficient, paperless workflow
Member & Brand Control
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Loans are originated, processed, and closed entirely in your credit union’s name
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Your credit union remains the primary point of contact for your members
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Full control over attorney selection
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Workflows tailored to your institution
Product Differentiation (TRIM)
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Portfolio-based mortgage solution designed for member retention
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One-time rate adjustment option between the 6th and 60th month
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Rate adjustments based on the Freddie Mac PMMS index
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​Helps reduce portfolio runoff in changing rate environments
Compliance and Support
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Experienced underwriting team with conventional lending expertise
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Support for HMDA data collection and reporting preparation
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Ongoing staff training and system support
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Collaborative approach aligned with your credit union’s policies
How MSIC Partners Works with Your Credit Union
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Your credit union remains the face of the mortgage program and maintains the member relationship
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MSIC Partners manages disclosures, processing, underwriting, closing, and post closing
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Loans are completed entirely in your credit union’s name
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Your credit union retains the member relationship and ongoing servicing connection
A Better Way to Offer Mortgage Lending
MSIC Partners acts as a remote mortgage department for your credit union, providing the infrastructure, expertise, and scalability to support your mortgage program without adding internal overhead.
This allows your team to focus on serving members and growing relationships, while we manage the operational complexity behind the scenes.
Whether launching a new mortgage program or enhancing an existing one, MSIC Partners provides a flexible solution designed to grow with your credit union.