Mortgage and Loan Solutions

Iron Mountain Mortgage and Loan Solutions

Mortgage and Loan Solutions

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Unpredictable interest rates, an evolving regulatory environment, and shifting borrower demographics are just a few challenges facing today’s lenders. Meeting those challenges has resulted in rising origination costs and lower margins. To be successful in today’s environment, lenders must innovate to stay ahead of the competition.

Iron Mountain’s Mortgage and Loan Solutions can help you tackle any challenge with its innovative products and services designed to reduce your costs as well as keep you compliant.

With our Mortgage and Loan Solutions you can:

  • Implement automated processes leveraging leading edge technology
  • Reduce regulatory risk
  • Strengthen chain of custody
  • Implement scalability and a variable cost model
  • Reduce costs
  • Manage large volumes of documents in a hybrid environment
  • Integrate new technology with legacy systems
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Mortgage and Loan Solutions Use Cases


Evolving workplaces are testing lender business continuity plans. Some sites are temporarily shut down, limiting remote employees access to physical loan files. Implementing proper social distancing measures to reduce employee risks can be difficult with limited real estate.


Iron Mountain can process physical loan files and provide digital images to enable access by remote employees. Our storage capabilities can hold and help handle files until business as usual processing has returned. Let Iron Mountain be your trusted partner to help you sustain your business.

  • improve your business continuity plan for backup loan processing
  • reduce COVID-19 site exposure risk

We recognize the substantial strain supporting the operations of a Doc Custody program has on your organization. With real-estate carrying huge overhead costs, resource allocation at a premium, and unpredictable market conditions, taking that non-core business function out of your direct business model has been viewed highly successful by both agency and non-agency organizations.


Iron Mountain can act as the custodian for those loans, allowing you to focus your resources and continue growing your business. We can support a large portion of your custodial operations as a white label outsource vendor - with over 5 million compliant initial collateral certifications issued in 2021. Let Iron Mountain be your trusted partner to help you sustain your business.

  • Iron Mountain is the outsourcing partner for the nation’s top custodians
  • Paid In Full Releases managed for over 5.5 million loans per year
  • Best in class document management operations and security
  • Heavily invested in custodial transformation with InSight, IDP, CSP, digital and physical storage
  • Trusted independent content guardian
  • Road to structured data processing
  • Supporting operations/resource allocation

Mortgage originators face the fluctuation of ever changing conditions accelerated by expanding borrower expectations, shifting interest rates, new product requirements and regulatory obligations, intense resource competition, and cost containment priorities. It is a challenge to manage each oncoming wave while gaining process efficiencies, real time reporting capabilities and scalability, as well as reducing fixed costs and regulatory risk exposure.


Iron Mountain has best-in-class operations to digitize, process and deliver loan files to the next destination. Our solutions meet data validation requirements for all investors while matching the tightest timelines. Leverage Iron Mountain’s secure facilities and staffing to scale for unplanned volumes and future growth.

  • improve operational efficiencies for loan securitizations
  • reduce operational costs while meeting demand
  • improve process scalability while working remotely
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Solutions to Help:
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The lending industry is preparing for a rapid increase in default rates due to COVID-19. Managing a large influx of collateral files for imaging, validation and disposition to an attorney can be difficult with limited access to real estate, hardware and staffing while most employees are working remotely.


Iron Mountain can be the record keeper for mortgage servicers while default activities are in progress. Our solutions can scale quickly to inbound loan default packages image files and store those files in an active file room environment until files reach an attorney. Let Iron Mountain be your processing center for default document support.

  • reduce investor fines
  • meet strict state timelines for collateral disposition
  • increase scalability with the ability to handle large fluctuations in inbound volume
  • limit collateral file movement from default to liquidation
Banking HR Document Inventory Management Use Case

During a loan purchase or sale, the buyer or seller must properly organize and process documents to meet contract requirements within a strict timeline. Documents requiring processing and movement can be in a physical or electronic format. With limited resources, digitizing large volumes of files and mapping images to taxonomies can sometimes be impossible.


Iron Mountain has best-in-class operations to digitize and organize image information meeting contract requirements. Our solutions can meet the strictest timelines leveraging human-supervised machine learning to deliver near 100 percent accurate image classification results that map to your image taxonomies.

  • meet strict timelines for image delivery and classification
  • reduce overall Mortgage Servicing Rights (MSR) deal costs
Banking Backfile Imaging for Improved Access Use Case
Solutions to Help:
Iron Mountain Insight

Low interest rates have driven mortgage refinancing to new highs, with recent data showing that 68%* of all home loans issued in Q1 of 2021 alone were for refinance mortgages. For loan originators, the flip side of this record growth is a need to accelerate Paid in Full Processing actions at unprecedented levels of volume and efficiency. Like many lenders, one top 10 loan originator had a major third-party post-closing firm handle this process, which involves obtaining necessary documents from the designated custodian, and then processing and sending certain documents to the loan originator and the mortgagor. But with document processing requests soaring to as many as 45,000 a month, costs skyrocketed, while speed and service levels from its third-party vendor started to decline. The lender risked not getting documents on time and missing deadlines that differ by state for recording the lien satisfaction in the land records, as well as getting discharge of mortgage documentation in the correct form to the mortgagor.


Iron Mountain works with 23 of the 29 GSE sanctioned custodians -- to not only securely store mortgage documents, but accelerate the certification process using AI and Machine Learning technologies so that the loans can be timely securitized and sold to investors. With confidence in that rich industry experience, the loan originator decided to put Iron Mountain in charge of its Paid in Full Process, with Iron Mountain working directly with their custodian to handle the process securely, efficiently and cost-effectively, end-to-end.

  • Saved 50% on Paid in Full Processing over the cost of its third-party provider
  • Real-time reporting allowed end-to-end visibility into workflow to monitor and ensure documents were with the necessary parties and in the right format
  • Secure chain of custody reduced risk and ensured compliance with various state mandates

Tackle Mortgage and Loan Challenges Head On

Iron Mountain Mortgage and Loan Solutions provides a broad array of services and solutions that can be tailored to meet your company’s requirements and help you manage the records critical to your business. Accelerate your digital transformation by capturing, classifying, indexing, enriching and visualizing your loan data regardless of format – physical or digital. Replicate your file room in a secure, offsite environment in order to manage your vast number of documents and records. Digitize your paper-based information and allow fast, easy and environmentally friendly retrieval of files. Evaluate your current processes and transform your workplace to better manage loan records and information.


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2,500 financial services institutions use Iron Mountain’s solutions and services


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Each of the Top 10 Loan Originators use Iron Mountain’s solutions and services


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23 of the 29 GSE sanctioned custodians work with Iron Mountain


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Iron Mountain has over 65 years of experience in servicing the needs of financial services customers

services we provide

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Information Management

Manage your information throughout its lifecycle and keep up-to-date with evolving industry regulations
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Digital Transformation

Transform to an agile and digitally mature environment that addresses your changing business needs

Secure Storage

Protect and preserve what matters most.
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Secure Shredding

Protect your brand reputation and reduce risk.
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Data Restoration And Migration

Keep your data protected in the right format, in the right place.

Contact Iron Mountain

Our Customer Support section can help provide you with the quickest answers to your questions, or feel free to contact us at your convenience
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Contact Iron Mountain

Our Customer Support section can help provide you with the quickest answers to your questions, or feel free to contact us at your convenience