MortgageOps · Home Lending Portfolio Control Tower
Portfolio-level execution visibility for Home Lending
A single operational view for executives and TPMs to track delivery health, surface risk early, and intervene before SLAs or customer experience are impacted.
Programs in Portfolio
4
SLA Breaches
3
High-Risk Programs
1
Estimated SLA Penalty Exposure
$4.2M
Driven by appraisal and title delays in high-volume programs.
Customer Attrition Risk
Medium–High
Concentrated in Jumbo and Government loan segments.
Operational Rework Cost
$1.1M / quarter
Document defects and downstream corrections.
| Program | Stage | SLA | Current Age | Risk | Bottleneck | Owner |
|---|---|---|---|---|---|---|
| Retail Purchase Loans | Underwriting | 15d | 18d | High | Appraisal backlog | Underwriting Ops |
| Refinance Pipeline | Origination | 10d | 7d | Low | None | Retail Lending |
| Jumbo Loans | Closing | 8d | 9d | Medium | Title vendor delays | Closing Ops |
| Government Loans (FHA/VA) | Funding | 5d | 6d | Medium | Document defects | Funding Ops |
Program Dependencies (Simplified)
Portfolio risk often emerges at dependency boundaries — vendors, shared services, and downstream teams. This view highlights where multiple programs rely on the same constraint.
Appraisal Vendors
High- • Retail Purchase Loans
- • Jumbo Loans
Title & Closing Vendors
Medium- • Jumbo Loans
- • Government Loans
Funding Ops Capacity
Medium- • Government Loans
Portfolio Interventions (Suggested)
- • Rebalance appraisal vendors to relieve underwriting backlog.
- • Escalate title SLAs for Jumbo loans approaching breach.
- • Preemptively staff funding ops to reduce defect rework.