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Midwest Loan Services: Mortgage Subservicing Services

Midwest Loan Services provides private-label mortgage subservicing to community banks throughout the United States. Founded in 1992, the company offers a unique customer service approach and industry-leading technologies that help banks retain borrowers, reduce costs and ensure regulatory and operational compliance.

ABA members benefit from special member advantaged pricing.

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Subservicing involves so much more than just taking mortgage payments. Midwest is truly the technology leader in residential mortgage subservicing with a complete suite of services to meet all the needs of banks and their residential loan borrowers:

  • Collection and loss mitigation with full GSE and CFPB compliance
  • Private-label residential mortgage subservicing with 24/7 access
  • Online oversight tools to enhance regulatory and procedural compliance
  • Compliance reporting
  • Escrow management
  • Monthly billing
  • Call center operations
  • Integration with Internet and traditional origination systems
  • Fulfillment (underwriting, processing, documents, closing, funding)
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Midwest is based in Houghton, Michigan and is a subsidiary of Ann Arbor-based University Bank®. Founded in 1890, University Bank is proud to have been selected as the "Community Bankers of the Year" by the American Banker and is a wholly owned subsidiary of University Bancorp, Inc., which is listed on the OTCQB Stock Exchange under the symbol UNIB.

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ABA Member Benefits
  • ABA negotiated competitive pricing and industry expertise offer an alternative to servicing in house.
  • Reduce regulatory compliance risk and potential financial penalties.
  • Online oversight tools simplify your compliance with regulatory and CFPB requirements – at no additional cost.
  • Seamless service experience for the borrower including custom branded phone- and Web-based technologies, utilizing Midwest's state-of-the-art platform.
  • Realize the efficiencies made available by process customization and technology integration with your bank’s systems.
  • Promote high levels of customer loyalty and distinguish your bank from competitors with Midwest’s personable, convenient service.
  • Innovative technologies that even the largest subservicing providers do not offer.
  • Gain cost efficiencies that are significantly lower than the cost of servicing residential mortgages in house.
  • Ensure 24-hour access to borrower data, records, files, conversations and written communication.
  • A program that fits the way you work, rather than requiring your model to fit our process.
  • Have complete confidence in the fact that Midwest will never cross-sell your customers.






ABA Contact

Midwest Loan Services Contact


 Due Diligence Report


Due diligence reports  are currently available on select solutions and for bank members only.
Get Report.

 Learn About Endorsed Solutions


In a rapidly changing landscape, banks turn to the proven expertise of ABA Endorsed Solutions for the most advanced technologies and products to grow their business, cut costs, and transform the customer experience.

Questions? Please contact Jerry Sebold for more information.