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Promontory Fulfillment Services: Residential Mortgage Loan Fulfillment

Promontory Fulfillment Services (PFS) provides comprehensive mortgage fulfillment services to banks and other mortgage lenders throughout the United States. These services include mortgage call center (with loan officer staffing), loan set-up, processing, underwriting, closing, post-closing and capital markets functions. PFS also integrates an award-winning point-of-sale solution that enables banks to provide an enhanced digital experience to their customers.

ABA Member Discounts:

  • ABA members receive a 10% discount on loan fulfillment fees.
  • Implementation fees are waived for ABA members.




Promontory Fulfillment Services (PFS) enables ABA banks to offer mortgages in a profitable, efficient, and customer-focused way. With access to a comprehensive set of mortgage origination and operations solutions, the bank determines its own product and loan pricing strategies. 

PFS’ solutions incorporate the following features:

  • Performs loan processing services for a full range of mortgage products—including conventional, jumbo, non-agency and HELOCs
  • Underwrites loans using client-provided business rules for products, pricing, policies, workflow and third-party integrations
  • Supports all distribution channels: correspondent, wholesale and retail
  • Processes and closes loans in the bank’s name
  • Performs compliance loan reviews incorporating all current federal and state specific regulations throughout the process and through post-closing
  • Delivers closed loans to the client or investor
  • Provides whole loan sales execution to agencies and investors if required by client
  • Keeps the client informed with timely, insightful and customizable reports for pipeline management
  • Includes an advanced point-of-sale (POS) platform, known as the Borrower Wallet™, that provides competitive, mobile-first, digital customer experience

All customer contact is done in the bank’s name. All loan underwriting, processing and closing services are done at the company’s fulfillment center in Danbury, Conn.

Learn more about what Promontory Fulfillment Services can do for you




Promontory Fulfillment Services is a part of Promontory MortgagePath, a company founded by Gene Ludwig and Bruce Witherell, the former U.S. Comptroller of the Currency and chief operating officer of Freddie Mac, respectively. Promontory MortgagePath is also the parent of PromonTech, a technology company, led by seasoned banking and mortgage executives.  Promontory Mortgage Path was the winner of the 2018 HW Tech100™ award and the 2018 Progress in Lending Innovations award.

See more about Promontory Fulfillment Services




The PFS solution addresses many of the factors that make mortgage lending a challenging, costly, and high-risk business for community banks, including market cyclicality, productivity, compliance and technology.

It enables banks to:

  • Continue to offer a core, relationship building product
  • Shift their loan manufacturing costs from fixed to variable basis
  • Offer a competitive, digital customer experience—without investing in expensive technology
  • Level the playing field with FinTech and Digital lenders promising super quick, super easy loan decisions






​ABA Contact

Promontory Fulfillment Services


 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 Deborah Whiteside at (202) 663-5580.