Non-QM Mortgage Lender · TPO & Retail Channels
Logan Finance is building a scalable Non-QM underwriting operation. The central challenge — inconsistent, manual condition management across TPO and retail channels — is precisely the kind of problem MWP was built to solve. This presentation documents our approach, our relevant track record, and exactly what we'd do for your team.
Logan Finance's stated engagement requirements mapped to MWP's existing practice capabilities.
| Engagement Requirement | MWP's Response | Fit |
|---|---|---|
| Encompass configuration and Enhanced Conditions buildout | Core MWP competency — we've built condition frameworks for Encompass lenders across conventional, FHA, VA, jumbo, and Non-QM product lines. | Direct |
| Non-QM product coverage (DSCR, bank statement, asset depletion) | All three are active areas of practice. We have pre-built condition frameworks for each that we adapt and configure — not build from scratch. | Direct |
| TPO channel workflow design and broker-facing visibility | TPO condition routing, broker self-serve correction, and LoganConnect integration are specifically in scope for this engagement. | Direct |
| AURA / AUS output integration with condition triggers | We design AURA-to-condition mappings as part of the standard engagement model. This is how we eliminate the 'AURA output sits unused' problem Logan Finance currently experiences. | Direct |
| Channel-aware condition logic (TPO vs. Retail divergence) | Specifically designed into this proposal. Channel field drives separate rule branches — DSCR thresholds, broker comp disclosures, and reserve requirements all differ by channel in the MWP model. | Direct |
| Scalable model that doesn't require constant UW retraining | Rules-in-the-system is the MWP design principle. When conditions live in Encompass, new UWs onboard faster and changes don't require team-wide retraining. | Direct |
Six reasons lenders in Logan Finance's position choose MWP over general Encompass consultants or internal buildouts.
MWP's entire practice is built inside Encompass. We don't come from a general consulting background and adapt — we live in Enhanced Conditions, business rules, milestone logic, and eFolder architecture every day. We know what Encompass can and can't do before the kickoff call.
Most Encompass consultants handle vanilla conventional workflow. We've built condition frameworks for DSCR investor, bank statement, asset depletion, and IO products across TPO, delegated, and retail channels. Logan Finance's product mix is familiar territory — not a learning exercise for us.
Anyone can click through Encompass settings. MWP designs the decision logic, ownership rules, exception routing, and SLA framework first — then configures it. Clients don't get a system that technically works; they get one their team can actually run.
Logan Finance's TPO volume means broker experience is a competitive lever. We design condition workflows with the broker journey in mind — real-time visibility, self-serve correction, fewer stip rounds. Faster approvals are a byproduct of a better broker experience.
When conditions are standardized and rule-driven, your audit trail is automatic. We've helped lenders prepare for investor reviews and regulatory examinations by ensuring condition logic is documented in the system — not in an underwriter's institutional memory.
We don't disappear after the configuration is deployed. MWP's engagement model includes structured reviews, performance monitoring, and continuous rule refinement as Logan Finance's product mix and volume evolve.
Each phase maps directly to a Project → Workstreams → Tasks structure inside WorkflowCoach™ — so Logan Finance can see the work, own the work, and track the work in real time.
🎯 Understand exactly how Logan conditions loans today and where it breaks.
The tabs below walk through the exact workflow transformation — current state pain points, the future state automation model, the DSCR scenario walk-through, and the decision framework MWP would configure in Encompass.