RolesThird Party Review

Residential mortgage diligence built for speed, accuracy, and complexity

AI-powered review and U.S.-based underwriters handle complex guidelines, scale with volume, and return exceptions ready to clear.

HOW IT WORKS

Technology handles the data work. Experts handle the judgment.

01

Trusted Foundation

Start every review with a better foundation

02

Graded to Guidelines

Adapt to every guideline

03

Faster resolution

Exceptions come back ready to clear

Move loans faster with TPR capital partners trust

Move loans off your books sooner

Move loans off your books sooner

Fast, accurate TPR helps move loans toward sale or securitization faster.

Get the review right the first time

Get the review right the first time

Grade every loan to the right seller guidelines and investor overlays to reduce rework and avoid delays.

Clear exceptions before they slow the deal

Clear exceptions before they slow the deal

Get each finding with the context and resolution path needed to resolve issues quickly.

Fund with confidence in every grade

Apply your credit policy consistently

Apply your credit policy consistently

Grade each loan to your guidelines and investor overlays across originators and transactions.

Scale review when volume spikes

Scale review when volume spikes

Handle unexpected loan volume and tight securitization timelines without sacrificing review quality.

Stand behind every grade

Stand behind every grade

Consistent, source-traceable reviews give investors and rating agencies confidence in the work behind each grade.

Impacts

Setpoint Third-Party Review by the numbers

50+

years of underwriting experience

$33B

in loans reviewed in the last 12 months

30%

faster SLA than industry standard

Rating agency approved asset classes:

Non-QMPrime JumboAgencyAgency InvestorDSCRHEA / HEIRTLSFRClosed End 2ndsHELOCReverse MortgageNPL / RPL (Regulatory Compliance, Tax and Title, Payment History and Servicing Comments)

Third-party review they'll use on every deal

“We will be using Setpoint's third-party services for every new securitization.”

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FAQ

Need answers?

Setpoint provides rated third-party review for residential mortgage loans, combining purpose-built technology with US-based underwriters to review loan data and documentation against defined guidelines, investor overlays, and rating-agency standards. Technology handles document intake, classification, and data validation, while expert underwriters review findings and make final grading decisions.

Third-Party Review covers the full range of residential mortgage products: Non-QM, Prime Jumbo, Agency, Agency Investor, DSCR, HEA/HEI, RTL, SFR, Closed End 2nds, HELOC, Reverse Mortgage, and NPL/RPL. Each review can include credit and guideline review, regulatory compliance testing, property valuation review, data-tape comparison, and condition clearing.

AI handles the heavy lifting like matching loans to their documents, classifying every file, and validating data against the tape, with a confidence level and rationale attached to each action. US-based expert underwriters keep full control to accept, modify, or override any finding, and grade to rating-agency standards.

Most reviews return on a 24 to 48 hour SLA, roughly 30% faster than the industry standard, with bulk and daily delivery options to match how you acquire. The faster SLA comes from automating document intake and validation – not from reducing the scope or rigor of the review.

Yes. Setpoint's third-party review is approved by Morningstar DBRS, KBRA, Fitch Ratings, and S&P Global, and grading follows rating-agency standards. In the last 12 months Setpoint supported 13 rated and 50+ unrated securitizations.

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