Residential Lending

With over 17 years of experience, we have a reputation and proven track record as a pioneer and innovator in the mortgage banking industry.

Our Document Management and Delivery System (DMDS) simplifies and automates processes throughout every step of the mortgage lending lifecycle, resulting in increased operational efficiency and enterprise wide cost savings.

The Loan Process


Mortgage lenders strive to maintain competitive advantage and increase market share by making loan submission easier at the point of sale for retail loan officers, third party originators and borrowers. VirPack's Document Management and Delivery System significantly reduces the cycle time from origination to closing and, as a result, increases production and operational efficiencies, grows realtor and builder relationships and referrals, boosts customer satisfaction and attracts and retains talented, reputable originators. With VirPack, lenders gain an innovative partner solely focused on building and delivering the tools needed to keep up with the fast-paced and ever evolving industry.


Whether wholesale or retail, centralized or decentralized, DMDS works with and for you to streamline processing. A rules engine routes new loan submissions into separate queues based on the origination source, then notifies users/teams when a new loan is submitted. And, rules can be created for each origination source.

DMDS enables multiple users to review and collaborate on documents simultaneously and complete tasks, including but not limited to loan setup, LE review and initial loan scrub, simultaneously resulting in a 50% reduction in processing time, according to clients.


DMDS simplifies document review, collaboration and condition management throughout the underwriting process. An underwriter is tasked a loan, and when opened, the documents are presented in a customized view so documents needed to underwrite the file are quickly located. A loan checklist is automatically generated based on the loan’s characteristics, e.g. type, purpose, self-employed borrower, and a version management feature allows for underwriters to manage documents and conditions.

Post-Closing and Delivery

Effective and reliable, delivery through DMDS reduces the time it takes to submit files to investors by as much as 50%. Our investor partners state VirPack deliveries are received the fastest, with immediate on-boarding and the highest indexing accuracy rates of any other delivery method. In a market that continues to have daily volatility, lenders can count on VirPack to support even the most detailed structured content via a one-click delivery solution.

Lending Channels