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  • Services
    1. 37
      Consultancy

      Unlike large consultancy firms that offer broad, generic solutions, Fortrum delivers specialised, hands-on expertise tailored to the mortgage and lending industry.

    2. 20
      Due Diligence

      We conduct in-depth due diligence to assess the quality, integrity, and compliance of financial institutions and their portfolios.

    3. 33
      Academy & Research

      We practice what we preach: we know what we are really good at and we are really good at what we know. You can take training, tailored to your needs, at Fortrum or on-site at your own office.

    4. 32
      Portfolio Management

      In today’s highly regulated mortgage market, Lenders and Servicers must navigate increasing scrutiny, evolving regulations, and growing demands for transparency.

  • About us
    1. 50
      Our story

      We are at the heart of a dynamic and evolving lending market. We support both domestic and international clients from a foundation of deep, local expertise driven by true understanding of their needs and goals.

    2. 6
      Vacancies

      Looking for your next challenge? Here you’ll find all our current job openings. Explore the opportunities and become part of our team!

  • News
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Make informed decisions

We conduct in-depth due diligence to assess the quality, integrity, and compliance of financial institutions and their portfolios. Our expertise ensures that stakeholders can make informed decisions based on comprehensive, independent assessments.

Certifications

Lender Review

Our Lender Review ensures independent assessment and compliance with regulations and best practices.

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Servicer Review

Our Servicer Review ensures in-depth evaluation and compliance with regulations and best practices.

Loan File Review

Our Re-Underwriting service ensures loan quality assessment and compliance with regulations and best practices.

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Lender Review

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Our Lender Review provides a comprehensive, independent assessment of the Lender, ensuring their governance, policies, procedures, systems, reporting, and staff comply with applicable laws, regulations, and industry best practices.

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Servicer Review

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Our Servicer Review provides an in-depth evaluation of a loan servicer’s operational effectiveness, ensuring that their servicing quality aligns with established policies, regulatory requirements, and industry best practices.

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Loan File Review

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Our Re-Underwriting service provides a detailed assessment of loan origination quality, checking if credit decisions align with the underwriting criteria in place at the time, regulations and industry best practices.

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Smart, secure & efficient loan due diligence

FortApp, Fortrum’s proprietary Due Diligence software, offers a smarter, more efficient way to review and monitor loans—whether for due diligence, portfolio acquisitions, or internal quality control.

Fortrum uses FortApp for its independent loan file reviews, ensuring compliance with underwriting guidelines, regulatory requirements, and industry best practices. But you can also license FortApp to integrate it into your own quality control processes, enhancing risk oversight with a proven, structured, and transparent approach.

Learn more about FortApp
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Data verification & Agreed upon procedures

We conduct rigorous data validation and apply agreed-upon procedures to verify loan-level details, ensuring accuracy, consistency, and compliance with regulatory and investor requirements. Our Agreed Upon Procedures (AUP) service combines deep market and product expertise with purpose-built systems to provide an efficient, independent and systematic verification of key data points within a loan data tape, ensuring its accuracy and reliability for securitisation and regulatory reporting purposes.

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As part of our review, we conduct:

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Tape-to-system verification

We verify that the data in the loan tape (Excel sheet) accurately reflects the information stored in the lender’s or servicer’s systems.

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System-to-documentation validation

We cross-check system and tape data against the original contract documentation to ensure consistency and accuracy.

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Identification of systemic issues

We assess the dataset for potential recurring discrepancies that could indicate underlying issues in data management or operational processes.

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Reliable loan data assurance

By ensuring that the loan data tape is a true representation of the system records, our review provides confidence that the data can be relied upon for:

  • Securitisation transactions – Ensuring that loan-level data is complete, accurate, and compliant with investor and rating agency requirements.
  • Regulatory reporting – Supporting adherence to regulatory frameworks such as ESMA RMBS/ABS reporting standards, helping lenders and servicers meet transparency and compliance obligations.
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Stay up-to-date

All the news
Fortrum press release
Yellowtail Conclusion expands mortgage domain with Fortrum acquisition
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Fortrum Conclusion welcomes Saskia Bijl as Director
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Water-stress
Water stress: a sustainability issue overlooked in the Dutch mortgage market?
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All the news
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Partner with Fortrum

With our deep expertise in risk, compliance, and due diligence, we empower financial institutions to make well-informed, risk-aware decisions. Get in touch today to learn how Fortrum can support your business with trusted, independent insights.

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