Bridging the gap
A smarter approach to Mortgage Risk Management
While traditional control frameworks and external audits provide valuable insights, they often fall short in identifying critical current and future risks across the entire mortgage chain. The Mortgage Control Framework (MCF) is a groundbreaking solution designed to bridge this gap. Unlike conventional audits that primarily verify process adherence, our MCF goes deeper—providing clear insights into the accuracy, compliance, and risk resilience of mortgage operations. By identifying potential issues and deviations, we help lenders and servicers proactively address risks before they escalate.

Chain-wide risk oversight
Our MCF assesses both input and output across the entire mortgage process, demonstrating the level of accuracy and compliance at every stage.
Top-down & bottom-up approach
We evaluate risk governance, policies, and compliance while monitoring credit risk at portfolio and loan levels.
Beyond standard audits
Unlike ISAE 3402 and SOC, MCF ensures compliance with laws, regulations, and customer commitments while mitigating hidden risks.
How it works
MCF follows a modular, adaptable structure that fits your organisation’s needs:
- Comprehensive lender review – We assess policies, procedures, and processes of the lender for compliance with regulations and industry best practices.
- Loan file audits & ongoing monitoring – Full re-underwriting of loan files and periodic reassessments ensure continuous compliance and risk detection.
- Implementation & recovery support – We provide expert guidance on improving processes, policies, and systems, helping you mitigate risks before they become costly issues.

Oversight and reconciliation
Investors investing in lending portfolios need to ensure that all processes for the request, payment, collection and distribution of funds and transaction fees between all parties operate effectively and that all amounts and data are reconciled and correctly recorded and reported. At Fortrum we can enhance investors’ administrative efficiency by providing independent oversight and reconciliation services.

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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 MCF can strengthen your risk management strategy.