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Mortgage & Compliance as-a-Service (MCaaS)

A truly end-to-end fulfillment capability changing the conversation on mortgage business process outsourcing: Better. Faster. Compliant.


Mortgage banking is a traditional business in need of new, non-traditional approaches that leave lenders free to pursue the two most important outcomes in every mortgage transaction. The first outcome is customer delight. Less than 50 percent of today’s borrowers were satisfied with their most recent lending experience. Second is profitability. Mortgage lenders today are rewarded with persistent, stagnant results. The cost-to-close is stuck at an all-time high; profitability has been low and flat over the past five years.

Accenture’s Mortgage and Compliance as a Service (McaaS) offering is the non-traditional, transformational approach the mortgage industry needs now. Recognizing the need for truly comprehensive loan fulfillment capability, Accenture developed a leading, industry-differentiating offering that is elevating the conversation around mortgage business process outsourcing.

McaaS simplifies the outsourcing model for lenders by providing a prescribed, end-to-end, product-rich mortgage manufacturing solution coupled with the industry’s only warranty for compliance and investor risk. Most importantly, McaaS frees lenders to focus on exceeding customer expectations while enjoying consistent profitability.



Accenture's MCaaS offering provides lenders with a premium service that joins with their compliance infrastructure to produce loans which stand up to regulatory scrutiny and investor guidelines, while delivering superior customer satisfaction.

By moving to a MCaaS model, mortgage and home equity lenders reduce overall cycle times, scale volume in a predictable manner, improve regulatory compliance and reduce the potential for repurchase risk, all at an agreed cost.

MCaaS also reduces the need for lenders to continually upgrade their legacy mortgage technology and processes to be compliant with the latest investor and regulatory requirements.

Key Solution Components:

  • End-to-end fulfillment process (no compartmentalized review)

  • Robust, standardized, managed product set

  • Comprehensive, transparent and customizable borrower/lender web portals with status and workflow

  • Executed on a single technology platform coupled with robust operational, regulatory and investor controls and workflow.

MCaaS is the industry's first solution that provides a robust warranty framework for regulatory compliance, vendor and investor guidelines management, as well as data integrity, thereby addressing the most significant concerns of today's lenders.

Everest Group

Everest Group Named Accenture a Mortgage BPO Leader.


HfS Research

HfS Research recently named Accenture the Leader in their Mortgage as-a-Service Blueprint—positioning us as a visionary with industry-leading assets.



The pressure is on lenders to explore more creative process design in order to remain competitive. By allowing Accenture to manage the back end of the process, clients have the ability to focus on borrower relationships and growing market share.

Additional benefits include:

Industrialized, predictable loan origination process

Enhanced originator experience

Revenue growth

Increased borrower satisfaction

Improved cycle times

Comprehensive data aggregation