Third-party processing services

Elite processing for high-volume originators.

Your time is best spent originating, not chasing conditions. Christine Tapia's independent third-party processing (Everyone's Processing Company, NMLS 2030003) takes complex files completely off your desk. From deep-leverage DSCRs and complex corporate entities to rapid-turn conventional files, we build bulletproof packages and navigate directly with underwriters — anticipating roadblocks, managing the daily friction of the pipeline, and coordinating seamlessly with title and escrow to deliver a rapid clear-to-close.

You scale the front end. We execute the back end.

Is this a fit?

A few things we ask every broker before onboarding.

Production & deal flow

  • Average monthly closing volume
  • Core deal mix (Conventional, DSCR, Fix & Flip, Commercial)
  • Top 2–3 lenders you send most business to

File readiness & hand-off

  • Complete 1003 + upfront doc stack before hand-off?
  • Full executed contract package on Day 1 for purchases?
  • Should we work conditions directly with your client, or route through you?

Workflow & systems

  • Your LOS/portal, and can we get direct processor credentials?
  • Preferred update channel — LOS/CRM, email, Slack/Teams, or phone?
Tell us about your pipeline
Per-file pricing

Transparent pricing. Any lender.

Pricing is subject to deal complexity — average pricing structures are detailed below.

Standard Fee
$995 / file

Eligible loan types

  • Conventional
  • Jumbo
  • FHA
  • VA
  • Hard Money
Availability: for any lender
Other Products
$650 / file

Eligible loan types

  • IRRRL
  • Streamline
  • Standard seconds
Availability: for any lender
Customizations & add-ons
Resubmissions
$100
Manual underwriting (UW)
$150
Rush file — 20 days or less
$200
Registration services
Custom quote
Submit a file for processing Get a quote

Fees shown are average per-file pricing structures; final pricing is subject to deal complexity. Processing services provided by Everyone's Loan Company DBA Everyone's Processing Company (NMLS 2030003), an independent third-party processor.

Why brokers choose EPC

Files are won in execution.

A top-producing senior processor specializing in unconventional financing, investor portfolios, and complex corporate entities — 5.0 stars across 317 broker reviews (since September 2025), with 62 files and $20.6M funded in June alone.

Bulletproof Files

Complete, audit-ready file compilation up front — packaged for an immediate, clean approval.

Direct Underwriter Navigation

Conditions anticipated before they're issued, with direct lines to underwriting so files never stall in a queue — a 26-day average turn time in June.

Any Loan, Any Lender

Licensed across 37 states with compliant execution for conventional, government, hard-money, and Non-QM files.

Processing services inquiry

Have a file that needs to move?

Tell us the loan type, lender, and timeline — we'll confirm pricing and get it into the pipeline.

Submit a file for processing Email Christine directly