The Cloudvirga Digital Mortgage Platform uniquely combines a world-class borrower experience with an automated lender workflow that radically cuts overall loan costs , increases transparency and reduces the time to close a loan .

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cybersecurity . These technological advancements have allowed Envoy to adapt for the future .

“ Culturally the mortgage industry has a history of being very slow to make changes . This was partially driven by the financial crash as new regulations came into place and took precedent to ensure compliance with federal , state and local governments . After the Financial Crisis , the Consumer Financial Protection Bureau ( CFPB ) really stepped up and added new regulations and increased enforcement . However , in the last couple of years these regulations have loosened and were replaced by increased scrutiny from state regulators ,” says Dan Mulberry , Envoy ’ s chief operation officer .

Envoy Mortgage currently operates in 49 states across the United States , resulting in strict mortgage requirements from each of those states . Therefore , it is imperative that Envoy remains at the forefront of evolving technology in order to diminish the ongoing challenge of catering to multiple complex regulations .

“ Over the years , when businesses

NOVEMBER 2019