# How Service First Mortgage uses Ocrolus

**19 days** Average time from application to clear to close

As published on [ocrolus.com](https://www.ocrolus.com/customer-stories/service-first-mortgage/), October 2026. Captured by usedby on 2026-10-30.

- Company: [Service First Mortgage](https://www.usedby.ai/companies/service-first-mortgage.md)
- Tool: [Ocrolus](https://www.usedby.ai/tools/ocrolus.md)
- Teams: Loan officers, Processors, Underwriters, Loan officer assistants, Operations

## The use case: how Service First Mortgage deploys Ocrolus

Service First Mortgage uses Ocrolus to calculate borrower income with traceable source documents and to flag mismatches between income documents and the loan application, working inside its MeridianLink loan origination system. Loan officers, processors and underwriters rely on it at application so income issues surface earlier.

Summary written by usedby from the source page, in English. The figures are those of Ocrolus and Service First Mortgage, not ours.

> "We're now down to averaging 19 days from application to clear to close," Hoyle said, against a prior average closer to 22. "We used to consider anything less than 21 days a rush."

- **40%**: “As much as 40% of files became same-day underwrites”
- **24 to 48 hour**: “Same-day initial credit decisions guaranteed on qualifying files, against a prior 24 to 48 hour standard”

> Having a partner like Ocrolus that we trust, we're down to averaging 19 days from application to clear to close. We used to consider anything less than 21 days a rush.
>
> Dee Hoyle, Executive Director of Operations at Service First Mortgage

Source: [ocrolus.com](https://www.ocrolus.com/customer-stories/service-first-mortgage/), captured 2026-10-30.

## Other companies using Ocrolus

- [American Federal Mortgage](https://www.usedby.ai/companies/american-federal-mortgage.md) — Confirmed
- [Argyle](https://www.usedby.ai/companies/argyle.md) — Confirmed
- [Banclease Acceptance](https://www.usedby.ai/companies/banclease-acceptance.md) — Confirmed
- [Beacon Funding](https://www.usedby.ai/companies/beacon-funding.md) — Confirmed
- [Eagle Community Credit Union](https://www.usedby.ai/companies/eagle-community-credit-union.md) — Confirmed
- [Expansion Capital Group](https://www.usedby.ai/companies/expansion-capital-group.md) — Confirmed

## What usedby checked

We compared the story with its live page on 2026-10-30.

- Checked: the figure 19 days is on the page; its label is our wording.
- Checked: the passage quoted above is copied word for word from the page, near the name of Service First Mortgage.
- Checked: the publication date is read from the page’s own metadata, never guessed.
- Checked: Service First Mortgage uses Ocrolus. Confirmed line. Latest check across sources: 2026-10-30.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/service-first-mortgage-ocrolus · How we check: https://www.usedby.ai/methodology