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Solutions

Home Loan Solutions

Our home loan services support your need to stay on top of all aspects of your home loan programs without having to add to staff or incur expenses for specialized computer systems and expanded office space.

We understand that Asset and Liability needs can change frequently and we will accommodate you as you need to change your mortgage program initiatives.

You will have a customized Toll Free number, at no cost to you or your members, identified as your credit union’s home loan department; this maintains the transparency of our services.

We provide you with a No Cost on-line home loan application and resources customized to match the look and feel of your credit union’s web site.

With Symbionce, you will have an unparalleled level of independent on-line access so you can maintain complete control and autonomy over all of your home loans.

Our secure Real Time Loan Status system is available to you and your members 24/7.

If you wish, you can view on line every aspect of your individual home loans from application through processing, underwriting, closing and life of loan servicing.

You always have the option of storing your home loan files at your office or at ours.

We have the experience, expertise, and technology to serve your members as effectively as you do.

Ask us about our innovative “Pay-As-You-Go” mortgage program! We help your members save time AND money when they need a mortgage.

We perform and submit on your behalf all governmental reporting including but not limited to HMDA ~ at no extra charge!

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Mortgage Originations
Symbionce Financial Solutions, LLC has a diverse variety of home lending products that will fit each of your members borrowing needs. As important as that is, we always keep in mind your credit union’s needs as well. If you would like, we will work with you to build a home loan program that meets your Asset and Liability needs and goals as well as the needs of your members.

We work with you to build a real estate lending platform that provides you with the security and confidence you need in today’s volatile economic environment.

We offer traditional Fixed Rate Mortgages with terms that range from 10 to 30 years as well as Adjustable Rate Mortgage (ARM) solutions to serve members seeking a lower rate and payment for a specific time period. We offer only standard secondary market ARM loan programs with no unpleasant surprises down the road!

Your credit union always has the option of holding loans in portfolio or having us sell them on the secondary market; you can even do a combination of both holding and selling your mortgage loans.

No matter which loan solution your member elects, one thing will remain constant and that is all of our services will be conducted with superior level of professionalism and care in your credit union’s name for the life of each loan!

Home Equity Originations

  • Our home equity loan services support your need to stay on top of all aspects of your home loan programs without having to add to staff or incur expenses for specialized computer systems and expanded office space.
  • We will build or expand your current home equity loan program to reach all of your members – NATIONWIDE!
  • We will support your current programs, help you add to your current menu of home equity loan options or build a program with you from scratch!
  • HELOCs as well as Fixed Home Equity Loan programs.
  • COMING SOON: HELOC Credit Card Access!!

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Mortgage & Home Equity Loan Servicing

  • All home loans will be serviced in the credit union’s name for the life of the loan regardless if you hold the loan in your portfolio or have us sell the loan.
  • You will have direct on-line access to all of your member’s loans and related reporting at all times!
  • Your loan servicing reports can be customized to your own specifications.

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Compliance Solutions
We understand that cost drives the decision for financial institutions to perform quality control and compliance reviews.

The consequences of compliance violations can be very expensive. History shows that State and Federal regulators have imposed fines of six figures and up on some institutions and board for regulatory violations. Such a penalty can offset 6 months or more of profits.

Now more than ever we need to be proactive to survive within the ever changing regulatory environment in which we operate.

Symbionce Financial Solutions, LLC has the cost effective solution! We have designed cost effective solutions to the required compliance audits, including, but not limited to:

  • BSA/OFAC/CIP Audits
  • ACH Program reviews
  • ATM PIN Security Audits

In today’s economy there are increasing demands being placed on you, your staff, and your compliance program. The Symbionce staff has walked in your shoes and has hands on experience and expertise to address your compliance requirements allowing you to then focus on managing the needs of your members.

The following is an overview of some of additional compliance solutions we can help you with.

Please give us a call. We’ll be happy to work with you to build a program that best suits your budget and needs!

BSA / AML Compliance Program Compliance Training Compliance Risk Assessment Compliance Review Tailored Programs
Review policies and procedures Evaluate the program’s scheduling plan Ascertain program enhances regulatory standards Rreview policies and proceedures per specific function or product Assist with developing enterprise wide policy and proceedures
Evaluate BSA training program Ascertain the range of the training program Evaluate breadth of risk assessment Identify and classify internal controls Administer risk assessment program
Assess monitoring and reporting plans Determine enterprise-wide participation Appraise change control process Evaluate exception reporting changes Conduct specific annual mandatory audits
Confirm enterprise-wide program participation Assess program materials per function against regulations Determine which products, services, and resource are included in risk assessment Verify communication surround “changes” enterprise-wide Develop and implement internal audit programs
Review OFAC policy and procedures Appraise programs value to individuals and functional Examine enterprise-wide monitoring and testing of programs Ascertain the quality of the monitory functions Manage compliance and/or internal audit programs
Analyze OFAC monitoring, exception and reporting processes Validate current developments / changes incorporated into the program timely Evaluate Board & Management Team responsibilities relating to risk program Evaluate the record retention plan to institution’s policy and regulatory requirements Customize training specific areas: Deposits, BSA/AML, Loans , etc

Compliance issues are the responsibility of each employee of your credit union but the tasks are owned by only a few. These owners usually wear a variety of hats and time is a precious commodity. As the compliance puzzle continues to incorporate additional pieces and complexity, let the experienced professionals from Symbionce Financial Solutions, LLC help you connect the pieces of the compliance puzzle.

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Internal Audit Solutions

We have three standard components of our Internal Audit programs. We will:

- Review existing policies, procedures and processes

- Provide written reports detailing findings and deficiencies with recommended solutions

- Present you with an action plan including prioritized tasks to utilize to obtain an effective solution, which Symbionce Financial Solutions can assist in implementing.

The Internal Audit Program will be specifically designed to fit the needs of your Supervisory Committee. This can range from a full rotating schedule of reviews or completing one individual task. Our list of internal audit programs is extensive and entirely customizable. We are sure you will find Symbionce Financial Solutions, LLC to be the answer to your internal audit requirements.

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Regulatory Assistance

Be proactive and have us help you before your next NCUA Exam. We will address specific regulatory requirements, such as BSA Compliance and training, ACH Reviews, Third-Party Vendor relationships, etc -- just to name a few and help you determine what areas , if any, you need assistance with.

If your credit union’s recent NCUA Exam or Audit sites compliance deficiencies we can help as well!

In our initial review we will obtain specific information and data from your exam or audit to determine gaps affecting the credit union’s performance in a particular applications, departments, or functions. The analysis identifies potential obstacles and limitations that impact the credit union’s strategic plans, regulatory compliance, and organizational demands. Our mutual goal will be to repair any deficiencies and avoid further regulatory actions.

With our help, we can get you back on track quickly and correctly. Don’t hesitate; call us today for a quick, confidential review of your situation.


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When credit unions consider and utilize CUSO solutions, they keep credit union money in the credit union family, for the benefit of their members and all concerned. Don’t confuse a CUSO with a Vendor. CUSOs are credit union industry professionals serving credit unions.