Designing an Advanced Quality Assurance Framework to Ensure Accuracy, Regulatory Compliance, and Operational Reliability across End-to-End Mortgage Origination and Underwriting Platforms
DOI:
https://doi.org/10.15662/IJEETR.2021.0306008Keywords:
mortgage origination systems, mortgage underwriting platforms, quality assurance framework, regulatory compliance assurance, financial software quality, risk based testing, data integrity validation, audit traceability, compliance automation, operational reliability, mortgage lifecycle management, enterprise QA architecture, process validation controls, governance driven QA, defect prevention strategies, regulatory technology integration, financial systems assurance, workflow reliability analysis, compliance risk mitigation, compliance risk mitigationscalable QA modelsAbstract
Mortgage origination and underwriting platforms operate within highly regulated, data intensive environments where accuracy, compliance assurance, and operational reliability are critical to institutional credibility and financial stability. This study addresses the persistent limitations of conventional quality assurance practices that remain fragmented, reactive, and insufficiently aligned with the end to end mortgage lifecycle. The primary objective is to design and evaluate an advanced quality assurance framework capable of systematically integrating data integrity controls, regulatory rule consistency, workflow reliability, and audit traceability across mortgage technology platforms. The research adopts a mixed methodological approach that combines conceptual modeling, analytical evaluation, and scenario based assessment grounded in documented industry practices and peer reviewed system behavior studies. The findings demonstrate that integrated quality assurance architectures significantly reduce defect propagation, enhance regulatory stability, and improve operational resilience when compared with traditional testing centric models. The proposed framework introduces a structured layering of quality controls that enables continuous monitoring, proactive risk identification, and transparent compliance validation. From an academic perspective, the study contributes a domain specific synthesis that bridges software quality engineering and financial systems governance. From an industry standpoint, the framework offers a practical reference model for organizations seeking to strengthen quality governance while supporting scalability and regulatory adaptability. The study concludes that quality assurance must be repositioned as a strategic architectural capability rather than an isolated control function, with implications for future research on intelligent automation, governance integration, and resilient financial system design.
