Major mortgage lender United Wholesale Mortgage’s (UWM) e-closing technology is now available in 16 states, up from its original four, the company announced Monday.

Notarize, a Boston-based notary tech startup, is providing the technology behind UWM’s e-closing process. And as of today, the two companies are making that process available to borrowers in Alabama, Florida, Indiana, Kansas, Maine, Maryland, Missouri, Nebraska, Nevada, New Hampshire, Ohio and Tennessee–joining Illinois, Montana, Virginia and Washington.

UWM’s and Notarize’s end-to-end online closing technology lets borrowers finish the entire process of getting a mortgage totally online, without having to sign any physical documents. Borrowers pay a $200 closing fee.

The process relies on video calls with a notary, e-signatures, and electronic notarization to complete every step online.

UWM and Notarize’s competitors, the companies said, require at least some in-person signings, notarization or the presence of a title company representative.

“Making virtual e-closing technology available in more states and opening it up to purchase business is a huge deal as even more mortgage brokers and borrowers have access to the easiest, most convenient closing process possible,” United Wholesale Mortgage CEO Mat Ishbia said in a statement. “Virtual e-closing is available in 16 states now and we expect this will be the way all closings are done in the near future.”

During a pilot phase, UWM’s e-closing was only available on refinance loans and through one title company. The first e-closing through this platform was completed in July for borrowers in Chicago. As of today, borrowers across the 16 states can use this option for purchasing and refinancing loans, and can pick from a selection of approved title companies.

The National Association of Realtors has backed Notarize, including with an investment in October. The company’s technology can also be used for business outside of closings.

“Notarize enables real estate professionals to focus on their clients with greater attention and efficiency, providing a superior technology that automates a variety of complex processes,” NAR CEO Bob Goldberg said at the time. “A faster, more secure closing reduces stress and improves the overall experience.”

Email Emma Hinchliffe

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