Bank on Us for Digital Mortgage Origination and Management
Accelerate high-value mortgage approvals with automated document verification, centralized compliance checks, and flexible product structuring.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Streamlined End-to-End Mortgage Workflow
Our platform automates the document-intensive, multi-stage mortgage process, significantly reducing origination costs and time-to-close through integration with valuation and title services.
Automated Document Verification
Use intelligent document processing (IDP) to instantly verify borrower documents, pay stubs, and financial statements, drastically cutting manual review time.
Centralized Product Structuring
Configure complex mortgage products (ARMs, fixed-rate, balloon payments) with precise control over interest rates and amortization schedules.
Seamless Third-Party Integration
Connect directly to property valuation services, title companies, and credit bureaus to automate data gathering during the application phase.
Long-Term Regulatory Adherence and Data Integrity
Manage the extended regulatory lifecycle of a mortgage with built-in disclosure automation, comprehensive fair lending controls, and tamper-proof data archiving.
Automated Disclosure Generation
Generate and track all necessary federal and state disclosures (e.g., Loan Estimate, Closing Disclosure) automatically based on product changes.
Fair Lending Monitoring
Continuously monitor loan application data for potential discriminatory patterns to ensure adherence to fair lending laws.
Tamper-Proof Data Archiving
Securely archive mortgage files for decades, ensuring regulatory compliance with long-term data retention requirements.
Advanced Servicing and Portfolio Risk Management
Handle complex servicing events, including escrow management, adjustable rate changes, and loss mitigation, while monitoring portfolio health in real time.
Automated Escrow and Tax Management
Automate the calculation, collection, and disbursement of escrow funds for taxes and insurance, ensuring compliance and preventing service errors.
Portfolio Risk and Analytics
Gain a real-time overview of portfolio health, tracking key metrics like delinquency rates, prepayment speeds, and geographical risk concentration.
Mid-Term Adjustment Engine
Efficiently process mid-term loan modifications such as refinances, loan assumptions, and adjustable rate adjustments while maintaining perfect ledger integrity.