Origination & Pricing for Mortgage Lending

Acquire the most profitable mortgage customers with an origination experience that exceeds their expectations.

Automate successful point-of-sale practices by combining complex offer structuring with product and pricing policies to generate salable loan packages tailored to an individual.

Enable a rapid time to market for business users with the ability to author all business policies from pre-qualification through full underwrite in a controlled environment.

Empower loan consultants with detailed information on benefits of available offers as well as precise reasons for ineligibility (i.e., near-misses).

Ensure compliance with constantly shifting regulatory requirements, with minimal vendor or IT intervention.

Flexible Origination Framework enables lenders to:

• Seamlessly weave automated decisioning and optimized pricing together to deliver maximum profitability and satisfying experiences for the borrowers.
• Augment existing loan origination systems with modular decisioning and analytic capabilities that improve performance without a significant up-front investment.

Centralized Mortgage Intelligence Hub empowers organizations to:

• Continually make the most profitable pricing, eligibility and credit decisions while adhering to risk and regulatory constraints.
• Inform all downstream marketing, servicing and collections decisions with actionable, customer-level insights.
• Consistently communicate with customers across all front-end channels by integrating all back-end systems.

Robust Decision Management Tools give business users:

• The control to directly set, monitor and adjust all decision criteria and credit policy without requiring intervention from vendors or IT.
• The flexibility to continually adapt to market changes and optimize lending strategies to drive improved performance.
• The power to define and manage complex decision logic — compliant with industry standards such as MISMO — using simple, easy-to-understand business terms.