Retail, TPO, branches, and partners
Genius for independent mortgage banksReplace the mortgage stack.
Explore the platform
Replace the mortgage stack.
Expand margin.
Run origination, operations, capital markets, and servicing on one intelligent platform—and scale production with less overhead.
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ENTERPRISE / OPERATING LAYER
NETWORK imb_2048
{
channels: 5,
loans: "connected",
operations: "agentic",
execution: "optimized",
margin: "visible"
} Every channel on one operating layerLIVE
Your mortgage bank should run
on one intelligent platform.
Replace fragmented vendors and disconnected data with a unified operating system spanning CRM, POS, PPE, LOS, back office, capital markets, and servicing.
From customer acquisition
to retained value.
Application, structure, price, and approve
Process, underwrite, close, and fund
Locks, hedging, sales, and delivery
Servicing, intelligence, and recapture
One operating system.
Every critical function.
Give teams, branches, and channels the same borrower, loan, product, execution, and performance context.
01
CRM + lead management
Manage borrowers, referral partners, recruits, branches, and campaigns in one connected system.
02
Agentic POS
Combine digital application, income and asset verification, document intelligence, structuring, AUS, and upfront approval workflows.
03
Product & pricing engine
Connect product eligibility and pricing across approved investors, products, and origination channels.
04
Loan origination system
Manage the full loan lifecycle on a modern operating layer built around one loan record.
05
AI Loan Officer Assistant
Automate document review, income and asset analysis, credit review, structuring, AUS, and eligible pre-approvals.
06
AI underwriting
Analyze guidelines, documents, conditions, AUS findings, and eligibility to improve speed and consistency.
07
AI processing
Review contracts, manage milestones, order third-party services, collect documents, and follow up on conditions.
08
Closing + funding automation
Support document preparation, final figures, signed packages, funding conditions, post-close, and investor delivery.
09
Capital markets
Connect pricing, lock management, hedging, investor execution, loan sales, delivery, and reporting.
10
Servicing infrastructure
Retain servicing or connect servicing partners while preserving customer data and retention workflows.
11
Retail + TPO support
Operate retail, wholesale, correspondent, branch, and other approved channels from shared infrastructure.
12
Branch + LO economics
Configure margins, compensation, overrides, branches, divisions, and recruiting economics.
13
Enterprise reporting
See margins, pull-through, production, profitability, cycle times, and operating performance in real time.
14
Workflow automation
Reduce repetitive touches by advancing work as documents, data, milestones, and loan conditions change.
15
Vendor consolidation
Replace overlapping CRM, POS, LOS, workflow, analytics, and operations tools with a connected platform.
16
Lower cost per loan
Use automation and AI capacity to grow production without increasing headcount at the same rate.
17
Margin optimization
Improve execution visibility while reducing technology expense and routine operational work.
ENTERPRISE CONTROL
Explore security Automation with accountable decisions.
Permissions, channel rules, pricing, compensation, underwriting, compliance controls, and human exception paths remain visible and configurable across the organization.
THE CONNECTED STACKOperate every channel
Operate every channel
from shared infrastructure.
Unify customer growth, loan manufacturing, secondary execution, funding, delivery, servicing, and retention.
01CRM + growth
02POS + PPE + LOS
03AI back office
04Capital markets
05Funding + delivery
06Servicing + retention
The operating system for
the modern mortgage bank.
Originate faster, reduce cost per loan, improve execution, and scale production without scaling overhead at the same rate.
Build with Genius