EN · United StatesMortgage lending software,
from application to keys
Applications, property valuation, underwriting, offers and servicing for home loans, connected to your core system and partners.
Connects to 1,700+ services out of the box
How it works
From application
to the keys
Four steps, one system. Brokers, underwriters and valuers see the same file.
- 01ApplyOnline, in a branch or through a broker.
- 02VerifyKYC, income, bureau and property valuation in one flow.
- 03DecideAffordability, LTV and policy rules decide or route to an underwriter.
- 04Complete & serviceFunds release at completion; schedules and rate resets run on their own.
Working with homebuyers
Tools for
homebuyers and brokers
Buyers, brokers and your team work on one file from pre-approval to the last payment.
Pre-approval and applications
Buyers or brokers start online, upload documents and come back to a saved draft.
Milestone notifications
Valuation, approval, closing and payment dates reach buyers and brokers.
Broker and referral programs
Broker commissions, referral bonuses and promo codes for campaigns.
Homeowner portal
See the schedule and escrow, overpay, take a payment holiday or refinance.
Mortgage documents generated
Offers, loan agreements and closing letters are created and signed.
Decisioning
Underwriting your
risk team can trust
Policy rules, scorecards and AI models in one flow, with a full audit trail for every approval and decline.
- Policies without codeChange rules and limits without a release.
- Audit trailEvery decision is logged for regulators and internal audit.
Checks and payments
Buyer, property and payment checks
Buyers and properties are checked together, and closing funds move on time.
Client checks
Buyer and property checked together:
- Anti-fraud servicesIncome and document fraud checksPass
- Identity verificationID, selfie and livenessPass
- Credit bureausCredit history and debt-to-incomePass
- Land registriesTitle, ownership and liensPass
- Property valuationValuation and comparable salesReview
- Income dataEmployer, tax and bank dataAuto
Payment infrastructure
Closing payouts and monthly payments:
- Bank transfers
- Direct debit
- Instant payments
- Escrow accounts
- Cards
Loan servicing
Every mortgage and every payment
on one screen
Rate resets, overpayments, payment holidays and escrow, all in one schedule.
- Amortisation calculated automaticallyInterest, rate resets, escrow and schedules are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Mortgage products configured, not codedFixed, variable and offset products with their rules are set in the admin panel.
- Alerts on every rate resetRate resets, escrow changes and late payments notify the homeowner and your team.
Reporting and analytics
Mortgage book, LTV and escrow reporting
- 25+ ready reportsBook by LTV and region, rate resets, arrears and prepayments.
- BI and analyticsSend book and property data to your BI tools.
- Accounting and taxDisbursements, escrow and tax entries post to your local accounting systems.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Customer portal
Borrowers apply, repay, extend and track loans online.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Does it connect to our core banking system?+–
Yes. Loans, schedules and payments sync with your core through ready connectors or APIs.
Can brokers submit applications?+–
Yes. Brokers get their own portal to submit applications, upload documents and follow each case to completion.
How are property valuations ordered?+–
The system orders a valuation from your panel of valuers once the application passes the first checks. The report comes back into the case file.
How is regulatory reporting handled?+–
Standard regulatory reports are built from loan data automatically and can be adjusted to your local regulator's format.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full mortgage lending specification
83 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for mortgage lending and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing