🏦 FLAIRE for Lending & Mortgage
Application to funding on one platform. Pipeline visibility, conditional approval tracking, rate-lock management, document collection, and TRID disclosure timing — without the borrower waiting two days to hear back.
Why loans die in the conditions stage
Most lenders run a Loan Origination System, an AUS, a doc-collection portal, a separate CRM, a borrower-facing app, and email for everything else. Borrowers feel the seams — and the conditions stage is where applications stall, locks expire, and competitors close instead.
Borrower submits the application Monday; processor reviews Wednesday; conditions go out Friday. The competing lender already issued a pre-approval Tuesday. Speed is the conversion lever, and nobody owns it.
Borrower uploads a paystub to email; nobody puts it on the loan file; processor asks for it again the next week. Trust erodes; "this lender is disorganized" becomes the review. The fix is one shared document inbox per loan, not seven.
30-day lock taken at app; loan takes 38 days to close. Lock extension fee comes out of the lender's pocket (or the LO's commission). Without lock-expiry visibility per loan in the pipeline, the same surprise happens every month.
Loan Estimate is due within 3 business days of application; Closing Disclosure 3 business days before consummation. Miss either window and the loan is non-compliant. Most teams track these on a spreadsheet that nobody updates after lunch.
Built for how lenders actually operate
Three persona-based plays. Pick the one that matches your shop — or run multiple under one tenant if you do mortgage origination, depository lending, and commercial loans under the same roof.
Mortgage Broker / Independent LO (1–25 LOs)
Shopping a borrower across multiple wholesale lenders, fighting for fast pre-approvals against direct retail, living on referral relationships with real estate agents. The wins come from a borrower experience that feels like a fintech, referral-partner attribution that's accurate, and a back-office that handles compensation cleanly.
Ranks for "{city} mortgage broker." Online 1003 intake with realtor co-branding, pre-approval-in-minutes form, payment calculator, and rate quote that respects the lock disclosure rules.
Every loan in stage (prospect, application, pre-approval, in-contract, conditional approval, clear to close, funded). Realtor and CPA referral attribution tied to the loan. Aria flags loans whose age signals stall.
Borrower sees the loan checklist, uploads documents securely, signs disclosures, and messages the LO from one portal. Processor sees the same view; nothing lives in personal email.
Yield-spread premium and broker comp calculated per loan respecting the LO comp rule (loan-amount based, not interest-rate based). Branch P&L, processor splits, and net revenue per loan visible without a spreadsheet.
LOS connectors (Encompass, Calyx, LendingPad), AUS findings ingested per loan, rate-lock expiry alerts at 14/7/3 days, TRID disclosure-clock automation. Disclosures fire the moment the application is complete.
Deep dive into the borrower portal, secure document collection, e-disclosures, e-consent (E-SIGN Act), and the per-loan audit log built for TRID and ECOA defensibility.
Community Bank / Credit Union Retail LO
Depository lender originating in-house: first-lien mortgages, HELOCs, auto, personal loans, and small-balance commercial. The play is cross-sell from the existing member/customer base, branch-LO desk visibility, and HMDA and CRA reporting that doesn't take three weeks to assemble.
Existing depositors with mortgage capacity, refinance candidates, HELOC opportunities, and auto-loan upgrade prospects all surface as Nova opportunities tied to the member record. Aria scores cross-sell propensity per member.
Branch LO and online intake feed the same loan record. Member walks in for a HELOC; LO pulls the existing relationship and pre-fills the application. Members complete the rest from their phone.
Cost-per-loan, FTE allocation per pipeline stage, portfolio yield and ALLL/CECL preparation, branch and LO production dashboards that the CFO can pull without IT support.
Branch finder with local schema, loan-product pages (purchase, refi, HELOC, construction, USDA, VA, FHA, jumbo), rate-sheet display with the right disclosures, and online application landing pages per channel.
HMDA-LAR fields captured at the right stage, CRA data tagged per application, ALLL/CECL inputs aggregated automatically. March 1 HMDA filing becomes a quick review, not a fire drill.
Business / Commercial Lender (SBA, CRE, working capital, equipment)
SBA 7(a) and 504, commercial real estate, lines of credit, equipment finance. Each program has its own document set, underwriting standard, and reporting requirement. The play is a borrower workspace that handles complex packages and an underwriting queue that doesn't drop scenarios.
SBA 7(a), SBA 504, CRE acquisition, CRE refi, line of credit, equipment finance as separate pipelines with the right document checklists, underwriting timeline, and approval authority per program.
Borrower uploads tax returns (3 years), interim financials, debt schedule, business plan, rent roll, and personal financial statements from each guarantor. Underwriter sees one organized package, not 47 emails.
Loan booking, draw management for CRE construction, annual review tracking, covenant monitoring, watchlist and classified-loan workflow with the right credit-committee paper trail.
SBA, CRE, and equipment-finance pages with qualifying calculators, scenario tools, and case studies. Forms feed Nova as program-tagged deals.
Annual review reminders 90/60/30 days before due, covenant testing on schedule, ticklers for insurance and tax-return updates, and SBA reporting workflows in the right cadence.
One loan, application to funded
A single loan from first online application to funded loan — running across all five products with the LOS, AUS, and borrower portal in sync, and every regulatory clock starting and stopping on time.
Borrower fills the online 1003 (mortgage) or business credit application on a Vega-hosted landing page co-branded with the realtor or referral partner. Application posts to the loan record.
Nova routes by program, geography, and LO availability. Application-complete clock (TRID 3-business-day Loan Estimate window) starts the moment the six TRID-required pieces are received.
Pulsar fires the LE within the 3-day window, runs AUS through DU/LP, captures findings as conditions, and registers the rate lock with the wholesale lender or warehouse line.
Borrower works the condition list in the Echo portal. Each upload tagged to the right condition; processor clears as received. Pulsar nudges the borrower at day-3 and day-7 if any condition remains open.
Closing Disclosure delivered 3 business days before consummation per TRID. Loan funded; Atlas posts the loan to the GL or warehouse facility, books LO comp and broker comp per the comp rule, and updates HMDA-LAR fields.
Echo sends a closing-day kit; Nova drops the borrower into a refi-trigger nurture (rate-drop watch, life-event triggers, anniversary touches). Referral partner gets a thank-you and a year-end performance summary.
Go deeper on each product
Every FLAIRE product is preconfigured for lending — loan pipelines, TRID clocks, conditions templates, HMDA-LAR fields, LO comp rules, and LOS/AUS connectors seeded on day one.
Loan pipelines by program, realtor and CPA referral attribution, depositor cross-sell scoring, refi-trigger and life-event nurture, retention workflows.
See how Nova fits →LO comp under the comp rule, YSP for brokers, loan-level cost, branch and LO production, ALLL/CECL inputs, covenant monitoring for commercial loans.
Explore Atlas →Branch finder pages, loan-product pages (purchase, refi, HELOC, SBA, CRE, equipment), online 1003 intake, rate-sheet display with the right disclosures.
Explore Vega →Borrower portal, secure document collection, e-disclosures and e-consent under E-SIGN, condition-tagged uploads, per-loan audit log for TRID and ECOA defensibility.
Explore Echo →LOS connectors (Encompass, Calyx, LendingPad), AUS findings ingestion, TRID disclosure-clock automation, rate-lock expiry alerts, HMDA-LAR aggregation.
Explore Pulsar →Five products at a discount versus buying each separately. Shared borrower record, shared compliance log, shared AI — from day one.
See bundle pricing →Compliance baked in
Lending lives under TILA-RESPA (TRID), ECOA / Reg B, HMDA / Reg C, RESPA Section 8 (kickbacks and referral fees), the SAFE Act (MLO licensing through NMLS), and fair-lending statutes. FLAIRE captures the right artifacts at the right times so CFPB and state-DFI exams are routine reviews, not multi-week emergencies.
Loan Estimate within 3 business days of a complete application; Closing Disclosure at least 3 business days before consummation; redisclosure triggers (APR > 1/8%, loan product change, prepayment penalty added) handled per CFPB rules.
Adverse action notice within 30 days of decision; counteroffer notices handled per Reg B; demographic information requested at the right stage; spousal-signature rules respected without overasking.
HMDA-LAR fields captured at the right pipeline stage, demographic data collected per the safe-harbor procedure, March 1 annual filing prepped from production data — not a five-week assembly project.
Per-LO NMLS ID, state licenses, sponsorships, and CE-hour tracking with renewal reminders. LO comp engine enforces loan-amount-based (not interest-rate-based) compensation per Reg Z; anti-steering safe-harbor documented.
Application to funded — one connected platform.
Configure FLAIRE for your mortgage shop, depository, or commercial lending operation in days. Pipelines, TRID clocks, conditions templates, and LOS/AUS connectors seeded on day one. 15-day trial, no credit card.
Lending templates seeded on day one · Cancel anytime