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Mortgage Loan Origination System

Fully digital, automated mortgages are becoming a reality, posing a challenge to the complexity of traditional methods. In today’s world, customers expect a convenient path to home ownership, which creates a need for a flexible, integrated lending process with various automation possibilities.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

Discover Product Details

The ApPello Mortgage Loan Origination System has all the tools to automate processes and produce happy customers via significantly simpler, faster origination, contracting and disbursement processes. Customers are systematically led through each phase for an as fast and automated lending process and best experience as local regulations allow.

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Discover Product Details

Main Benefits

Preconfigured data model, workflows, validations - 60-80% implementation ready

Comprehensive functionality for Mortgage processes

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Cost cutting and enhanced efficiency with optimised workflows

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More sales and better customer experience via omnichannel capabilities

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Reduced TTM and TTY with automations and integrations

Extensive Collateral Register and Real Estate Valuation support

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Reduced operational & credit risk with monitoring and reporting tools

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Workflow

Product features

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Faster process for customer experience

Create market leading, streamlined mortgage application and approval processes, with semi- or fully automated risk decision making!

Flexible scorecard definition

Create market leading, streamlined mortgage application and approval processes, with semi- or fully automated risk decision making!

Faster process for customer experience

Create market leading, streamlined mortgage application and approval processes, with semi- or fully automated risk decision making!

Faster process for customer experience

Create market leading, streamlined mortgage application and approval processes, with semi- or fully automated risk decision making!

Product recommendation & personalisation engine

Once applicants have furnished their initial information, the system presents them with comprehensive details of recommended loan products. Moreover, it offers personalized alternatives, tailored to meet individual needs. This thoughtful approach assists customers in making informed decisions and selecting the most suitable loan product, ultimately resulting in heightened customer satisfaction and a streamlined, efficient sales process.

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Screenshot from the Appello system showing a dashboard.

Transparent & smooth lending journey

The Mortgage Loan Origination System is designed to establish smooth and outstanding borrower experiences through its innovative features:

Transparent & smooth lending journey

The Mortgage Loan Origination System is designed to establish smooth and outstanding borrower experiences through its innovative features:

Transparent & smooth lending journey

The Mortgage Loan Origination System is designed to establish smooth and outstanding borrower experiences through its innovative features:

Transparent & smooth lending journey

The Mortgage Loan Origination System is designed to establish smooth and outstanding borrower experiences through its innovative features:

Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.

Decision Engine

Managing Collaterals

Managing Collaterals in the loan origination process is crucial for efficiency and accuracy. Our system simplifies this by offering a user-friendly interface for easy entry of obligations and collateral data. You can also import data using standard APIs, saving time and reducing manual entry. Need to add extra information? Our system allows seamless inclusion of supplementary data for any selected collateral, ensuring comprehensive record-keeping.

Managing Collaterals

Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

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Configuration over customization

Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.

Configuration over customization

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Business Configuration

The system not only handles business calculations but also offers the flexibility to manage business parameters. With a comprehensive set of standard parameter rulesets, it ensures easy auditing and validation. The key catalogues that are regularly utilized encompass: