Comarch Loan Origination allows for a significant reduction of both time needed to grant a mortgage, and complexity of the process itself. Mortgage simulation, customer analysis, decision-making or fund disbursement... all of these, and more, are automated in our system. What it means is fewer errors. Fewer headaches. And – less work.
Rely on automated processing that allows you to speed up mortgage origination including borrower verification, decision making and underwriting. Surprise your customers with a short time-to-money and bring smiles to their faces
Let your customers submit applications online, arrange details in your branch, then sign documents online – make their journey seamless, all thanks to an open API
Go truly paperless by keeping all digitized documents in a central repository. Let the mortgage origination software automatically generate document checklists and bank documents (i.e. European Standardized Information Sheet) for your customers
Advanced option simulator
Provide your customers with a simulator of mortgage options to choose from. Let the customers fine-tune your solution to fit their needs
Take advantage of the embedded training mode allowing mortgage advisors to get a grasp of the system quickly. Forget ugly interfaces: use parts of the mortgage origination software as a presentation tool for customers
Reduced risk of error
Take advantage of automated verifications and decisions. Reduce manual processing and re-routing cases that miss important information
No more organizational walls
Let mortgage advisors, decision makers or operations officers cooperate smoothly with each other via communication tools embedded in the system
Better cooperation with real estate experts and notaries
Make it easier for your employees to ask for expert valuation or request a notary deed by using dedicated expert/notary search and mailing tool
Easy collateral definition
Define collaterals for specific mortgage loans and register collateral data for each application. Sync the data with available databases, or retrieve it from the bases as you please. Single data entry principle applies
Sales volume monitoring
Easily monitor sales efficiency and structure using management dashboards. No more digging for spreadsheets in data warehouses
Combine different products in one system: mortgages, refinancing loans, bullet loans, bridge loans, and more. Keep mortgage advisors aware about cross-sell opportunities for credit/debit cards, insurance or other related products
Stay Mortgage Credit Directive compliant, automatically calculate APRC and generate documentation according to the ESIS standard. Edit processes or documents via the business administration module and be ready whenever laws change
Enable business persons with no tech background to make changes in the system, and in so doing get shorter time-to-market and lower costs
Easy integration via API
Retrieve data from internal or third party databases without the need of double data entry – making life of a mortgage specialist easier
Benefit from a modular structure that supports each step of the mortgage origination process. It allows you to implement the solution in stages
Rely on Comarch’s wide experience with building mortgage origination software for different clients worldwide
Promote your customer-first approach by providing your customers with the augmented reality tool that makes the process of searching for their dream house easier. Comarch AR Loans – Home Finder is a mobile application that allows users to find their house with the help of Augmented Reality and easily apply for a mortgage. The application combines the concepts of marketplace and non-banking services offered by financial institutions to retail and SME customers.
The mortgage lending process is considered to be one of the more complex credit processes offered to retail customers. Making decisions for such long-term liabilities for considerable amounts of money requires a thorough analysis of both customers and collaterals.
It is based on attributing points to customer characteristics reflecting both quantitative (mainly financial data) and qualitative elements (e.g. marital status, education level, etc.). It applies both to individual customers and enterprises (especially in the micro and SME segments).
Tell us about your business needs. We will find the perfect solution.