Displace legacy systems from operationsβwithout replacing them as the system of record.API-first. Event-driven. AI-native. MISMO Compliant.
Mortgage companies run on systems built decades ago. They are expensive to change, difficult to integrate, and resistant to AI. As margins shrink and regulations grow, legacy architectures are no longer sustainable.
"Your core remains the system of record. os.mortgage becomes the system of engagement, orchestration, and intelligence."
Trapped in expensive enterprise agreements with Black Knight, MSP, Sagent. $M annual licensing with minimal innovation and 12-24 month release cycles.
15-30 point solutions connected by brittle SFTP transfers. Point-to-point integrations that break constantly. No canonical data model.
High headcount for loan boarding, escrow analysis, payment exceptions. Knowledge trapped in SMEs' heads. Long training cycles.
Data scattered across vendors and systems. No real-time portfolio view. Regulatory reporting takes days or weeks.
Rigid, hard-coded workflows that can't adapt to business changes. Manual hand-offs between systems. No flexibility for process optimization.
Borrowers interact with multiple disconnected systems. No unified view of customer journey. Inconsistent experience across channels.
Simple rule changes take months to implement. Hard-coded business logic in legacy systems. Regulatory compliance updates are painful.
Teams experimenting with ChatGPT without governance, data isolation, or audit trails. No enterprise-grade AI platform.
We don't modernize the core. We modernize around it by changing where innovation, decisioning, and user interaction occur.
Modern UIs, AI Copilots, Real-Time Decisioning
Event-Driven Orchestration, Business Logic, AI Intelligence
System of Record - Batch Processing, Settlement
Even batch cores emit signals. os.mortgage captures file arrivals, table updates, and job completions, transforming them into real-time events.
os.mortgage maintains an event-sourced digital twin of each loan outside the core, providing real-time operational views while the core remains the book of record.
Commands (what should happen) occur in os.mortgage in real-time. Settlement (what did happen) occurs in the core during batch windows.
No synchronous writes to legacy cores. Instead: write-behind queues, retry logic, reconciliation, and idempotent operations.
Most real-time needs aren't core-related. os.mortgage interacts with tax vendors, insurance providers, and payment processors in real-time.
Composable, API-first products that integrate seamlessly with your existing infrastructure
The foundational platform that replaces brittle point-to-point integrations with event-driven architecture. Built on MISMO standards for seamless interoperability.
Pricing: Platform fee + per-loan/per-event
AI-powered assistance spanning the entire mortgage lifecycleβfrom loan processors to customer service agents.
Pricing: Per-user/per-role subscription
Pre-close and pre-funding decision supportβwithout replacing your LOS.
Note: We don't replace your LOSβwe eliminate the gaps around it.
Real-time visibility across your entire loan portfolio with event-sourced data architecture. MISMO-compliant data model ensures interoperability.
Pricing: Platform fee + data volume
Configuration-driven policy management with full auditability and compliance tracking.
Pricing: Platform fee + rules complexity
Flexible, configurable workflows that adapt to your business needs without hard-coding. Orchestrate complex processes across systems.
Pricing: Platform fee + workflow complexity
Modernize loan boarding with AI-powered data validation, reconciliation, and exception handling.
Pricing: Per-boarding event
Plug-and-play integrations with certified mortgage vendors and service providers.
Pricing: Per-integration activation
Unified omnichannel contact center and case management for borrowers, servicers, and third parties.
Pricing: Per-agent seat + per-case volume
Enterprise-grade AI governance designed for regulated mortgage operations
Suitable for non-sensitive operations like document summarization with PII redaction.
Use Case: Public-facing chatbots, marketing content generation
Data encrypted at rest and in transit. Models run in your VPC with no external data egress.
Use Case: Loan operations, customer service, compliance review
Complete data residency control. Models run on your hardware with zero cloud dependency.
Use Case: Highly regulated portfolios, government servicing
No internet connectivity. Updates via physical media or secure transfer. Maximum security posture.
Use Case: Extremely sensitive operations, defense contractors
os.mortgage doesn't lock you into any specific AI provider. Our abstraction layer supports OpenAI, Anthropic, Google, local models, and custom fine-tuned models.
Fixed-scope, high-value accelerators and advisory services with predictable outcomes and pricing
Rapidly implement automated boarding processes with AI-powered validation and exception handling.
Build certified integrations with tax, insurance, payment, and other critical vendors.
Implement secure, enterprise-grade AI capabilities for mortgage operations.
Deploy unified omnichannel contact center with AI-powered case management and self-service capabilities.
Strategic guidance for modernizing mortgage technology infrastructure.
We build and operate your vendor integrations with SLA-backed performance.
Establish enterprise AI governance frameworks for mortgage operations.
Flexible pricing models designed for mortgage servicers of all sizes. No vendor lock-in.
Platform pricing scales with your loan portfolio size and transaction volume. All plans include implementation support, training, and ongoing platform updates. Custom pricing available for MSR investors and special situations.
Critical questions from technology leaders
Seeking strategic investors and enterprise partners who understand the magnitude of modernizing a $3.5T market.