LOA.
Loan Origination And Processing, End To End
LOA: Loan Origination Assistant. It reads the file at intake and carries the loan to closing, funding and sale.
A loan origination system takes an application from intake to funding. LOA reads the loan file as it arrives, builds the application from the documents, surfaces underwriting conditions early and clears the file to funding, with every decision explained and logged.
LOA: Loan Origination Assistant
See The Loan File Move
Six moments from LOA, the Loan Origination Assistant, from the morning list to a file that is ready to submit.
Inside A Loan File
Everything the underwriter needs sits at the top of the file.
Document Reading
LOA extracts what matters, flags what is missing and cross-checks across the package.
Application Build
The application comes from the documents. The processor reviews and nobody re-keys.
Conditions
Conditions surface early with an owner, a due date and a source, and fixes are prepared with one click.
Explanations
Ask why something was flagged and the underlying document reference comes back.
Continuous Compliance
Rules run at every step and audit-ready evidence is assembled along the way.
Next-Stage Preparation
ASF tapes and pool extractions are generated from the same record.
Read more: how document intelligence shortens loan turnaround time.
Integrations And Data
LOA connects to the systems a lender already runs.
Core Banking And LMS
Funded files hand off to your core banking and loan management systems through REST and event interfaces.
Bureaus And KYC Providers
Credit bureau pulls and KYC and AML checks are called inside the workflow and logged on the file.
Document Stores
Source documents stay in your store. LOA anchors a hash, so any later change is detectable.
Capital Markets
Clean files flow into ABSO (Asset Backed Securitisation Orchestration) for pooling and structuring.
Who It Is For
LOA serves banks, NBFCs and loan originators.
Banks And Lenders
Faster cycles, lower operational cost and improved compliance.
NBFCs And Co-Lending Partners
An LOS for NBFCs that lets two lenders work one file under shared, enforceable rules.
Capital Markets Teams
Loans arrive at pooling clean and structured, with tapes ready.
Frequently Asked Questions
Loan origination questions buyers ask first.
What is the difference between a loan origination system and a loan management system?
A loan origination system (LOS) covers everything up to funding: intake, document reading, application build, underwriting conditions and approval. A loan management system (LMS) takes over after funding and handles servicing, collections and closure. LOA is an LOS and hands a clean, structured file to the LMS you already run.
How is co-lending handled?
Each lender joins the file with its own verified identity and its own credit policy. Rules for eligibility, exposure split and approvals are encoded as smart contracts, so both lenders work from one record and every decision is logged for audit.
What happens when a document is missing?
The gap is flagged at intake with the exact item, an owner and a due date. The borrower or processor is prompted for it and the file keeps moving on everything that is complete.
Does it replace our core banking system?
No. LOA connects to core banking, bureaus, KYC providers and document stores through REST and event interfaces. It complements the systems you already run.
See LOA On One Of Your Files.
Bring a loan package and we will show intake, the built application and the conditions list in one session.