LP Originate

Cloud-based loan origination system that lets mortgage brokers, non-delegated lenders and lenders run applications, processing, documents and compliance in one web workspace.

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Overview

Loan officers, processors, underwriters and managers work the same loan file at once, without file locks. Borrower needs lists are generated from loan data and update as the file changes; uploads arrive pre-classified and join the file only after team approval. Business rules, validations and audit trails flag issues while work happens. Broker, Non-Delegated and Lender editions share one platform, so a team can move up an edition without replatforming. Custom business rules are limited per edition (10, 100 or 300), and API integrations are a paid add-on scoped with the vendor.
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Who it is for

Industries
  • Financial services
Organization Types
  • Business

Product

License Model
Proprietary
Solution Kind
Application

Features

Loan Processing

Processing, document management and condition management in every edition

Borrower needs lists and approve/reject document review

Categories: Loan Origination

Online Applications

Native point of sale with 1003 digital application, real-time validation and conditional logic

Borrower document upload

Categories: Loan Origination

Loan Management

Pipeline, task and milestone tracking across loan files

Post-closing, funding and investor reconciliation workflows in Lender Edition

Categories: Loan Origination

Customer Management

Delivery method: Integration

Borrower portal visibility of needs lists

CRM connectivity for pipeline engagement through marketplace integrations

Categories: Loan Origination

Loan Origination

Origination from application through closing in every edition

Federal compliance tests, NMLS call reports and (Non-Delegated and Lender) HMDA reporting

Categories: Loan Origination

Automated Decisioning/Underwriting

Delivery method: Integration

Submit loans to Desktop Underwriter and Loan Prospector AUS from the LOS

Underwriting workflows in Lender Edition

Categories: Loan Origination

Digital Signature

Delivery method: Integration · Paid add-on

Send documents for eSign through an integrated eSign provider (e-sign is a paid add-on in every edition)

Categories: Loan Origination

Loan Processing

Loan file processing, document management and condition management during origination

Limits to check
  • Pre-closing loan processing only; post-closing servicing is not documented.

Categories: Loan Servicing

Loan Origination

Residential mortgage origination from application to closing

Categories: Mortgage and Loans

Loan Management

Loan file management with simultaneous multi-user access, tasks, conditions and audit logs

Categories: Mortgage and Loans

Pipeline Management

Live pipeline, production and compliance dashboards

Multi-role pipelines, tasks and alerts

Categories: Mortgage and Loans

Technical details

API

API access conditions
  • API integrations are a paid add-on in every edition; Lender Edition API access depends on package, use case and implementation scope.
  • Standard support does not cover issues relating to the LendingPad API.
Programmatic access
Yes

Deployment

Browser Support
  • Platform
    Web browsers (multi-browser)
Client Channels
  • Browser
Delivery Models
  • Cloud (SaaS)

Implementation

Delivery Mode
  • Vendor

Editions · Non-Delegated Edition

Edition name
Non-Delegated Edition
Edition scope
Adds HMDA reporting, closing, MERS and document-provider integrations and UCD delivery to the core LOS; 100 custom business rules, full tasks and limited task workflow automation.

Editions · Lender Edition

Edition name
Lender Edition
Edition scope
Adds underwriting, secondary marketing, funding, post-closing, investor reconciliation and loan delivery, banking-core integration and full task workflow automation; 300 custom business rules.

Editions · Broker Edition

Edition name
Broker Edition
Edition scope
Core LOS with native POS, dashboards, document and condition management, federal compliance tests and NMLS call reports; limited tasks and task automation, 10 custom business rules, and direct delivery to integrated wholesale lenders.

Customization

Skill Level
  • No code
Supported Scopes
  • Fields
  • Business rules
  • Workflows

Reliability

Service status
lendingpad.com/status

Security

Access Models
  • Role based
Assurances
  • Kind
    Certification
    Scope
    Platform security, availability and processing integrity
    Standard
    SOC 2 Type 2
Deletion Policy Url
lendingpad.com/privacy-policy
Provisioning
None listed
Subprocessors Url
lendingpad.com/trust-center

Support

Channels
  • Chat
  • Ticket
  • Email
  • Knowledge base

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