Lending & securitization

Loan origination systems and lending software: LOS build vs buy, loan workflows, and the technology stack from application to securitization.

Lending software is judged by the people downstream of it: the credit committee, the warehouse lender, the rating agency, and the investor reading the loan tape. This is the deepest category on the site. It explains what a loan origination system is, the requirements to settle before you buy or build one, what it costs, and how to migrate without stopping lending. It follows a loan from application to the loan tape, covers the data a lender needs before a first securitization, and looks at where AI genuinely helps in underwriting and where it needs human oversight. It also includes due diligence questions for LOS vendors and the data problems that cap a private lender's growth. If you are evaluating an LOS, start with the plain guide and the requirements checklist. If you are preparing for a securitization, read the journey of a loan next. The loan origination system and lending pages explain what we build.