CodiotStart a project
Lending technology

Loan management system development

Origination was the easy part. Now you're servicing thousands of loans through a system that wasn't built for your products, and every modification is a manual workaround.

Talk to us
Sketch: loan documents pooling into a securitization structure

What is a loan management system?

A loan management system (LMS) handles everything after funding: servicing, payments, statements, modifications. Codiot builds LMS platforms shaped around your loan products, not a generic servicing template that requires a workaround for every product feature you actually offer.
The moment you're probably in

You'll recognize one of these.

The modification workaround

A loan modification that should take one form takes a spreadsheet, three emails, and a manual override in the system.

The statement generation bottleneck

Monthly statements go out late because generating them correctly requires a person to double-check the numbers by hand.

The product mismatch

Your servicing system assumes a standard amortization schedule. Your actual loan products don't work that way.

What we build

A loan management system, end to end.

Sketch: loan documents pooling into a securitization structure
FundServiceModifyPayoff

Payment processing

Scheduled and one-off payments processed and reconciled automatically against the loan ledger.

Statement generation

Accurate statements generated on schedule, matched to your actual loan terms.

Modifications and workouts

Modification workflows built for your actual products, not forced into a generic template.

Escrow management

Escrow tracking and disbursement handled as part of the servicing record, not a side spreadsheet.

Delinquency workflows

Automatic flagging and routing of delinquent accounts to the right collections process.

Investor and regulatory reporting

Servicing reports generated from the same data borrowers see, so numbers always reconcile.

Systems we speak

Your stack, not our preferences.

SalesforceAWSSnowflakeDocuSign
FAQ

Common questions, answered plainly.

What is a loan management system?
A loan management system (LMS) handles everything after a loan is funded: servicing, payments, statements, and modifications.
How much does a custom LMS cost?
It depends on the number of loan products and servicing workflows involved. We quote a fixed scope after mapping your servicing operation.
Can this integrate with our existing LOS?
Yes, most engagements integrate with an existing origination system rather than requiring a full platform replacement.
How long does an LMS take to build?
A focused first release covering your core servicing workflow typically ships in 4-5 months.
Can it handle non-standard loan products?
Yes, that's usually the reason clients move off a generic servicing platform in the first place, custom logic for your actual amortization and modification rules.
Start

Show us how this runs today.

One call. Walk us through how it works in your shop today, and we'll tell you honestly where custom software pays off, and where it doesn't.

Book the walkthrough