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How it works

How a loan moves through Orivane

Six stages, one file. Each stage hands the next a complete record, so nobody has to chase a document or retype a number.

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In short: In Orivane a loan moves through six stages: inquiry, application, documents, underwriting, closing, and funding into servicing. The same record travels the whole way, and each stage creates the tasks the next one needs.

The stages

From first contact to first payment

Stage names and rules are yours to change. These are the defaults most lenders start from.

1

Inquiry

A web form, a broker submission or a phone call becomes a lead with its source recorded.

2

Application

The officer or the borrower completes a short application, and the loan file opens.

3

Documents

The portal shows the borrower exactly what to upload, and each upload is checked against the file.

4

Underwriting

The underwriter opens a complete file with conditions listed and checks already run.

5

Closing

Closing documents fill from the file and go out for signature from the same screen.

6

Funding and servicing

At funding the loan becomes a payment schedule and a draw budget in servicing.

Up close

What happens inside each pair of stages

The same loan file, start to finish.

Stages 1 and 2

Every loan starts as a lead

Inquiries arrive from brokers, referrals and your website. When one is worth pursuing, it becomes a loan file in a click, and nothing is retyped.

  • Source tracking from the first touch
  • Short application the borrower can finish on a phone
  • One pipeline however the deal arrived
Stages 3 and 4

A complete file before underwriting opens it

The borrower sees a checklist of what is still needed. Uploads are compared with the file, and mismatches are flagged before an underwriter spends time on them.

  • Borrower checklist in the portal
  • Name, date and figure checks on uploads
  • Conditions tracked with owners
Stages 5 and 6

Closing and funding without a hand-off

Closing packages are built from the loan record, signed copies are filed back to it, and the funded loan moves into servicing with its terms intact.

  • Template-driven closing packages
  • E-signature from the loan screen
  • Servicing schedule created at funding
End to end

One record from the first call to the first payment

Because each stage writes to the same loan file, the portal, the underwriting checklist and the servicing schedule never disagree about the loan.

6stages, one loan file
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One platform

The other modules

Every module reads the same loan record, so adding one never means another import.

Loan Origination SoftwareIntake, underwriting and closing in one fileExplore Loan Origination Software
Mortgage CRMEvery lead and borrower conversation in one placeExplore Mortgage CRM
Loan ServicingPayments, draws and ledgers after the loan fundsExplore Loan Servicing
Loan PricingRules-based pricing and rate locksExplore Loan Pricing
Get started

Run one of your loans through the stages

Book a demo and bring a recent deal. We will move it from inquiry to funding while you watch.

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