Mortgage Origination Software Solutions

MOSS: Reimagining the lending experience

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A modular, ready-to-deploy accelerator

for mortgage origination

MOSS is a plug-and-play product accelerator that streamlines the entire mortgage journey, from pre-qualification to servicing, without adding internal complexity, cost, or compliance risk.

Seamless integration with your existing LOS and tech stack
Modular, cloud-ready, scalable architecture
Enterprise-grade security and role-based access control

Mortgage Origination Software Solution

Role-Based Workbenches
  • Interfaces for LOs, processors, brokers, and support teams.
  • Borrower portals with dynamic checklists and status updates.
  • Broker and correspondent logins for external partners.
Infrastructure and Deployment
  • Container-based, horizontally scalable architecture.
  • Multi-cloud support with full observability and performance monitoring.
  • Auth0 authentication with configurable roles and permissions.
Core Functionality
  • Document generation: 1003, URLA, LE, CD, and disclosures.
  • Built-in integrations: AUS (DU), credit APIs, Mavent, pricing engines (Optimal Blue).
  • Event-driven workflows with alerts, audit logs, and feature flag management.
  • Support for DocuSign, Plaid, Encompass, Elphi, and more.
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Real Impact on Lending Operations

better experience

Better Experience for Members and Teams

  • Intuitive, digital-first experience for members and staff.
  • Reduced frustration across roles


Operational Efficiency

Operational Efficiency

  • Intuitive, digital-first experience for members and staff.
  • Reduced frustration across roles



More Value

More Volume, Better Conversion

  • Standardized process
  • Borrowers and brokers return to lenders they trust.
  • Increased app-to-submission and submission-to-close conversion rates.
low cost

Lower Cost to Serve

  • Lower cost per loan file through automation and reduced rework.
  • Minimized back-and-forth and manual processing.



Case Study: Measurable Results

 

Why MOSS?

Persona-Based Workbenches: Role-specific UIs boost productivity
Persona-Based Workbenches: Role-specific UIs boost productivity

Faster Underwriting: Reduce bad submissions and review times
Faster Underwriting: Reduce bad submissions and review times

Plug-and-Play Integrations: LOS, CRM, payments and more—connected
Plug-and-Play Integrations: LOS, CRM, payments and more—connected

Self-Service Portals: Borrowers and brokers manage their own pipeline
Self-Service Portals: Borrowers and brokers manage their own pipeline

Modular, Scalable Architecture: Deploy fast, evolve as you grow
Modular, Scalable Architecture: Deploy fast, evolve as you grow


We Solve These Key Challenges

Disconnected tools and manual workflows slow everything down

Modernizing adds cost, complexity, and compliance overhead

Outdated borrower journeys fail to meet digital expectations

Limited internal tech capacity stalls innovation and growth

Teams and members feel the pain of clunky, repetitive processes

We Solve These Key Challenges

MOSS is the result of a strategic partnership between Pragma, experts in modular financial technology, and 3N Performance, leaders in lending operations.

Deep mortgage and underwriting expertiseAI-powered loan processing and SOP automation
Modular, scalable software tailored to each institution
Seamless deployment with minimal disruption to IT teams

Powered by Pragma + 3N Performance

MOSS is the result of a strategic partnership between Pragma, experts in modular financial technology, and 3N Performance, leaders in lending operations. 
Together, we bring deep mortgage and underwriting expertise, AI-powered loan processing with SOP automation, and modular, scalable software tailored to each institution. Our seamless deployment approach ensures minimal disruption to internal IT teams while accelerating digital transformation.

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Let’s Transform Your Lending Journey

Explore how MOSS can modernize your mortgage origination from end to end.

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