Seamless integration with your existing LOS and tech stack

Modular, cloud-ready, scalable architecture

Enterprise-grade security and role-based access control

Interfaces for LOs, processors, brokers, and support teams.
Borrower portals with dynamic checklists and status updates.
Broker and correspondent logins for external partners.

Container-based, horizontally scalable architecture.
Multi-cloud support with full observability and performance monitoring.
Auth0 authentication with configurable roles and permissions.

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.

Better Experience for Members and Teams

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

Operational Efficiency

Higher % of clean, complete files.
Faster processing and time-to-close

More Volume, Better Conversion

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

Lower Cost to Serve

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

Persona-Based Workbenches: Role-specific UIs boost productivity

Faster Underwriting: Reduce bad submissions and review times

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

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

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

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Outdated borrower journeys fail to meet digital expectations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

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

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.

Mortgage Origination Software Solutions

A modular, ready-to-deploy accelerator

for mortgage origination