Accelerate Mortgage & Loan Solutions

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In a constantly evolving real estate market, mortgage and loans need to be digital! At Pragma, we provide strategic software engineering to empower US banks, credit unions, and lenders to win modern borrowers.

Digital lending: Your next growth engine

Shift in Borrower Behavior

65 % of U.S. mortgages began online in 2024, and digital‑first borrowers now expect the same‑day

Margin Compression

Fintech entrants operate at 35‑40 % lower cost‑per‑loan, forcing traditional lenders to re‑platform.

Regulatory Pressure

TRID, Fair Lending, and ESG disclosures demand auditable, data‑driven workflows. 

Proven at Scale. Check our Success Stories!

Florida Community Bank cut manual tasks by 65% and launched products 40% faster.

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Nequi – Bancolombia’s Digital Bank: From Zero to 22 Million Users. Innovation, Every Two Weeks. 

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U.S. Mortgage Lender cut Cloud provisioning cycle from 3 weeks to 3 days; borrowers now receive funds in ~3 days.

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Custom Mortgage & Loan Solutions

Pragma brings almost three decades of banking technology expertise to deliver custom solutions.
From strategy and UX design to cloud‑native engineering, our near‑shore squads co‑create modern mortgage and consumer‑loan systems, seamlessly integrating with your LOS, core, and third‑party data providers.

Digital Mortgage Origination Experiences

We design and build borrower portals and mobile apps that capture and validate data in minutes.

AI‑Ready Underwriting Workflows

We integrate data and analytics pipelines to enable instant pre‑qualification and personalized offers.

Omnichannel Borrower Journey

Seamless hand‑offs between branch, call‑center, and self‑service channels, built with Flutter front‑ends and scalable APIs.

Core & LOS Integrations

Hands‑on integration services for Fiserv, FIS, Jack Henry, Encompass®, ICE Mortgage Technology, and more.

Compliance & Security Engineering

ISO 27001 & ISO 9001‑certified development practices with automated audit trails and document retention.

Modern Architecture Patterns

Microservices, event streaming, and Kubernetes deployments that scale on AWS, Google Cloud, or on‑prem.

Tangible Business Impact

*Based on recent Pragma engagements.

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Why Choose Pragma

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Financial DNA

Almost three decades of experience working with financial services companies.

Financial DNA
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Outcome‑Based Engagements

Clear success KPIs and shared accountability.

Outcome‑Based Engagements
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Real‑Time Collaboration

Nearshore pods aligned to U.S. time zones.

Real‑Time Collaboration
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Enterprise‑Grade Partnerships

AWS, Google Cloud, Salesforce, Datadog, and other

Enterprise‑Grade Partnerships
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Speed to Value

Production‑ready increments every two weeks; 95 % of projects hit MVP within 120 days.

Speed to Value

What is Mortgage and Loans Solutions Outsourcing?

Pragma provides specialized nearshore teams to build digital mortgage platforms, and automated loan origination systems, streamlining processes and reducing operational costs.

Unlock innovation in Mortgage with expert outsourcing

Powering Mortgage Solutions with Top tech Partners

Our outcome-driven approach through
the eyes of our clientes

 

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Predictive Analytics: The key to Hyper-Personalization in banking
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Artificial intelligence

Predictive Analytics: The key to Hyper-Personalization in banking

Flutter in Banks and Fintech Companies: The Key to Omnichannel Experiences
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Integrations and APIs

Flutter in Banks and Fintech Companies: The Key to Omnichannel Experiences

Data Architecture for Banking: A Guide to Success
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Artificial intelligence

Data Architecture for Banking: A Guide to Success

Schedule a private briefing with our executive team to explore how Pragma can accelerate your lending roadmap.

Let´s talk!