Mortgage POS, ready for handoff
OriginateOS gives loan officers and processors a borrower application, document collection, Plaid assets, Truv payroll VOE, AI review, and lightweight MISMO 3.4 export in one POS-first workspace.
POS-first workflow for mortgage teams that need cleaner files before LOS handoff
Everything you need
Built for POS handoff
OriginateOS is focused on intake, verification, document readiness, and clean downstream export.
Borrower application
White-labeled apply links, borrower login, TBD subject property intake, state, occupancy, program preference, and consent capture.
Document collection
Borrowers upload from mobile or forward attachments. Staff can upload, classify, attach, and request missing items from one workspace.
Plaid and Truv verification
Asset verification through Plaid Check and payroll VOE through Truv first, with TWN held as an explicit configured fallback.
AI document review
Classify docs, summarize findings, flag stale or incomplete evidence, and draft borrower-visible requests without final underwriting decisions.
Package readiness
Processors see MISMO validation blockers, document gaps, consent status, provider artifacts, activity, and per-application costs.
Compliance controls
Company-scoped access, staff RBAC, audit events, field-level encryption hooks, and no live credit, AUS, e-sign, or LOS actions by default.
Simple setup
From apply link to handoff
Keep the POS lane clean: intake, evidence, review, and export readiness before the LOS takes over.
Send the apply link
Route borrowers through company and LO apply URLs, then let them sign in and resume securely.
Collect evidence
Capture the application, request docs, collect Plaid assets, start Truv VOE, and review emailed attachments.
Export the package
Resolve readiness blockers, keep borrower needs separate from internal conditions, and download MISMO 3.4 XML.
Pricing
Beta pricing for POS teams
Per-application billing with vendor cost transparency.
The MVP tracks Plaid, Truv/TWN, AI review, e-sign, MeridianLink, and AUS costs by application so brokerages can see pass-through usage before invoicing is turned on.
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