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HomeMarkets We ServeMortgageIndustry-Leading Loan Origination Solutions

Industry-Leading Loan Origination Solutions

Industry-Leading Loan Origination Solutions

ADVANCED, HIGH-PERFORMANCE ORIGINATION SYSTEMS AND DATA SOLUTIONS TO HELP LENDERS SUCCEED IN THE EVOLVING MORTGAGE INDUSTRY

  • Retail, wholesale, consumer-direct and home equity origination system

  • Correspondent origination system

  • Lead management

  • Connectivity and online collaboration

  • Closing solutions

  • Business intelligence

LOAN ORIGINATION SYSTEM FOR THE RETAIL, WHOLESALE, CONSUMER-DIRECT AND HOME EQUITY CHANNELS

LoanSphere® Empower® is Black Knight’s dynamic, innovative, enterprisewide loan origination system (LOS) used by lenders to originate first mortgages and home equity loans and lines of credit. With its automation and robotics capabilities, lenders can enhance data integrity, improve cycle times and lower their origination cost per loan.

Empower’s LOS data, pricing and documents can be integrated with your digital platforms through the use of APIs to support your digital mortgage strategy and provide a simpler, faster and more transparent loan process.

Want Empower Now?

Black Knight’s Empower Now! is a loan origination system designed specifically to meet the needs of mid-market lenders, including regional banks, credit unions and independent mortgage bankers.

Read more about Empower Now here!

BRINGING AI TO THE MORTGAGE INDUSTRY

Black Knight is harnessing the power of artificial intelligence (AI) and machine learning (ML) to help lenders become more efficient and drive down operational costs when originating a loan.

The AIVA platform automates many of the “stare-and-compare,” task-oriented and repetitive manual functions that lenders manage every day. AIVA accelerates the speed of mortgage processing resulting in more efficiency, productivity, reduced costs and a better borrower experience.

AIVA is being integrated with Black Knight’s Empower and LendingSpace loan origination systems. In addition, Black Knight’s AI/ML capabilities can be used to enhance efficiency and mitigate risk in other areas of financial services organizations.

What is AIVA?

AIVA is Black Knight’s artificial intelligence (AI) platform that reads, comprehends and draws conclusions based on context to mimic cogitative thinking and build expertise over time. AIVA is easily scalable and results in a significant reduction in cost and turnaround time.

A FLEXIBLE, COMPREHENSIVE SOLUTION FOR CORRESPONDENT LENDERS

LoanSphere LendingSpace® is a scalable web-based loan origination system (LOS) designed specifically for the correspondent lending market. With advanced business rules and workflow, and a component-based design, the LendingSpace LOS streamlines loan processing and data quality checks for the entire loan origination process.

  • Loan registration
  • Data and document integration
  • Advanced lead management
  • Secondary market and investor delivery capabilities
  • Reverse mortgage product support
  • Third-party vendor integrations
  • Integration with the LoanSphere Exchange platform

ADVANCING LEAD MANAGEMENT AND CUSTOMER RELATIONSHIPS WITH A SINGLE SOLUTION

To efficiently track and manage mortgage origination sales leads, lenders need an effective and robust solution to assign, prioritize and rapidly respond to new sales opportunities, while nurturing existing relationships to maximize revenue opportunities.

LoanSphere SalesEdge® is an integrated and highly configurable lead and customer relationship management (CRM) solution, designed specifically for lenders to manage new leads, and develop and maintain customer relationships that will ultimately generate new business and boost productivity. Lenders have the option to use either the advanced lead assignment functionality or the business contact management capabilities — or both.

Decrease Time Turning questions into sales Lower Cost
Shorten lead response times Turn inquiries into sales Increase lead conversion and reduce marketing costs per loan
handshake 3-Bar Chart Bar Chart Ongoing
Foster long-term customer relationships and repeat business Easily track referral statistics and trends Provide important lead source performance metrics ​​​

DIGITAL CONNECTIVITY AND ONLINE COLLABORATION

Black Knight offers a wide range of technologies designed to integrate seamlessly with lenders’ existing systems. These technologies help to eliminate costly connections and streamline the transfer of information so lenders can capture, share and collaborate more efficiently with their trusted service providers.

  • Interconnected network
  • Digital API marketplace
  • Electronic document collaboration
  • Closing solutions

LARGEST FULLY INTERCONNECTED NETWORK OF LENDERS AND SERVICE PROVIDERS: LOANSPHERE EXCHANGE

The foundation of our lending solutions is LoanSphere Exchange℠, currently connecting lenders with more than 25,000 service providers. This secure and integrated technology helps manage the loan origination process, eliminating costly connections to individual service providers, standardizing the user experience, enhancing process efficiency and supporting investor loan-quality requirements.

  • Mortgage services available 24/7
  • Unprecedented reliability
  • Rules-based, client-configurable product selection
  • Event-based workflow

API Marketplace

Exchange Digital℠ offers a self-service API marketplace to help lenders implement their digital strategies. The marketplace facilitates the flow of orders, data and documents between all participants in a real estate transaction in one central location. By registering APIs into Exchange Digital, lenders and providers will benefit from using existing assets and capabilities versus creating or buying new ones – saving considerable time and eliminating the need for multiple integrations.

ELECTRONIC DOCUMENT COLLABORATION WITH LOANSPHERE® EXPEDITE

LoanSphere Expedite℠ offers secure electronic-document collaboration and fulfillment services that enable enterprises to accelerate business processes, simplify workflows, adapt to changing industry demands and leverage opportunities quickly and cost-effectively.

Audit
Indexes and sorts post-closing loan documents based on lender or investor requirements. Organizes records based on the lender’s pre-established rules, prioritizing the most critical first.
Close
A digital closing solution, enabling seamless and secure online collaboration between all of the parties involved in a real estate transaction, including the settlement agent, lender, real estate professional, investor and borrower. Expedite Close delivers enhanced process efficiencies, improved borrower satisfaction, lower transaction costs and much more.
Closing Network
A robust online system that enables lenders, settlement agents and title underwriters to better collaborate throughout the loan closing process. Expedite Closing Network offers a settlement agent management tool that acts as a security checkpoint, requiring agents to register before accessing loan documents.
Portal
A flexible, web-based portal where loan documents from various sources can be housed and presented in a single, branded access point. Offered as a software-as-a-service model, Expedite Portal is comprised of eDelivery and eSign capabilities, helping lenders simplify workflows, improve turnaround times and reduce the costs associated with manual, paper-based processes

CLOSING SOLUTIONS TO STREAMLINE PROCESSES AND IMPROVE COMPLIANCE

LOANSPHERE CLOSING INSIGHT®

Designed to streamline the complex closing process, LoanSphere Closing Insight® helps lenders support compliance requirements as they generate mortgage disclosures that borrowers must receive when applying for and closing on a loan.

The solution supports the closing-document process by helping lenders:

Gathering
Gather and update loan fee information Deliver documents to settlement agents
Check
Collaborate with settlement agents to reconcile and finalize Closing Disclosure data Validate prefunding and post-closing data consistency and loan integrity

LOANSPHERE EXPEDITE CLOSE

Fulfillment-based Digital Closing

LoanSphere ExpediteSM Close offers a fulfillment-based, advanced hybrid and full digital closing solution, enabling seamless and secure online transactions between everyone involved in a real estate transaction, including the settlement agent, lender, real estate professional, investor and consumer. The solution consolidates data and documents from multiple systems and presents them in one user-centric view. Also, the solution supports any specific documents that require a physical signature for those jurisdictions not yet accepting electronic notarization.

SMART INSIGHTS INTO YOUR ORIGINATION OPERATIONS

Our Enterprise Business Intelligence (EBI) platform helps make your loan origination data easier to access, understand and act upon. Our solutions enable you to get the right information to the right people at the right time – and in the right way – so you become more efficient, productive and compliant across your entire organization.

Dynamic Dashboards and Reports from LoanSphere MotivitySM

Motivity Screen on a phoneA robust business intelligence solution that provides instant access to information from multiple data sources to help forecast and monitor performance. This comprehensive technology offers real-time analytics, enabling lenders to proactively manage operations through key performance indicators, scorecards, executive and employee dashboards, and on-demand interactive reporting.

With LoanSphere® Motivity Anywhere℠ … you can access performance information on your mobile device.

LoanSphere® Data HubSM: Big Data at Your Fingertips

Data ConnectionOur LoanSphere® Data HubSM links your mortgage loan data with third-party data and Black Knight’s vast data assets, which include industry and MLS information, public records and property valuations. The information is matched across data sets to provide the richest source of connected client, property and mortgage data available.

PROPERTY, MLS AND MORTGAGE-PERFORMANCE DATA

Our leading commercial and residential property data is among the most current and accurate available. This robust data helps lenders make critical decisions, identify risk and improve business performance.

PROPERTY DATA FROM BLACK KNIGHT

  • Property records covering 99.9 percent of the U.S. population and 3,100 counties
  • More than 40 million rental property records nationwide, including nearly 11 million single family records
  • Instant access to AVMs property reports, ownership verification, county reports and more

MLS DATA

  • MLS active listings data, representing 80 – 85 percent of the market

PROPERTY TAX

  • Quick and accurate nationwide tax data
  • Supports lender compliance with property tax tolerance rules for good faith loan estimates under the CFPB’s TILA-RESPA guidelines
  • Precise method for estimating California property taxes

PREDICTIVE MORTGAGE ANALYTICS AND VALUATIONS

Black Knight offers intelligent, accurate analytics and predictive modeling via our highly regarded quantitative methods. Our proven, industry-leading models – based on borrower behavioral patterns, projected market trends, and national servicing data dating back to the early 1990s – help lenders make more informed decisions.

Our robust analytics and valuation solutions:

  • Meet GSE and regulatory requirements
  • Include industry-leading and accurate automated valuation models
  • Provide probability of prepayment and credit risk

Virtual Analytics Platform

We also offer a language-agnostic, interactive platform where a lender’s staff can perform complex analytics, leveraging Black Knight data and models, as well as their own. The platform provides a turn-key analytic solution that drives agility, efficiency, and better utilization of scarce client resources.

A.I. and Machine Learning

Leveraging our unsurpassed property and mortgage performance databases, as well as scientific-based machine learning techniques, our highly experienced data science team can create predictive analytics for virtually any aspect of your mortgage business.

GET TIMELY, ACTIONABLE AND DATA-DRIVEN MARKET INSIGHTS

Market Analytics

Leveraging the most advanced technology, vast data assets and cutting-edge analytics, we deliver objective, actionable insights into the mortgage and housing markets.

Black Knight’s Index Suite

Based on our comprehensive data assets, and more than 20 years of modeling and analytics expertise, the Index Suite delivers unmatched depth, coverage and currency. Updated continually, the Index Suite is comprised of two series: a Mortgage Market Index and a Housing Market Index. The Housing Market Index includes previously unavailable insights into the supply side of the housing market.

DISCOVER OUR CONSULTING SERVICES AND GET CUSTOMIZED SOLUTIONS

Advisory Services

Our experienced consultants can deliver customized solutions. Relying on our unparalleled data, powerful analytics and deep industry experience, Black Knight’s Advisory Services consultants work closely with you to help achieve your business goals.