Direct Lending

Over the past 20-plus years, CMSI's sole focus has been the development of software solutions and services for automating consumer credit processes. During these years we have helped customers develop a powerful and competitive edge to distinguish themselves from their competitors. Specializing in innovating new credit automation software that offers powerful functionality, CMSI’s extensive experience gained through interaction with top direct lenders has been translated into software that materially streamlines the credit analysis process.

CMSI has extensive experience in delivering fast, efficient, configurable, and user-friendly application processing systems to some of the largest and most volume-intensive banks and finance companies in the country. We leveraged our experience to design and build Origenate®, the successor to our flagship CreditRevue® system. Origenate is based on the latest industry standard technology, is browser-based, and includes CMSI’s robust, user configurable decision engine, eValuate™. Developed from the ground up to incorporate the CMSI functionality that has been in use by major consumer lenders, Origenate automates the entire credit granting process from application entry through booking and funding. With its sophisticated decision engine, advanced workflow and screens designed to enhance navigation and processing speed, Origenate improves loan quality while reducing risk and decisioning time.

These are just a few of the competitive advantages Origenate offers:

Browser technology that facilitates rapid deployment, centralized control, easy, intuitive navigation, and enterprise-wide usability
Functionality based on years of input from the country’s top lenders
Advanced, intuitive user interface that promotes ease-of-use, faster processing speed, and improved productivity
Unparalleled flexibility in the area of credit risk and pricing strategies thanks to the eValuate decision engine

Our staff has a wide variety of home-based lending systems experience, and includes several former home equity lenders. As a result, Origenate incorporates real-world experience that makes it well suited to support organizations that desire to reduce data entry and manual processing and speed up the home-based credit decision process.

CMSI offers lenders the ability to connect to electronic title, appraisal amd flood (TAF) services. Origenate also offers the ability to request and utilize merged bureau data from First American CREDCO, a leading provider of innovative credit reporting and credit information solutions. Merged bureau data can be a vital ingredient in your ability to fully understand the consumer’s credit picture when assessing the risk associated with home equity lending.

Further, Origenate incorporates functionality that can broaden your connection to crucial decisioning information. Through an interface to the CMSI Exchange, a service that connects a single Internet gateway to a host of outside sources, your organization, once connected, can exchange data with more than 400 real estate vendors nationwide.

And the benefits don’t stop there. Origenate can be tailored to support cross-sell actions and offer a variety of document prep systems to suit your strategy. Origenate can incorporate pertinent data into templates developed by your legal counsel or templates supplied by leading compliance vendors. If you outsource document production, Origenate can deliver data for integration into the vendor’s forms

Origenate offers true end-to-end automation of the direct lending process, from origination through contracting and funding. Enjoy the benefits of lower operating costs, reduced paperwork, faster processing, improved contract quality and better customer service.

Find out more about the benefits Origenate can deliver to your direct lending operation by clicking here.