Connected solutions across the lending lifecycle.
Unify and optimize every aspect of the lending process with modern composable solutions, intelligent AI, and advanced automation.
Lending Hat offers unified, modular solutions across the entire loan lifecycle allowing lenders to modernize technical infrastructure and achieve new levels of operational efficiency and innovation.
Legacy Lending Tech
Legacy lending infrastructure prohibits lenders from enabling modern capabilities.
Fragmented Systems
Disconnected systems and siloed data across applications and processes.
Inefficient Operations
Inaccessibility of actionable, real-time customer and loan data.
Technology Bloat
Expensive and overly complicated technology infrastructure.
Inability to Innovate
Development and adoption of modern capabilities is slow and unreliable.
Unified Lending
Lending Hat’s modern core infrastructure unifies and connects all data in real-time.
Unified Data Infrastructure
Real-time data synchronization to modern core’s single source of truth.
Integrated Systems
Deep integration of real-time data across borrowers, loan products, and processes.
Advanced AI Capabilities
AI-driven insights and optimization integrated across the platform.
Powerful Automation
Highly-customizable workflows throughout the entire lending process.
The Future Of Lending
Modernize every part of the lending process with Lending Hat.
Lending Hat Platform
Connected solutions across the entire customer lifecycle.
Marketing Hub
Engage
Connect with new borrowers and improve conversions across every line of business.
Acquire More Applications
Grow your pipeline of new borrower applications and lending opportunities with lead source aggregation and advanced automation capabilities.
Improve Applicant Quality
Accurately target high-quality borrowers and improve loan applications using real-time data sources and integrated engagement tools.
Lower Cost Per Application
Reduce advertising spend and cost per competed application with advanced targeting and high converting marketing automation.
Loan Origination
Application
A modern loan application experience that drives completions and enables intelligent automation.
Modern User Experience
Deliver your borrowers an intuitive loan application experience that streamlines document collection and securely shares financial data.
Increase Completion Rate
Minimize abandoned loan applications with seamless experience across channels and pre-built automation workflows.
Enhanced Document & Data Collection
Seamlessly collect documents integrated OCR and automatically pre-fill fields with data from trusted sources for a fast and accurate application experience.
Loan Origination
Underwrite
Automate decision making using proprietary, alternative, and traditional trended data sources.
More Approvals with Less Risk
Increase loan approvals while minimizing default risk with a predictive, self-learning AI decisioning system trained on proprietary, alternative, and traditional trended data.
Accurate & Automated Decisioning
An AI lending assistant trained to provide insights to loan officers while assisting borrower through the underwriting process.
Improve Policy & Regulatory Compliance
Automatically cross-check application inputs with verified data to validate critical decision endpoints and reduce risk.
Loan Origination
Book
Modern borrower experience with seamless integration for faster onboarding and better engagement.
Seamless Onboarding Experience
Effortlessly onboard new borrowers upon approval and ensure required actions with pre-built communication workflows.
Modern Borrower Portal
Give your borrowers a simple and intuitive portal for making and tracking loan payments that intelligently presents offers for new loan products.
Real-Time Integration & Sync
Instantly synchronize all borrower, payments, and financial data with a single source of truth for real-time data accuracy across your lending business.
Loan Management
Service
Manage individual borrowers and your full loan portfolio to reduce delinquency and risk.
Pre-Delinquint Workflow Management
Automatically detect at risk accounts and create automated workflows to increase borrower recovery rates or accelerate the collections process.
Custom Rules & Policy Configuration
Customize loan policies and offers based on bank rules, business logic, workflows, and borrower history.
Custom Portfolio Dashboards
Create rich analytics dashboards to visualize and monitor data across your entire lending business to improve decision making across teams.
Collections
Collect
Effortlessly manage collections, disputes, and hardship assistance with intelligent automation.
Simple Dispute Management
Verify, manage, and reconcile payment disputes faster and more accurately with automated case management communications.
Hardship Assistance Automation
Improve analysis and decisions for granting hardship assistance requests with AI recommendations.
Optimize Collections Process
Predict when delinquent accounts are likely to self cure to prioritize collections resources for accounts with the greatest risk of default.
Collections
Payoff
Automate closure, reporting, and customer communications at payoff.
Integrated Account Closure
Seamlessly close loan accounts and automate manual business and compliance processes at loan payoff.
Compliant Credit Reporting
Generate credit reporting compliance documents and ensure their accuracy with machine learning.
Individualized Payoff Automation
Deliver automated marketing campaigns tailored for each individual borrower at completion of loan repayment.
CRM
Cross-Sell
Surface the best loan products and automate marketing campaigns for high conversion.
360° Borrower View
Aggregate all borrower data and payment history across products and lines of business for actionable insights across the lending process.
Product & Action Recommendations
Surface the best cross-sell opportunities for each borrower and get recommendations for converting offers on new loan products.
Cross-Selling Marketing Automation
Use pre-built and customizable automation sequences across channels to market additional products and drive conversions.
Marketing Hub
Re-Engage
Targeted omni-channel messaging and recommendations for re-engaging inactive customers.
Re-Engagement Automation Sequences
Win back past borrowers with omni-channel campaigns tailored to their past loans and borrower history.
Next Best Action Engine
Understand the next best actions and opportunities for connecting with inactive customers with LendAssist.
Intelligent Marketing Segmentation
Use automated segmentation to target borrowers with tailored messages and offers in the channels they are most likely to engage with.
Why Lending Hat
Enable new capabilities across your lending business.
When connecting our modules across multiple lines of business and throughout the customer lifecycle, institutions unlock a new layer of capabilities.
Intelligent AI Capabilities
Enable AI capabilities and real-time insights across the lending process to improve decisions, reduce risk, and increase high-quality lending opportunities.
Fully Configurable Automations
Pre-built automations with deep customization abilities allow your team to optimize workflows, minimize time-consuming tasks, and get better results.
Unified, Modern Tech Stack
Lending Hat's unified architecture creates a single source of truth for data which updates in real-time, enabling modern capabilities that legacy infrastructure can’t deliver.
Enhance Security & Compliance
Improve your security and compliance with less vendors, modern security frameworks, and embedded compliance checks integrated throughout processes.
Learn More
Discover the benefits of unified lending technology.
Schedule a demo to see how Lending Hat can unlock innovative capabilities for your lending business.