Prism
LenderToolkit.com
Meeting Modern Mortgage Expectations
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Streamlining the Mortgage Process
Encompass has limitations. The right tools can help. Unlock its full potential. Improve your mortgage process. Enhance efficiency. Boost borrower satisfaction.
Admin Hours
Maximizing efficiency and minimizing downtime with our expert admins proactively monitoring, providing maintenance, or giving rapid response troubleshooting. Our team ensures everything is running smoothly, allowing lenders to focus on lending while we handle the technical heavy lifting.
Web Readiness
Taking lenders one step closer to the full Encompass on the web with LO workflows, automation, eFolder, or enhanced conditions to transition in bite-sized, manageable pieces. This package pairs nicely with product offerings.
Consulting
We unlock hidden potential as our experts work closely with the lender to pinpoint areas of improvement and provide actionable recommendations to enhance productivity, reduce wasted time, and increase profitability with customized solutions.
Custom Development
We work quickly to understand the uniqueness of each business model and bring Encompass solutions to life. Working quickly and effectively, our team is saving lenders money and time so they can realize ROI faster. Need Encompass SDK to API Transition plan? - we’ve got that covered.
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Empowering humans, enhancing potential, & increasing profits
Disclosure Automation
  • Empower loan officers.
  • Ensure compliant disclosures.
  • Lower costs.
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Post Close Automation
  • Decrease overhead.
  • Improve margins.
  • Automate essential data transfers.
Investor Delivery
  • Improve data integrity
  • Deliver loans within one hour of allocation.
Prism
  • Automate initial file review.
  • Ensure accurate income calculations.
  • Identify potential risks.
The Future of Mortgage Processing
Prism isn't just another tool—it's the right tools, working together as one. It unifies and optimizes your loan process in a single, transparent, and trusted platform.
No more piecing together disconnected solutions—Prism unifies and optimizes your loan process in a single, transparent, and trusted platform.
1
Automated Indexing & Extraction
Advanced AI/ML technology automates document indexing and data extraction.
2
Income and Asset Analysis
Supports all major loan products, ensuring compliance and accuracy.
3
Streamlined Decision-Making
Pre-built automated conditions help identify issues and streamline decisions.
The Automated Workflow
1
Application
LO runs AI Underwriter. Gets real-time responses. Disclosure Automation sends accurate package.
2
Processing
AI Underwriter creates customer-focused needs lists. Prism calculates income for pre-approval.
3
Underwriting
UW reviews pre-underwritten file and doubles their production and accuracy.
4
Closing
Closing receives clean loan files with updated data.
5
Post Closing
Every closed loan is audit-ready, defect-free, and investor-compliant.
Impact of Lender Toolkit: A Case Study by Vice Capital Markets
Lock Extension Fees
Industry Average: 12.5 basis points for 5-day extension
Our Impact: Reduced extensions by 5%
Loan Rejections
Industry Average: 1 rejected loan per $10MM sold
Our Impact: 50% reduction in rejected loans
Repurchases
Industry Average: 1 repurchased loan per 125 loans
Our Impact: Over 60% reduction in repurchases
Critical Defects
Industry Average: 7% defect rate
Our Impact: Reduced defect rates to 5% with less than 1% being critical
Power with the Push of a Button
Automated Indexing & Extraction
Prism utilizes advanced AI/ML technology to automate document indexing and data extraction. This significantly reduces manual effort, improves accuracy, and speeds up the entire process.
Support for All Major Loan Products
Prism supports all major loan products, including FHA, VA, Conventional, USDA, and non-QM loans. It provides comprehensive income calculations and asset analysis, ensuring compliance and accuracy.
Streamlined Decision-Making
With pre-built automated conditions, Prism helps you identify potential issues and streamline decision-making. It also provides customizable options to tailor the tool to your specific needs.