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How it works

Efficient lending with a loan origination system workflow

From application to close in six steps - intake, verification, automated underwriting, real-time status, closing, and post-closing handoff, all in one system.

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In short: The Nexys workflow runs a loan from application to close in six steps: submission by broker or borrower, automated document collection and verification, automated underwriting against your criteria, real-time status for everyone, approval and closing with compliance checks, then post-closing handoff to servicing.

The workflow

From application to close in 6 steps

Each stage hands the next one a complete file, which is what keeps the loan moving without re-keying or chasing paperwork.

1

Application Submission

Brokers can quickly enter borrower information through a user-friendly interface, or the borrower can complete the application themselves using a secure online portal.

2

Document Collection & Verification

Nexys automates the collection of necessary documents, such as income verification, credit reports, and asset information.

3

Automated Underwriting

Once all information is submitted, the automated underwriting engine reviews the borrower's details against your pre-configured lending criteria.

4

Real-Time Status Updates

Brokers and borrowers receive real-time updates on the loan's progress, so nobody has to chase a status by phone or email.

5

Loan Approval & Closing

Once approved, Nexys guides you through the final steps of the loan process, including compliance checks and document signing.

6

Post-Closing Integration

Nexys integrates with loan servicing platforms to ensure a smooth handoff and onboarding once the loan is closed.

Inside the stages

What each stage actually does

The same file, moving through intake, verification, and decision.

Intake

One application, two ways in

Brokers key the file in directly, or the borrower self-serves through the secure portal. Either path lands in the same pipeline with the same data model behind it.

  • Broker entry through a guided interface
  • Borrower portal for self-service applications
  • One pipeline regardless of how the file arrived
Verification

Documents collected and checked automatically

Income verification, credit reports, and asset information are gathered by the system rather than assembled by hand across email threads.

  • Income and asset verification collected in-file
  • Credit and flood pulls attached to the loan
  • AI fraud detection screening documents
Decision

Automated underwriting against your criteria

The underwriting engine reviews each file against the lending criteria you configure, so the routine decisions clear quickly and the exceptions get a human.

  • Pre-configured criteria you control
  • Conditions tracked on the file
  • Compliance checks before closing
Platform tour

See the workflow running

A short walkthrough of the automation that moves a file between stages.

Workflow automation

Automation between every stage

How Nexys automates the repetitive steps of origination so your team spends its time on borrowers instead of hand-offs.

One system, end to end

Application, underwriting, closing, and servicing handoff without leaving Nexys

Because each stage writes to the same loan file, the borrower portal, the underwriting engine, and the closing checklist all read the same data - no re-keying between systems.

6 stepsapplication through post-closing
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One platform

Explore the rest of the platform

Origination, CRM, servicing, and pricing share one source of truth, add the pieces your team needs next.

Loan Origination SoftwareEnd-to-end origination, underwriting, and closingExplore Loan Origination Software
Mortgage CRMLead capture, scoring, and borrower engagementExplore Mortgage CRM
Loan ServicingAccounting, invoicing, and portfolio managementExplore Loan Servicing
Loan PricingRisk-based pricing with real-time rate lockingExplore Loan Pricing
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Walk the workflow on your own loans

Book a demo and we'll run your loan types through the six stages live.

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