One platform — application to payoff.
Private lenders, MIC funds, syndicated, commercial, and construction lenders run their entire book on Mortgage360. Origination, underwriting, capital markets, loan management, investor portal, compliance — all on one chassis.
From first application to final payoff.
Every stage of the loan, every persona on your team, every regulator-required report — on one platform, with one audit trail.
Broker submits via your branded intake. The platform scores fit, dedupes, and pre-ranks the queue by appetite + risk.
Scenario hub, GDS/TDS, BFS, stress test. RatePulse PPE cascades across your lender envelopes with LLPAs applied.
TRID timing gate hard-blocks problems before they happen. Commitment letter builder. E-sign. Wire signed off.
Per-diem servicing, escrow, modifications, payoffs. Investor distributions, T5s, FSRA AIR — one click.
The funding desk, finally modernized
Inbound submission queue with auto-scoring. Pre-mapped condition templates. Commitment letter builder. TRID timing gate. Per-broker scorecard. Capital-markets dashboard. Everything the lender-side team needs, on one chassis.
- Submission queue with appetite/risk scoring + reorder
- RatePulse PPE — cascade across every lender envelope
- TRID timing gate — §1026.19(e) + (f) all enforced
- Commitment letter builder — version-aware, signed, audited
- Broker scorecards visible on every submission detail
| Product | Base | LLPAs | Effective |
|---|---|---|---|
| Lender A · 5yr fixed | 4.84% | +0 | 4.84% |
| Lender B · 5yr fixed | 4.79% | +10 | 4.89% |
| Lender C · 5yr fixed | 4.99% | −15 | 4.84% |
| Lender D · 5yr ARM | 4.59% | +0 | blocked |
Servicing math you can audit
- ✓ Per-diem accrual (365 vs 360)
- ✓ Monthly accrual (30/360 vs Actual)
- ✓ IRD method A — present value
- ✓ IRD method B — interest differential
- ✓ Banker's rounding (even)
- ✓ Escrow analysis aggregate ratio
- + 44 more tests
Run a complete MIC operation
From offering memorandum to T5061. Subscription wizard with accreditation verification, DRIP, redemption rules, unit price NAV, automated cap-table. Investor portal with IRR/TVPI/DPI metrics, distribution history, watermarked data room.
- 8-step e-subscription wizard with KYC + accreditation gates
- Per-class unit pricing + DRIP + redemption windows
- Pro-rata distributions, withholding tax, T5/T5008/NR4 generation
- Investor portal: holdings, IRR/TVPI/DPI, statements, watermarked data room
Draws, holdbacks, and inspector mobile
Built for the way real lenders work
Not a generic CRM with mortgage labels. Every screen is shaped by Canadian + US regulations and feedback from real production lender books.
Origination workbench
Pipeline, applications, conditions, submissions. Filogix 2-way sync with 1,047-field parity.
Lender portal
Submission intake, ranking, broker scorecards. TRID timing gate. Commitment builder.
RatePulse PPE
Live pricing cascade across 350+ lender envelopes with LLPAs, tolerance buckets, eligibility scoring.
TRID timing gate
Hard-blocks funding when §1026.19 timing rules are violated. Citation + remediation hints.
Commitment builder
Version-aware. Broker viewed / accepted tracking. PDF generation. E-sign envelope.
Loan management
Daily / monthly / per-diem accrual. Escrow, modifications, payoffs. Golden-test verified math.
Trust accounting
Per-trust account, reconciliation against bank statements, FSRA AIR-ready exports.
Construction draws
Cost-code structured, province-specific lien holdback, inspector mobile, PCA auto-generation.
Arrears + collections
Aging buckets, dialer hand-off, NSF auto-flag, demand-letter generator.
Foreclosure
Province-specific timelines, power-of-sale + judicial-sale workflows, receiver collaboration.
Renewals + mods
Auto-trigger 90 days out. Pre-staged offers. Borrower self-serve approval flow.
MIC + fund management
Cap table, NAV, share classes, distributions, T5/T5008/NR4, 8-step subscription wizard.
Investor portal
Holdings, IRR/TVPI/DPI, statements, tax docs, watermarked data room with audit log.
Syndicated lending
Multi-investor allocation per loan, pro-rata distributions, per-investor scorecards.
Reg reports
FSRA Annual Information Return, FINTRAC LCTR / STR, MBLAA quarterly, audit packs.
Capital markets
Live AUM, WAC, vintage, concentration analytics. Daily 'state of the book' summary.
Compliance + audit
AML / PEP / sanctions. Per-deal evidence packs. Step-up MFA on privileged actions.
Documents + verify
Smart Docs with category navigation, per-doc approval workflow. Auto-classification.
The assistants on the lender desk
Two assistants embedded in the platform handle the routine work — pricing, compliance, capital-markets analysis — so your team focuses on the judgment calls.
Runs RatePulse PPE cascade. Scores every inbound submission for fit + risk + revenue. Watches concentration and flags emerging risk before it hits the book.
Auto-classifies every document. Runs AML / PEP / sanctions / adverse media. Validates IDs with MRZ + AAMVA. Builds the audit evidence pack for every deal.
Running a multi-tenant network?
Whether you operate a single private lender, a national MIC fund, or a franchise network like Dominion Lending Centres, Centum, or TMG, Mortgage360 Enterprise gives the parent organization brand control + revenue oversight, and each tenant a modern day-to-day operating platform.
Approve files from anywhere.
The Mortgage360 mobile app (iOS + Android) gives your underwriting + funding desk approval workflow on the go. Inspector mobile is already live for construction lending.
Built for Canadian private lenders, MICs, and commercial lenders
Mortgage360 is built specifically for the regulated lender. FSRA / MBLAA / FINTRAC compliance, T5 / T5008 / NR4 tax-doc generation, OSFI B-20 stress-test math, TRID timing rules, and per-province construction-lien holdback — encoded into the platform, not bolted on.
What you get when you switch
- One chassis for origination, underwriting, lender portal, LMS, investor portal, MIC management, compliance, and reg reporting.
- Filogix two-way sync (1,047 fields) — keep the broker side using Filogix while your underwriting team works in Mortgage360.
- RatePulse-powered PPE cascade across every lender envelope with LLPAs and eligibility blockers.
- Investor portal that LPs actually open — IRR/TVPI metrics, watermarked data room, tax docs ready January 1.
- Audit-grade math on every servicing calculation. 50 golden tests run on every deploy.
Who Mortgage360 is built for
Private lenders, MIC funds, syndicated structures, commercial lenders, construction lenders, multi-agent brokerages, and multi-tenant franchise networks — from single-office shops to multi-province networks. Real, named customer references publish on the customers page as each one signs off on the metrics.
How to get started
Enterprise customers (typically lender or multi-tenant) start with a paid pilot scoped to your use case. Use the pricing page to compare tiers or book a discovery call.
See it on your real-world deals
A discovery call lets us scope a paid pilot tailored to your book — origination, LMS, investor portal, or all three.