The LenderCX platform
Not a roadmap — a live platform at www.lendercx.net, verifiable in a demo. Here is what your team gets on day one.
Modern step-wizard — tap-to-advance choice cards, autosave & resume, conditional paths (purchase/refi, self-employed, co-borrower), self-building review screen. Quick app and full URLA included as templates.
Drag-and-drop forms with 20+ field types, multi-step journey designer, state-machine workflows with tasks & document requests, visual + SQL report builder, PDF template designer, custom tokens.
Admin-authored API endpoints publish any report or form as a secure integration; a scheduler runs reports, exports, and workflows on a cron; an event registry wires platform events to actions.
Bidirectional field sync on a 466-field admin-managed registry: pipeline, milestones, documents, rate locks, loan creation, one-click deep sync, diff-based write-back with dry-run safety.
An embedded companion runs inside the loan officer's Encompass window — two-way borrower texting, keyword-driven authorization workflows, live loan-party recipients. Support for ICE's next-generation Encompass Web is already built.
Soft-pull credit ordering through the bureau integration, and text-message authorizations: the borrower replies a keyword, the platform files the signed authorization letter to the eFolder and stamps the loan.
SMS/email payment requests, hosted pay page (card + ACH) with in-browser tokenization — card data never touches our servers (SAQ A posture) — receipts, and automatic Encompass fee write-back.
Two-way SMS with consent management, templated email, automated messages routed by party role, NPS surveys, and coordinate-placed e-sign with multi-recipient counter-signing.
Uploaded paystubs, bank statements, and W-2s are read in our own cloud — fields extracted, the application pre-filled, disagreements flagged for staff review. Raw documents never sent to an outside AI.
The platform notices a stalled application or an overdue document and chases it conversationally over text — consent-gated, with AI-drafted replies staff approve before anything sends.
Self-serve pre-approval letters the borrower or their agent regenerates at any offer price within LO-set bounds, plus a referring-agent portal with live milestones and document status — firewalled to borrower name and contact info only.
Parent portal authors the golden experience; one-click distribution to child portals with drift detection. Each child re-skins the entire product — colors, type, logo — from a branding editor.
LOS-synced pipeline, loan detail with live milestones, docs, rate locks, loan-team assignment, custom fields, and one-click Encompass sync & push — plus an installable staff workspace.
A progressive web app borrowers and staff install on any device, with passkey (biometric) sign-in, push notifications, and a mobile-first surface on every screen.
Import/export bundles, a template library, and tiered module entitlements — a new lender portal stands up from templates in days, not implementation quarters.
How it compares
| Capability | LenderCX | Typical incumbent POS |
|---|---|---|
| Out-of-the-box application | Yes | Yes |
| Lender-editable forms & fields | Full builder | Config only |
| Lender-editable application journeys | Visual designer | Vendor ticket |
| Lender-editable workflows & automation | State machine + actions | Partial / vendor |
| Lender-built reports & documents | Visual + SQL, PDF designer | Canned |
| White-label child portals with inheritance | Native | Basic branding at best |
| Admin-managed LOS field mapping | 466-field registry | Vendor engagement |
Directional comparison based on public product documentation. Configuration ≠ composition: incumbents allow parameter changes inside vendor-defined structures; LenderCX lets the lender author the structures themselves.
A demo takes an hour, and the reskin happens in front of you — that's the point.