// the platform
One platform. The whole life of a loan.
Use a subset or all of it — same platform, same data. The loan is born once and keeps its identity from application to investor.
[01]
Origination
Application to clear-to-close in one file.
[02]
POS
Borrower-facing, on the same data.
[03]
Pricing / Lock / Hedging
Price, lock, and cover in place.
[04]
Secondary & Trading
Commit and deliver without re-export.
[05]
Servicing
Board with no transfer file.
[06]
Default & Loss-Mit
Workouts on the loan's own history.
[07]
Docs & eVault
eClose and store the authoritative copy.
[08]
Compliance & QC
Checks run on the live record.
Use a subset or all of it — same platform, same data.
The loan is born once. Everyone downstream inherits it.
No re-keying. No reconciliation. No transfer file that drifts from the system it came from.
loan_id
One identity for life
From the first application keystroke to the investor's portfolio. No copies, nothing to reconcile.
$0
Free for brokers
The wedge. If the loan is born here, everyone downstream has a reason to stay.
agentic
AI-native workflows
Agents designed into the data model, not stapled onto a forms engine after the fact.
snapshot
Versioned guidelines
Every loan keeps the guideline version it was underwritten against. Replay any decision.
MISMOMISMO-compatible at the edges — clean data inside, standards-compliant where you exchange.
the old way
bolted-on (legacy)
— AI is a chat box on a forms engine
— Data lives across eight screens
— Every handoff is an export
— Guideline version is a mystery
loanboxd
born this decade
— Agents read and act on the model
— The loan is one object
— Handoffs inherit, never re-key
— The guideline version travels with the loan
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