Become a high performance mortgage business

Mortgage Lending

Riivos Mortgage Lending provides continuous value chain management to mortgage lenders. Changes to business drivers ripple throughout financials and through time, while highlighting where profitability and liquidity are leaking away. End-to-end visibility into the transactional flow through your value chain enables strategic planning, forecasting, budgeting and reporting.

How Mortgage Lending benefits your business

See the future

Model strategic options before you execute on them, creating scenarios with various sets of business driver values that are powerfully visualized

Plan with confidence

Plan and budget more effectively, produce more accurate forecasts, compare plan to actuals with ease, and – if needed – quickly change course

Keep your team motivated and accountable

Provide access to the entire organization so that each responsible person can contribute their part to the planning process, each with appropriate permissions and access rights

Learn from industry best practices

Best practices are built right into the product, and also recommended by our team of mortgage industry experts as they become familiar with your operations and implement the product with your data

Avoid key person risk

Keep your valuable strategic plans and budgets in an enterprise-class application, provided by an industry-respected vendor who is available to provide support regardless of your personnel changes


  • C-level Executives
  • Board of Directors
  • Finance Team
  • Corporate Department Heads
  • Fulfillment Department Heads
  • Branch Managers

Key features

  1. Preconfigured calculations for key assets: IRLC, LHFS
  2. Value chain forecasting by any or all dimensions: branch, cost center, channel, product
  3. Standard dashboards for financials, operations, and key-metrics
  4. Multi-user, cloud-based, secure access enables collaboration
  5. User comment blocks, plus system audit trail of history of changes
  6. Data connectors and integration with industry standard GL, LOS and Payroll software

Case Study


  • Independent Mortgage Bank
  • ~$1bn originations
  • Retail, Wholesale, Servicing
  • 22 Retail branches
  • Goals: Grow business in new wholesale channel, improve profitability and grow volume in branches, add high-performing branches


  • Warehouse line management
  • Branches: business plans submitted annually, no way to monitor and project volume or financials
  • Running scenarios in spreadsheets is time consuming


  • Riivos Mortgage Lending
  • Integration of data sources: GL, LOS, Cap Markets, Payroll
  • Branch financials updated monthly in Riivos
  • Branch accountability
  • Management review via dashboards
  • Management visibility into branch pipeline (including production costs)
  • Riivos-generated reports streamline decision making

Value creation

  • Identified source of margin erosion to improve realized gain on sale
  • 20 bps margin improvement
  • Added 2 new high-performing branches
  • CEO can view P&L, balance sheet and cash flow, and run on-the-fly scenarios from any device