Plat LOS

Plat LOS is a cloud-based loan origination platform designed for lenders and banks. It brings the entire lending workflow—application, underwriting, stipulations, decisioning, documents, and funding—into one connected platform, helping underwriters, processors, brokers, and lending teams manage the process with less complexity. The platform emphasizes automation and AI-assisted underwriting to support faster decisions while keeping human oversight. It is built around home improvement financing, including tools for evaluating requests, reducing costs, and improving the applicant experience.

The platform enables configuration of workflows, underwriting rules, products, approvals, integrations, and processes to fit how a lender operates. It supports automation, intelligent workflows, and real-time data to move applications forward quickly while preserving control over decisions that matter. It aims to adapt as a lending operation evolves, offering flexibility and scalability across a lender’s organization.

Plat LOS highlights automation, configurable rules, and integrations as core elements. It combines intelligent automation with AI-assisted underwriting, offering real-time decisioning and a dynamic workflow engine across origination, review, stipulations, and funding. Security features and access controls are emphasized, along with a focus on customer experience and streamlined processes for home improvement lending.

The product page notes integrations and platform capabilities, including real-time data exchange, borrower and merchant portals, security features, and multi-tenant controls. It mentions Plaid for income and bank data, data providers for property verification, e-signatures, and payment rails, with cloud hosting, reliability, and monitoring. It also references the platform’s emphasis on home improvement verticals and readiness to integrate with existing underwriting processes.

Use cases

• Lenders evaluating home improvement financing requests to improve efficiency and customer experience.
• Banks and lenders needing compliant credit reporting and data exchange.