One connected system for borrowers, loan files, documents, rate locks, conditions and commission.
Manage a loan origination pipeline in one system. Each borrower has a record with household, income and property details, and each loan file carries its checklist, quote, lock date and underwriting conditions. Estate agents and builders who send loans are linked to them. Commission is worked out from funded loans, so officers and managers read one record.
- Loan types, checklists and stages entered as your lender or brokerage works
- Borrower list, open files and lock dates brought across before the first day
- Edits to checklists and message templates handled by GullySystem staff on request
Loan officers, mortgage brokers and origination teams get this system from GullySystem. Officers, processors, closers and branch managers use it. Each loan file holds the borrower, the document checklist, the quote, the lock date, conditions and closing steps. Partners who send loans, and commission, are tied to the funded loan.
What goes wrong before the software.
How the work flows through it, step by step.
- 1
Enquiry
A lead arrives from a referral partner, a past client or the website. A borrower record is created and linked to its source.
- 2
Application
The borrower’s household, income, assets, debts and property are recorded, and the checklist for the loan type is generated.
- 3
Quote and lock
A rate and estimate are recorded for the borrower. When the rate is locked, the lock date and expiry are entered and watched.
- 4
Processing and underwriting
Documents are checked, verifications and appraisals are ordered, and the file moves to underwriting with each condition logged as it returns.
- 5
Closing and funding
Conditions are cleared, the signing is booked, and the file moves to funded with the final loan amount recorded.
- 6
Commission and thanks
Once funded, the commission comes from the loan amount and the officer’s plan. The referral partner receives a thank-you and the loan joins their history.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
The business modules it is built from.
Each one is also available on its own, or inside a system built for you.
- Contact & Account Management
A borrower and any co-borrower are separate people on one household file, with income and contact history kept together.
- Document Management
Pay records, statements and property papers attach to the checklist item they answer, and each is marked received, rejected or waived.
- Pipeline Management
Every loan sits on a board by stage with its amount, owner and days in stage, so stalled files show first.
- Service Reminders
A lock expiry or a moved closing date raises a reminder to the officer and processor before the rate is lost.
- Task Management
Each underwriting condition is a task with an owner and due date, linked to the document that clears it.
- Lead Management
Every enquiry records the partner or channel it came from, so volumes and funded loans can be read by source.
- WhatsApp, SMS and Email Notifications
Document reminders and stage updates go to the borrower and the referral partner from the file, and each message is stored.
- Commission and Incentives
The officer’s plan is applied to the funded amount and branch fee, producing a statement that matches the agreement.
How we would put it in.
Setup, data migration, integrations and anything built on top.
Tools it connects to.
Each connection is scoped for your own account, one data flow at a time.
One system, each person sees their part.
For loan officers
See your pipeline by stage, upcoming lock expiries, open conditions and the borrowers who owe documents.
For processors
Work the document checklist, order verifications and appraisals, and move complete files to underwriting.
For closers
Follow cleared conditions, book signings and confirm the funding step for each loan.
For the branch manager
Read the pipeline for every officer, locks at risk, funded volume and the commission payable.
For partners who send loans
Receive status updates on the borrowers they sent, without calling the officer for each one.
The numbers the owner asks for.
- Pipeline by stage, officer and loan type
- Rate locks by expiry date
- Open underwriting conditions by owner
- Documents outstanding by borrower
- Funded loans by month and referral partner
- Fallout by stage with the reason recorded
- Commission statement by officer
Who this is built for.
- Mortgage loan officers working as individuals or in a team
- Mortgage brokerages with processors and closers
- Bank and credit union branches with originators
- Personal and business lending teams that take applications
- Originators who work with several estate agents and builders
When it is not the right choice.
- A lender that only collects instalments on existing loans needs Loan Management System instead.
- An officer with a few loans a quarter can manage a notebook and an email folder.
Adapted to your business before it goes live.
You are not handed a login and left to it. The product is set up around your records, your people and the tools you already use.
Works alongside
- SMS
- Calendar
- Document e-signature
- Loan origination or credit system export
- Accounting export
Questions owners ask before a demo.
Is it a loan origination system for lenders?
It covers the officer’s side: borrowers, files, documents, locks, conditions and commission. A lender’s core decision engine stays where it is, and results are recorded here.
How does it keep track of a rate lock?
The lock is entered with its rate, term and expiry. The file shows days left, and the officer and the processor are warned before it lapses or the closing date moves.
Can it list all the underwriting conditions?
Yes. Each condition is a separate item with an owner, a due date and the document that answers it. The file shows how many remain before closing.
Can borrowers upload documents themselves?
Yes. The borrower gets a link to the checklist for their loan and uploads against each item. Staff see what has arrived and what is still missing.
Does it work for brokers who place loans with several lenders?
Yes. A file may hold several lender quotes, and the one the borrower picks is marked as chosen. Conditions and locks follow the chosen one.
How does it treat borrower privacy?
Access follows role and file assignment, and every view and edit is recorded. Retention and consent settings are reviewed with your compliance lead during implementation.
Can we track which partner sent each loan?
Yes. Every borrower has a source, and a referral partner’s page lists the loans they sent, their stage and the amounts funded.
Can the live pipeline be loaded?
Provide the pipeline sheet or export. Borrowers, open files, lock dates and partners are loaded, and a processor checks a sample of files before the switch.
What does it cost?
Cost depends on how many officers and processors use it and what is connected. A walk-through with the branch manager leads to a written proposal.
Wondering what it costs? Six questions give you a written scope and the buckets any quote should separate.
Businesses that use this.
Related products.
See Loan Officer Management Software with your own data.
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