Loan Origination

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What is Loan Origination?

In finance, origination is the process of a borrower applying for a loan or mortgage and the lender approving it. The procedure entails the borrower submitting a loan application and appropriate financial papers, the lender reviewing the application, and acceptance or rejection of the application. It is done with loan origination software.

A lender processes a borrower’s application for a new loan during the origination process. Origination comprises all stages, from accepting a loan application to disbursing funds.

Loan Origination is a credit assessment for pricing and lending decisions. It is different from underwriting, a risk assessment used by Insurance. There are four stages of the loan origination process, i.e., prequalification, application, credit appraisal, and funding.

What are the business benefits of Loan Origination?

  • Loan origination automation optimizes the process for a lender of lending a financial loan by automated disbursement of the loan.

  • It enhances customer experience with the digitization process of loan approval and disbursement within a specified timeframe, i.e., improved efficiency.

  • It streamlines the lending process of a loan by providing transparency and proper compliance with government rules and regulations at different stages.

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