Loan Origination
Service (LOS).
From application to
funded loan — in days,
not months.
Metagens LOS handles digital onboarding, KYC/KYB, application intake, credit assessment, policy-based decisioning and disbursement on one data model. Run it on its own, connected to the loan management system and core you already have, or as part of the full Metagens platform.
- Decisions in minutes, against your own credit policy
- Products, rules and approval matrices configured, not coded
- Runs standalone with your existing LMS and core
- Every decision, override and approval traceable to disbursement
Who this is for
- Lenders whose origination is slow, manual or spread across spreadsheets and email
- Teams running a capable LMS they intend to keep, but an origination process they do not
- Fintechs and digital lenders launching a new product who need origination live quickly
- Banks and credit unions entering a new segment without touching the core
- Platforms embedding lending who need decisioning and onboarding behind their own front end
Who this is not for
- Teams that need only a document-collection or e-signature tool — this is a full origination system
- Lenders replacing origination and servicing together — start at Replace a Fragmented Lending Stack
- Businesses not ready to define their credit policy as configurable rules
What you get
Everything between an application arriving and money leaving — on one data model, with one audit trail.
Applications from any channel
Web, mobile, branch, agent, partner API or bulk file. Same pipeline, same rules, same record.
Decisioning you control
Rules engine, scorecards, bureau integration and custom models. Change a policy without a release.
Straight-through where it is safe
Automate the clear approvals and clear declines. Route the rest to a human with the full file attached.
Configured, not customized
Products, pricing, fees, eligibility, limits, approval matrices and workflows are settings.
Open at both ends
Pre-built connectors for bureaus, KYC providers, core systems and payment providers.
Built for audit
Every input, rule version, score, override and approver recorded and reportable.
Loan Origination System (LOS) capabilities
KYC/KYB, verification, deduplication and risk checks.
Flexible forms, products, documents, co-applicants and digital journeys.
Rules engine, scorecards, bureau integration and custom decisioning.
Policy-based approvals, workflows, limits and exception handling.
Create loans, schedules, interest, fees, charges and collateral.
Store, tag, verify and manage documents securely.
Funnel, conversion, turnaround time, decline reasons and approval rates.
Full audit trail, approvals, role access and regulatory reporting support.
How origination flows
From an application arriving to money leaving — automated where the policy is clear, routed to a person where judgment is needed.
Capture applications through any channel, with documents and consents attached.
KYC/KYB, identity, income and document checks before the file moves.
Rules, scorecards and bureau data produce a risk view against your policy.
Approve, decline or refer automatically where the policy is clear.
Route exceptions to the right approver, with limits and matrices enforced.
Instruct disbursement through your payment provider and open the loan account.
You do not have to replace your servicing system to fix origination
Metagens LOS runs on its own. It connects to the systems you are keeping through APIs, events and file exchange — and hands off a fully formed loan at disbursement.
Metagens originates, your LMS services. The loan, schedule, fees and collateral are handed over at disbursement in your format.
Which stays the system of record. Metagens posts the account opening and disbursement events to it.
Keep the contracts and data sources you already have. Metagens calls them in your name.
Metagens AML & Fraud360 is available as a module, not a requirement.
Start with origination. Add loan management, ledger, payments or AML when it makes sense — each one you add removes an integration rather than creating one, because they already share a data model.
Your products. Your policies. Your rules.
Metagens LOS is built for configuration, not customization. Define your products, pricing, rules, workflows, roles, approvals, fees and notifications your way — without custom code or a forked core.
Ready to originate faster?
Talk to our architects about running Metagens LOS on its own, or as part of the full platform.