Price, apply, underwrite, and close—white-labeled for your network.
Lightning Mortgage Software is one platform for wholesale and retail: digital applications (borrower or broker), quick pricing to quotes, product & rate management, conditions with instant feedback, digital signings, VOIP/SMS, marketing, borrower portals, AI, and loan sales—all under your brand and domain.
Pricer → quote → application → credit auth → term sheet in one continuous path.
Custom domains, templates, and branded email so brokers and borrowers only see your network.
Conditions, signings, phones, users, and secondary—without stitching five tools.
One platform. Banks, investors, and lenders—each with their role.
Lightning Mortgage hosts Level 1 organizations (investors and banks) and their Level 2 child lenders. Lenders inherit investor products, banks steer processing, and every borrower message stays on the lender's brand.
- •White-label domains, portals, email
- •Pricing, applications, conditions, VOIP
- •Shared infrastructure — separate branding
- •Owns product menus & rate sheets
- •Defines eligibility & adjustments
- •Products flow down to child lenders
- •Controls processing & underwriting path
- •Sets workflows, conditions, staffing
- •Oversees file progression to close
- •Inherits Investor A products & pricing
- •Own domain, logo, portal experience
- •Borrower email & SMS under Lender A brand
- •Same inherited product set as Lender A
- •Independent branding & borrowers
- •Looks like a direct lender to the market
Lenders inherit the investor’s products, rates, and adjustments—no re-build per branch.
Bank A (or the L1 sponsor ops team) owns processing, conditions, and file control.
Portals, LOAs, quotes, and status SMS/email are white-labeled to Lender A or B—not Lightning Mortgage.
Investor A configures DSCR, bank statement, and Non-QM menus once. Lender A and Lender B automatically price and quote those products on their own sites.
When a file is submitted, Bank A (or the designated L1 ops team) runs processing and underwriting. Hierarchy, roles, and audit stay intact across the network.
The borrower applies, uploads, and gets emails from Lender A’s brand and domain—never the platform root. Zero platform-name leakage on the borrower journey.
Everything your lending team needs
Built for wholesale lenders, correspondent sponsors, brokers, processors, underwriters, and borrowers—on one stack.
Digital Application
Borrower-filled or broker-filled applications in one workflow. Capture full loan data digitally, then move straight into credit auth, conditions, and underwriting.
Loan Quick Pricer → Quote Generator
Price scenarios in seconds, generate professional quotes, and convert accepted quotes into live applications without re-keying.
Loan Product Management Portal
Configure products, adjustments, LTV matrices, term sheets, and guidelines in one admin portal built for wholesale and retail menus.
1-Click Update All Products Pricing
When markets move, rebase and update pricing across products in a single action—so every broker and borrower sees current rates fast.
Documents & Underwriter Management
Condition tracking with instant feedback. Upload, review, approve/reject, and keep AE/borrower communication on the file—not in endless email threads.
Digital Signings in Underwriting
Credit authorizations, term sheets, and key loan docs are signed in-flow and stored on the loan file as conditions—no separate e-sign silo.
VOIP Phone & SMS
Org-owned numbers, calling, SMS, autodial, and loan-status messaging with wallet billing—built for loan officers who live on the phone.
User Management
Roles, multi-org membership, wholesale users, and access control so LOs, processors, underwriters, and admins only see what they should.
Email Marketing
Campaign and one-off marketing from the dashboard—keep your book warm with branded outreach tied to your organization.
White-Label Broker Sites & Portals
Custom domains, logos, colors, home templates, and branded email. Correspondents and brokers feel like direct lenders under your network.
Borrower's Portal
Borrowers apply, upload, sign, track quotes and loans, and communicate through a dedicated experience—not a generic back-office tool.
AI Ready
Document analysis, extraction, summaries, support, and underwriting assistance—accelerate manual work while keeping humans in control.
Loan Sale Management
Package and manage loans to sell, pools, and secondary workflow so capital can recycle without leaving the platform.
Your brand. Their domain. Same platform.
Level 1 investors publish products once; Level 2 lenders inherit them and go to market as if they were direct lenders. Banks and sponsors keep processing control. Borrowers only ever see the lender's site, logo, and from-address.
Example: Investor A (L1) sets Non-QM menus. Lender A and Lender B (L2) price those products on their own domains. Bank A runs processing. The borrower gets every email from Lender A—never the platform root.
See the full hierarchy diagram above for how Banks, Investors, and Lenders fit together.
Ready to run your book on Lightning Mortgage Software?
Book a live demo and we'll walk you through pricing, products, white-label portals, and the full loan lifecycle—tailored to your shop.
Pick a date that works. We'll follow up by email and phone.