Fluent in every loan — built for the ones nobody else is.
Conventional, reverse, rehab, construction, non-QM, HELOC — one system runs every loan, lead to funded: the CRM, the point-of-sale, and the Referral Relationship Manager that make any licensed loan officer fluent across the whole residential shelf. Follow a single file down the line — every station below is a real ORA module doing the work that used to take a dozen tools and a dozen logins.
ORA puts every loan — and everyone around it — on one line.
One system to capture the client, present every option clearly — conventional, reverse, rehab, construction, non-QM, HELOC — and connect the realtors, builders, financial planners, and partners who serve them. CRM, point-of-sale, and Referral Relationship Manager — built for the borrower in front of you, whatever they need.
Know every client
Capture, score, and work every opportunity in one queue that never lets a lead go cold.
Present every option
A guided point-of-sale that turns a scenario into a complete, compliant application — without burying the client in paperwork.
Manage the community
The Referral Relationship Manager: the professionals around your client, matched, co-branded, and kept in one relationship record.
One file. Twelve stations. Lead to underwriting, on a single line.
Four stages, twelve real modules. Scroll down and watch a loan file move down the floor — each station picks it up where the last one left off.
Upload data — structured & scored for every product
Drop in a list, a lead, a referral, or a document. ORA reads it into structured fields and scores product fit automatically — which loans the borrower qualifies for, and which one fits best.
fit
Work the Lead CRM
Scored leads land in a queue ranked by viability and SLA, with one-click call and graduate actions. No lead goes cold.
Outreach to referral partners — Asset Studio
Spin up co-branded, compliant marketing for the realtors and advisors who send you business — in minutes, on your brand.
Start a prospect — one workspace
Open a full-screen client file: every contact, property, income, and goal in one place, with milestone and pipeline visibility.
Upload documents — read into fields & stacked
IDs, statements, and letters are read into proposals your loan officer approves — never silent writes — and stacked into the file.
Scenario Coach
ORA drafts a side-by-side of the borrower's options for the loan officer to walk through — suitability stays with a licensed LO.
Calculate the scenario
A calculator runs every product — from a HUD-aligned reverse scenario to conventional, construction, and HELOC — with automatic eligibility by age, equity, income, and state — quick estimate to full scenario.
Ask your all-products assistant
An ORA assistant that knows every product — the rules of every option, the borrower's file, next best step — drafts answers and emails for the LO to send.
Live Call Coach
Glanceable cues and a state-aware consent prompt turn calls into draft notes and tasks. Calls are never recorded.
Request & receive documents
The borrower gets a guided, magic-link portal to upload what's needed; ORA tracks what's in, what's missing, and what's next.
Send to processing
The complete file hands off to a processor workspace with a state machine and authority matrix — status is always one glance away.
Auto-stack, categorize, index → underwriting
ORA reads the whole package, classifies every document, locates every field on its source page, and builds a live condition list — so the underwriter reviews and signs, instead of hunting. The decision stays with your underwriter.
Ten tools, ten logins, ten invoices — replaced by one line.
One client. A whole community, matched.
A borrower rarely needs just a loan — and on a specialty file, they need a whole team. ORA keeps the realtor, the builder, the financial planner, and the elder-law attorney around each client in one place — and matches every client with the right professionals and the right product. The introductions, the co-branded marketing, the follow-ups: one relationship record, owned by you.
Realtors
Co-branded listing and buy-side marketing for the agents who refer buyers and sellers.
Home builders
New construction and right-size communities, with financing presented right at the point of sale — including no-monthly-payment options.
Financial planners
The retirement-income conversation, with home equity as a coordinated part of the plan — not an afterthought.
Elder-law attorneys
Estate, trust, and Medicaid planning kept in the loop, with documents shared safely inside the file.
CPAs & tax advisors
Tax-aware timing on equity decisions, looped in before the client commits — not after.
HUD counselors
Required counseling tracked, scheduled, and certificate-managed without ever leaving ORA.
And the easy part is the client's part.
The borrower gets one safe, simple way to send their information — a magic link from their phone, no app and no password to remember, with a family member able to help. Documents are encrypted in transit and at rest, PII is redacted on capture, and the client only ever sees the next small step.
No seat licenses. You pay as files reach origination.
One model, whatever your size: put ORA in front of every loan officer at no per-seat cost, and pay only on the files that proceed to origination — so cost tracks production, not headcount. An individual LO can start today; larger lenders get a rollout and terms built around their pipeline.
Start originating today
You're licensed — that's all you need. Run ORA alongside whatever system you use now and originate any product from day one.
- $0 seat license — use ORA right now
- Pay only when a lead becomes an origination
- The full line — intake to underwriting
- Runs beside any LOS, no IT project
Roll out a team
Put the whole branch on one line. Every LO included at no per-seat cost, with shared pipeline visibility.
- Every LO included, no seat fees
- Branch pipeline & manager visibility
- Shared referral & asset library
- Onboarding for the team
Multi-branch
Standardize every product across branches with role-based workspaces and the controls a growing lender needs.
- Org-wide rollout, still no seat fees
- Branch-manager & admin roles
- Tenant controls & SSO
- Volume-based terms by LO
Enterprise
An origination line engineered for scale — bespoke security, compliance, and integration review, with terms to match.
- Enterprise security & compliance review
- Custom LOS & data integration
- Dedicated support & SLAs
- Agent VOS & underwriting roadmap access
Keep your LOS. Run ORA right alongside it.
ORA isn't your system of record — it works with the one you already run. What makes it LOS-agnostic is a novel browser plugin, ORA Bridge: instead of a months-long API integration, it moves data from any web-based LOS into ORA — snip a region or scan a screen and it lands in ORA, PII auto-redacted, while your LOS stays open side by side. No integration project. No IT ticket. Any LOS, day one.
Snip or scan
Drag a box over any field, or scan a whole screen. ORA Bridge reads what you see — on any web-based LOS, CRM, or lead source.
Redacted in your browser
SSN, date of birth, and account numbers are masked before anything leaves the page. Each capture keeps a screenshot and its source.
Side by side
ORA Bridge tiles your LOS and ORA together — work both at once, no tab-juggling, no re-keying, no integration project.
Market the lead. Feed the line.
ORA plugs into best-in-class third-party outreach tools — Resend for email, Twilio for SMS and calling, ElevenLabs for AI voice, and more. Run your marketing on the channels your borrowers actually answer, from your own accounts — and every response lands back at Station 01 and rides the assembly line, lead to funded.
Resend
Drip campaigns and 1:1 outreach sent through your own Resend domain — your brand, your deliverability, your sending reputation, with opt-outs honored automatically.
Twilio
Text and call from your own Twilio numbers. Replies, opt-outs, and call outcomes write straight back to the lead's file — no copy-paste, no separate dialer.
ElevenLabs
Natural AI voice for outreach content and follow-up, generated under your ElevenLabs account — with a human approving everything before it goes out.
Bring your own keys. Integrations run on your accounts, so your data and sender reputation stay yours — and every channel rides ORA's compliance spine: DNC & litigator scrub on import, consent capture, license-aware content gates. You own the outreach decisions; ORA keeps the receipts.
Built for the most scrutinized product in lending.
ORA is a software platform lenders use to originate residential mortgages. ORA is a technology vendor, not a lender — the lender owns regulatory compliance; our job is to give your team the tooling and controls to support it, with security built into the foundation.
On our own program: ORA's internal governance, risk & compliance program is in progress, with SOC 2 on the roadmap. We're deliberate about the distinction: the SOC 2 Type II reports above cover our subprocessors' services, not ORA's — and inherited certifications are not a substitute for our own.
See the whole line run on a live file.
Watch ORA move a loan lead-to-funded, or talk with us about the thesis behind the holding company.