Modern Loan Origination System (LOS)

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Modern Loan Origination System (LOS)

Inspired by a conversation on:

a16z Podcast

a16z Podcast

Inside the $13T Mortgage Machine

Host: Angela Strange

Timestamp: 13:17 - 16:22

Listen to Episode • View Podcast • All Ideas from a16z Podcast

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Feather Flow

Direct Quote

"The market was demanding it. There's a lot of lenders who are just saying, hey, we need some competition in the space."

Market Gap

Lenders face inefficiencies with outdated loan origination systems.

The mortgage industry relies heavily on outdated Loan Origination Systems (LOS) that are inefficient, costly, and fail to integrate newer technologies. This affects independent mortgage banks, which often struggle to maintain profitability due to rising operational costs. With increasing competition and consumer demand for faster, more efficient services, many lenders express the need for modern solutions. Existing systems create a bottleneck that leads to slower processing times and a less satisfactory customer experience. If these inefficiencies aren't addressed, lenders risk losing market share to more agile competitors who provide better services.

Summary

The idea is to develop a modern Loan Origination System (LOS) tailored for today's mortgage market. By focusing on user-friendly interfaces and integration with modern data systems, this LOS would streamline the loan application process, reduce operational costs, and improve the overall customer experience. Targeting independent mortgage banks and lenders who struggle with outdated systems, this platform would not only automate data entry but also incorporate AI for better decision-making. With the demand for more competitive mortgage solutions on the rise, this initiative aims to fulfill a significant gap in the market while providing lenders with the tools to enhance efficiency and profitability.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
> $10,000

Scores

Clarity
9/10
Novelty
8/10
Feasibility
7/10
Market Potential
9/10
Evidence
8/10
Overall
8.2/10
Found on September 11, 2025 • Analyzed on September 11, 2023 10:09 AM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

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