Trusted by the Fair Lending Alliance
Users define their homeownership objectives and goals, creating a tailored mortgage readiness roadmap. Lenders assess eligibility for grant-based products, CRA, and alternative options to turn new applicants and declinations into closed loans. Mission accomplished!
Identify Missed Opportunities Upfront
We help reduce declinations upfront by identifying DPA programs and grants that borrowers may qualify for, right from your LOS. Make sure no opportunities slip through the cracks.
Nurture Applicants to Mortgage Readiness
We nurture your declined applicants with a co-branded platform that provides financial tools, an AI-powered loan readiness coach, and customized plans to help them get mortgage-ready.
Reach Untapped Communities
Leverage co-branded campaigns with HLP to increase financial literacy in underserved communities. Build deeper trust and engagement with potential applicants.
Help more applicants achieve their homeownership objective.
HLP financially prepares borrowers for homeownership
Target the type of borrowers you want. Manage campaigns designed to nurture borrowers explicitly for your underwriting guidelines.
Fair Lending Supervision and CRA impact
HLP uses Location Intelligence software to identify CRA-eligible borrowers searching for homes within census tracts your team provides. Our automated alert system raises awareness with borrowers and loan officers on how to ensure eligibility.
State of the Art Nurturing Process
Attract more consumers earlier in the process by allowing a digital mortgage advisor to provide proactive guidance and follow-up.
Real-time CRA Eligibility Analytics
HLP uses Location Intelligence software to identify CRA-eligible applicants searching for homes within your assessment areas.
- Integrates directly with your LOS
- Real-time notifications for eligible opportunities
- Detailed reports and analytics
- Declined applicants are given personalized guidance
- We automatically identify eligible DPA programs
- Incentivized to close with your institution via in-app rewards
- Focus on education and financial literacy
- Increased engagement via gamification / notifications
- Alignment of CRA, Fair Lending, and revenue goals
- Increase approval rates by up to 30%
- Customer journey ends with declination letter
- LOs must manually search through DPA programs
- Applciants churn and close with other institutions
- Lack of applicant financial literacy
- Lack of customer engagement
- Mis-incentivized, commission-based LOs
- Reduced approval rates
Personalized Guidance to Homeownership
Building Trust and Engagement with Underserved Communities
Home Lending Pal’s co-branded solution keeps applicants highly engaged throughout the homebuying process and firmly in your funnel.
Mortgage Readiness Roadmaps
Empower applicants with tailor-made plans that guide them towards mortgage readiness.
Motivate applicants to stick around by offering exclusive in-app rewards towards closing.