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A Fairness-as-A-Service Solution Suite

Help Borrowers Get Mortgage-Ready and Close More Loans

Stop turning away potential customers. Give them a tool to help them achieve their homeownership goals.

Trusted by the Fair Lending Alliance

Our Products

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!

Support First-time Homebuyers and Underserved Communities
How it works

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.

Expand your customer base

Help more applicants achieve their homeownership objective.

Grant-Based Programs

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

HLP Process

  • 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%

Current Process

  • 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.

Closing Incentives

Motivate applicants to stick around by offering exclusive in-app rewards towards closing.

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Some of the Trusted Lenders of the Fairness Alliance

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