The LOS at the center
appTRAKER manages the work from application intake through credit decision, verification, documents, funding and the defined downstream handoff. It supports different lending products and channels while preserving the data, workflow and approval requirements of each program.
The platform provides the application record, underwriting workspace, workflow, queues, rules, tasks, documents and audit history used by the lending team. Configure it for:
Each configuration can share common controls while preserving the distinctions that affect credit, collateral, documents, authority and funding.
From application to boarding
Intake → Underwriting → Decision → Documents → Handoff
Intake
Accept applications through myLOAN, Dealer Portal, Dealertrack, RouteOne, authorized APIs, staff entry and other supported sources.
Processing and underwriting
Bring application data, bureau information, calculations, scorecards, collateral, verification results and lender rules into the review, with Fraud Intelligence contributing identity and fraud signals where it is enabled.
Decision and conditions
Apply configured approval, decline, referral, authority, stipulation and adverse-action logic. Route exceptions to the people responsible for them.
Documents and funding
Collect supporting files, generate forms, assemble Form Packs, complete supported eSign workflows through DOCS & FORMS and track funding requirements.
Handoff
Send supported customer, loan, collateral and document information to the core, servicing, accounting, card or content-management system at the defined point.
Configure policy into the workflow
Lenders can translate program requirements into repeatable processing: eligibility, risk tiers, scorecards, pricing, DTI, PTI, LTV, collateral limits, approval authority, stipulations, verification, documents, adverse-action reasons and funding controls.
Rules determine what should happen when a condition is met. Workflow determines who or what handles the work next.
Automation handles repeatable work while defined exceptions remain visible for lender judgment.
Products that extend the platform
appTRAKER remains the center while LAUNCHER products add focused functions:
myLOAN
Digital applications, prequalification and pre-approved offers.
Dealer Portal
Dealer transaction collaboration, decisions, stipulations and documents.
Fraud Intelligence
Connected fraud and identity signals inside the application.
CONNECT
Two-way SMS and email tied to the application record.
DOCS & FORMS
Documents, forms, Form Packs, stipulations and eSign.
autoBOUGHT
Automated underwriting decisions against configured lender policy.
autoBUILT
Automated loan and deal structuring within permitted limits.
myDEALER
Dealer relationship management across transactions.
launchPAD packages the platform for focused lenders and new lending programs. LAUNCHER maps the product set to the operation and programs in scope. View all products.
Connect the systems your lending depends on
appTRAKER connects to credit bureaus, dealer networks, verification providers, vehicle-data services, risk tools, document platforms, eSign providers, core systems and servicing platforms.
Established product interfaces cover the common connections. Supported APIs, file exchanges and scheduled transfers handle the rest. LAUNCHER specifies each one — provider, data, direction and trigger — during implementation, so it behaves the way your process expects on day one. Explore integrations and API & data exchange.
We configure the platform around your operation
LAUNCHER configures products, workflows, data, rules, interfaces, forms, communications, queues, user roles and operating details around lender requirements. Customers can choose the level of involvement that fits their team:
The result is a configured origination operation with workflows, rules, forms, interfaces and operating details implemented around lender requirements. Turnkey implementations covers the fullest version of that.
The origination boundary
appTRAKER manages the process from application through funding and boarding, then exchanges the approved loan information with core banking, servicing, document and other downstream systems.
The lender retains ownership of credit policy and approval authority. appTRAKER provides the configuration, automation and auditability needed to execute it.
Why appTRAKER?
Proven in different operating models
LAUNCHER implementations include:
Read the launchPAD deployment, the credit-card programs, the nationwide specialty program and the core-banking handoff.
Build the lending operation you need
Add products, channels, underwriting strategies, technology partners and automation through configuration on the same origination foundation.
appTRAKER gives you a configurable Loan Origination System today and a broader Loan Origination Platform on which your lending operation can continue to evolve.
Originate. Connect. Automate. Grow.
Frequently asked questions about appTRAKER
What is appTRAKER?
appTRAKER is a configurable loan origination platform. It manages applications, underwriting, decisioning, verification, documents, funding and the handoff to downstream systems for banks, credit unions and finance companies.
Is appTRAKER a Loan Origination System?
Yes. It provides the application record, underwriting workspace, workflow, rules, tasks, documents and audit history a lending team works in every day.
Does appTRAKER support direct and indirect lending?
Yes. Each channel can use its own intake, workflow, collateral, decisioning and communication pattern while operating on the same foundation.
Can appTRAKER support leasing?
Yes. Lease programs can use their own residual, payment, term, pricing, document and funding configuration alongside loan products.
Can we integrate appTRAKER with our existing systems?
appTRAKER can work with bureaus, verification services, dealer networks, document platforms, eSign providers, core and servicing systems. The provider, data and direction are confirmed before a connection is committed.
Does appTRAKER support automated underwriting?
Yes. autoBOUGHT applies configured lender rules to eligible applications and can approve, decline or refer according to policy.
Can appTRAKER automate loan structuring?
Yes. autoBUILT can evaluate permitted changes to term, down payment, amount financed, payment, PTI, LTV and collateral value to identify a structure that fits.
Is appTRAKER modular?
Yes. appTRAKER is the origination system at the center, and LAUNCHER products extend it where the operation needs them. Not every implementation uses every product.
