GOLDPOINT Systems
GOLDPoint Systems, a division of DHI Computing Service, Inc., provides a browser-based, API-first loan software suite called The Lending Engine. Founded in 2005 in Provo, Utah, it serves U.S. consumer finance institutions, automotive lenders, and specialty lenders.
- Company typePrivate
- Founded2005
- HeadquartersProvo, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What GOLDPOINT Systems does
GOLDPoint Systems, operating as a division of DHI Computing Service, Inc., is a private U.S. fintech software company founded in 2005 and headquartered in Provo, Utah. The company provides an integrated, browser-based loan software suite — branded The Lending Engine — covering loan origination, automated underwriting, servicing, general ledger accounting, securitization, and third-party integrations. Its primary customers are consumer finance institutions, automotive lenders (auto, RV, powersports), and specialty finance lenders across all 50 U.S. states. According to the company's own disclosures, the platform currently services approximately 34.6-35.8 million loans, processes roughly 5.4 million loan applications annually, and is actively servicing $9-18.2 billion in securitized assets.
The product architecture is API-first, anchored on the GOLDPoint API Library — described as the first JSON API library in the lending industry — which exposes customer and loan data to third parties and custom front ends. Core modules include GOLDTrak Online (loan origination), the Automated Workflow Engine (configurable decisioning), the Loan Servicing System, G/L Platinum (general ledger), and the GOLDAccount Center for borrower self-service. Supporting modules comprise the Consumer Application Manager, InfoCapture document upload, electronic notifications, mobile apps, and an Electronic Loan Portal for investor access. The company reports 350+ third-party integrations spanning credit bureaus (Equifax), identity and bankruptcy data (LexisNexis), collateral valuation (J.D. Power, Kelley Blue Book, Black Book, NADA), payment processing (REPAY, ACI Worldwide), communications (Solutions by Text), and insurance/ancillary products (Fortegra, Securian Financial, Route 66 Extended Warranty).
Distribution is exclusively direct enterprise sales: prospects request a demo through the company's website and engage with internal account managers, with no self-service channel. Pricing is not publicly disclosed and is structured as SaaS subscriptions under annual or multi-year contracts. The platform carries SOC 1 Type II and SOC 2 Type II audits and PCI compliance, and is the only regulated loan software vendor reviewed and approved by the Texas Office of Consumer Credit Commissioner (OCCC) to handle both Scheduled Installment Earnings and True Daily Earnings rate-calculation methods. Named enterprise customers include Lendmark Financial, Sheffield Financial (17-year relationship), Citizens Savings & Loan, with payment and communications integration partners REPAY (since 2014) and Solutions by Text. The company is reported at 101-250 employees and serves 2,000+ client offices linking to a network of nearly 200,000 dealers.
GOLDPOINT Systems firmographics
Firmographics- Name
- GOLDPOINT Systems
- Legal name
- DHI Computing Service, Inc.
- Website
- https://goldpointsystems.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- GOLDPoint Systems, a division of DHI Computing Service, Inc., provides a browser-based, API-first loan software suite called The Lending Engine. Founded in 2005 in Provo, Utah, it serves U.S. consumer finance institutions, automotive lenders, and specialty lenders.
- Ownership category
- akta.pro rank
GOLDPOINT Systems industry classification
Industry- Product category
- Consumer Lending Software
- NAICS
- Software Publishers (513210), Custom Computer Programming Services (541511), Other Activities Related to Credit Intermediation (52239)
- akta.pro primary industry
- Software/SaaS Subscriptions (Consumer & Prosumer) (CRAFAIAB)
Keywords
Where GOLDPOINT Systems is headquartered
LocationHeadquarters
- HQ city
- Provo
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GOLDPOINT Systems business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Licensing/Subscription (SaaS): Browser-based loan software delivered as SaaS subscription model with annual or multi-year contracts implied by enterprise sales motion. Pricing not publicly disclosed.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
GOLDPOINT Systems product offering
Product offeringCore offering
GOLDPoint Systems sells The Lending Engine, an all-inclusive browser-based loan software suite that covers loan origination (GOLDTrak Online), loan servicing (LES), automated underwriting (Automated Workflow Engine), general ledger (G/L Platinum), securitization, and the GOLDPoint JSON API Library for consumer lending institutions. The platform is sold to banks, savings & loans, consumer finance companies, and specialty/auto lenders across the United States via direct enterprise sales with subscription-based SaaS contracts.
Product overview
GOLDPOINT Systems offers The Lending Engine, a comprehensive browser-based loan software suite that integrates multiple products. The core platform includes GOLDTrak Online (loan origination system) and LES (loan servicing system), supplemented by the Automated Workflow Engine for decision-making, Consumer Application Manager, InfoCapture for document handling, and GOLDAccount Center for customer payments. Additional modules include Mobile App, Digital Notifications, Loan Collection System, Loan Payment Solutions, and the Electronic Loan Portal. The suite also encompasses G/L Platinum (general ledger), Securitization Services, and the GOLDPoint API Library. An AI chatbot named Robert provides product guidance. The API-first architecture enables seamless integration with 200+ 3rd-party partners including credit bureaus, collateral valuation providers, payment processors, and communication tools.
Differentiator
Problem solved
Functional benefit
Products and services
- The Lending Engine An all-inclusive browser-based loan software system encompassing loan origination, loan servicing, loan APIs, and securitization options that power custom fintech products streamlining the lending experience for consumer finance institutions.
- GOLDTrak Online (Loan Origination System) Loan Origination System that ensures a smooth and customizable application process for managing direct or indirect loans, with customizable screens, drop-down options, and multiple application templates.
- Automated Workflow Engine (AWE) Automated credit decisioning and workflow engine that accelerates loan approvals with configurable rules, automated notifications, and reduced manual processing across the lending lifecycle.
- Loan Servicing System (LES) Customizable loan management system for servicing any loan type in any state, including payment processing, collections, credit reporting, and reporting functionality for consumer lenders.
- Mobile App Mobile application for borrowers to manage their loans, access account information, and make payments through the loan servicing platform.
- Digital Notifications Electronic notifications system supporting ACH, card payments, and compliant two-way communication via text and email for streamlined borrower communication and collections.
- Loan Collection System Collection system for managing delinquent accounts and soliciting payments as part of the loan servicing workflow.
- Loan Payment Solutions Payment solutions including electronic payments, ACH, card payments, and other electronic funding channels supporting loan repayment.
- Loan Document Upload Document upload portal for loan applications allowing customers to submit required documentation from anywhere.
- Rule of 78s Calculator Calculator tool for Rule of 78s loan amortization calculations supporting consumer lending rate computations.
- G/L Platinum (General Ledger) Standalone general ledger software with account management, custom financial reports, automated sweeps, budgets, drill-down capability, and role-based approval for transaction postings, pre-integrated with the loan products.
- Securitization Services Fully integrated securitization tools offering options for accessing capital and bypassing traditional financing methods such as bank lines of credit.
- GOLDPoint API Library Comprehensive JSON-based API library providing access to customer and loan data for loan applications, customer information, loan calculations, electronic payments, and document management, enabling third-party integrations and custom front-end development.
- Robert (AI Chatbot) An AI chatbot trained to guide users through GOLDPoint Systems' product offerings, answering questions about loan origination, loan management, accounting, APIs, third-party vendors, interest rates, amortization, ancillary products, payments, credit reporting, compliance, and more.
Quantifiable outcome
- Lenders grow 2.5x faster on average after adopting the platform
- +5 more outcomes
Companies that use GOLDPOINT Systems
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
GOLDPOINT Systems technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability4 records
Feature12 records
GOLDPOINT Systems partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and supporting.
- IDScan.netcorePartnership to integrate AI-based identity verification software into GOLDPoint's lending platforms. Enables lenders using GOLDPoint's software to perform remote identity checks, biometric analysis, and regulatory compliance more efficiently.
- RepaycorePayment processing integration enabling electronic payments including ACH and card transactions. Integration allows for instant loan funding capabilities.
- Solutions by TextcoreIntegration of FinText platform for two-way compliant communication via text and email, enhancing borrower engagement and loan servicing capabilities.
- ACI WorldwidecorePayment processing and fraud prevention integration for secure electronic payment acceptance across multiple channels.
- EquifaxcoreCredit bureau integration for credit reporting and access to borrower credit information within the lending platform.
- LexisNexiscoreBankruptcy and identity verification integration for regulatory compliance and risk management in lending operations.
- J.D. PowercoreVehicle valuation data integration providing real-time market values for collateral assessment in auto lending.
- Kelley Blue BookcoreVehicle valuation data integration providing trusted market values for automotive collateral valuation during loan origination.
- Black BookcoreVehicle valuation data integration for used vehicle values supporting collateral-based lending decisions.
- NADAsupportingDealer network and automotive market data integration supporting indirect lending operations.
- FortegrasupportingAncillary product integration for extended warranties and protection products in lending.
- Securian FinancialsupportingInsurance and protection product integration for consumer lending products.
- Route 66 Extended WarrantysupportingVehicle extended warranty program integration providing coverage administration and claims processing for auto lenders. Benefits include $0 deductible, nationwide coverage, and 24/7 roadside assistance.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
GOLDPOINT Systems competitors and assessment
Company assessmentDirect peers
- MeridianLink: Provides loan origination, account opening, and digital lending platforms to banks, credit unions, and consumer lenders. Directly comparable as a B2B SaaS lending platform serving the same consumer finance and community bank segments.
- LendingQB: Browser-based loan origination platform serving mortgage and consumer lenders. Directly comparable as a SaaS LOS with workflow automation and integrations, though more mortgage-centric than GOLDPoint.
Emerging players
- TurnKey Lender: AI-powered lending automation platform for SMB and consumer lenders. Comparable as an end-to-end origination/servicing SaaS but with broader SMB focus and less depth in US installment lending compliance.
Broad incumbents
- FIS: Enterprise financial technology provider with loan origination and servicing products (including former MortgageCadence assets). A larger incumbent that competes for similar consumer and small-ticket lending software deals.
- Jack Henry: Core processor and lending technology provider for community and mid-size banks. Overlaps with GOLDPoint in the bank-affiliated consumer lending software segment, though broader portfolio.
- Temenos: Global banking software platform with end-to-end lending, servicing, and core banking modules. Competes with GOLDPoint for retail and consumer lending software RFPs at banks and credit unions worldwide.
- Black Knight (ICE Mortgage Technology): Large-scale mortgage and consumer lending software platform owned by Intercontinental Exchange. Adjacent in lending software space but with a heavier mortgage focus.
- nCino: Cloud-based bank operating system with strong loan origination and account opening capabilities. Comparable as a broader banking platform that competes for the same mid-market and community bank loan software deals, though nCino targets commercial lending more heavily.
Others
- Prosperity Bancshares (technology platform): Community banking customer segment overlapping with GOLDPoint's bank/S&L customer base. Representative of the type of regulated depository institution GOLDPoint sells into.
- Loandepot (mello/FDLP): Operates a proprietary loan origination platform internally. Relevant as both a potential customer/partner and benchmark for in-house lending software capabilities, though not a direct SaaS competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
GOLDPOINT Systems social profiles
Digital presenceGOLDPOINT Systems compliance and trust
Trust signalCompliance3 records
GOLDPOINT Systems financial estimates
Financial estimateRevenue estimate
Valuation estimate
GOLDPOINT Systems leadership team
Management profileNumber of profiles
Profiles7 records
GOLDPOINT Systems funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GOLDPOINT Systems M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GOLDPOINT Systems
What does GOLDPOINT Systems do?
GOLDPoint Systems sells The Lending Engine, an all-inclusive browser-based loan software suite that covers loan origination (GOLDTrak Online), loan servicing (LES), automated underwriting (Automated Workflow Engine), general ledger (G/L Platinum), securitization, and the GOLDPoint JSON API Library for consumer lending institutions. The platform is sold to banks, savings & loans, consumer finance companies, and specialty/auto lenders across the United States via direct enterprise sales with subscription-based SaaS contracts.
Is GOLDPOINT Systems a public or private company?
GOLDPOINT Systems is a private company. It is classified as corporate owned and is currently operating.
When was GOLDPOINT Systems founded?
GOLDPOINT Systems was founded in 2005. It employs 101 to 250 people.
Where is GOLDPOINT Systems based?
GOLDPOINT Systems is headquartered in Provo, United States, in the North America region.
How does GOLDPOINT Systems make money?
One revenue line is on record: software Licensing/Subscription (SaaS).
Who are GOLDPOINT Systems's main competitors?
Direct peers on record are MeridianLink and LendingQB. TurnKey Lender is listed as an emerging player. Broad incumbents are FIS, Jack Henry, Temenos, Black Knight (ICE Mortgage Technology) and nCino. Others are Prosperity Bancshares (technology platform) and Loandepot (mello/FDLP).
Does GOLDPOINT Systems have an API?
Yes. The GOLDPoint loan API is described as the first JSON API library of its kind in the lending industry, providing all-access to any data stored in their secure database. It enables loan application submission, customer information viewing, and electronic payment submission. The API-first lending platform offers speed and automation (eliminating manual data entry, reducing loan turnaround time), scalability (easier to scale to new products or geographies without re-platforming), customization (lenders can build their own front end or custom underwriting logic), real-time data access (instant updates between origination, servicing and CRM), better compliance and audit trails (automated data syncing reduces human error and improves traceability), and partner ecosystem growth (easier to integrate with fintech partners finance programs). Developer documentation is at api.goldpointsystems.com/library.
What industry is GOLDPOINT Systems in?
GOLDPOINT Systems's product category is Consumer Lending Software. Its primary akta.pro industry code is CRAFAIAB, Software/SaaS Subscriptions (Consumer & Prosumer). Its NAICS code is 513210.