Take Three Technologies
Take Three Technologies provides cloud-based mortgage technology to U.S. lenders and loan officers through LoanMAPS, an integrated LOS/POS/CRM platform built on a single database, and TheRuleTool, an AI-powered guideline search engine distributed via self-serve and embedded inside Polly and Optimal Blue.
- Company typePrivate
- Founded2014
- HeadquartersDenver, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Take Three Technologies does
Take Three Technologies (Take3Tech) is a private, Denver-based mortgage technology company founded in 2014 by Anita Padilla-Fitzgerald. The company sells two integrated products to U.S. mortgage lenders and loan officers: LoanMAPS, a unified loan origination system (LOS), point-of-sale (POS), and CRM platform engineered around a single living database that spans from application through post-closing and servicing; and TheRuleTool, an AI-powered dynamic guideline search engine covering Fannie Mae, Freddie Mac, and non-QM investor guidelines, with embedded integrations inside Polly and Optimal Blue product and pricing engines.
LoanMAPS differentiates from legacy LOS vendors by collapsing the industry's typical patchwork of integrations into one system of record, reducing rekeying, integration fees, and operational handoffs. Its One Day Decision (ODD) process front-loads income and asset review to deliver underwriter-backed confidence within a day, and the platform includes mobile apps for loan officers and consumers, integrated product and pricing, secondary market tools, and audit management. Augie AI is embedded for deal structuring, and a Fannie Mae Income Calculator integration was added in October 2024 with an enhanced release in October 2025. A Non-QM module for TheRuleTool is announced for upcoming release.
TheRuleTool is sold as a self-serve subscription at $20 per user per month with a 30-day free trial, volume and TMC member discounts, and is also distributed embedded inside Polly and Optimal Blue PPEs. LoanMAPS uses undisclosed subscription enterprise pricing, with the company operating a hybrid go-to-market of direct enterprise sales for LoanMAPS and self-serve plus channel partnerships for TheRuleTool. The company is a member of MBA, TMC, and ACUMA, is SOC 2 Type 2 compliant under A-LIGN, and operates without disclosed external funding or institutional ownership.
Take Three Technologies firmographics
Firmographics- Name
- Take Three Technologies
- Legal name
- Take Three Technologies, LLC
- Website
- https://take3tech.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Take Three Technologies provides cloud-based mortgage technology to U.S. lenders and loan officers through LoanMAPS, an integrated LOS/POS/CRM platform built on a single database, and TheRuleTool, an AI-powered guideline search engine distributed via self-serve and embedded inside Polly and Optimal Blue.
- Ownership category
- akta.pro rank
Take Three Technologies industry classification
Industry- Product category
- Mortgage Loan Origination Software
- NAICS
- Credit Intermediation and Related Activities (522), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Mortgage Point-of-Sale (POS) & Borrower Intake Portals (FSALALAD)
- akta.pro secondary industry
- Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)
Keywords
Where Take Three Technologies is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Take Three Technologies business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- TheRuleTool Subscription: Per-user monthly subscription at $20/user/month with annual subscription terms that auto-renew. Billing occurs at the beginning of each month for all users on the account. TMC (The Mortgage Collaborative) members receive a discount that reverts to standard pricing if membership is terminated.
- LoanMAPS Subscription: Subscription-based licensing for the LoanMAPS platform. Fees are billed in U.S. dollars at the start of each subscription term with automatic renewal. Payment methods include credit card, debit card, or ACH.
- Enterprise/Custom Pricing: Volume-based pricing with discounts available for customers meeting certain user minimums. Custom pricing likely for enterprise-level implementations of the full LoanMAPS platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Per seat | Monthly | TheRuleTool Standard Per User |
| Per seat | Monthly | TheRuleTool TMC Member Discount |
| Per seat | Monthly | TheRuleTool Volume Discount |
| Freemium | Pay-as-you-go | TheRuleTool 30-Day Free Trial |
| Subscription | Annual | LoanMAPS Platform Subscription |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Take Three Technologies product offering
Product offeringCore offering
Take Three Technologies sells cloud-based mortgage technology products to lenders and loan officers: LoanMAPS is an end-to-end loan origination system (LOS), point-of-sale (POS), and CRM platform built on a single living database that covers the mortgage workflow from application through post-closing and servicing. TheRuleTool is an AI-powered dynamic guideline search engine that delivers instant access to QM and Non-QM mortgage guidelines and integrates with Polly PPE and Optimal Blue PPE.
Product overview
Take Three Technologies offers two integrated mortgage technology products: LoanMAPS and TheRuleTool. LoanMAPS is a unified platform combining Point of Sale (POS), Loan Origination System (LOS), and CRM functionality in a single system built on one living database as a single source of truth. TheRuleTool is an AI-powered guideline search engine that integrates with LoanMAPS and third-party platforms like Polly and Optimal Blue. Together, these products provide an end-to-end mortgage solution covering sales, POS, underwriting, closing, and delivery in an integrated workflow.
Differentiator
Problem solved
Functional benefit
Products and services
- LoanMAPS Unified loan origination system (LOS), point-of-sale (POS), and CRM platform for mortgage lenders, built on a single living database and covering the full workflow from application through post-closing and servicing, with integrated product and pricing engine, capital and secondary market integration, interim servicing, funded pipeline management, pre-fund and funded audit management, integrated closing, post-closing, and consumer and loan officer mobile apps.
- TheRuleTool AI-powered cloud-based dynamic guideline search tool for QM and Non-QM mortgage guidelines, enabling loan officers to ask natural-language questions and receive answers from Fannie Mae, Freddie Mac, and investor overlays, with integrations into Polly PPE and Optimal Blue PPE and embedded Augie AI for deal structure.
Quantifiable outcome
- Often provides underwriter-backed confidence within one day through the One Day Decision (ODD) process
- +1 more outcomes
Companies that use Take Three Technologies
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Take Three Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature7 records
Take Three Technologies partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Optimal BluecoreTheRuleTool is now live within Optimal Blue's Product and Pricing Engine (PPE) with the new UI. This integration provides seamless access to guideline information within the Optimal Blue platform, enabling loan officers to verify guidelines without leaving their primary PPE workflow.
- PollycoreTheRuleTool has been integrated with Polly's Product and Pricing Engine (PPE). This integration allows loan officers using Polly to access TheRuleTool's AI-powered guideline search directly within their product and pricing workflow, eliminating the need to switch between systems for guideline lookups.
- Fannie MaecoreTake3Tech announced that Fannie Mae's Income Calculator is now available within LoanMAPS. This integration allows users to calculate and verify income directly within the loan origination workflow, streamlining the income assessment process for mortgage applications.
- The Mortgage Collaborative (TMC)coreTMC is a network of independent mortgage bankers. Take3Tech offers a TMC Member Discount on TheRuleTool subscriptions - members receive preferential pricing as long as their TMC membership remains active. T3T uses TMC's monthly membership roster to verify eligibility. This partnership provides marketing and distribution reach to TMC's member base.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Take Three Technologies competitors and assessment
Company assessmentDirect peers
- ICE Mortgage Technology (Encompass): Industry-leading loan origination system used by the majority of U.S. mortgage lenders. Encompass competes head-on with LoanMAPS across LOS, POS, and CRM capabilities, giving it the largest installed base in the category.
- Mortgage Cadence: Enterprise LOS provider owned by Accenture serving large mortgage banks and credit unions. Direct competitor to Take3Tech for end-to-end origination platform deals at the upper end of the market.
- Dark Matter Technologies: Provides the EMPOWER loan origination system including POS, LOS, and digital mortgage functionality for lenders of all sizes. A direct competitor to LoanMAPS across end-to-end origination.
- OpenClose: SaaS-based loan origination platform with multi-channel POS, LOS, and CRM capabilities. Closely comparable to LoanMAPS in product breadth and target lender segment.
- Byte Software (LendingPad): Loan origination system targeted at small to mid-sized mortgage lenders. Closely comparable to LoanMAPS in scope and target customer segment with similar pricing posture.
- Blend: Digital point-of-sale platform serving lenders with consumer-facing applications and account verification. Direct overlap with LoanMAPS's POS layer and the digital mortgage experience.
- nCino (SimpleNexus): Bank and lender software platform with mortgage POS and CRM capabilities acquired via SimpleNexus. Compares directly to LoanMAPS's POS and CRM components.
- Mortgage Builder: End-to-end loan origination and servicing software serving mortgage lenders across sizes. Direct comparable to LoanMAPS in origination and servicing coverage.
Emerging players
- Maxwell: Mortgage technology platform focused on point-of-sale and CRM for community lenders. Overlaps with LoanMAPS in POS and CRM but with narrower overall product breadth.
Broad incumbents
- Finastra: Large global fintech provider offering lending and mortgage software within a much broader product portfolio. Competes with Take3Tech for lender technology budgets but with much greater scale and breadth.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Take Three Technologies social profiles
Digital presenceTake Three Technologies compliance and trust
Trust signalCompliance1 record
Take Three Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Take Three Technologies leadership team
Management profileNumber of profiles
Profiles1 record
Take Three Technologies funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Take Three Technologies 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 Take Three Technologies
What does Take Three Technologies do?
Take Three Technologies sells cloud-based mortgage technology products to lenders and loan officers: LoanMAPS is an end-to-end loan origination system (LOS), point-of-sale (POS), and CRM platform built on a single living database that covers the mortgage workflow from application through post-closing and servicing. TheRuleTool is an AI-powered dynamic guideline search engine that delivers instant access to QM and Non-QM mortgage guidelines and integrates with Polly PPE and Optimal Blue PPE.
Is Take Three Technologies a public or private company?
Take Three Technologies is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Take Three Technologies founded?
Take Three Technologies was founded in 2014. It employs 1 to 10 people.
Where is Take Three Technologies based?
Take Three Technologies is headquartered in Denver, United States, in the North America region.
How does Take Three Technologies make money?
Three revenue lines are on record. TheRuleTool Subscription is the primary driver. The others are loanMAPS Subscription and enterprise/Custom Pricing.
Who are Take Three Technologies's main competitors?
Direct peers on record are ICE Mortgage Technology (Encompass), Mortgage Cadence, Dark Matter Technologies, OpenClose, Byte Software (LendingPad), Blend, nCino (SimpleNexus) and Mortgage Builder. Maxwell is listed as an emerging player. Finastra is listed as a broad incumbent.
Does Take Three Technologies have an API?
No public API is recorded for Take Three Technologies.
What industry is Take Three Technologies in?
Take Three Technologies's product category is Mortgage Loan Origination Software. Its primary akta.pro industry code is FSALALAD, Mortgage Point-of-Sale (POS) & Borrower Intake Portals, with a secondary code of FSALALAL, Quality Control (QC), Compliance & Audit Tools for Underwriting. Its NAICS code is 522 and its SIC code is 7372.