LOAN SERVICING SOFT

What LOAN SERVICING SOFT does

LOAN SERVICING SOFT (LOAN SERVICING SOFT INC.) is a privately held US vertical SaaS vendor founded in 2010 and headquartered in San Juan Capistrano, California. It builds a modular, end-to-end loan origination and loan servicing platform aimed at private money, hard money, and commercial lenders, with additional traction among consumer lenders, investment fund managers/REITs, nonprofits (e.g., Habitat for Humanity), endowments (e.g., Yale), and government entities (e.g., Pasco County Florida). The company markets 40+ years of category experience and a vertically integrated suite covering Loan Origination, Loan Servicing, Investor Management, Trust Accounting, Collections, Reporting, AutoLOS (automated origination add-on), Web Portals, and adjacent services such as a 1098/1099-INT E-File offering.

The platform is delivered as a cloud-accessible application with role-based workflow and security built on Microsoft architecture, and is integrated with DocuSign for e-signature, the three US credit bureaus (Equifax, Experian, TransUnion) for credit pulls, NACHA for ACH batch processing, DecisionLogic for verification, and a native QuickBooks/GL interface. Recent engineering emphasis has been on automation and AI features, including a launched AI Voice Application, announced AI-driven predictive delinquency analytics, Text-to-ACH SMS reminders, and a Lockbox Batch Payment Wizard designed to scale to thousands of payments per cycle. Compliance scaffolding spans RESPA, CFPB, Dodd-Frank/SAFE Act, HMDA, and CA DRE reporting requirements.

The business model is a sales-led, quote-based subscription sold by module and by user count, paired with paid professional services for custom configuration, web portals, custom reporting, and training, plus a separate transaction-fee product (1098/1099-INT E-File at $499). GTM is direct and phone-driven (1-800-993-1839) with a multi-year contract cadence, supported by an extensive YouTube and documentation library and a self-serve demo portal. The company is small (1-10 employees), privately held with no disclosed funding or M&A activity, and operates exclusively in North America.

Name

LOAN SERVICING SOFT

Legal name

LOAN SERVICING SOFT INC.

Website

https://loanservicingsoft.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

LOAN SERVICING SOFT builds a modular, subscription-based loan origination and servicing platform for US private money, hard money, commercial, and consumer lenders, with integrated trust accounting, investor management, compliance reporting, and newer AI-driven automation features.

Ownership category

akta.pro rank

Product category

Loan Servicing Software

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

akta.pro secondary industries

Subservicing (Third-Party Servicing for Owners/Originators) (FSALAEAD), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Commercial Mortgage Servicing & Asset Management (Master/Special) (FSALADAJ)

Keywords

• Loan servicing software
• Loan origination system
• Private money lending
• Trust accounting software
• Investor management platform

Headquarters

HQ city

Capistrano Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licenses / Subscriptions: Module-based software licensing model sold by module and number of users. LOAN SERVICING SOFT is sold as a comprehensive platform with modules including Loan Origination, Loan Servicing, Escrow/Trust Accounting, and additional add-ons. Pricing is quote-based, customized per customer requirements.
2. Professional Services: Includes consulting services for custom configurations, custom web portals, custom reporting, and training (both online/remote and onsite). Support subscription covers online training.
3. Tax Form E-Filing Services: 1098 and 1099-INT E-filing service at $499 for unlimited filings (up to 10,000 contacts). Available for both LSS licensees and non-licensees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

LOAN SERVICING SOFT provides a cloud-based loan origination and loan servicing software platform designed for private money, hard money, and commercial lenders. The platform integrates modules for loan origination, loan servicing, investor management, trust accounting, collections, and reporting, supporting all loan types including mortgages, commercial loans, lines of credit, and consumer loans.

Product overview

LOAN SERVICING SOFT is a comprehensive loan servicing software platform offered as a unified system with modular components. The core LOAN SERVICING SOFT Platform serves as the foundation, with integrated modules for Loan Origination, Loan Servicing, Investor Management, Trust Accounting, Collections, and Reporting. The ecosystem includes AutoLOS (automated loan origination add-on), Web Portals (borrower, investor, and underwriting portals), and supporting features including Text-to-ACH, Lockbox Batch Payment Wizard, Built-in CRM, Automated Accounting, QuickBooks Interface, Custom Reporting, ACH Electronic Payments, Credit Pull Integration, RESPA Escrow Administration, and 1098/1099-INT E-File Service. The platform targets private money and alternative lenders, supporting all loan types including mortgage, commercial, consumer, and lines of credit. With over 40 years of experience, the system emphasizes automation, compliance, and scalability.

Differentiator

Problem solved

Functional benefit

Brands

• AutoLOS: Automated Loan Origination System - a custom built, web based Loan Origination and Loan Underwriting System add-on to the LOAN SERVICING SOFT platform. Features include vendor portals, application portals, configurable decisioning, scoring tiers, auto e-mail, borrower underwriting portals, and seamless integration with LSS.
• LLC Fund Manager

Products and services

• LOAN SERVICING SOFT Platform Comprehensive loan servicing software platform for private money and alternative lenders, supporting all loan types including mortgage loans, commercial loans, lines of credit, and consumer loans with complete investor support, trust accounting, fund administration, QuickBooks interface, lockbox, workflow and task management, and Metro 2 credit reporting.
• Loan Origination Module Complete loan origination software (LOS) with web portals that streamline and automate the entire origination and underwriting process for lenders, featuring email-based application start, configurable application portals, document upload, credit pull integration, and role-based workflow.
• Loan Servicing Module Next-generation loan servicing module supporting all loan types and lending industries, featuring borrower web portals, self-service account management, text reminders with Text-to-ACH, ACH NACHA batch processing, lockbox batch payment wizard, and workflow/task management.
• Investor Management Module Supports direct investors and pools/funds including mortgage pools, non-performing mortgage pools, investment funds, partnerships, and REITs. Provides automated investor payments via check or ACH/EFT, subsidiary accounting, real-time sub ledgers, and investor web portals.
• Trust Accounting Module Completely integrated trust accounting with subsidiary ledger accounting for loan servicing, escrow, and settlement, supporting construction reserves, investor ledgers, settlement/closings, and RESPA-compliant escrow administration with automated money-in/money-out and compliance for unlimited accounts.
• Collections Module Comprehensive collections functionality with pre-configured or buildable action and result screens, promise to pay tracking, and group or individually assigned workflow/task management, including call queues, on-the-fly payment processing, notes log, and TAPI integration for dialer.
• Reporting Module Flexible and customizable reporting system with pre-configured reports and report builder/editor, covering borrower, investor, back office, and compliance reporting including Dodd-Frank/SAFE Act, CFPB, RESPA, and HMDA LAR reports.
• AutoLOS Custom web-based automated loan origination and underwriting system add-on to the LOAN SERVICING SOFT platform, featuring vendor portal, application portal, configurable decisioning tables, scoring tiers, automated email, borrower underwriting portal with doc upload, and e-signature integration for consumer lending and high-volume conventional and private money/commercial real estate operations.
• Web Portals Mobile-friendly online borrower and investor web portals that interface directly with the loan servicing software, including standard borrower portals, investor portals, and underwriting web portals for document upload, fully private labeled and customizable.
• 1098/1099-INT E-File Service IRS E-File service for 1098 and 1099-INT forms offered at $499 flat rate for unlimited filings (up to 10,000 contacts). Required for 10 or more forms. Available for both LOAN SERVICING SOFT licensees and non-licensees.

Named customers11 records

Segments4 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature11 records

Partnerships

Seven partnerships are on record, tiered core.

• DocuSigncoreTechnology or IntegrationDocuSign e-signature integration within LOAN SERVICING SOFT's platform. Enables electronic document signing directly within the loan origination and closing workflow. Documents are generated from loan data and routed through DocuSign for electronic signature with automatic filing of completed documents.
• MicrosoftcoreTechnology or IntegrationMicrosoft security architecture underpins LOAN SERVICING SOFT's role-based workflow and task management. User authentication, group permissions, and security architecture built on Microsoft framework for enterprise-grade access control.
• QuickBookscoreTechnology or IntegrationQuickBooks integration exports transaction details including check numbers, principal, interest, fee amounts, and memo data. Supports chart of accounts mapping to QuickBooks GL codes with IIF format exports. Eliminates duplicate data entry between loan servicing and accounting.
• EquifaxcoreTechnology or IntegrationCredit bureau integration for single pull or tri-merge credit reports (Equifax, Experian, TransUnion). Pulls 100% of all tradeline data as pure data and in PDF format. Supports top and bottom scores for underwriting and decision.
• ExperiancoreTechnology or IntegrationCredit bureau integration for single pull or tri-merge credit reports. Provides comprehensive tradeline data and credit scoring for loan underwriting decisions.
• TransUnioncoreTechnology or IntegrationCredit bureau integration for single pull or tri-merge credit reports. Enables fraud screening and buyer ID features in addition to standard credit reporting.
• NACHAcoreTechnology or IntegrationACH/NACHA batch payment processing. LOAN SERVICING SOFT creates NACHA/ACH E-files for direct bank deposits. NACHA batch payments are highlighted as the #1 preferred payment method - cheapest and easiest option.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Lendio: SMB lending marketplace and loan management software, serving a similar small/mid-market lender segment as LSS. Overlaps in enabling private money and alternative lenders to originate and service loans efficiently.
• Turnkey Lender: End-to-end lending automation platform supporting origination, servicing, and collections with built-in decisioning. Comparable in module breadth (origination-servicing-collections) to LSS, targeting a mix of consumer, SMB, and alternative lenders.
• Cloudvirga: Cloud-native digital mortgage point-of-sale and origination platform. Overlaps with LSS in automating origination workflows and borrower experience, though geared toward retail/residential mortgage rather than private/hard money.

Broad incumbents

• Mortgage Cadence (Accenture): Enterprise mortgage origination platform with deep workflow and compliance capabilities. Comparable to LSS's Origination and AutoLOS modules, though typically deployed at large bank and credit union lenders rather than private money shops.
• nCino: Cloud banking platform with strong loan origination and account opening capabilities for commercial and institutional lenders. Competes with LSS for the commercial lender and fund manager buyer, with deeper CRM/EWAL capabilities and a much larger engineering footprint.
• Temenos: Global banking software platform with lending, servicing, and collections modules. Comparable functional scope to LSS's modular platform, but oriented toward depository institutions rather than private/hard money lenders.
• Mortgage Builder (Tyler Technologies): Mortgage origination and servicing software for community banks, credit unions, and mortgage banks. Comparable in serving mid-market lenders needing an integrated origination-to-servicing platform, though focused on regulated depositories rather than private money lenders.
• Finastra: Major fintech software provider offering loan origination, servicing, and treasury solutions to banks and specialized lenders. Comparable to LSS at the enterprise level with much broader geographic and regulatory reach.
• ICE Mortgage Technology (Black Knight / Encompass): Dominant incumbent in US mortgage servicing and origination technology (Black Knight servicing, Encompass LOS). Highly comparable core category — loan origination and servicing for the same lender buyer — but LSS specializes in private/hard money while ICE dominates agency/conforming servicing at much larger scale.
• FIS LoanSphere: Large-scale loan servicing and default management platform from FIS serving banks and servicers. Comparable to LSS's Loan Servicing and Collections modules at the high end of the market, but not focused on private/hard money lenders.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LoanServSoft
• YouTubeyoutube.com/@LOANSERVICINGSOFT

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LOAN SERVICING SOFT