LOAN SERVICING SOFT
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.
- Company typePrivate
- Founded1980
- HeadquartersCapistrano Beach, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
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.
LOAN SERVICING SOFT firmographics
Firmographics- 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
LOAN SERVICING SOFT industry classification
Industry- 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
Where LOAN SERVICING SOFT is headquartered
LocationHeadquarters
- HQ city
- Capistrano Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
LOAN SERVICING SOFT business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Module-based pricing with configurable features |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
LOAN SERVICING SOFT product offering
Product offeringCore 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.
Companies that use LOAN SERVICING SOFT
Customer profileNamed customers11 records
Segments4 records
Ideal customer profiles5 records
LOAN SERVICING SOFT technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability6 records
Feature11 records
LOAN SERVICING SOFT partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- DocuSigncoreDocuSign 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.
- MicrosoftcoreMicrosoft 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.
- QuickBookscoreQuickBooks 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.
- EquifaxcoreCredit 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.
- ExperiancoreCredit bureau integration for single pull or tri-merge credit reports. Provides comprehensive tradeline data and credit scoring for loan underwriting decisions.
- TransUnioncoreCredit bureau integration for single pull or tri-merge credit reports. Enables fraud screening and buyer ID features in addition to standard credit reporting.
- NACHAcoreACH/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
LOAN SERVICING SOFT competitors and assessment
Company assessmentEmerging 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
LOAN SERVICING SOFT social profiles
Digital presenceLOAN SERVICING SOFT compliance and trust
Trust signalCompliance5 records
LOAN SERVICING SOFT financial estimates
Financial estimateRevenue estimate
Valuation estimate
LOAN SERVICING SOFT leadership team
Management profileNumber of profiles
LOAN SERVICING SOFT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LOAN SERVICING SOFT 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 LOAN SERVICING SOFT
What does LOAN SERVICING SOFT do?
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.
Is LOAN SERVICING SOFT a public or private company?
LOAN SERVICING SOFT is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LOAN SERVICING SOFT founded?
LOAN SERVICING SOFT was founded in 1980. It employs 1 to 10 people.
Where is LOAN SERVICING SOFT based?
LOAN SERVICING SOFT is headquartered in Capistrano Beach, United States, in the North America region.
How does LOAN SERVICING SOFT make money?
Three revenue lines are on record. Software Licenses / Subscriptions are the primary driver. The others are professional Services and tax Form E-Filing Services.
Who are LOAN SERVICING SOFT's main competitors?
Emerging players on record are Lendio, Turnkey Lender and Cloudvirga. Broad incumbents are Mortgage Cadence (Accenture), nCino, Temenos, Mortgage Builder (Tyler Technologies), Finastra, ICE Mortgage Technology (Black Knight / Encompass) and FIS LoanSphere.
Does LOAN SERVICING SOFT have an API?
Yes. LOAN SERVICING SOFT offers a Web Services API as documented in their How-To Library documentation. The API enables custom software API integration for extending platform functionality and connecting with external systems. Developer documentation is at loanservicingsoft.com/Documentation/LOAN_SERVICING_SOFT_Web_Services.pdf.
What industry is LOAN SERVICING SOFT in?
LOAN SERVICING SOFT's product category is Loan Servicing Software. Its primary akta.pro industry code is FSAGAHAH, Loan Servicing Platforms (Billing, Statements, Customer Self-Service), with a secondary code of FSALAEAD, Subservicing (Third-Party Servicing for Owners/Originators). Its NAICS code is 52231 and its SIC code is 7372.