3530 Technologies
Cloud-based loan origination platform for consumer and small business lending with integrated compliance
Overview
CreditCore is a configurable loan origination solution designed for banks, credit unions, and financial companies. The platform spans consumer lending, small business lending, and SBA products, with features including financial statement spreading, multi-dimensional pricing matrices, configurable credit policy rules, and document preparation interfaces.
The system includes HMDA and CIP compliance features, beneficial owner tracking, adverse action letters, and upcoming SBREFA Section 1071 reporting. CreditCore integrates with credit bureaus (Experian, Equifax, TransUnion), document preparation systems (Finastra LaserPro, WKFS ComplianceOne), and core banking systems through batch exports. The platform offers customer-facing web applications for online loan applications and electronic disclosure delivery.
Key Features
- + Financial statement spreading with UCA cash flow and debt-service-coverage calculations
- + Configurable multi-dimensional pricing matrices for interest rate, loan amount, and term
- + Policy rule engine for automated credit decisioning and SLA alerts
- + Customer-facing web application for online loan applications and e-disclosure delivery
- + Built-in compliance features for HMDA, CIP, beneficial owner, and adverse action
- + Interactive analytics-driven dashboards with drill-down capabilities and custom reporting