Easylodge® Originator™
Loan origination software for Australian lenders
One loan origination system from first enquiry to funded loan: a 4-minute online application, a 30-second credit decision and a signed contract, all in one workflow. Built by lenders in Newcastle NSW.
4 min
Complete application
30 sec
Credit decision
< 2 sec
Contract creation
24×365
Always available
What is loan origination software?
Loan origination software manages everything that happens before a loan is funded: the application, identity and AML checks, credit assessment, approval, loan documents and settlement. A loan origination system replaces the email, spreadsheets and CRM workarounds most lenders start with, so every application follows the same credit rules and leaves a full audit trail.
Easylodge Originator™ is a cloud loan origination platform for Australian non-bank, mortgage, asset finance, commercial and consumer lenders. It runs the whole process in one place, then hands each funded loan to Servicer™, our loan management software, with nothing re-keyed.
What Originator™ does
Everything a loan origination platform should do, in one place
Online, broker and dealer applications
Branded portals for direct borrowers, brokers, introducers, dealers and branches. Set products, pricing and access by channel, and track every application back to its source.
A 4-minute application
A guided application wizard, not a static form. Fiskil open banking and illion bank statements fill in income and expenses, and returning borrowers re-apply in about 30 seconds.
Automated credit decisioning
EasyRule™ Credit V5 runs your credit rules, serviceability, Equifax credit file, scorecards and risk-based pricing on submission, with a decision in about 30 seconds.
ID, AML and KYC built in
GBG GreenID, Equifax IDMatrix and FrankieOne checks run inside the application, with biometrics and PEP screening. No separate process and no re-keying.
Instant contracts and e-signing
Loan documents generate in under 2 seconds from your own templates, then borrowers sign on any device through PleaseSign or DropboxSign.
Funding and handover
EasyFund™ settles the loan, then moves the full file (application, decision, documents and borrower details) to Servicer™ in one click.
How it works
The loan origination workflow, step by step
- 1
Acquisition
Customer enquiry & acquisition
Applicants or distributors access the origination platform through multiple channels, all custom-branded to your requirements and tracked by source for performance analytics.
Direct applicants
Apply Now button linked to your branded application portal. Pricing and products configurable by source.
Distributor portal
Branded Originator™ terminal. Distributors access CRM, saved applications, quoting tools and documents.
Existing clients
EasyClient™ CRM auto-populates known data. 30-second application re-submission for returning borrowers.
- 2
Application
Applicant completes application wizard
A smart, guided application wizard, not a dumb form. Logic-based, dynamic responses that adapt to inputs in real time. CRM data pre-populates wherever available.
- Guided page-by-page wizard: quoting, personal details, financials, assets & liabilities
- Dynamic credit rules, calculators and lending parameters embedded in the wizard
- Open banking integration (Fiskil): real-time automatic completion of financial data
- AML, KYC, PEPs and biometric identification embedded, no separate process
Complete application in under 4 minutes
- 3
Credit decision
Submit → instant credit decisioning via EasyRule™ V5
Upon submission, EasyRule™ V5 runs instantly: serviceability, credit rules, Equifax check, ID verification, bank statement analysis, risk-based pricing and profiling scorecards. All within 30 seconds.
Conditionally Approved
Instant contract pack. PDF download or electronic signature triggered automatically.
Referred
Colour-coded priority items flagged for credit officer review. All other rules pre-cleared.
Declined
Auto-declined per credit policy, no staff resource required. Can be manually overridden.
Credit decision delivered in under 30 seconds
- 4
Documentation
Instant document creation & electronic signature
Contracts, pre-approval letters and supporting documents are generated automatically as part of the decisioning process. No admin involvement required.
- Contract pack generated in under 2 seconds, PDF or Word document
- Electronic signature via PleaseSign™ or DropboxSign™, initiated instantly
- Automated email/SMS status updates sent to applicant and distributor
Documents created in under 2 seconds
- 5
Credit review
Credit officer completes credit process
For referred applications, credit officers are presented with a structured, colour-coded credit assessment view. All information in one place, no switching between systems.
- Colour-coded credit rules: pass, fail, and priority items prominently flagged
- External checks (Equifax, IDMatrix, illion) displayed as embedded credit rules
- Verification workflow checklist: every action tracked with audit trail, name, time and IP
- Two-way email system: all correspondence saved to electronic file automatically
- 6
Verification
Supporting documents & compliance verification
Full verification workflow with electronic checklist, guiding credit staff through every required action to verify and approve the loan application.
- Electronic verification workflow: “ticked off” actions with permanent audit trail
- Supporting documents uploaded and stored automatically
- NCCP compliant process: workflow forms part of the regulatory compliance record
- Affordability offer system: alternative term/amount calculated automatically if needed
- 7
Funding
Funding via EasyFund™ → transfer to Servicer™
EasyFund™ completes the funding process in two steps, disbursement and automatic transfer to Servicer™, all within the one platform.
- A. Disbursement: loan proceeds disbursed to borrower or vendor via EFT or manual transfer
- B. Transfer to Servicer™: complete loan details automatically sent to loan management in seconds
No data re-entry. Application, credit decision, documents and borrower details transfer to Servicer™ automatically.
Built for Australia
Responsible lending, built into the workflow
Easylodge has held its own Australian Credit Licence since it started, so the origination workflow follows how NCCP, ASIC and AFCA obligations play out in a real lending business, not just in theory.
- Responsible lending inquiries and verification captured in the application
- Serviceability and affordability from bank statements and open banking (CDR)
- Every check, decision and override stamped with user, date, time and IP
- Australian credit, ID and payment partners: Equifax, illion, GreenID, Zepto, PayWay
- Hosted on AWS managed infrastructure at Equinix SY5, Sydney. SOC 2 Type 2 certified
Loan origination system or CRM?
A CRM stores data. An origination system decides.
A CRM is good at capturing contacts and tracking a pipeline. A loan origination system interprets the application: it runs your credit rules, checks identity and serviceability, prices the risk, produces the contract and funds the loan. Lenders who run origination through a CRM usually end up with manual credit work and spreadsheets on the side. Read why the distinction matters.
Originator™ is used by private and non-bank lenders, mortgage lenders, automotive and equipment finance, consumer and personal lenders, commercial and bridging lenders, and BNPL providers. See lending software by lender type.
FAQ
Loan origination software questions
What is the difference between loan origination software and loan management software?
What is the difference between loan origination software and loan management software?
Loan origination software handles everything before a loan is funded: the application, ID and credit checks, the credit decision, documents and settlement. Loan management software (also called loan servicing software) runs the loan after funding: repayments, direct debits, arrears, hardship and reporting. Easylodge Originator™ covers origination and Easylodge Servicer™ covers loan management. Use either one on its own, or both as one platform.
How long does a loan application take in Easylodge?
How long does a loan application take in Easylodge?
A complete application, including ID verification, bank statements, assets and liabilities and affordability, can be submitted in as little as four minutes, depending on the product. EasyRule™ Credit V5 returns a credit decision in about 30 seconds and the contract generates in under 2 seconds.
Can brokers and introducers submit applications?
Can brokers and introducers submit applications?
Yes. Originator™ includes branded broker, introducer, dealer and branch portals. Each channel can have its own products, pricing and access, and brokers can see saved applications, quotes and documents in one place.
Does Originator™ support NCCP responsible lending obligations?
Does Originator™ support NCCP responsible lending obligations?
Yes. The workflow is built around NCCP responsible lending steps: inquiries into the borrower's situation, verification of income and expenses through bank statements and open banking, serviceability, and a recorded credit decision. Every check and action is stamped with user, date and time for your audit trail. Easylodge holds its own Australian Credit Licence (ACL 395839), so the platform is built by people who run under the same rules. Each lender remains responsible for its own compliance.
Can we use Originator™ with our existing loan management system?
Can we use Originator™ with our existing loan management system?
Yes. Originator™ works on its own and connects to other systems through the Easylodge open API, for example the two-way sync with Coral Finance. Many lenders start with origination and move their loan book onto Servicer™ later.
How much does Easylodge loan origination software cost?
How much does Easylodge loan origination software cost?
Originator™ is available on its own or packaged with Servicer™. Every package includes unlimited users, training, support and weekly updates. Pricing depends on your products, configuration, volumes and integrations, so the team quotes it after a short call. Book a demo for a quote.
More answers on the Easylodge FAQ.
Keep exploring
The rest of the credit lifecycle
Loan management software
Servicer™ runs funded loans: repayments, direct debits, arrears, hardship and 65 built-in reports.
The lending platform
How Originator™, EasyRule™ Credit V5 and Servicer™ work together as one system.
Integration partners
30+ pre-integrated credit, identity, open banking, payment and e-signing partners.
See the loan origination workflow live
30 minutes on the real platform with the Easylodge team. No slides, no pitch deck.