Mortgage Loan Origination System (LOS)
Deploy AI agents that work alongside your team. Finish complex work together or delegate entire closing conditions end-to-end.
| Verify employment for each borrower | |
| Obtain evidence of hazard insurance | |
| Document the source of the large deposit | |
| Verify assets needed to close | |
| Obtain the most recent paystub |
Verify Employment Verification | |
Hazard Insurance Declarations Phone Request | |
Large Deposit Explanation Document | |
Most Recent Paystub Document |
Transform long PDFs into actionable tasks that represent the real work that actually needs to be completed.
| Maria Lopez | |
| Daniel Lopez |
| Maria Lopez | |
| Daniel Lopez |
Automatically deliver disclosures electronically and via physical mail. Prevent invalid pricing with agents.
W-2 2025 | $78,940.00 |
Paystub, Jun 30 | $40,234.92 YTD |
Extract and validate income data from borrower documents. Automatically generate an auditable income calculation.
Option 1
Verification
Option 2
Document
Document
Connect with any verification provider to prompt borrowers for simple, efficient verification of assets, income, and employment.
Harbor Insurance Call · 2 min | |
First National Payoff Dept. | |
Declarations Page Attached to the loan |
Save valuable processing time. Reach out for insurance changes, loan payoffs, and more using a Gizmo voice agent.
What is a mortgage LOS?
A loan origination system (LOS) is where a mortgage file is built and worked: borrower data, scenarios, AUS, conditions, documents, and disclosures. Gizmo's LOS shares that file with the POS, pricing engine, and CRM.
Can Gizmo replace Encompass?
Yes. Many teams start with Gizmo's Encompass integration, which reads existing loan data and exports leads to Encompass when credit is pulled, then move fully to Gizmo when they're ready.
Does Gizmo support DU and LPA?
Yes. Run Fannie Mae DU and Freddie Mac LPA on the same scenario, then turn the findings into prioritized conditions.
Is Gizmo an LOS for brokers or lenders?
Both. Gizmo supports broker, correspondent, and direct lending channels on one platform, so growing from broker to lender doesn't require a new LOS.