Experience Lending Automation

Home Equity
ExpressTM

Automate your home equity processes from start to finish.
Clear-to-close* in days, impress borrowers, and scale home equity volume.

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Aligning Borrowers & Lenders

Transform your home equity lending processes into a fast, flexible, and
intelligent experience. Home Equity ExpressTM delivers standout experiences
for both the lender and borrower through flexible workflows, dynamic communications, and automated decisions.

Borrower Experience

From real-time borrower updates to dynamic
communications, Home Equity Express makes
lenders fast, flexible, and modern—without ever
losing the human touch.

Online Application

Borrowers apply for a loan online and instantly see tailored loan options, and lenders easily see their strongest candidates automatically.

Instant Property Condition

Borrowers submit photos of their home to quickly validate
the property's condition before loan approval.

Real-Time Insights

Allows members a single source to check loan status,
communicate via text and email, and upload documents.

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Lender Experience

Fuel operational efficiency and get a simplified lending
experience with intelligent automation. Guarantee your
workflows are aligned to your unique policies and procedures.

Smarter Workflows

No code, drag-and-drop home equity workflows at the push of a button—mirroring your policies and products.

Process Transformation Experts

Powered by a proprietary Collateral Decision EngineTM
to lend intelligently.

Automate Lender Decisions
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Compliance & Operations Experience

Simplify the way you manage lending operations and dynamic regulatory environments. Increase compliance controls, navigate
the environment, and streamline change management.

Centralize Lending Processes

See both the overall workflow and specific loan audit trails with
pre-built and flexible workflows mapped to your unique policies.

Unified Billing & Operations

One login. One single sign-on. All your vendors and billing
via Coviance Connectors.

HMDA Reporting

Automatically see current HMDA requirements and validate
at the loan level, saving you hours, days, or weeks to collect
and submit data.

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Powerful LOS Integrations

Accelerate and scale your home equity lending with Coviance’s pre-built, no-code integrations. These plug-and-play connectors seamlessly communicate with the LOS to enable quicker, consistent, and secure data and order fulfillment.

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From Onboarding to Ongoing

Customized onboarding to your unique lending processes. And hands-on support during and after implementation. That’s the Coviance client support promise.

Computer screen showing a streamlined process

Kick-Off

First, we have a kick-off
call all to learn about your
lending policies and procedures.

Computer screen showing charts and processing and automation

Rapid Setup

No implementations that take months. Get up and running with our pre-built templates within days.

a man viewing a process for loan applications

Client Support

Partner with a relationship
manager to optimize
your lending process
throughout the journey.

Get to know more about
Home Equity Express

Closing loans faster and with ease has created the borrower experience to be exceptional. We're gaining reputation and getting repeat borrowers because of the efficiency with our process utilizing Coviance. So it's made a tremendous difference in our ability to capture more volume in our local area.
Scott Johnson
SVP, Director of Consumer Lending & Residential Mortgage
Prior to partnering with Coviance, we were closing home equity loans in 40 to 45 days. Now with Home Equity Express, the average has dropped to 5 to 6 days. We’ve used this technology to speed up our processes for us and our members, while also making our workflows more efficient and cost effective.
Todd Peeples
Senior Vice President of Sales and Lending
Home Equity Express has everything we need from start to finish. The implementation was quick, it integrated with our LOS, and the training was impeccable. We were off to a great start within the first 30 days.
Jessica Micheri
Vice President of Lending
The workflow automation handles our process so well, and has made working through large loan volume so much faster. On average, our home equity life cycle is 11 days, with the shortest time to close being just 4 days, which is remarkable.
Karis Harlan
Associate Director of Residential Lending
Coviance has transformed our lending operations for the better. As a lender in a highly competitive industry, increasing efficiency and loan volume is crucial to our success, and Coviance's platform and success team have partnered alongside to achieve these goals.
Teri Rumley
VP, Loan Administration Manager

Automate Home Equity Lending

Get in touch with us to see a tailored demo, personalized to your institution and your needs.

Frequently Asked Questions

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What are the key benefits of Coviance's Home Equity Express for financial institutions?

Coviance's Home Equity Express offers significant advantages for both lenders and their borrowers:

  • For Lenders:
    • Faster Loan Processing: Streamlined workflows and data automation significantly reduce loan processing times, allowing your organization to originate loans faster and serve more customers efficiently.
    • Reduced Costs: Automating manual tasks minimizes operational expenses and frees up staff time, leading to a better return on investment.
    • Enhanced Customer Satisfaction: A quicker and more streamlined loan process improves the customer experience and fosters loyalty.
  • For Borrowers:
    • Faster Access to Funds: Home Equity Express allows customers to get the money they need quicker through faster application processing and closing times.
    • Simplified Experience: A user-friendly online application process and clear communication throughout the loan journey reduce stress for customers.
    • Competitive Rates and Terms: Coviance's platform helps financial institutions offer competitive rates and flexible loan terms to attract customers.