Empowering Mortgage Lenders with Smarter Oversight and Performance Clarity
Mortgage lenders and originators operate under intense regulatory scrutiny and competitive pressure. From loan origination to servicing, every step must align with evolving federal and state lending regulations, investor expectations, and consumer protection standards. Ensuring compliance while maintaining efficiency and profitability requires automation, transparency, and real-time insight.
360factors’ main platforms, Predict360 and Lumify360, help mortgage lenders modernize compliance, strengthen governance, and turn data into useful business intelligence.
These solutions allow lenders to transform their operations from reactive oversight to proactive performance management:
- Ensure Lending Compliance: Automate regulatory monitoring, testing, and reporting for CFPB, FHA, and state requirements with Predict360.
- Enhance Risk and Quality Oversight: Identify and mitigate emerging operational, credit, and compliance risks through AI, across the mortgage lifecycle.
- Gain Unified Business Insight: Use Lumify360’s AI-driven dashboards to connect financial, compliance, and loan performance data.
Industry Challenges for Mortgage Bankers
Mortgage lenders must navigate a constantly evolving landscape of federal and state regulations, encompassing fair lending and anti-discrimination laws, as well as mortgage servicing and data protection requirements. Manual processes, fragmented systems, and limited visibility increase the risk of non-compliance, inefficiency, and missed opportunities.
Common challenges include:
- Frequent regulatory updates from the CFPB, HUD, FHA, and state agencies require constant monitoring and documentation.
- Disconnected systems between origination, underwriting, and compliance departments that limit visibility.
- Increased pressure to document fair lending, disclosure, and audit compliance during examinations.
- Rising operational risk due to data silos and manual quality control processes.
- Compliance teams tasked with ensuring accuracy and speed across high loan volumes using limited automation.
Intelligent Risk and Compliance Management for Mortgage Lenders with Predict360
Predict360 enables mortgage lenders to maintain compliance confidence, process transparency, and operational efficiency through AI-driven automation and centralized oversight. With AI Companion Kaia integrated within Predict360, compliance and risk teams can instantly reference CFPB, FHA, or HUD rules, interpret requirements, and streamline documentation without leaving their workflows.
With Predict360, mortgage lenders can:
- Automate compliance monitoring, testing, and reporting across origination, servicing, and underwriting with Kaia summarizing relevant regulations and guidance as needed.
- Centralize risk assessments and control testing through Kaia to identify vulnerabilities early and maintain compliance integrity.
- Track and assess regulatory changes from federal and state authorities, ensuring lending practices stay aligned with evolving rules.
- Manage policies, procedures, and corrective actions in one platform, enabling consistent documentation and accountability.
- Generate audit- and investor-ready reports automatically, reducing preparation time for examinations and internal reviews.
Lumify360 Data and Performance Management for Mortgage Lenders
In the mortgage industry, data is critical to understanding profitability, compliance health, and operational performance. Lumify360 consolidates siloed data sources from LOS, servicing platforms, compliance systems, and financial tools into unified dashboards that provide real-time visibility and insight.
What mortgage lenders gain with Lumify360:
- Integrate performance, risk, and compliance data into a single, accurate view of operations.
- Track and visualize key metrics such as loan quality, pipeline velocity, compliance exceptions, and servicing performance.
- Use predictive analytics to forecast operational trends, identify risks, and guide decision-making.
- Empower leadership and compliance teams with intuitive dashboards that simplify complex data.
- Connect seamlessly with Power BI and existing business systems to align compliance and performance intelligence.
Why Choose 360factors?
360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.
Complete GRC
All the GRC tools you need integrated in one solution
Basic to Enterprise
From simple risk assessment to complete risk register and control testing
Speed & Execution
Insights into your risk program & control effectiveness
Fast Implementation
The cloud-based solution can be integrated within days
Flexible and Modular
Pick the modules you need for your business
Easy to Use
Automation and an intuitive interface ensure ease of useLearn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.
We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.
Mark Casel Chief Risk Officer
We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.
Eric Sprink President & CEO
Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.
Julie Dahle EVP and Chief Risk Officer
As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.
David Claussen Chief Risk Officer
360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.
Joanna Chancellor Business Support Manager
The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.
Steve Parker Chief Executive Officer
We believe our collaboration with 360factors and the technology they bring supports our vision for the future.
Gina Anonuevo Chief Compliance Officer
Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.
Crystal Barnes Regulatory Compliance Specialist
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