For Originators
Application intake, counseling validation, scenario modeling, and a single status view for borrowers and referral partners.
Originator workspace →
ReversePilot is the cloud-native loan origination, fulfillment, and post-closing platform built for the unique compliance, calculation, and servicing requirements of HECM and proprietary reverse loans — at institutional scale.
Replace spreadsheets, generic LOSes, and stitched-together vendors with a single, audited system of record — engineered for the regulatory and computational complexity of HECM and proprietary reverse products.
Every screen, calc, document, and audit trail reflects HECM and proprietary product mechanics — not retrofitted forward-mortgage logic.
Tour the platform →Field-level locking, historical reporting, NMLS / HMDA / FHA controls, and granular audit logs are first-class — not bolt-ons.
See trust center →A documented REST & webhook API, SCIM, SAML/OIDC SSO, and a 40+ vendor integration catalog let you fit ReversePilot into the stack you already run.
Browse integrations →Live pipeline metrics, cycle-time analytics, and exception queues replace status meetings — routed to the user, channel, or system that needs them.
Explore reporting →Generate state-specific HECM document packages with deterministic versioning, e-sign orchestration, and immutable retention.
Document Engine →Loan officers, processors, and underwriters work the same record concurrently, with conflict-free updates and per-field history.
See collaboration →ReversePilot consolidates the eight workflows your operation runs on. No exporting between systems. No reconciling rule versions. No stale documents.
Counseling validation, financial assessment, and case number assignment.
State-specific packages, RESPA/TILA timing, and TRID-aligned tracking.
Conditions, vendor orders, document classification, and exception routing.
Decisioning workspace with property, residual, and LESA analysis.
HECM-specific closing docs, e-notarization, and disbursement instructions.
Wire orchestration, draw schedules, and FHA insurance filing.
Trailing docs, MERS registration, and investor delivery.
Structured export to your servicer of record with full provenance.
HECM lending lives at the intersection of HUD, FHA, NMLS, RESPA, TILA, and state-level seniors-protection statutes. ReversePilot's compliance engine ties controls directly to fields, documents, and decisions — producing the evidence your auditors expect on the day they ask.
Principal limit, expected interest rate, set-aside, payment plan reconfiguration, growth factor, and IMIP — calculated against the live HUD factor table you specify, with full traceability for every input.
// POST /v1/loans/RP-204881/calc/principal-limit { "borrower_age": 73, "co_borrower_age": 71, "property_value": 512000, "max_claim_amount": 512000, "expected_rate": 6.875, "factor_table": "HUD-2024-09", "payment_plan": "tenure" } → 200 OK { "principal_limit": 241664.00, "plf": 0.472, "lesa_required": false, "calc_id": "calc_01HXC9P..." }
From originator workflow to executive line-of-business reporting, ReversePilot adapts to how each team actually works — without forking the data model.
Application intake, counseling validation, scenario modeling, and a single status view for borrowers and referral partners.
Originator workspace →Conditions tracking, vendor order management, intelligent document classification, and exception queues by aging bucket.
Processing workflow →Decisioning workspace with credit, property, residual income, and LESA analysis — plus structured stip and counter-offer workflows.
Underwriting workspace →HECM-specific closing packages, schedule coordination with title and notary, and disbursement instruction generation.
Closing workflow →Field-level controls, configurable rules, exception reporting, audit log access, and one-click HMDA LAR generation.
Compliance program →Live line-of-business KPIs, channel-level economics, and capacity planning — the operational picture, on demand.
Executive view →Independent attestations, modern identity, transparent subprocessor lists, and the operational discipline expected of an enterprise system of record.
Title, FHA, MERS, flood, credit, eSign, AUS, accounting, and servicing — pre-built and maintained, with a documented API for everything else.
Document management, calculations, reporting, wholesale, the borrower portal, and CloseAuthority — designed around the way reverse mortgage lending actually works.
Custom forms, a state-aware document matrix, classified intake, custom exports, and integrated e-sign.
Documents →Optimize closing date and expected rate to maximize proceeds — with line-by-line HUD references.
Calc engine →Robust reporting against every field, with HMDA, NMLS, and custom reports out of the box.
Reporting →Approved-broker portals, channel-aware compliance, and the controls a wholesale program demands.
Wholesale →A whitelabeled portal where borrowers see exactly what you choose to expose — nothing more.
Portal →Approved title partners execute closings inside ReversePilot, under lender-controlled compliance rules.
CloseAuthority →Practical guides, audited benchmarks, and regulatory briefings written by operators who have run HECM businesses themselves.
A 60-page reference for executives leading consolidation onto a single LOS.
Cycle time, conditions per loan, and per-FTE volume across enterprise lenders.
A regulator's-eye view of expectations for HECM HMDA reporting in 2026.
Schedule a guided demonstration with a solutions engineer. We'll map ReversePilot to your current process, integrations, and compliance program.