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Origination

Mortgage origination software for Canadian brokers: From first enquiry to funded, on one file

Mortgage360's mortgage origination software covers the file itself: intake, the application, client documents, conditions, underwriting and lender submissions. It lives on the same record as the client relationship in the mortgage CRM, so the person you are helping and the mortgage you are placing are never in two systems.

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The short answer

What does mortgage origination software do?

It manages the mortgage file from application to funding: collecting the application and the documents behind it, tracking the lender's conditions, qualifying the deal and recording where it was submitted. A CRM manages the relationship: leads, follow-up, renewals and referrals. In Mortgage360 they are one record, so the follow-up knows which condition is outstanding, and the file knows who referred the client.

  • Leads arrive from web forms, a leads inbox, Velocity or Lendesk, and Maya's borrower chat.
  • Application templates for residential, construction, commercial and a quick pre-qualification.
  • Co-borrowers complete their own part, on their own device, with their own consent.
  • Clients upload documents to a portal that sorts them by type.
  • Conditions tracked with owner, due date and status, and chased automatically.
  • Filogix Exchange stays your submission rail. The file syncs with it rather than replacing it.

How a file moves through Mortgage360

Four stages, one record. Each stage below is covered in detail further down.

1

Intake

Forms, the leads inbox, Velocity, Lendesk and Maya all create a structured lead with its source.

2

Application

Templates, resumable drafts and a separate co-borrower invitation.

3

Documents and conditions

Client uploads sorted by type, reviewed, and chased until cleared.

4

Submit and close

Qualify, match, submit through your usual rail, then track to funding and renewal.

1 · Intake

Every channel lands as a structured lead, not an email to retype

A lead that arrives as an unread email is a lead somebody has to re-key, and re-keying is where details go missing. Forms on your Mortgage360 agent or brokerage website create the lead directly. Mail sent to your brokerage's leads inbox is parsed into a lead or a deal. Files coming in from Velocity or Lendesk are mapped into a lead, an application and its documents. When a borrower talks to Maya, the borrower-facing AI, on your site, what she learns is mirrored into your lead pipeline, tagged with where it came from, and re-running the same conversation updates that lead instead of creating a duplicate.

  • Website forms, the leads inbox, Velocity and Lendesk inbound, and Maya conversations.
  • The source recorded on each lead, including the chat channel for leads Maya captured.
  • Round-robin assignment and first-contact reassignment handled by automations.
2 · Application

An application the client can finish, and a co-borrower can too

Applications are built from templates. Four come built in: residential for purchases, refinances and bridge first mortgages; construction, with budget, contractor and draw schedule; commercial, with income property inputs; and a quick pre-qualification that asks for little more than name, contact details and amount. A partly completed application is saved as a draft and can be resumed. A spouse or co-applicant gets their own invitation link, sees only the parts of the application meant for them, and gives their own consent from their own device, rather than sharing the primary applicant's login.

  • Brokerage-editable application templates, with the four above as a starting point.
  • Drafts saved and resumable, for the client and for the agent.
  • Co-borrower invitation valid for 30 days, with the link stored hashed, never in plain text.
  • Once submitted, the application becomes the file: borrowers, property, financials, documents, conditions, scenarios, notes and activity.
3 · Documents

The client uploads once, and the document lands where it belongs

Clients get one documents area with three parts: a drop zone that takes a pile of files and sorts them by type, a vault of everything already on file, and a list of what their agent has asked for. On the brokerage side, each document is reviewed and either approved or rejected with a note, and the rejection carries that note into the follow-up, so the client is told what to fix rather than just to try again. Classification, extraction and the identity and FINTRAC checks behind the file are the work of Harvey, the compliance AI.

  • Bulk upload with automatic classification by document type.
  • Document requests visible to the client as a list, not buried in an email thread.
  • Approve or reject with a reviewer note; resubmission tracked on the same document.
  • Documents signed for the file carry a tamper-evident hash and an audit trail of who signed what, when.
4 · Conditions

Conditions as structured items, not a paragraph in the notes

Files stall on outstanding conditions, so conditions are tracked as their own items: a description, a category, a due date, a status (open, submitted, approved or waived) and the document that cleared it. A workspace keeps a library of condition templates with a default owner (borrower, broker, lender or third party) and timing (before funding, at funding or after), so the common ones are added in a click rather than typed out again. A brokerage-wide conditions view lists every unresolved condition across active files, overdue first. Chasing is done by mortgage workflow automation: a 3, 7, 14 and 21-day ladder to the client, or a nudge to your own team when the client has already uploaded and the document is waiting on review.

  • Owner, due date, status and clearing document on every condition.
  • A condition template library per brokerage.
  • One view of every open condition in the brokerage, sorted by due date.
  • Automatic chasing that knows the difference between waiting on the client and waiting on you.
5 · Underwriting and submission

Qualify it, match it, then record where it went

Before a file goes out, mortgage underwriting in the same workspace qualifies it at the stress-test rate, matches it against your lender programs, and lists what is likely to stall it. It can also draft a submission package with a cover letter for the lender you chose. Each lender submission is recorded on the file with the lender, the date, the status and the rate offered, and a submissions history lets an agent filter by status and pick up saved drafts. Filogix Exchange stays the rail you submit through. Mortgage360 is designed to sync the file with it in both directions: pull the Filogix copy, show field-level differences, resolve each conflict (keep ours, take theirs or enter a value), push the result back, and log every step. The Filogix integration page covers how that works.

  • Lender submissions tracked per file: lender, date submitted, status, rate offered.
  • Submission history with status filters and resumable drafts.
  • Filogix conflicts resolved field by field, with each pull, push and resolution logged.
  • Your Filogix account and your lender relationships stay exactly as they are.
6 · Closing and after

Funding is where the next mortgage starts

The last stretch of a file is dates: a rate hold or pre-approval about to expire, a closing that is two weeks out. Both are triggers, with a closing countdown at 14, 7, 3 and 1 days and again once overdue. Agreements go out for e-signature, with each envelope tracked from sent to completed and every signing event recorded. When a deal funds, the file does not disappear into an archive. The client stays in the CRM with their renewal date, and the renewal campaign starts at 120 days out.

  • Rate-hold and pre-approval expiry alerts before they lapse.
  • Closing countdown reminders to the client and the agent.
  • E-signature with a full audit trail, and DocuSign where your brokerage already uses it.
  • Renewal reminders at 120, 90, 60 and 30 days, on the client you already know.
Choosing a system

What this page is, and what it is not

This page describes how origination works inside Mortgage360. If you are still deciding between platforms, we keep a separate buyer's guide where you can compare mortgage origination software in Canada, including the products we compete with and the methodology behind the ranking.

Two things Mortgage360 does not replace. The first is your submission rail: Filogix Exchange and Velocity are how most Canadian lenders receive files, and moving your daily work here does not move that. The second is the lender's adjudication, which is unchanged. What changes is where your team works all day, which is why brokerages tend to find this move less disruptive than replacing a submission system. Plans for multi-agent offices are on brokerage pricing, and Finn, the agent copilot, drafts the follow-up on files that have gone quiet.

Mortgage origination — common questions

Is Mortgage360 a loan origination system?
It covers the origination workflow — application intake, document collection, conditions and submission — alongside the CRM. What it does not do is replace Filogix Exchange, which stays your lender submission rail.
How do clients submit documents?
Through a branded client portal: the client signs in and sees a checklist of what is outstanding, on any device. Documents land on the deal rather than in an inbox, which is where most of the administrative time in a file actually goes.
Does it track conditions?
Yes, as structured items on the deal with owners and due dates rather than as notes. Outstanding conditions are what a file stalls on, so they are visible at brokerage level, not only to the agent working it.
What is the difference between a CRM and an LOS?
An LOS manages the file — application, documents, conditions, submission. A CRM manages the relationship — leads, follow-up, renewals, referrals. Mortgage360 does both on one record, which is the point; see our guide on the distinction.
Can we keep our current origination software?
Yes. Filogix Exchange stays your submission rail. The Filogix sync — field-level pull and push against the Exchange schema — is in rollout, and until it is live on your account, your existing submission arrangement carries on exactly as it is.
How long does implementation take?
It depends on the state of the data you are migrating, which is why we scope against an export of your actual records before quoting a timeline rather than publishing a number we would have to walk back.

Keep reading

Underwriting

GDS, TDS, scenarios, lender matching and readiness.

Automations

Condition chasing, closing countdowns and renewal campaigns.

Filogix sync

How the file stays consistent with Filogix Exchange.

Maya

Borrower chat that turns a conversation into a lead.

Harvey

Document classification, ID checks and FINTRAC records.

CRM vs LOS

Why the relationship and the file belong on one record.

Ready when you are

Walk one of your files through it

Bring a recent deal, from enquiry to conditions, and we will run it end to end on the call.

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