One engine. One file. Three surfaces.
Most point-of-sale stacks are a collection of tools that disagree with each other — the borrower sees one number, the loan officer another, the LOS a third. Apsis Line is built the other way around: a single deterministic engine renders the same file to the borrower, the loan officer, and leadership, and everything downstream inherits its discipline.
Borrower Journey
Home equity, cash-out refinance, and purchase pre-approval — completed by the borrower alone, on rails, with consent gates and e-sign disclosures built in. Explore the borrower journey →
Loan Officer Workspace
The full URLA 1003, vendor services in one tray, pipeline continuity with the self-serve journey, and a disclosure launch that refuses to fire on an unclean file. Explore the workspace →
Intelligence
Outcome-tied evidence: experiment arms, conversion signals, pricing-choice performance, and re-engagement for the leads that stall. Explore the intelligence layer →
What “one platform” actually means here
- One calculation engine. Payment, LTV, funding fees, mortgage insurance, and consolidation math come from a single deterministic library. The workbench, the review screen, the disclosure package, and the MISMO push all read from it — the same inputs produce the same outputs, byte for byte, forever.
- One file. A borrower who starts self-serve and finishes with a loan officer keeps the same application — no re-keying, no “let me just get some of that information again.” The workspace picks up mid-journey files with everything intact.
- One tenant configuration. Brand, palette, program overlays, and vendor connections resolve from a registry entry. A new lender is configuration, not a fork — white-label to the borrower under your domain and your brand.
- One LOS connection — to the LOS you already run. Your LOS stays the system of record. Application push (MISMO 3.4, the industry-standard interchange), service orders, disclosure generation, and status write-backs ride one governed connection. The integration is deepest today on Encompass; the same seams wire to any MISMO-capable LOS. See the full integration surface →
Positioning, plainly: Apsis Line is an intelligent middleware layer above the LOS — it maximizes what your existing LOS investment produces upstream of underwriting, whichever LOS you run. It does not replace the LOS, re-decision credit, or introduce a second source of truth.