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HELOC’s & Home Equity

Simplify your organization’s HELOC and home equity loan process with DecisionLender 4.

DecisionLender 4 (DL4) allows your institution to offer consumers their choice of home equity loans or HELOCs. It gives you the flexibility to offer fixed and variable terms, drawdown periods for HELOCs, adjusted amortization schedules with larger repayments, robust full LAR reporting to meet HMDA requirements, and so much more.

Control the workflow based on your institution’s needs
  • Make immediate rate changes without requiring tickets or IT resources
  • Define required application fields for submission and get automatic notifications for incomplete fields
  • Offer HELOCs or home equity loans in-branch or online
  • Create automatically populated fee templates for home equity loans with drop-down menus for taxes, government fees and escrow payments
  • Change the workflow by adjusting the tabs and information delivery to match your process
Accuracy and efficiency with integration and automation
  • Capture equity positions with automatically calculated LTV, CLTV and HCLTV
  • Instantly complete flood appraisals and searches during the application process and use collected data to auto-fill applications and forms
  • Immediately integrate with FirstClose for appraisals, flood certificates and more
  • Generate automated inspection orders for partner vendors
  • Auto-populate title information when using partner title vendors
Benefit from system-tracked compliance at all stages
  • Provides robust reporting options with a full LAR report data set, meeting HMDA requirements
  • Submits reports through a standard Questsoft report for compliance or manually upload to the FFEIC website
  • Tracks dates for disclosure document fulfillment
  • Automatically updates weekly APOR and check the spread between APOR and qualifying rate, instantly triggering requirements for high-priced mortgage loans (HPML) and high-cost equity loans under The Home Ownership and Equity Protection Act (HOEPA)
  • Delivers notifications once escrow account requirement is triggered
  • Flags high-cost loans and locates nearby home counseling classes
  • Includes multiple loan status updates with date tracking for phases like order-out dates for appraisal, title and income verification, and final disclosures
DecisionLender 4 is the only loan origination system that gives you the tools necessary to configure your own home equity loan and HELOC product workflow. DL4 always ensures ongoing compliance and empowers your institution to continue meeting consumers where they want to do business.


(800) 841-9950

1600 SUNFLOWER AVE, #200

About TCI

A leading provider of software-as-a-service (SaaS) loan origination solutions for credit unions, banks, and finance companies. As a leader in loan origination software advancement, TCI introduced the industry’s first cloud-based SaaS loan origination solution in 1998. After 20 years in the loan software industry, we haven’t lost our desire to innovate and evolve, ensuring institutions like yours get the best service, consistent uptime and breakthrough innovation you need. After changing the lending landscape forever in 1998 and establishing our place as the industry innovator, TCI continues to revolutionize the lending process. Our sole focus is on making responsive, configurable online/mobile, direct and indirect lending accessible, safe and easy for financial institutions of all sizes so they can keep pace with fintech disruptions and give their borrowers the frictionless lending experience they’ve come to expect.

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