Loan origination software for banks & credit unions.
If you are adding or already own a home-improvement lending program, OneApp Finance is the origination system you run as the lender of record. It is built for the way your institution is examined: compliance wired into the rails, borrower data single-tenant in your own cloud, and your brand and the member relationship staying entirely with you. You lend on your own balance sheet; we are the software underneath, never the lender.
Own the program, the brand, and the member relationship
A bank or credit union adding home-improvement lending has a different starting point from a fintech or a contractor network. You already hold the capital, the charter, and the examiner relationship, and you do not want a vendor sitting between you and your members. OneApp Finance maps you to the direct-lender model: you are the lender of record, the loan stays on your balance sheet, and the software runs the origination underneath your own name.
You are the lender of record, end to end
The homeowner applies, your credit policy decides, the borrower signs, and money goes out in stages as the work is completed, all on one origination spine you run. OneApp Finance is licensed software, not a lender and not a redirect portal, so your institution's name is the only one a member ever sees.
- Your brand on every borrower- and contractor-facing screen, email, sender, domain, and disclosure footer. It is a structural rule, not a setting, so a member never lands on a vendor's brand.
- Loans funded on your own balance sheet, inside your credit box, under your rate card and your risk appetite, never a default we ship.
- Origination only, with a clean handoff to your core or servicer at boarding. OneApp Finance does not hold your loan ledger, post payments, or run collections.
- The member relationship stays yours, from the first application through the funded loan, with no network in the middle of it.
What stays with your institution
- Lender of record on every loan
- Loans on your own balance sheet
- Your brand on every member-facing surface
- Your credit box, rate card, and policy
- The member relationship, start to finish
Compliance in the rails, not bolted on after
Examiner risk is the first thing a lending committee asks about, so OneApp Finance is built so the controls your charter requires are part of the origination spine, not a checklist your team maintains by hand. Each decision is designed to be reconstructable years later under the rules that were in force at the time.
TILA figures, computed once and locked
The disclosed loan figures are computed and locked, and a change to scope, term, payee, or rate voids the signed agreement and re-discloses before any more money moves.
Reg B adverse action, tracked
Every decline carries its adverse-action obligation, so the notice the borrower is owed is tracked rather than left to a manual step.
KYC and OFAC at intake
Identity and screening run as part of the application, with the homeowner authorizing on their own device, so a contractor's rep cannot sign in their place.
A 50-state policy matrix and an append-only audit trail the Core is built to re-perform itself sit underneath all of it. See the compliance floor →
Single-tenant, in your own cloud, your data and your keys
A common reason institutions hesitate on a vendor is data pooling: borrower records mingled in a shared database alongside other lenders' applicants. OneApp Finance is built the opposite way. Each institution gets a single, isolated instance deployed in your own cloud, or run for you as a managed single-tenant install. Physical isolation is the design, not a premium tier.
- One instance per institution, with no shared database across lenders. Your members' data is never co-mingled with anyone else's.
- Deployed in your own cloud, so the data stays inside your perimeter and under your controls.
- Your data and your keys. Encryption keys and the data itself stay yours, not held in a vendor's central store.
- Operator-neutral by construction, so your servicer, your rate card, and your vendors are configuration, never our defaults.
How isolation works
- A single-tenant instance, one per institution
- Deployed in your own cloud
- No shared database across lenders
- Your data and your encryption keys
- No borrower records pooled with a vendor
Set products, rates, and policy without code
Institutions move on a credit-committee cadence, not a sprint cadence, so the levers a lending team needs are configuration, not engineering work. In Config Studio your team builds and governs programs, products, rate cards, knockouts, tiers, limits, and stipulation rules, all change-controlled and versioned, with the person who authors a change kept separate from the person who activates it.
The lending committee's levers, change-controlled
Products and rate cards
Define your home-improvement products, terms, and rate cards in Config Studio, adjust them as your pricing changes, and keep every version on record.
Credit policy and knockouts
Set your credit box, knockouts, tiers, limits, and stipulation rules above a non-negotiable safety floor the platform is built to hold, so a program missing a required gate cannot publish.
Author separate from activator
Changes are authored, reviewed, and then activated by a different person, so a policy change carries the separation of duties an examiner expects.
Versioned and provable
Every decision pins the exact model and policy version that ran, so a replay loads what was in force at the time, never "latest."
Launch a program or adjust a rate card without filing an engineering ticket. Explore Config Studio →
Common questions
Are we the lender of record?
Where does borrower data live?
How does this hold up in an exam?
Can we add multi-lender routing later?
See your lending program running on OneApp Finance
Bring your credit policy and your compliance requirements, and we will walk a home-improvement loan from application to a funded, boarded loan, all under your own brand and in your own cloud.