Industry Leading Software Systems
Cogent Road currently sells three enterprise-wide, internet based software systems to the mortgage industry. Each of the three applications below can be deployed across small organizations in minutes, and the largest in mere hours. Each come with robust user-level security and access controls, along with support for centralized management of different locations, divisions and departments. Cogent Road's applications are modular and can be used separately, or joined together for seamless cost accounting, billing and integrated reporting.

Credit Report Management Software

Cogent Road is the company behind the Funding Suite credit management system, used daily by more than 20,000 mortgage originators nationwide.

Funding Suite offers cost accounting, billing and payment controls across different geographical locations. Drill down reporting offers detail into the purchases and production across the entire organization.

Funding Suite's Intelligent Credit Report also offers the most advance credit reporting analytics available anywhere, and robust, user level security controls can restrict access to any function, or the entire system altogether based on location of time of day.

Packaged Mortgage Prequalifying Services

AVAIL is the only application of its type that helps mortgage originators manage the mortgage prequalifying process for all declined loan applicants.

For any applicant that does not immediately qualify for a mortgage, the mortgage originator simply enrolls them in the AVAIL program. AVAIL uses a variety of automated credit education and awareness tools to help the applicant in their journey toward better credit health.

By using AVAIL, originators can efficiently work with thousands of declined clients at one time, while being notified the moment anyone of them achieves predefined qualifying criteria.

AVM Management Software

AVSpectrum efficiently manages AVM (automated valuation model) selection, ordering, analysis and storage across mid to large size mortgage lending institutions.

Clients can set-up an unlimited number of users and assign each to specific departments for cost accounting and billing management. Administrators may define AVM selection rules to ensure consistent AVM selection by loan type, geography, credit scores and more.

To provide insight to your AVM results, AVSpectrum also provides an unlimited number of customized reports to analyze previously pulled AVM data using charts, graphs and numerical computations.