State-of-the-Art Technology

The technologies you need to grow are right here.

Proprietary technology ecosystem

Evolve’s proprietary ecosystem lets you access individual applications or a combination of them to create end-to-end processes spanning your entire loan workflow. Easily customized and integrated into your operations, it’s the technology you need to transform your business—all in one place.


ecosystem ecosystem

The Experience You Need

Evolve has more than two decades of experience delivering leading-edge tools that empower companies to thrive—and that require zero of your IT and staff resources.

Prepare to evolve.
Point of Sale

Evolve helps you remove the pain and paper from the mortgage origination process. Its easy-to-use point of sale system integrates effortlessly with your processes or flows into Evolve’s disclosure and mortgage underwriting systems to improve loan officer and processor efficiency and sales.

You’ll experience how rapidly a streamlined flow of data and documents improves your processes—and you’ll instantly capture “source of truth” data from borrower accounts. The Evolve platform also motivates borrowers to become more self-sufficient and take action, empowering them while reducing your workload.

Originating loans has never been so easy.

Client Portal

Evolve’s real-time client portal is an entry point for all its technology products and services. Within a secure environment, you’ll be able to manage pipelines, view loan statuses, review findings and respond to loan underwriting conditions, access custom reports, as well as permit or restrict access to individuals and partners. Designed and refined by customers over the past 20 years, Evolve’s client portal is a user-friendly and resourceful tool that can be branded as an extension of your existing technology platforms.

If you’re looking for one-stop access to all your technology needs, it’s here.

Product, Pricing, Eligibility and AUS

Evolve’s state-of-the-art product, pricing, eligibility and AUS rules engine creates efficient, simple workflows and is seamlessly integrated within Evolve’s systems, giving you instant and unlimited scalability—regardless of loan type.

The highly adaptable product and pricing engine delivers accurate locks, rates and prices on any loan and ensures borrowers are presented with the best loan options, including “near-miss” opportunities. Whether your business is retail, wholesale or correspondent, and whether you sell conventional or non-QM loans, no company brings as much consistency and transparency to loan production as Evolve.

Veptas Appraisal Platform

Say goodbye to costly and inefficient appraisal delays. With Veptas, Evolve’s automated appraisal management platform, you’ll have full control over the appraisal process while ensuring licensed, competent appraisers with local market expertise are selected for every assignment.

Through double-blind functionality, Veptas provides direct, two-way communication with appraisers that eliminates miscommunication and delays. With its automatic auditing capabilities, Veptas will also free up your underwriting team by making certain that every appraisal complies with Regulation Z/Dodd Frank and Appraiser Independence Rules.

With Evolve, higher quality appraisals and shorter closing times are within your reach.

Document Management

Evolve improves document management at all stages of the loan lifecycle through its Evolved Intelligence software. Featuring proprietary machine vision technology powered by AI and machine learning, Evolve’s document management solutions lower mortgage processing costs, enhance compliance and enable more efficient trades.

With Evolve’s unique AI Agent Assist technology, it’s never been easier to extract data from any type of document or accurately pinpoint missing data and documents. Plus, users can effortlessly convert paper documents and PDFs to SMART Docs with Evolve’s SigniaDocuments Doc Editor solution—enabling data to be fed into downstream applications for greater efficiency.

This is the gold standard for document management.

Loan Underwriting

Why pay outrageous loan origination system fees when you can have a complete, prior approval underwriting system that is efficient and easy to use—at a significantly lower price?

Don’t be held hostage by your lending technology. With Evolve’s proprietary underwriting platform, you’ll increase loan throughput while eliminating traditional system hard stops. It supports conventional, FHA, VA, USDA, and non-QM loan types and is continuously being improved with input from customers.

With the Evolve underwriting platform as your system of record, you’ll see how easy it is to dramatically reduce origination costs—and grow as fast as you want to.


There’s more to the loan document package than just the eNote. Evolve’s subsidiary, SigniaDocuments, is the industry leader for Category 1 SMART Docs and eVault services, putting organizations on the fast track to true digital mortgages and making data more accessible and actionable for post-closing activities.

Because SigniaDocuments provides a full library of SMART Docs that can be read electronically before and after signing, there’s never a need for OCR or manual data extraction. You’ll be empowered to process loan documents with 100% accuracy and 100% compliance with all federal, state and agency regulations and accelerate production at every stage in the loan lifecycle.

Correspondent Loan Acquisition Platform

Evolve’s Loan Acquisition Platform is specifically designed for buying closed loans from your correspondent sellers. It is not a modified loan origination system, but rather an acquisition system built specifically for aggregators actively purchasing closed loans.

Equipped with Evolve’s proprietary pricing engine for seamless data delivery, this adaptable solution is a secure, branded portal for loan review and acquisition. You can customize pricing, rules, and licensing to ensure counterparty management, access built-in purchase advice, and produce ULDD for agency sales. Plus, you can obtain dozens of reports, or Evolve can build additional custom reports for you.

This is loan acquisition, optimized.

Encompass Connector

Evolve’s Encompass Connector enables a seamless flow of data, images, milestones and conditions from Evolve’s mortgage underwriting and closed loan systems to Ellie Mae’s Encompass platform. As data and images are passed back, your milestones and conditions are automatically updated in real time as Evolve underwriters work through your loan files.

Get the best of both worlds—Evolve’s industry-leading underwriting and closed loan technology without having to spend internal resources to keep Encompass updated. That’s how we Evolve.


Evolve’s eVault solution provides a simple user interface to interact with vaulted electronic documents and to initiate transactions to the MERS eRegistry.

eVault services are MISMO- and GSE-certified and meet all legal, technical and compliance requirements for secure storage of electronic loan files. With Evolve, you’ll gain real-time visibility to loan information, robust audit tracking, third-party access for pool certification as well as quicker access to capital. You can also automate tasks to create smoother workflows—including eNote transfer and acceptance activities, and alerts about vault activities that need attention.

Storing and managing electronic loan files is now much safer and easier.


Combined with the eVault solution, Evolve’s eRegistry solution provides seamless and secure transfer of electronic loan documents directly to the MERS eRegistry.

Evolve’s eRegistry services come with investor, servicer and custodial views as well as third party access for pool certification. This proprietary technology is designed to meet the demands of originators of non-agency collateral and is capable of serving non-mortgage lending assets.

For fast and efficient electronic registrations, no one does it better than Evolve.

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