The stack your current shop won't build. 115 CMS loan officers close loans on it every day. If you want in, you have to be one of us — and cohort 02 is opening now.
Pull credit in one tab. Re-run scenarios in the calculator. Copy-paste rates into Gmail. Chase conditions in Arive. Translate all of it into plain English for a borrower who's been texting you since 7am. Then do it 30 more times today. That was us. 115 LOs, two years, same stack. Then we built the thing we wished existed.
Genesis drafts the email. Picks the lender. Fills the 1003. Remembers which overlay just changed. It doesn't pull credit on its own. It doesn't submit to a lender on its own. It doesn't do a single thing a compliance officer would ask you about. It just makes you the fastest, best-informed LO on every call.
Pipeline, scenarios, pricing, 1003, docs, borrower chat. One URL. You open it at 8am and close it at 5 — if you want.
Global chat, contextual drafts, and specialist agents for pricing, 1003, and pipeline. The smart LO in the room — except it's you, amplified.
Magic-link auth. Plain-English milestones. Mobile-first doc upload. Your brand on every screen your borrower touches.
We run parallel. New refis here. Arive handles the regulated back-end. We're shutting it down over 2026. Zero migration drama.
Every screen is the answer to "what do I need right now?" — for a loan officer, on a call, running live. Not for a product manager. Not for a demo. For you, at 10:47am, with three borrowers in your calendar before lunch.
Pull credit once. Genesis auto-fills the 1003 from the pull, runs refi/buydown/purchase math live, and generates a borrower-facing share page with view tracking — before you've switched tabs. Your borrower gets a number while they're still on the phone. You both look smart.
Genesis's Pricing Agent compares 50+ wholesale lenders in parallel, filters out the overlays that'd burn you, and ranks by all-in borrower benefit — not just rate. It tells you why, in plain English. You approve the lock. You never accidentally quote PennyMac on a loan that fails their seasoning rule again.
| Lender | Tier | LTV | Rate | Note |
|---|---|---|---|---|
| Summit Capital | 1 · Preferred | 85% | 6.125% | Best overall — fast turn |
| Arrowpoint Lending | 1 · Preferred | 85% | 6.250% | 21-day close, low doc |
| Harbor Mortgage | 2 · Standard | 80% | 6.375% | Reliable, full doc |
| Beacon National | 2 · Standard | 80% | 6.500% | Strong jumbo program |
| Redwood Loans | 3 · Specialty | 75% | 6.750% | Specialty non-QM |
Genesis reads the credit report, the pay stubs, the W-2s, the bank statements, the purchase contract — and drops the fields straight into the 1003. Every auto-filled field is labeled, sourced, and one click from the exact box it came from. You check the work. You don't do the work.
Magic-link auth. Milestone tracker in plain English. A chat with you that Genesis helps draft — on your side, never theirs. No "CTC." No "TRID." Just: your application → underwriter → locked → docs → cleared → homeowner. Your borrowers upload W-2s from parking lots instead of mail merging you from 15 emails back.
Three layers. One brain. Running on every loan in the pipeline right now. In your sidebar when you need to ask. In every workflow when you need a draft. Specialist agents that own whole columns of the desk — so you don't have to.
Always one keystroke away. Ask anything about any loan in your book, any guideline, any lender overlay. It knows your pipeline better than you do before your coffee kicks in.
On the 1003, it's the 1003 Agent. On pricing, it's the Pricing Agent. Same pane, different persona. It's whichever specialist you need at the screen you're on. You never feel like you switched apps.
Purpose-built for Pricing, 1003, and Pipeline in v1. Condition and Disclosure agents land next quarter. Each one owns a column of your desk. Your processor, your pricing desk, your memory — all on call.
No roadmap theater. Refis go through CMS LOS today. Arive still handles regulated outputs on v1. We're expanding the boundary stage by stage. Every release lands on LOs' screens the week it ships.
Every vendor you've evaluated was built by people who've never quoted a borrower at 7:45am. We're a broker shop with 115 LOs across 27 states. We built CMS LOS for ourselves because nothing on the market worked the way a real desk works. Your tech, for once, is built by someone who knows what a condition letter at 4:55pm on a Friday feels like.
You complain about a workflow in the morning stand-up, it's in the release notes Friday. No ticket queue. No vendor roadmap lottery. A Slack DM closes the loop.
CMS is the only customer. Our SOPs, our lender list, our brand — hardcoded. The product doesn't flex to fit 200 shops. It fits ours. And you work at ours.
Solo founder-engineer + AI coworkers. No quarterly Gantt charts. No 18-month enterprise rollouts. You see improvements in your workflow between your first loan and your last.
Outside counsel signed off on the data model, the 1003 flow, the sync boundary — before a real loan ran through. Your NMLS is never on the line because a vendor got cute.
If you're a loan officer who wants to close on this stack — and you want your next 12 months to look different than your last — send us the note. Name, state, last 12-mo volume, what you want out of a move. We reply within 3 business days or not at all.