Loan origination system · Brokers & small lenders
Every loan,
cleared for
takeoff.
JetLOS is a complete LOS — 1003, pricing, disclosures, conditions, AUS, e-sign and reporting — built for shops that need what the big platforms do, without paying what the big platforms charge.
No setup fee. No per-seat licenses. Month to month.
| Loan | Borrower | Stage | Close |
|---|
The whole loan file
Nothing missing.
Nothing extra to buy.
Enterprise systems sell the LOS, then sell you the modules. JetLOS ships the entire file — application to funding — in one plan.
Application
Borrower portal & 1003
A guided URLA borrowers finish on their phone. Uploads, consents, and asset verification land straight in the file.
- Fannie Mae 1003 / MISMO 3.4 export
- Co-borrower & non-occupant flows
- Spanish-language application
Pricing & lock
Product, pricing & rate locks
Connect your PPE and lender rate sheets. Lock, extend, and float-down from the file with an audit trail.
- Optimal Blue, Polly, Lender Price
- Lock desk queue & expirations
- Wholesale lender fee sheets
Disclosures
LE, CD & compliance
Generate and e-deliver disclosures with TRID timing enforced, so the three-day clock is never something you count by hand.
- Loan Estimate & Closing Disclosure
- Tolerance & changed-circumstance tracking
- State & federal disclosure packages
Processing
Conditions & documents
Conditions live with the file. Request from the borrower, collect, review, and clear — with everyone seeing the same list.
- Prior-to-doc / prior-to-fund tracking
- Document indexing & expiration alerts
- Vendor orders: title, appraisal, VOE
Underwriting
Credit & AUS
Pull tri-merge credit and run DU and LPA without leaving the file. Findings post directly to conditions.
- Desktop Underwriter & Loan Product Advisor
- FHA, VA, USDA case management
- Income & DTI calculators
Closing & beyond
Closing, funding & reporting
Closing packages, e-sign, funding checklists, and post-close delivery. Then the reports your investors and regulators ask for.
- eSign & hybrid e-close
- HMDA LAR & NMLS call report
- Pipeline, pull-through & LO scorecards
Who it's built for
Two kinds of shop.
One system.
Brokers and small lenders run different businesses. JetLOS is configured for each on day one, not bolted on later.
Mortgage brokers
Run every wholesale lender from one file
Compare lenders, submit through their portals, and keep the borrower experience yours — not the lender's.
Small & mid-size lenders
Underwrite, close and fund in-house
Full underwriting, closing, and secondary tools for banks, credit unions, and independent mortgage banks doing 20 to 500 loans a month.
Compared honestly
Same capabilities.
Different bill.
Where legacy platforms differ from JetLOS, it's mostly in what they charge for and how long they lock you in.
| JetLOS | Legacy enterprise LOS | |
|---|---|---|
| Contract | Month to month | 1–3 year commitment |
| Implementation fee | None | $10,000–$50,000 |
| Pricing model | Flat monthly + per funded loan | Per seat, plus per-module add-ons |
| Disclosures, AUS, e-sign, reporting | Included | Separate modules or vendors |
| Data ownership | Full export, any time, MISMO 3.4 | Export fees and delays |
| API access | Included on every plan | Enterprise tier only |
| Support | Phone, chat & email; people who've worked loans | Ticket queue |
Comparison reflects publicly listed terms for common enterprise LOS platforms as of 2026. Your quote may differ.
Pricing
Pay for loans
you fund.
One flat platform fee for your whole company, plus a per-funded-loan charge. Add loan officers without adding licenses.
Broker
Wholesale-only shops
$299/ month
+ $35 per funded loan · unlimited users
- Borrower portal & 1003
- Pricing engine & lock desk
- Lender submission & conditions
- Disclosures, e-sign & document storage
- Pipeline reporting & LO comp
Lender
Underwrite & fund in-house
$899/ month
+ $45 per funded loan · unlimited users
- Everything in Broker
- Underwriting workbench, DU & LPA
- Closing docs, funding & warehouse
- Investor delivery & secondary
- HMDA, NMLS & audit reporting
Enterprise
Multi-branch & TPO
Let's talk
Volume pricing over 200 loans / month
- Everything in Lender
- Branch & TPO partner management
- Custom workflows & SSO
- Dedicated environment & SLA
- Named implementation lead
Book a demo
See your own pipeline on the board.
Bring a real file. In 30 minutes we'll take it from application to clear-to-close in JetLOS and show you the invoice at the end.