The Ford Assembly Line for reverse mortgages.
One autonomous system runs the entire pipeline, lead to funded. Follow a single file down the line — every station below is a real ORA module doing the work that used to take a dozen tools and a dozen logins.
One file. Twelve stations. Lead to underwriting, on a single line.
Four stages, twelve real modules. Scroll down and watch a loan file move down the floor — each station picks it up where the last one left off.
Upload data — structured & rated for reverse
Drop in a list, a lead, a referral, or a document. ORA reads it into structured fields and scores reverse eligibility automatically.
viability
Work the Lead CRM
Scored leads land in a queue ranked by viability and SLA, with one-click call and graduate actions. No lead goes cold.
Outreach to referral partners — Asset Studio
Spin up co-branded, compliant marketing for the realtors and advisors who send you business — in minutes, on your brand.
Start a prospect — one workspace
Open a full-screen client file: every contact, property, income, and goal in one place, with milestone and pipeline visibility.
Upload documents — read into fields & stacked
IDs, statements, and letters are read into proposals your loan officer approves — never silent writes — and stacked into the file.
Scenario Coach
ORA drafts a side-by-side of the borrower's options for the loan officer to walk through — suitability stays with a licensed LO.
Calculate the scenario
A HUD-aligned calculator runs HECM and proprietary products with automatic age and state eligibility — quick estimate to full scenario.
Ask your reverse assistant
An ORA assistant that knows reverse — HECM rules, the borrower's file, next best step — drafts answers and emails for the LO to send.
Live Call Coach
Glanceable cues and a state-aware consent prompt turn calls into draft notes and tasks. Calls are never recorded.
Request & receive documents
The borrower gets a guided, magic-link portal to upload what's needed; ORA tracks what's in, what's missing, and what's next.
Send to processing
The complete file hands off to a processor workspace with a state machine and authority matrix — status is always one glance away.
Auto-stack, categorize, index → underwriting
ORA reads the whole package, classifies every document, locates every field on its source page, and builds a live condition list — so the underwriter reviews and signs, instead of hunting. The decision stays with your underwriter.
Ten tools, ten logins, ten invoices — replaced by one line.
No seat licenses. You pay as files reach origination.
One model, whatever your size: put ORA in front of every loan officer at no per-seat cost, and pay only on the files that proceed to origination — so cost tracks production, not headcount. An individual LO can start today; larger lenders get a rollout and terms built around their pipeline.
Start originating today
You're licensed — that's all you need. Run ORA alongside whatever system you use now and originate reverse from day one.
- $0 seat license — use ORA right now
- Pay only when a lead becomes an origination
- The full line — intake to underwriting
- Runs beside any LOS, no IT project
Roll out a team
Put the whole branch on one line. Every LO included at no per-seat cost, with shared pipeline visibility.
- Every LO included, no seat fees
- Branch pipeline & manager visibility
- Shared referral & asset library
- Onboarding for the team
Multi-branch
Standardize reverse across branches with role-based workspaces and the controls a growing lender needs.
- Org-wide rollout, still no seat fees
- Branch-manager & admin roles
- Tenant controls & SSO
- Volume-based terms by LO
Enterprise
A reverse line engineered for scale — bespoke security, compliance, and integration review, with terms to match.
- Enterprise security & compliance review
- Custom LOS & data integration
- Dedicated support & SLAs
- Agent VOS & underwriting roadmap access
Keep your LOS. Run ORA right alongside it.
ORA isn't your system of record — it works with the one you already run. What makes it LOS-agnostic is a novel browser plugin, ORA Bridge: instead of a months-long API integration, it moves data from any web-based LOS into ORA — snip a region or scan a screen and it lands in ORA, PII auto-redacted, while your LOS stays open side by side. No integration project. No IT ticket. Any LOS, day one.
Snip or scan
Drag a box over any field, or scan a whole screen. ORA Bridge reads what you see — on any web-based LOS, CRM, or lead source.
Redacted in your browser
SSN, date of birth, and account numbers are masked before anything leaves the page. Each capture keeps a screenshot and its source.
Side by side
ORA Bridge tiles your LOS and ORA together — work both at once, no tab-juggling, no re-keying, no integration project.
Built for the most scrutinized product in lending.
ORA is a software platform lenders use to originate reverse mortgages. ORA is a technology vendor, not a lender — the lender owns regulatory compliance; our job is to give your team the tooling and controls to support it, with security built into the foundation.
On our own program: ORA's internal governance, risk & compliance program is in progress, with SOC 2 on the roadmap. We're deliberate about the distinction: the SOC 2 Type II reports above cover our subprocessors' services, not ORA's — and inherited certifications are not a substitute for our own.
See the whole line run on a live file.
Watch ORA move a reverse-mortgage loan lead-to-funded, or talk with us about the thesis behind the holding company.