Keep simple loans simple.

Compete against today’s fastest ‘non-banks’ with Fast Track, a purpose-built home equity lending solution that delivers funds to borrowers in under a week.*

See How Your Process Compares
Explore a Guided Tour

A Broken Process Costs You Growth

Home equity lending is slowed by outdated, mortgage-style workflows that frustrate borrowers and burden lenders. Clunky applications drive high drop-off, slow decisioning stalls pull-through, and manual processes drag out cycle times.

The result: missed opportunities, inefficiency, and a competitive disadvantage.

Problem

Disconnected experiences lose borrowers.

Clunky applications and poor collaboration create borrower friction early in the process, leaving lenders with missed opportunities.

Illustration of borrower process getting disconnected and broken
Solution

Borrower Engage

Borrowers move quickly to a conditional offer in minutes, with a streamlined application and embedded collaboration that keep them engaged throughout the process.

Illustration of Coviance's Borrower Engage to simplify member approval and loan process

Online Application

Built for home equity with real-time decisioning and conditional loan offers at submission.

Conditional Offer

Borrowers accept initial offers
instantly, with disclosures delivered automatically.

Borrower Collaboration

A mobile-friendly portal for 
tasks, documents, and secure collaboration.

Illustration of online loan applications
Illustration of accepted offer and rate cards
Illustration of signed borrower documents
Problem

Slow, complex processes and technology stall your growth.

Mortgage-style processes and antiquated technology slow home equity lending, creating unnecessary complexity and delays.

Illustration of slow complex workflows for home equity lending
Solution

Lender Intelligence

Simplify and accelerate loan approvals with our decision guidance engine, making simple loans fast and compliant.

Illustration of Coviance's Lender Intelligence process simplifying loan decisioning

Clear-to-Close Checklist

One clear view to review and approve qualified loans with confidence.

Collateral Decision Engine

Automated underwriting that drives each loan down the fastest, compliant path based on borrower data.

LOS Connector

Seamless integration with leading LOS systems to sync data and documents for closing and compliance.

Illustration of of tasks, steps, and checklists
Illustration of process steps for the Collateral Decision Engine
Illustration of graphs and documents supporting LOS Connector
Problem

Manual handoffs drag out funding.

Even after a quick clear-to-close, a broken closing & funding process with manual steps and clunky technology grinds the loan to a halt.

Illustration of complex and slow loan funding
Solution

Quick Close

Streamline the final stages of the lending cycle and give lenders the platform they need to close & fund in under a week.*

Illustration of Coviance's Quick Close process simplifying loan funding

Closing Tools

Everything needed to finish 
strong—HMDA validation, signing 
services, and more.

Digital Payments

Send payments directly to outstanding credit liabilities for debt consolidation, giving borrowers relief and improving loan eligibility.

Fast Funding

Automates funding and disbursement directly into borrower accounts though a CORE Connector.

illustration of closing tools like documents and signing services
illustration of direct digital payments
illustration of funding and disbursement of loans

See Fast Track in Action

Take a guided tour of how Borrower Engage, Lender Intelligence, and Quick Close work together to streamline home equity lending from application to funding.

Borrower Engage

Seamless borrower experience

Lender Intelligence

Smarter loan decisioning

Quick Close

Faster funding

See Fast Track in Action

Take a guided tour of how Borrower Engage, Lender Intelligence, and Quick Close work together to streamline home equity lending from application to funding.

Borrower Engage

Seamless borrower experience

Lender Intelligence

Smarter loan decisioning

Quick Close

Faster funding

Faster Lending, Better Outcomes

Hear how Coviance helps lenders grow revenue, efficiency, and borrower satisfaction.

We’re offering the same HELOC product as we were three years ago, but because of the Coviance technology, we’re tripling volume, closing faster, and doing it with less staff involvement.
See the Case Study
Grant Abbott
VP of Lending & Admin
Having a fast and efficient lending process is helping us stand out from our competitors and is allowing us to build a reputation in our marketplace as our members’ go-to resource for a home equity loan.
See the Case Study
Todd Peeples
SVP of Sales and Lending
Many homeowners are staying put to keep their low interest first mortgages, driving an increase in home equity loans. Coviance has been instrumental in making our home equity process seamless and frictionless, enabling us to manage the increased workload with our existing staff.
See the Case Study
Sam Lewis
Mortgage Supervisor
Closing loans faster and with ease has created the borrower experience to be exceptional. We're gaining reputation and getting repeat borrowers because of the efficiency with our process utilizing Coviance. So it's made a tremendous difference in our ability to capture more volume in our local area.
See the Case Study
Scott Johnson
SVP, Director of Consumer Lending & Residential Mortgage

Return On Investment

Turn more applications into funded loans. Fast Track delivers faster closings and measurable growth without adding complexity or changing your policy.

20%
improvement in loan pull-through
10%
decrease in application drop-off
36%
increase in productivity
*Results based on the 2022 independent research study by MarketWise Advisors, LLC and Coviance data and analytics.  Coviance and MarketWise Advisors, LLC disclaim any liability and provide no warranty or representations as to performance or accuracy of the data. Clear-to-close in days, not weeks” assumes utilization of automated data and insight solutions (example: Automated Valuation Model (AVM)), including other instant providers already integrated into Coviance and timely borrower submission of underwriting stipulations set-forward by the lender. Timeline excludes traditional valuation, title or any solutions which require manual intervention.

Fuel Your Growth with a Health Check

Are inefficiencies holding back your lending? Our Home Equity Health Check evaluates your program with data driven insights, benchmarks, and practical steps to accelerate growth.

Request your Home Equity Health Check

*"Funds to borrowers in under a week” and "Clear-to-Close in 48 hours" assumes the utilization of Fast Track automation, the loan progresses through all of the automation, and prompt cooperation by Applicant(s). Timeline excludes delays caused by Applicant(s), traditional valuations, or any solutions which require manual intervention.