Patriot Mortgage Implements Black Knight Loan Origination System


Patriot Mortgage, a Texas-based lender specializing in new construction and resale, has signed a contract to implement Black Knight Inc.‘s Empower LOS and integrated origination solutions to support its growing business operations, enhance the borrower experience and improve its digital presence in the mortgage space. 

“We want to make the origination process as simple and seamless as possible for our borrowers,” says Elizabeth Hansen, COO of Patriot Mortgage. “Making Black Knight’s loan application technology available during open houses will help us reach more consumers and make the process easier for them. For our business, the operational efficiencies and support for compliance gained from Black Knight’s solutions will benefit both our staff and our borrowers as we continue to grow.”

Empower will support the origination of first mortgages and home equity lines and loans on a single platform for Patriot Mortgage’s retail business. Further, the easy-to-use and highly configurable platform helps streamline the origination process from loan application through closing. Empower features configurable ”lights-out” automation that will save Patriot Mortgage time and costs per loan, while helping its staff process more loans faster.  

Patriot Mortgage will also use the following solutions, which are seamlessly integrated with Empower, including machine-learning technology for document classification and indexing; fee service for recording fees, transfer taxes, title, inspections and property tax; point-of-sale with digital borrower and loan officer capabilities; automated compliance validation testing; an end-to-end digital close solution with eDelivery, eSign and eNotary capabilities; an advanced business intelligence solution; and web APIs. Additionally, the integration of Black Knight’s product, pricing and eligibility engine (PPE) gives Patriot Mortgage the ability to quote the best products available to a borrower in near real-time to deliver more accurate loans and improve the borrower experience. 

“With advanced automation and task-based processing, Patriot Mortgage will be able to do more with its current staff,” states Rich Gagliano, president of Black Knight Origination Technologies. “By leveraging Black Knight’s digital technology ecosystem, Patriot Mortgage can meet borrowers on their terms – shaving off time and costs while improving the overall borrower experience.”

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