Loan Origination System (LOS/Web): Encompass
Encompass is Texana’s core Loan Origination System (LOS) and the central hub for processing every loan from application through closing. It streamlines workflows, improves compliance, and keeps your pipeline organized in one place. As a new employee, you’ll use Encompass to track borrower files, manage documentation, and collaborate with processors, underwriters, and closing teams. Mastering this system ensures efficiency and accuracy in every step of the lending process. We also offer Encompasss Web, freeing you from the confines of your office.
Product and Pricing Engine (PPE): Optimal Blue
Optimal Blue is Texana’s product, pricing, and eligibility (PPE) engine, and one of the most critical tools in our mortgage tech stack. It delivers real-time pricing data, investor product eligibility rules, and accurate rate scenarios, ensuring clients always get competitive options. Beyond pricing, Optimal Blue automates many secondary market processes—like loan trading and risk management—helping us move faster and with greater accuracy. For loan officers, this means you can quickly find the best solutions for your clients, improve lock desk efficiency, and spend more time building relationships instead of crunching numbers.
Relationship Intelligence Platform: RETR
RETR is our relationship intelligence platform designed to strengthen connections with real estate agents and expand your business. It provides unrivaled nationwide agent insights, including contact information, transaction history, loan details, and even open house data. You’ll see which agents you’ve worked with, how loyal they are to you, and where opportunities exist to reconnect. RETR also comes pre-loaded with automatic email nurturing for agents you’ve closed deals with in the past two years—keeping you top of mind without extra effort. Plus, you can generate Real Estate Track Record PDFs that give agents a clear view of their transaction patterns, helping you build trust and win more referrals.
Point of Sale (POS):Texana Bank Mortgage App
Our proprietary Point-of-Sale (POS) platform MAVERICK, powered by Texana Bank Mortgage, provides borrowers with a seamless digital mortgage experience while equipping loan officers with powerful tools to manage the process efficiently. Clients can apply for loans, upload documents securely, eSign disclosures, and track progress from any device, while loan officers’ benefit from real-time communication, mobile functionality, and deep integration with our LOS to streamline workflows. The system improves transparency, speeds up turnaround times, and delivers a modern, branded experience that keeps everything under Texana Bank Mortgage.
Sales Tools: MBS Highway
MBS Highway is a powerful market intelligence and sales tool designed to help mortgage and real estate professionals better advise their clients. It provides up-to-the-minute insights on mortgage-backed securities, housing trends, and rate movements, allowing you to explain the “why” behind the market in clear, client-friendly terms. With features like real-time rate alerts, housing cost analysis, rent-vs-own comparisons, and social media–ready content, MBS Highway equips you to become a true advisor rather than just a loan originator. For Texana Bank Mortgage employees, it’s an essential tool for building trust, simplifying complex topics for clients, and staying ahead in an ever-changing market.
Texana Chat Ai
Texana Chat Ai is our proprietary AI-powered tool designed to give you instant access to all regulations, underwriting guidelines, and policy references in one place. Instead of digging through multiple manuals or waiting for responses, you can simply ask Texana Chat Ai a question and receive quick, accurate guidance tailored to your need. This saves valuable time, reduces errors, and helps ensure compliance across every loan scenario. Whether you’re a new REMLO, a seasoned Loan Officer, or part of the operations team, Texana Chat AI is here to streamline your workflow and make navigating complex guidelines easier than ever.
