The Texas Independent Banker - May/June 2017 - 10

SERVICE S SPOTLIGHT

Digital Mortgages
Drive Growth for Your Bank
JOE KIM KING
BOARD CHAIR, IBAT SERVICES INC.

THINK ABOUT EVERYTHING you can purchase online
from your laptop, tablet or smartphone. From airline
tickets to groceries, today's consumers are shopping
online for everything-including now the ability to
look at homes through Zillow, Trulia and realtor websites. With this convergence of online experience and
the marketplace, borrowers are expecting to engage
with financial institutions when and where they want
... not only limited to branch hours. What is your bank
doing to capture this dynamic market?

With this
convergence
of online
experience and
the marketplace,
borrowers
are expecting
to engage
with financial
institutions when
and where they
want...not only
limited to branch
hours. What is
your bank doing
to capture this
dynamic market?

IBAT Members Trust Mortgagebot® from D+H
To help lenders meet rising consumer demand for
the convenience of an online option, IBAT endorses
D+H's Mortgagebot® solution, the industry's only
true end-to-end, Software-as-a-Service (SaaS) lending platform.
Over 1,400 lenders nationwide-including many
IBAT members-use MortgagebotPOS™ to provide
self-serve applications online while still maximizing
every branch opportunity.
Using innovative cloud-computing technology
enables lenders to stay open around the clock, allowing borrowers to complete applications anytime
and anywhere it's convenient for them. Borrowers
find the intuitive Mortgagebot application process,
which takes as little as 20 minutes, an easy, satisfying experience.
Further considering the on-the-move consumer,
D+H recently launched MortgagebotMobile, the first
completely mobile loan application solution that
allows financial institutions to take accurate, qualified applications through the mobile channel. As a
cloud-based platform, it gives borrowers the flexibility
to complete an application in one channel or move
seamlessly between channels.

Automated features on the platform eliminate cumbersome, manual processes and help streamline all
processing requirements, increase loan production,
reduce operating costs and enhance service.
Mortgagebot's processing through post-closing
capabilities provide lenders administrative interface,
real-time data management and more efficient, paperless document imaging.

Helping Community Lenders Compete
For community lenders, Mortgagebot is the affordable, scalable tool needed to level the playing field
against large lenders. It also gives bankers a strong
competitive edge over institutions that do not have
web applications-better positioning them for future
business growth in their markets.

Advanced & Automated Compliance Support
D+H's Mortgagebot alleviates compliance burdens
with solutions that provide accurate rates and fees,
instant disclosures at the point of sale, back-end processing (UCDP, UAD, ULDD, Equifax UDM, Fannie Mae Early
Check), disclosure alerts to help meet RESPA, TILA, MDIA,
HMDA, and Regulation B, and automated updates-available only with 100 percent web-based, cloud technology.

Driving Growth Through the Cloud
Online applications are becoming table stakes in the
new digital world for financial institutions. Mortgagebot
clients are originating more than half their volume
through our digital mortgage solution-and these numbers are rising as volume, rates and consumer expectations continue to drive demand for online technology.
Industry and regulatory fluctuations make online
application and processing capability a necessity for
long-term lending success. Built-in optimization of SaaSbased solutions like Mortgagebot has changed the face of
mortgage lending because of its ability to quickly adjust
to external factors and provide mortgage lenders (by far
the lowest cost channel for loan-volume growth) with
an agile platform that delivers cost-efficient scalability.
To learn how D+H can help you, contact Sonia Sonner
at 480-540-0243 or Sonia.Sonner@dh.com.
■
Joe Kim King, board chair of IBAT Services Inc., is chairman of the board of Brady National Bank.

10

The Texas IndependenT Banker

May/June 2017



Table of Contents for the Digital Edition of The Texas Independent Banker - May/June 2017

Up Front CHRISTOPHER L. WILLISTON, CAE
General Counsel’s Corner KAREN M. NEELEY
Services Spotlight JOE KIM KING
The Compliance Guy KELLY GOULART, CRCM CAMS CIA
News
Leadership Conference Preview
Gap Management: An Idea Whose Time Has Gone LESTER MURRAY
IBAT 2017 Regional Meeting Tour CHRISTOPHER L. WILLISTON VI, CAE
In an Uncertain World, Look for the Silver Lining MARK ROE
Farewell from Mae Beth
People
Calendars
New Members
Index of Advertisers
Communities
The Texas Independent Banker - May/June 2017 - cover1
The Texas Independent Banker - May/June 2017 - cover2
The Texas Independent Banker - May/June 2017 - 3
The Texas Independent Banker - May/June 2017 - 4
The Texas Independent Banker - May/June 2017 - 5
The Texas Independent Banker - May/June 2017 - Up Front CHRISTOPHER L. WILLISTON, CAE
The Texas Independent Banker - May/June 2017 - 7
The Texas Independent Banker - May/June 2017 - General Counsel’s Corner KAREN M. NEELEY
The Texas Independent Banker - May/June 2017 - 9
The Texas Independent Banker - May/June 2017 - Services Spotlight JOE KIM KING
The Texas Independent Banker - May/June 2017 - 11
The Texas Independent Banker - May/June 2017 - 12
The Texas Independent Banker - May/June 2017 - The Compliance Guy KELLY GOULART, CRCM CAMS CIA
The Texas Independent Banker - May/June 2017 - 14
The Texas Independent Banker - May/June 2017 - News
The Texas Independent Banker - May/June 2017 - Leadership Conference Preview
The Texas Independent Banker - May/June 2017 - 17
The Texas Independent Banker - May/June 2017 - 18
The Texas Independent Banker - May/June 2017 - Gap Management: An Idea Whose Time Has Gone LESTER MURRAY
The Texas Independent Banker - May/June 2017 - 20
The Texas Independent Banker - May/June 2017 - 21
The Texas Independent Banker - May/June 2017 - IBAT 2017 Regional Meeting Tour CHRISTOPHER L. WILLISTON VI, CAE
The Texas Independent Banker - May/June 2017 - 23
The Texas Independent Banker - May/June 2017 - 24
The Texas Independent Banker - May/June 2017 - 25
The Texas Independent Banker - May/June 2017 - In an Uncertain World, Look for the Silver Lining MARK ROE
The Texas Independent Banker - May/June 2017 - 27
The Texas Independent Banker - May/June 2017 - 28
The Texas Independent Banker - May/June 2017 - Farewell from Mae Beth
The Texas Independent Banker - May/June 2017 - People
The Texas Independent Banker - May/June 2017 - 31
The Texas Independent Banker - May/June 2017 - Calendars
The Texas Independent Banker - May/June 2017 - Index of Advertisers
The Texas Independent Banker - May/June 2017 - Communities
The Texas Independent Banker - May/June 2017 - cover3
The Texas Independent Banker - May/June 2017 - cover4
The Texas Independent Banker - May/June 2017 - 37
The Texas Independent Banker - May/June 2017 - 38
The Texas Independent Banker - May/June 2017 - 39
The Texas Independent Banker - May/June 2017 - 40
The Texas Independent Banker - May/June 2017 - 41
The Texas Independent Banker - May/June 2017 - 42
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