Blue Sage is a leading provider of cutting-edge, fully cloud-based digital lending platforms for the mortgage industry, offering end-to-end functionality from origination to servicing. With a focus on innovation and client value, our API-driven workflow automation ensures maximum efficiency across all channels, delivering a superior experience for every borrower. Mortgage technology is all we know. With the entire team having an average of over 20 years of experience in mortgage banking or mortgage technology, we have the knowledge to continue to add other functionality to increase the value of our products and services.

Not only do we have the most modern and proven combined POS and LOS on the market, we also continue to innovate and add additional value-added solutions that customers can take advantage of. These include ancillary capabilities such as the addition of Document Manager, the Settlement Agent Portal, Income Analyzer, Account Opening (our first foray into a non-mortgage application), and the recent launch of our Interim Servicing Platform. With this launch, BSS is the only provider in the marketplace that has written a complete end-to-end system (POS to servicing) from the ground up in the last 10 years.

Blue Sage provides lending solutions to a variety of clients who offer mortgages and home equity products via retail, wholesale, and correspondent channels. These include:

• Banks
• Credit unions
• Independent mortgage banks
• Specialty finance companies
• Credit Union Service Organizations

Blue Sage focuses on establishing strategic partnerships with key customers who are market leaders. Blue Sage has found the greatest success with lenders that have a “growth mindset.” These lenders are eager to adopt modern technologies, focus on improvement, and challenge the status quo.

The Blue Sage Digital Lending Platform (DLP) is a 100% web-based solution designed to streamline the mortgage origination process. It uses a modern technology stack and an API-centric model for integration. The platform is hosted on Amazon Web Services (AWS), ensuring high availability and scalability. Blue Sage’s goal for the DLP is to provide an integrated lending platform that enhances processing efficiencies, improves compliance, and optimizes the customer experience.

The DLP includes a Point of Sale (POS) system called LION, which is integrated with the Loan Origination System (LOS) and is fully responsive on mobile devices. LION offers features such as quick quote calculators and online applications. The platform also provides a Loan Officer Portal (LOP) and its mobile companion (LO Mobile). These tools enable loan officers to check loan status, upload documents, run credit reports, and manage leads.

Blue Sage’s platform offers advanced document management capabilities,     including automated document classification and data extraction capabilities. The Document Manager provides a centralized view of documents, supports various file types, and allows users to search and categorize documents. The platform also supports e-signatures and e-closings through integration with Docutech.

The Blue Sage platform supports wholesale lending through its Broker Portal and Broker Admin utilities. This portal is a client-facing, branded portal that enables approved brokers to log in, review their pipeline, register loans, price loans, lock loans, and satisfy conditions. Brokers can also easily monitor pipeline and pricing administrative activities for their employees.

In addition to its core features, Blue Sage offers point solutions such as Blue Sage Docs, Income Analyzer, and a Settlement Agent Portal. Blue Sage also provides an interim Digital Servicing Platform (DSP) that can work with any LOS. The DSP supports payments, a customer-facing portal, and integrations with third-party vendors.

Yes, The Blue Sage platform supports all lending channels, including retail, wholesale, correspondent, and home equity lending channels.

Blue Sage is designed to integrate with a wide range of third-party service providers using an API-centric model. This allows for the automation of many processes without requiring users to leave the Blue Sage system. Our process is streamlined, for it is initiated directly from the digital lending platform. Over the last 10 years, we have hand-built over 85 integrations. Blue Sage has also partnered with both the MeridianLink Marketplace and RealEC Exchange to expand the list of services to over 65,000 providers. Customers are using a variety of core banking and servicing platforms, including Jack Henry Symitar, FiServ DNA, FiServ XP, MSP, and Sagent. In some cases, these integrations were done directly, while others leverage middleware solutions or providers such as ABT.

We have the capability to be configurable, and also have an out-of-the-box solution that can be quickly implemented for those clients that have more of a standard loan origination workflow. The Blue Sage Digital Lending Platform (DLP) offers a comprehensive, ready-to-use solution with features such as document management, task management, and reporting capabilities. It includes integrations with services like Docutech and ComplianceEase, and provides a base reference platform with over 400 standard condition templates.

The Blue Sage Digital Lending Platform (DLP) allows lenders to tailor the system to their specific needs. The platform’s workflow is configurable, with options for roles, teams, users, statuses, tasks, alerts, notifications, loan exceptions, loan actions, assignment types, and skillsets. Blue Sage also provides a screen builder tool called Delphi that allows both Blue Sage business analysts and customers to create their own screens for both the Loan Officer (LO) Portal and the Loan Origination System (LOS). The DLP uses a robust rules engine called DROOLS, which is an inference engine that uses both forward and backward chaining. Blue Sage provides a wealth of reference tables and a tool called Delphi, which allows for changes to be made by either Blue Sage or lender administrators.

The Blue Sage platform is designed to support a variety of loan products, including Conventional, FHA, VA, USDA loans. It also supports mortgages and Home Equity Lines of Credit (HELOC). The platform also supports home equity loans (closed-end seconds). Some customers only offer these products and no first mortgages.

The Blue Sage system supports various loan types and specialty programs, including fixed-rate, adjustable-rate, interest-only, jumbo, and balloon loans. The system also has the ability to originate and service construction loans and handle single-close construction products that convert at initial maturity. Blue Sage supports custom, manually priced products as well as portfolio products via integration with Optimal Blue. Blue Sage’s base configuration includes a range of affordable products/programs, including both agency, government, and portfolio programs. All standard VA, FHA, and USDA programs are supported, as well as state bond programs and down payment assistance programs.

In addition to our core offerings, we are constantly innovating and working with technology partners and working with customers to address evolving needs and challenges

Blue Sage provides solutions beyond loan origination, including interim servicing.

• Digital Servicing Platform (DSP) for Interim Servicing: Blue Sage has created a robust interim servicing platform called DSP, which can work with any LOS, including the Blue Sage Digital Lending Platform. The platform can support an unlimited number of payments, and a customer-facing portal that can be branded and collect payments. The platform supports individual loan payments, batch processing, and a number of third-party vendor service integrations (credit, MI, FHA, VA, USDA). It also supports year-end reporting to the IRS, short-year escrow analysis statements, standard reports, documents, and servicing transfer functionality. Blue Sage is planning on supporting full servicing by the end of 2025.
• Settlement Agent Portal: Blue Sage has created a Settlement Agent Portal to foster collaboration and information sharing between lenders and settlement agents to minimize touches, improve cycle times and exceed borrower expectations of the closing experience. From within the Blue Sage LOS, lenders can invite and interact with agents on all closing related items.
• Lead Management/Mini-CRM: Blue Sage provides a mini-CRM, as part of the Loan Officer Portal (LOP), where all members/contacts can be captured along with associated details about each lead/contact, including name, phone number, email, best time to call, DOB, communication preference, history of transactions, relationships, quotes/scenarios, and a history of what’s been changed.

The cost of Blue Sage LOS can vary based on several factors, the features required, and any customizations. Pricing details are typically provided on a case-by-case basis. For more information on pricing, please fill out the contact form on our website.

Yes, Blue Sage offers different implementation plans to accommodate the specific s needs of each lender. The plans depend on the channels, applications, scope of usage, and the specific functionalities required. For more information on pricing, please reach out to .

For more information on demos, please reach out to .

We take a multi-layered approach to security, from network to API level, with ongoing vulnerability and penetration testing. Our platform is hosted on AWS in dedicated virtual private clouds for each customer, with strict access controls like VPNs, AWS Direct Connect, and IP whitelisting. We undergo annual SOC audits and hold SOC 1 & SOC 2 (Type I & II) certifications. Nightly database backups are retained for 30 days, and we have robust disaster recovery measures, including ransomware protection.

Yes, the Blue Sage Solutions platform is designed to adhere to industry laws and regulations. Blue Sage ensures adherence to both state and federal regulations through a combination of platform features, integrations, and proactive monitoring. The platform is designed to support a number of laws and regulations, such as TRID, HMDA, MDIA, HOEPA, RESPA, Reg B, etc. A key component of Blue Sage’s compliance strategy is its seamless integration with ComplianceEase, which checks over 100 state, federal, and agency regulations. ComplianceEase updates its product monthly to incorporate any upcoming changes to regulatory guidelines. Blue Sage also provides standard product eligibility guidelines for FNMA and FHLMC.

Blue Sage monitors changes to laws and regulations through its membership in industry organizations (e.g., MBA, MERS) and through bulletins and notifications from FNMA, FHLMC, VA, USDA, and FHA/HUD. The process to address all regulatory changes involves identifying the change, the timing for required delivery and UAT, and then scheduling them into an upcoming release. However, when exceptions are required (e.g., VA LTV changes), Blue Sage collaborates with clients to deliver in advance of the required implementation date. Updates are ongoing, and Blue Sage subscribes to several industry sources and relies on outside counsel for further clarification.

Absolutely. Our Digital Lending Platform (DLP) is built for scalability and security, leveraging AWS multi-zone deployments, load balancing, and high-performance databases with automatic failover. It’s designed for sub-second response times, even under heavy loads. We ensure data protection with nightly backups, secure storage for disaster recovery, and strict retention policies. Plus, we comply with key regulations like TRID, HMDA, GLBA, and GDPR for top-tier security and privacy.

Absolutely! We maintain a comprehensive security program with multiple layers of protection:

• Annual SOC Compliance:

  • We undergo rigorous Type 1 & 2 SOC audits yearly
• Ongoing Software Security:

  • Weekly DAST vulnerability testing via BurpSuite Enterprise
  • Regular SAST code quality checks using SonarQube & within developer IDE
  • Immediate ticketing and resolution of all discovered issues
• Independent Verification:

  • Annual web application penetration testing against OWASP Top 10 vulnerabilities by independent third-party
  • Network penetration testing & CIS benchmark results
• Proactive Protection:

  • Yearly risk assessments identify and address potential vulnerabilities
  • Annual disaster recovery and business continuity testing
  • Comprehensive monitoring through Amazon Security Hub with automated compliance checks

This multi-faceted approach ensures our platform maintains the highest security standards while promptly addressing any emerging threats.

The implementation of Blue Sage LOS generally depends on the complexity of the system and the specific requirements of the organization. The length of time largely depends on various factors like customization and integration needs.  A typical implementation timeframe is between 4-6 months using the base reference configuration.

Blue Sage offers a variety of support options to customers, which may include technical assistance, troubleshooting, account management, and project management. The level and type of support can differ based on the customer’s needs and service plan. We provide customer support through a dedicated engagement manager assigned to each customer for the duration of their relationship, along with a standard support help desk that can be reached via phone, email, and a ticketing system.

Yes, Blue Sage provides training for new users to help them become familiar with the system. We also provide video-guided training for all our applications and can provide onsite training as well, depending on the customer’s needs.

Blue Sage’s Digital Lending Platform (DLP) manages the loan processing workflow from application to close through a comprehensive and automated system. The platform aims to streamline operations, reduce errors, and enhance efficiency through various integrated features. Blue Sage manages the loan processing workflow through application and initial assessment, automated processing and underwriting, document management and collaboration, workflow automation and task management, closing and funding, post-closing and quality control. By automating many of the manual processes and integrating various third-party services, Blue Sage’s DLP aims to accelerate loan processing, reduce errors, and improve the overall experience for both lenders and borrowers.

Blue Sage supports a number of borrower types, including co-borrowers, guarantors, co-signers, non-borrowing spouses. Other entities such as LLCs, trusts, and power of attorney loans are supported.

Blue Sage provides several features to track a loan’s progress from start to finish. Dashboards are available to borrowers and to loan officers where they can view relevant statuses as the loan progresses. The system can automatically notify users via email or text each time a loan changes status.