The document describes LoanDynamix, a loan servicing system from ISGN. It discusses how LoanDynamix can help loan servicers by providing a scalable, cost-effective system to manage the entire loan servicing lifecycle. Key features highlighted include powerful dashboards, intuitive interfaces, automated workflows, robust reporting and analytics capabilities, and modules to support various servicing functions such as cash management, customer service, escrow management, and investor accounting. Optional modules allow the system to be configured based on individual business needs.

1. Transforming the
borrower experience™
The future
is here
LoanDynamix™
Loan servicing system

2. Mortgage servicing comes with a myriad of challenges. The majority of
mortgage-related complaints received by the CFPB stem from servicing
and default - more than a third due to routine servicing functions like
management of payments, escrow and transfers. Due in large part to
regulations, now servicers handle about half the average loans per FTE as
compared to a mere ten years ago. With the addition of a hypercompetitive
environment to these conditions, clearly we need to change how servicing
is managed. One way to affect change is through core servicing systems that
offer the opportunity for servicers to differentiate themselves in terms of
lower operating costs and a higher level of efficiency and automation.
Built on over three decades of technology expertise, ISGN delivers its next
generation loan servicing system, LoanDynamix™, to meet the new
demands of servicing. Fusing proven servicing utility with
state-of-the-art technology, the result is a thoroughbred
system designed to supercharge your servicing
operation. Our new LoanDynamix brings you a
better way to manage data, be more efficient
and create loan-level insight.
The Future of Servicing Technology is Here
oanDynamix™
Powerful
dashboards
Workhorse
system,
scalable to
6M loans
Faster
and easier to
implement
Lower cost,
higher
productivity

3. Power You Can Trust
LoanDynamix is a viable solution for both organizations
entering the servicing market looking for a quick start-
up with a low-cost technology alternative or established
servicers struggling to keep up with soaring loan servicing
costs and a demanding, mercurial regulatory environment.
Supporting the entire servicing lifecycle, LoanDynamix
can scale from a few thousand to over six million loans –
while improving operational performance, supercharging
productivity and abbreviating turnaround times. By
improving and automating loan boarding, transaction
processing and banking, investor accounting, collections
and payoffs, LoanDynamix can help servicers increase staff
productivity and manage higher loan volumes with existing
staff to increase business profitability.
Single View of the Borrower
To streamline the flow of loan data, minimize re-entry
and manage loans end-to-end, LoanDynamix offers
the ability to integrate seamlessly with third-party
systems including ISGN’s Tempo™ default system and
TCL construction system. Plus, in addition to traditional
mortgage loans, LoanDynamix also supports consumer
loan servicing for HELOCS, revolving lines of credit and
timeshares for even more flexibility. Optional support is
available for manufactured housing lending.
Insight into the Whole Picture
LoanDynamix provides a window into your business. An
intuitive dashboard, as well as point and click reporting,
gives servicers transparency into portfolio and loan-level
analytics, aids in the assessment of early delinquency and
compliance with federal and investor regulations. This easy
to use dashboard features tiles for drill down to further
evaluate the state, investor, loan type, or originator/servicer,
based on business requirements. The power of insight to
view data in one place and use it to make faster, better-
informed decisions makes LoanDynamix the competitive
edge for risk management.
Hit the Ground Running
LoanDynamix is an out-of-the-box solution that offers
a smooth migration from an existing system. It’s easily
accessible from any browser, anytime and anywhere
so servicers can work where and how they’re most
comfortable. And best of all, it’s easy to learn and use
so you can get new staff up to speed quickly. Navigation
is intuitive, help functions are easy to access and the GUI
interface with calendar widgets and drop down boxes
reduce manual data entry errors.
Incredible Value
Delivered through a secure SaaS model, LoanDynamix brings
a lower infrastructure cost than in-house hosting. That
means that ISGN handles all IT tasks and you only pay for
what you use with the costs spread over time. Plus, you get
the benefit of automatic updates so you’re always on the
latest version. But you’re not locked into the full update.
If you prefer individual configuration in your partition,
LoanDynamix allows for that flexibility. And as always, there
is an intense focus on data security. ISGN operates with a
robust disaster recovery plan and redundant data backups
so you can be assured that your data is safe.
Focus on Compliance
Dedicated to compliance, LoanDynamix offers user-
definable business logic to adhere to investor and
government regulations, including disclosures and notices.
It also automates HUD/FHA reporting requirements,
manages borrower communication and tracks multiple
escrow lines. And for peace of mind that the right data is
in the right hands, LoanDynamix offers user-defined and
role-based security controls.
[ 3 ]

4. LoanDynamix™ modules are a toolbox of powerful functionality, equipping your servicing
team with the tools they need to work faster and smarter. Plus, layered on top of
this utility is insight into your business - data and metrics that can cut
through the confusion.
Modules
[ 4 ]
• Build your dashboard: Assemble, organize, and visualize your KPIs any way you’d like
• See the big picture: See your data and use it to make faster, better-informed decisions
• Automate your reporting: Automatically update key metrics to gain insights in real-time
• Customer data at staff fingertips can help improve customer service
• Manage numerous bank accounts including payment clearing,
escrow disbursement, investor remittance and corporate accounts
• User-definable business rules for application of borrower payments
based upon Days Delinquent, Investor, State, Lien Position, Closing
Date, Loan Type and more
• Full support for borrower ACH payments
• General ledger interface with user-defined mapping of LoanDynamix
transactions to G/L accounts
• Generate payment coupon books or monthly billing statements
• Pre- and post-petition balance tracking and payment posting
in LoanDynamix
Dashboard
Cash
Management /
Accounting

5. [ 5 ]
• LoanDynamix Customer Tracking System (CTS)
provides your customer service, escrow and
collections personnel with the ability to track loan
activity online and through a variety of reports
• Business rules associated with contact codes to
automatically generate letters and calculate target
dates for follow up
• Customer-definable contact queues allow for
allocating loans to collectors based on delinquency
level and frequency
• Single Point of Contact (SPOC) tracking in both
LoanDynamix and Tempo
• Consolidates, analyzes and disburses tax and insurance
items, providing immediate notification if the escrow
account is not sufficient to pay the bill
• Full support for installment-style escrow disbursements
• Aggregate Escrow Analysis at initial loan boarding,
at loan pay off or servicing release, annually on an
automated basis and on demand, as desired
• Interest on escrow calculation and posting by state on a
user-controlled frequency
• Automatically exchange data with insurance companies
and tax providers
• Streamlines the record-keeping and reporting requirements for private and GSE
investors, including setting up and maintaining investors, pools, participants,
REMICS and security holders
• Automated remittance of collected funds via ACH on a user-controlled frequency
• HAMP and HARP reporting
• Tracks portfolios and keeps systems up‐to‐date and accurate through a variety of
reports and system maintenance functions, including year‐end processing, database
management, ad‐hoc reporting and more
Customer
Service
Escrow /
Optional
Insurance
Management
Investor
Accounting /
Reporting
Reports
and System
Management

6. LoanDynamix™ also offers optional modules so you can configure the system to your
business requirements. Choose what you need to support your priorities
and know that the rest are there when you need them.
Optional Modules
[ 6 ]
• Multiple balance types per loan (e.g. check, debit card, cash advance)
• Multiple loan types including HELOC, LOC, signature loans, loans secured by intangibles
• Multiple payment calculation versions at the balance type level with user-defined parameters
• Separate draw and repayment period tracking
• Draw period extension process
• Borrower checkbook ordering capability supports both Deluxe™ and Harland™ formats
• Incentive points capability for “rewards” related to accounts
• Variable interest rates at the balance type level with teaser periods
• Monthly billing statements
• Borrower dispute processing
• Separate bank accounts for draw processing
• Draw Lockbox functionality available
• Convenient 24/7 account access to account information:
Account Summary, Transaction History, Escrow Analysis
Statement, Tax Information, Year-End Statement, Payoff
Statement, Insurance Information, Monthly Statement and
Recent Correspondence
• Ability to link to 3rd party payment providers such as
Western Union™
• Client-defined frequently asked questions section
Consumer
Credit
Servicing
Online
Customer
Service Portal

7. [ 7 ]
• Generates needed transactions within the loanDynamix application to post the modification
• Supports client-defined business intelligence rules, with various loan modification plans using
corporate and regulatory requirements based on modification type
• Can potentially reduce delinquency ratios and may generate fee income by providing customers
with the tools they need to pay their obligations
• Provides enhanced mapping facilities for moving loans from LOS to LoanDynamix
• Data field conversion features
• Multiple if/then decision constructs to handle value conversions
• Date reformatting
• Outputs to multiple LoanDynamix tables from only one pass of the LOS input data
• Uses standard payment file format
• Stop file transmission to available
• Uses client-defined payment posting business rules hierarchy
• Provides functionality for manufactured housing dealer tracking
• Eliminate the need for mortgage assignments and thereby improve the process by
reducing the cost of transferring and tracking the ownership of mortgage rights
• Increase the efficiency of the lien release process
Loan
Modification
Enhanced
Information
Transfer
System
Bridge
Western
Union
Originator
Master
Mortgage
Electronic
Registry
Service (MERS)

8. What we offer
Doc. # DYN001br. ©2015 ISGN. All rights reserved. ISGN and all other marks identified herein are trademarks or service
marks of ISGN Corporation and may be registered with the United States Patent and Trademark Office and in other
countries. Other product and company names herein may be trademarks of their respective owners.
Origination Servicing/Default Vendor Services Compliance Consulting
Technology
• LoanDynamix™
Loan servicing
software
• Tempo™
Default managing
software
• The Construction
Lender™
Construction loan
servicing software
• Gators®
Settlement services &
vendor management
software
• CFPB Compliance
RiskCheck™
Online compliance
self-assessment tool
Services
• Fulfillment
Services
• Correspondent
Fulfillment
Services
• Wholesale
Fulfillment
Services
• Quality Control
• Routine Servicing
• Default Servicing
• Quality Control
• Valuation Services
• Title & Closing
Services
• CFPB Mock Audit™ • Procedure Review
• Quality Review
• Training
• Process
Improvement
Contact Us
www.isgn.com
sales@isgn.com
800.462.5545