Big bank capabilities,
right sized for community banking

Keep it simple!

Hawthorn River Lending is an end-to-end loan origination solution designed around the unique needs of community banking. Before engineering new features, we collaborate with our clients to understand their goals and objectives. We then examine various design options to ultimately create high impact solutions that bankers enjoy using.

From car loans to commercial credits

We help community bankers eliminate disjointed technologies and error-prone spreadsheets with a single-point solution that has the ability to process a wide range of loan types while automating many steps along the way.

  • Consumer Unsecured

  • Consumer Non-RE (Vehicle, Boat, Etc.)

  • Consumer RE (Portfolio Mortgage, HELOC, Etc.)

  • Commercial Unsecured

  • Commercial Non-RE (C&I, Equipment, Etc.)

  • Commercial RE (Warehouse, Office Space, Etc.)

  • Agriculture (Land, Livestock, Etc.)

Covering virtually every collateral type under the sun

  • Accounts

  • Aircraft

  • Assets

  • As-Extracted

  • Chattel Paper

  • Commercial Real Estate

  • Construction Real Estate

  • Consumer Real Estate

  • Deposit Accounts

  • Documented Vessels

  • Equipment

  • Farm Equipment

  • Fixtures

  • General Intangibles

  • Household Goods

  • Instruments

  • Inventory

  • Investments/Stocks

  • Lease and Rents

  • Life Insurance

  • Manufactured Housing

  • Motor Vehicles

  • Recreational Vehicle

  • Non-Titled Property

  • Partnership Interest

  • Standing Timber

  • Title Vehicles

  • Watercraft

High impact features, engineered for simplicity

Employee Productivity

Workflow Management

Consumer loans are processed differently than commercial loan. We help you improve each of your processes with end-to-end workflows that are designed based on each loan type. Furthermore, we keep everyone in the loop with automated emails and task generation.

Order Automation

Traditional lending processes require data to be rekeyed into multiple websites, spreadsheets, and emails in order to complete the lending process. We streamline this process by automating the ordering of credit reports, flood certificates, appraisals, and title work.

Core Integration

We extract borrower and loan information from your core banking system so that you can efficiently create loan applications for existing borrowers using accurate data. Furthermore, we support complex borrower structures and cross collateralization. In addition, we have deeper integration with our preferred core banking partners to automate booking.

Loan Documentation

Many banks still manually key data into their loan documentation systems. While these tried and true systems have performed well over the years, there is a better way forward. We offer the option of generating warranted loan documents without any data rekeying, all from within Hawthorn River. These documents are eSign compatible and barcoded for scanning.

Tax-Form Spreading

Rather than using spreadsheets to analyze borrower financial statements, we offer our clients the ability to enter financial data into the native tax form structure. This data is then automatically mapped to the income statement and balance sheet in order to create real-time operating ratios. Further value is added by capturing debt service details from credit reports and enabling global cash flow views.

Tickler Management

Tracking missing and expired documents has long been a major pain point for community bankers. We automatically setup ticklers and exceptions at the document level so there is no longer a need for separate spreadsheets. We also have the ability to generate tickler reports and the borrower, portfolio, and type level. With our customer portal, we can even automate the request of expiring documents.

Renewal & Modification

We help you streamline the processing of renewals and modifications by re-purposing data from the previous loan application. We also have special rules for monitoring compliance on renewals and modifications, so you only focus on what’s important.

Compliance Optimization

Intelligent File Cabinet

The types of customer-provided documents required to close a loan varies greatly based on loan type, collateral structure, and borrower structure. We help you take the guess work out of it by dynamically determining which documents are in-file and which documents are missing. Once captures, documents can be shared in real-time with the entire team.

Real-Time Alerting

Whether ensuring the LE is delivered on time or reviewing stacks of paper to determine HMDA eligibility, tracking regulatory requirements is real pain. We help you tame the chaos by monitoring for key regulations in real time, including TRID, ATR, HMDA, CRA, MLA, and QM.

Real-Time Monitoring

Paper-based process offer no visibility into the work in process, making it extremely difficult to monitor loan activity. Our compliance monitoring tools help you see every loan in process, down to the detail of missing loan estimates to pending to counter offers.

Data Validation

The idea of “bad data in = bad data out” is not a new concept to bankers. Data quality issues cripple processes and introduce serious risk to the bank. We help bankers get the right data at the right time by only asking for what is needed to complete the loan and offering the option to require certain data points as a loan moves through the process.

Management & Oversight

Past Dues & Maturities

The amount of time that bankers spend preparing for and managing the review of past due loans and maturities is staggering. We transform this process with the ability to capture status updates on past due and maturing loans so that they can be reviewed and processed more efficiently.

Loan Committee

The process of creating and distributing loan packets for committee is another time-consuming process for banks. We eliminate the manual effort with loan committee with online meeting management tools that even have the ability to automatically create the meeting minutes.

Reports & Dashboards

From estimating future funding amounts to balancing workloads across the bank, we offer a variety of built-in reports and dashboards. In addition, you have the ability to create reports and dashboards on any data that is entered into the system.

Role Based Permissions

Regulators expect bankers to only have the ability to perform tasks that are within their scope of responsibility. We offer our clients a simple method of limiting sensitive functionality, such as appraisal ordering, to only those who are authorized.