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Modern mortgage servicing on an enterprise platform

Cloud for Mortgage is a real-time servicing platform designed to support the full mortgage servicing lifecycle in one integrated system—from loan boarding through REO. Powered by SAP technology, it embeds real-time processing directly into the core, eliminating the need for additional modules and manual handoffs.

With Cloud for Mortgage, a servicer can eliminate these ancillary non-core systems:

  • Document Management
  • Customer Service
  • Loss Mitigation
  • Foreclosure/Bankruptcy
  • REO Asset Management
  • Investor / Subservicer Portal

ONE system for every servicing department.

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Enterprise proven. Engineered for mortgages. Designed by servicers.

SAP Fioneer logo.
Ranieri Solutions logo.
  • SAP Fioneer logo.
  • Ranieri Solutions logo.

Transform your mortgage servicing

  • Cloud for Mortgage streamlines servicing operations through a unified platform with embedded workflows, automation, and AI-driven assistance. Managers gain real-time visibility into data, tasks, and performance, enabling dynamic work allocation, auditable processes, and faster decision-making to adapt quickly to changing volumes, risks, and market conditions.

  • Cloud for Mortgage consolidates all financial transactions into a single, real-time system – eliminating reconciliation headaches and batch delays. Every payment, disbursement, and escrow adjustment is posted instantly, ensuring balances are always accurate. Our solution lets Servicers rapidly adapt to regulatory changes via configuration – not custom code. Centralized financial data and digital files with full traceability allow granting examiners and auditors self-service access, accelerating process time and inspiring confidence with regulators and agencies.

  • Our unified platform enables faster, more accurate customer interactions by providing agents with a real-time, 360° borrower view and instant access to documents. Built-in analytics help anticipate customer needs, while native AI and automation reduce manual effort, improve first-call resolution, and support consistent, high-quality service.

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Key attributes driving performance

Real-time data access and processing

Cloud for Mortgage (C4M) is a real-time system with built-in querying and reporting—no overnight batches or report queues. With proper permissions, users export to Excel or CSV. Expanded servicing and vendor fields enable Cloud for Mortgage to serve as a system of record and data lake.

Modern UX/UI

Cloud for Mortgage delivers a modern UX/UI designed for speed, clarity, and ease of use. An intuitive, role-based interface reduces training time, streamlines daily workflows, and enables users to complete tasks efficiently while maintaining compliance and operational accuracy.

Intuitive, automated workflow

Cloud for Mortgage includes a built-in workflow engine to assign work, track progress, and escalate risks—no custom code or add-ons required. Servicers manage operations natively, improving efficiency and quality while significantly reducing operational complexity and cost.

Embedded AI

Cloud for Mortgage includes a private, embedded AI mortgage bot that assists servicers in real time. Users can ask loan-specific, regulatory, or investor questions, and review internal procedures. The closed model learns only approved content and never shares data outside your organization.

Natively configurable

Cloud for Mortgage is a highly configurable, all-in-one platform with 40 servicer-controlled configurations at launch. Servicers tailor operations to their business needs while operating within built-in compliance and regulatory guardrails.

In-system reporting and dashboards

Cloud for Mortgage delivers in-platform reporting and dashboards that provide a real-time view of portfolio activity. Built directly on live system data, it eliminates the need for external reporting tools or data extracts, giving servicers immediate visibility into performance, risk, and operational status.

In-system document viewing

Cloud for Mortgage provides in-system document viewing, allowing users to securely access and review loan, servicing, and vendor documents directly within the platform. This eliminates the need for external document systems, reduces context switching, and ensures users are always viewing the most current, accurate records.

APIs for every data field

Every Cloud for Mortgage data field is accessible via no-cost APIs. The UI uses REST APIs to interact with business processes and the database, improving data integrity, security, functionality, efficiency, and overall system reliability.

  • Real-time data access and processing

    Cloud for Mortgage (C4M) is a real-time system with built-in querying and reporting—no overnight batches or report queues. With proper permissions, users export to Excel or CSV. Expanded servicing and vendor fields enable Cloud for Mortgage to serve as a system of record and data lake.

  • Modern UX/UI

    Cloud for Mortgage delivers a modern UX/UI designed for speed, clarity, and ease of use. An intuitive, role-based interface reduces training time, streamlines daily workflows, and enables users to complete tasks efficiently while maintaining compliance and operational accuracy.

  • Intuitive, automated workflow

    Cloud for Mortgage includes a built-in workflow engine to assign work, track progress, and escalate risks—no custom code or add-ons required. Servicers manage operations natively, improving efficiency and quality while significantly reducing operational complexity and cost.

  • Embedded AI

    Cloud for Mortgage includes a private, embedded AI mortgage bot that assists servicers in real time. Users can ask loan-specific, regulatory, or investor questions, and review internal procedures. The closed model learns only approved content and never shares data outside your organization.

  • Natively configurable

    Cloud for Mortgage is a highly configurable, all-in-one platform with 40 servicer-controlled configurations at launch. Servicers tailor operations to their business needs while operating within built-in compliance and regulatory guardrails.

  • In-system reporting and dashboards

    Cloud for Mortgage delivers in-platform reporting and dashboards that provide a real-time view of portfolio activity. Built directly on live system data, it eliminates the need for external reporting tools or data extracts, giving servicers immediate visibility into performance, risk, and operational status.

  • In-system document viewing

    Cloud for Mortgage provides in-system document viewing, allowing users to securely access and review loan, servicing, and vendor documents directly within the platform. This eliminates the need for external document systems, reduces context switching, and ensures users are always viewing the most current, accurate records.

  • APIs for every data field

    Every Cloud for Mortgage data field is accessible via no-cost APIs. The UI uses REST APIs to interact with business processes and the database, improving data integrity, security, functionality, efficiency, and overall system reliability.

Why switch to our platform?

88%

fewer FTEs required to process loans

1B+

transactions processed daily by our systems

80%

reduction in manual data handling and database size

60%

reduction of custom developments

Find featured resources and events

Brochure

Next-generation mortgage servicing

Find out more about Cloud for Mortgage and how it could help you to run your Servicing business better

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Event

Meet us at the MBA Servicing Solutions Conference & Expo

We’re excited to join the MBA Servicing Solutions Conference & Expo and connect with servicing leaders shaping the future of mortgage operations.

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