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Automated underwriting


WorldOriginate is the leader in automated credit decisions and workflow management. WorldOriginate delivers a powerful and flexible framework to deliver full straight through processing for your loans.

Taking lending to the next level.

WorldOriginate FAQs

WorldOriginate FAQs Answers to the our most frequently asked questions relating to WorldOriginate.

How do we get a look at WorldOriginate before we decide to purchase it?

Stargate is happy to demonstrate WorldOriginate at your convenience. Your office or ours, simply contact us to arrange an obligation free viewing.

How does WorldOriginate fit with our existing systems?

WorldOriginate has been designed to complement your existing lending platforms by sitting over the top of your legacy system.  WorldOriginate utilises XML to achieve compatibility between your front and back-end software to realise straight through processing.

How flexible is the reporting?

WorldOriginate’s versatile reporting lets clients create any number of reports to meet business requirements. The reporting module has been built outside of the main architecture so that new reports can be added and batch processing run without disrupting business processing. Clients can even create a new field in the application and build a report to suit.

How long is a typical implementation?

A typical implementation target is 90 – 120 days. With all development performed onsite at Stargate, the lender is not subject to business interruptions. This includes all the required scoping, implementation and testing.

I’d like to feel comfortable about the security of this solution.

Stargate Technologies have adopted a “security in depth” policy. Stargate control the physical environment with door locks, cameras, security passes for all staff and alarms.  Additional layers are employed such as smartcards, password authentications, 128 bit SSL encryption of data and multiple firewalls. To guarantee uninterrupted processing, a diesel generator and multiple ISPs are used. All system data is backed up daily and stored offsite by an external security firm.  Finally, Stargate maintains a complete and ready to use disaster recovery site in the unlikely case of major mishap.

Our business has its own workflow—how customisable is WorldOriginate?

WorldOriginate was designed to be a comprehensive platform for any type of mortgage business, whether a bank, non-bank or commercial lender. All workflow and system milestones are 100% customisable, along with all required communication to your brokers and service providers.

Our mortgage business continues to grow rapidly. How is WorldOriginate able to meet our future needs?

WorldOriginate is highly scalable. WorldOriginate has been "stress tested” and can support thousands of internet users simultaneously, processing hundreds of applications per day.  The platform has been designed so the system can grow with your business.

What about the hassles of installing new business software?

WorldOriginate’s flexible architecture is designed to meet the individual requirements of any client. As a fully managed and hosted model, all testing and design is contained within the Stargate offices. As a result, system implementations are launched with minimal disruption to client businesses.

What benefit do I get through working with a hosted service provider?

There are two key benefits of working with Stargate as a partner, rather than purchasing an “off the shelf” software solution. Firstly, Stargate Technologies understand mortgage businesses. Established over a decade ago with a strong history of innovation, Stargate staff have a broad range of experience within the industry.

What do I need to access the system?

All you require to access the system is Internet Explorer 6.0 and an Internet connection.