Digital Lending Solutions

The future of lending is fast and personalized. With advances in platform lending solutions and automated collection systems, lenders can streamline intelligent workflows—and keep customers happy. Partner with us for a high-performing future.

Create experiences

that provide positive, user-friendly interactions for borrowers, customers and employees.

Streamline workflows

through automated tasks, simplified processes, reduced processing time and related cost takeout.

Optimize end-to-end services

with digital solutions that boost productivity and efficiency across the lending value chain.

Segments

Mortgage lending

Get game-changing value from our mortgage strategy, implementation and delivery services. Our expertise ranges from loan origination and services to default servicing and secondary marketing.

Model of a house with coins stacked in front of it

Auto lending

Create a modern, resilient infrastructure that’s ready to capitalize on new technologies like generative AI—and help you ride out market and economic forces.

Enjoying the wind from the comfort of your car

Commercial lending

Transform your legacy systems into digital lending platforms that offer personalized journeys, data-driven efficiency and lower costs.

Packaged goods on a shelf at a grocery store

Offerings

Origination

Drive seamless, end-to-end loan origination. Our automated workflows help differentiate your lending services with a modern CX backed by integrated CRM and POS platforms.

Servicing

Modernize your servicing organization with business-led strategies and operational efficiency. Our end-to-end solutions ensure top-notch customer experiences while streamlining loan workflow and reducing costs.

Learn more

Collections

Our AI/ML-driven approach to collections helps lenders modernize operations with a blend of automation and empathy that never compromises CX.

Learn more

Business process services

We’re a NMLS licensed mortgage outsourcer with 5,000+ associates. Our business process outsourcing (BPO) relies on behavior-led touchpoints and omnichannel services to improve customer satisfaction and reduce risk.

Learn more

AI

Cognizant’s Neuro® AI capabilities help lenders streamline operations and deliver personalized customer experiences.

Watch video

Cloud migration

Cloud-based platforms are changing the face of lending. Power your lending organization’s innovation and growth with our cloud expertise, industry knowledge and partnerships.

Learn more

Case studies

CoreLogic shifts to Google cloud – Tax GCP Migration

and achieved dramatic cost savings by eliminating on-premises computing infrastructure costs, using GCP-native monitoring tools and creating infrastructure as code (IAC).

CoreLogic modernizes its IT training program

and achieves 75% reduction in SME dependency and 259% increase in learner completion.

A man & a woman sitting at a desk in a room with large windows, discussing with a laptop open on a table infront of them

CoreLogic unlocks transformative new capabilities

by swiftly transitioning from its traditional on-premises RPA platform to Microsoft Power Automate.

Lender cuts cost per loan by 20%

with a 28% increase in loan approval rate and a 76% increase in file submissions.

Thought leadership

Preparing for the refinance wave: 6 keys

Interest rate cuts offer lenders a prime opportunity to capitalize on the refi boom. Here’s how agile lenders profit amid market dynamics.

Building structures made out of dotted led lights

Empathy 2.0: How gen AI and data are shaking up debt collection

Consumers are sliding deeper into debt, which means new work and challenges for debt collectors. See how data, automation and empathy are reshaping debt recovery.

A couple sitting side by side, holding coffee mugs and smiling

How mortgage lenders can grow in a down market

Even amid the mortgage downturn, lenders can create a path to growth, starting with a smart integration and data strategy.

Close up view of a keyhole with a key in it

Transforming auto finance: Gen AI's path to modernization

Capitalizing on the technology’s benefits starts with an unbiased look at existing core systems. Spoiler alert: It won’t be pretty.

Accolades

Cognizant named a Leader in the Everest Group Lending Services Operations PEAK Matrix® 2024

We are proud to lead the way in financial innovation, helping clients streamline operations in a dynamic lending market. The Everest Group has recognized Cognizant for its comprehensive services, strong partnerships, diverse client portfolio, strong global presence, robust delivery capabilities and innovative in-house offerings.

Know more

Differentiators

OVERVIEW

End-to-end lending and BPO services

Strengthen your presence across your lending value chain—mortgage, auto, personal and commercial—with Cognizant’s end-to-end lending IT services and business process outsourcing (BPO).

Learn more

Closeup view of a pair of hands holding two jidsaw puzzle pieces

OVERVIEW

Cognizant Collections Optimizer uses AI and ML

Modernize and humanize your default operations and customer experience with our revolutionary AI data model, Cognizant® Collections Optimizer.

Learn more

OVERVIEW

Income and employment verification services

Our managed services use flexible staffing and a workflow customized for your organization to verify borrower data quickly and efficiently.

Learn more

A man and a woman smiling and having a conversation while sitting at a table and looking at documents and a laptop

VIDEO

Cognizant Collections Optimizer prioritizes three risk profiles

Engage your customers most likely to pay for up to 20% productivity, 15% payments and 20 basis point NPS improvement with AI- and ML-driven Cognizant Collections Optimizer.

Watch video

OVERVIEW

ODC security solution

Cognizant’s world-class security at our offsite delivery centers (ODCs) is unsurpassed in the industry. Our facility security protocols range from restricted access to credential, fingerprint, and facial recognition—and from anti-tailgate controls to intrusion detection.

Learn more

Tall glass fronted office building with palm trees in front of it

OVERVIEW

Transform your underwriting for FICO 10T and VantageScore 4.0

By Q4 2025 mortgage lenders must use trended credit scores for Fannie Mae and Freddie Mac loans to enhance home ownership access. We’re here to help transform your data, IT and workflows while delivering seamless CX.

Learn more

Two women sitting cross legged, smiling and looking at a mobile phone

VIDEO

Intelligent experience automation with Cognizant Neuro

Cognizant Neuro®—combined with unmatched strategy, implementation and delivery—unlocks game-changing value. It’s the fastest, simplest way to reap the benefits of automation and AI.

Watch video

VIDEO

CARES framework: Avoid disruption to your operations

With CARES, we collaborate with you on plans for every aspect of your project—from quality management and staffing to training, IT and business continuity.

Watch video

computer-simulated image of lines crossing

Partners

Our partnerships with world-class organizations deliver comprehensive solutions to our clients. We also forge strategic alliances with other companies and offer expansive services to solve your business and IT challenges.