Enterprise DNA

Instead of Mortgage Automator

Stop renting Mortgage Automator. Own your lending desk.

We build your version around your lending policy, bring your Mortgage Automator loans across and run the desk for you, with your fund's rules checked every week.

Mortgage Automator does not publish its prices. Its plans are quoted by active loans and the volume you fund each year, so the bill grows as your book does.

Get your version built See it working
  • check_circleYour data in a database you own
  • check_circleOpen source, no lock-in
  • check_circleBuilt and run by Enterprise DNA

What the subscription covers

Your loan book sits inside a plan priced on its size

Mortgage Automator sets its plans by active loans and annual funded volume, and asks you to talk to sales for the figure. Most of what that buys is screens over a loan register.

trending_up

A plan that steps up with the book

Its published tiers move from up to 24 active loans, to 25 to 99, to 100 and more. Grow the fund and the plan moves with it.

payments

Funded volume in the price

The tier is set by active loans or annual funded volume, whichever is higher. A good lending year raises the bill.

groups

User limits

The standard package lists up to ten users with permission control. Brokers, credit staff and fund administrators all count.

account_balance

Fund features in a higher package

Investor statements, trust accounting and unit pricing sit in the fund package, above the standard origination and servicing one.

description

Custom templates for a fee

Your own document templates can be done by their team for a fee. Your letters follow their template system.

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Built around North American lending

Its compliance reports and payment features name United States systems, such as HMDA reporting and ACH transfers. New Zealand and Australian rules are yours to track.

The working base

Run the lending desk on records you own

ARREARS

Know who is behind before they are a problem

Interest and fees are tracked from the day they fall due, oldest first.

  • check See every loan behind, how much is unpaid and for how many days.
  • check Charge interest across the book on an actual/365 basis in one step.
  • check Switch to the default rate after maturity or from a recorded default date.
  • check Draft the overdue letter from the same records, ready for you to send.

SECURITY

Keep every loan inside its LVR

Each loan carries its own limit from your lending policy.

  • check See committed and current LVR for every live loan.
  • check Measure development loans against the as if complete value.
  • check Flag valuations over twelve months old and valuers not marked independent.
  • check Refuse a draw that would take a loan past its limit or its LVR.

DRAWS

Pay construction draws against evidence

Every draw on a development loan needs the progress report that supports it.

  • check Refuse a construction draw with no quantity surveyor report recorded.
  • check Show undrawn amounts and drawn balances side by side.
  • check Ignore a repeated bank reference, so nothing posts twice.
  • check Find every past draw that went out without its evidence.

INVESTORS

Match the money in to the money out

Allocations, investor rates and certificates live beside the loans they fund.

  • check Flag loans drawn beyond what investors have funded.
  • check Refuse an allocation to an investor with a certificate over two years old.
  • check Draft each investor's statement for the period at their own rate.
  • check Check identity, business purpose and valuation evidence before a loan settles.

Make it yours

Design your own Mortgage Automator replacement

Everything starts from the open-source base. Then it gets your name, the parts you run, your rules and your data from Mortgage Automator. Try it here, and we build the real one.

2. What it runs

3. Make it fit

4. Your colour

Your business · your Mortgage Automator replacement Your version
YB Your business

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Answered from your own database

Build my version

We build it from the open-source base, bring your Mortgage Automator data across and run it for you.

What it looks like

Ask it like you would ask a colleague

Real answers from the demo data that ships with Private Lending for Claude Code. It runs in Claude Code inside the Claude app, so it feels like any chat you already use.

forum

Private Lending for Claude Code

Connected to your own database

Who is behind on interest, and for how long?

PL-103

Borrower
Moana Family Trust
Status
settled
Balance
656,928.08
Arrears
6,928.08
Oldest_unpaid_on
2026-09-22
Days_in_arrears
35
Last_payment_on
2026-08-25
Manager
Jon

Ask it anything

Ten questions your lending desk can answer

Each one is answered from your own records today, in plain words. Ask your own next.

chat_bubble Which loans are in arrears, and for how many days?
chat_bubble Which loans have passed maturity without being repaid?
chat_bubble Which loans sit above their LVR limit today?
chat_bubble Which construction draws were paid without a progress report?
chat_bubble Which securities were last valued more than twelve months ago?
chat_bubble Which mortgaged properties have insurance lapsed or expiring within 30 days?
chat_bubble Which loans are drawn beyond what investors have funded?
chat_bubble Which investors hold a certificate older than two years?
chat_bubble How much interest will each live loan earn over the next 30 days at today's balance?
chat_bubble What is our exposure to each borrower, and what share of the book is it?

Switching

How to switch from Mortgage Automator

A move involves exporting a loan tape, checking the imported records, and running both systems side by side for a month before you switch.

  1. 1

    Export the loan tape

    Export a loan tape from Mortgage Automator’s reports as a spreadsheet in CSV or Excel format. Include the borrower, loan terms, balance, maturity, interest paid-to date and security. If you cannot find the report or one of these records, check with Mortgage Automator about what your account allows.

  2. 2

    Preview, then load

    Start with a preview of the loan tape so you can see what the import will bring across before anything is saved. If the preview looks right, load the spreadsheet into the new desk. Each imported loan includes its borrower, terms, opening balance, maturity, interest paid-to date and one security.

  3. 3

    Review the imported book

    Check the attention list and review every imported loan before treating it as part of the live book. Confirm the borrower, terms, opening balance, maturity, interest paid-to date and security against your Mortgage Automator records. Payment history comes across as one opening balance, not as a full payment ledger. Investors and allocations are not included in the free import.

  4. 4

    Run both systems together

    For a month, keep using Mortgage Automator while you run the new desk alongside it. Compare every loan, including balances and interest, and check that the records and results match your current system. Resolve differences and complete the loan reviews before you rely on the new desk as your main record.

  5. 5

    Switch off Mortgage Automator

    Once you have compared every loan and completed the reviews, switch off Mortgage Automator and use the new desk as your working record. Make the change only after you are comfortable with the imported book and have decided how to handle records that did not come across, such as payment history and investor allocations.

construction

Where the real effort goes

The main work is usually mapping your own fields and rules, then deciding how much history to bring. The loan tape brings core loan details, but payment history arrives as an opening balance, and investors, allocations and further history need additional work. If you have Enterprise DNA run the installation, they handle that migration work with you.

Not ready for a call?

Get your Mortgage Automator switch plan by email

We will send you the step-by-step plan for moving your business off Mortgage Automator, what the move really involves, and how we would do it for you.

One email with your plan. No spam, and you can unsubscribe any time.

Three ways to make it yours

Do it yourself, customise it, or have us run it

Open source

Do it yourself

Free, open source

  1. 1 Clone the repo and run npm install.
  2. 2 Run npm test, then npm run demo to see a sample loan book.
  3. 3 Open it in Claude Code, Codex, OpenCode or Cursor and ask for /attention.
  4. 4 Preview your Mortgage Automator loan tape with the import dry run, then import it.
Get it on GitHub

Built around your business

We customise it

One setup fee, then a retainer

  • check Your lending policy, LVR limits, fees and default terms built in.
  • check Your Mortgage Automator loans, investors and history brought across and checked.
  • check A borrower or investor portal, or a full web front end, if you want one.
  • check Your statements and letters in your brand, set up the way your trustee and auditor expect.
Get your version built

Omni by Enterprise DNA

We run it for you

One setup fee, then a retainer

  • check Installed and operated inside Omni by Enterprise DNA.
  • check Month-end interest, arrears follow-up and investor statements run on a schedule.
  • check Connected to your bank feed, accounting and email, with backups and a tested restore.
  • check A named person for changes, new loan types and your next fund.
Book a call with Sam

Questions

Instead of Mortgage Automator, answered

Does this collect repayments or pay our investors? expand_more

No. Your bank moves the money and the desk records it, with the bank reference on every entry so nothing is counted twice. If you want bank feed matching or payment files built in, we add that to your version.

Can we bring our Mortgage Automator loans across? expand_more

Yes. Export a loan tape from its reports as a spreadsheet and the free version reads it: borrower, terms, balance, maturity, interest paid-to date and the security. Payment history arrives as one opening balance, and every loan waits for a review before it counts. Investors, allocations and history beyond that are part of what we bring across for you.

Does it know New Zealand and Australian rules? expand_more

It checks your records against ASIC's benchmarks for mortgage schemes (70 percent of the as if complete value on development, 80 percent of market value otherwise, independent valuations before a loan is issued), identity checks, business purpose declarations and investor certificates, with the source for each rule written down. It shows the gaps. Your compliance officer and lawyer still decide.

How is interest worked out? expand_more

Daily on an actual/365 basis, from the balance at the end of the day before. Interest-only loans charge on principal, capitalised loans on the full balance, and the default rate applies after maturity or from the day you record a default. Run it side by side with your current system for a month and compare every loan.

What does it cost? expand_more

The free version costs nothing. Enterprise DNA charges one setup fee to build your version and bring your data across, then a retainer agreed around your scope to run it.

Show Sam the lending desk you want to own

In a 30-minute call, show Sam one loan tape, your lending policy and the reports your investors get. We will scope your version, the data we bring across and how we run it with you.

Book 30 minutes with Sam Get the free version

Private Lending for Claude Code is free and open source, published by Enterprise DNA.

Done paying for Mortgage Automator?

Get your version built