Vault Vault

OneSpan Vault for Mortgage & Lending

Manage and protect the authoritative copy of digital assets such as mortgages, loans and leases in an electronic vault

Bank vault

Electronically signed mortgages and loans are shifting the financial services industry from paper files to digital assets. Our solution goes beyond e-signing to fully automate your mortgage and lending workflows – from signature to closing through to the secure vaulting of digital assets.

Fully automate the signing, closing and vaulting of digital assets with our powerful, single platform solution

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    Use OneSpan Sign to deliver disclosures and loan documents for signing on any device

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    Use OneSpan Sign to review and notarize closing documents, and transfer them to an
    electronic vault

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    Securely manage, track and store the authoritative, electronic original of loans and leases in a vault

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    Used by the world’s top banks and lenders and with 15+ years of best-in-class e-signature and vaulting experience

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    Meets ESIGN, UETA, and UCC Article 9, which set standards for electronic documents that are pooled, sold and securitized

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    Chain of Custody

    Uses the same technology as blockchain to create a chain of secure transaction records throughout the lifecycle of the loan

Some of Our Banking & Lending Customers

Digital Mortgage

Vault for Digital Mortgage

Enabling the full digital processing of a closed mortgage.

From signature to notarization through to the secure vaulting and registration of the note, OneSpan Vault helps automate the mortgage process on a powerful, single platform solution.

OneSpan Vault seamlessly connects to the MERS eRegistry, where eNotes are maintained in their native SMART Doc format.

OneSpan Vault is a MERS and FannieMae approved eMortgage technology solution provider.

Auto finance and equipment leasing industries

Vault for Digital Lending

Automating lending for auto financiers, equipment lessors and other lenders.

From signature to the secure transfer of e-chattel contracts between funding entities, OneSpan helps automate loan processing on a single-vendor solution.

OneSpan Vault supports the TOLEC (Transfer of Location of Electronic Contracts) standard to facilitate transfers between vaults and to enable the control of digital assets as required by law.

How it Works

Eliminate all manual processing and related errors and costs by keeping every component of the closing and vaulting process digital.

Easy to Use

Make it faster and easier for borrowers to accept disclosures and apply for mortgages, loans and leases

White labeled

Enable borrowers to accept disclosures and e-sign mortgage and loan documents anytime, anywhere, on any device. OneSpan Sign is optimized for desktop and mobile signing right ’out of the box’, and enables you to quickly configure and customize the solution for your needs. That includes white-labeling the solution for your brand at no extra charge.

Enable closing agents, attorneys and notaries to facilitate the closing process with borrowers at the closing table

Notebook - Notaries

Accelerate the review, notarization and signing of the documents at the closing table. OneSpan Sign captures signatures, applies the notary’s seal, and logs information about the closing process in the integrated eJournal. Documents are secured using the most comprehensive audit trails in the market.

Watch our eClosing demonstration showing how a borrower and notary can e-sign the mortgage note and security instrument.

Enable lenders, investors, custodians and servicers to securely store and manage the e-notes and loan contracts

Notebook - Audit

Once electronically signed, OneSpan Vault enables document custodians and servicers to register and manage the electronic originals of mortgage notes and loan contracts – quickly and efficiently. Transfer notes and contracts to other entities and vaults with a click of a button.

Document Security

Maintain the chain of custody and legal control of the authoritative copy of digital assets as required by law.

Chain of custody

Preserves the chain of custody of the authoritative copy of loan documents. Uses the same technology as blockchain to create a chain of secure transaction records throughout the lifecycle of the loan.

Legal control

Allows only the rightful owner of the loan documents to access, control and initiate transfers of the authoritative copies to other funding entities. Transfers of assignment and location are easily handled by document custodians and servicers.

Integrity check

Verify the integrity of notes and loan contracts using a tamper-evident digital signature seal applied to every document. Any change to the authoritative copy of the document is flagged immediately as unauthorized, allowing for real-time verification and approval.

Infrastructure Security

Cloud Security

Keep your customer and company data safe with OneSpan's SOC 2-compliant, infrastructure and application security

Hosted on Amazon Web Services, OneSpan Vault provides highly secure data centers with real-time replication of data across distributed locations to ensure continuous availability and optimal performance.

OneSpan Vault also provides full document and database-level encryption using the AES 256-bit encryption standard. This ensures the security and ownership of the authoritative copy throughout the lifecycle of the loan.

Notebook - Audit


Ensure your digital transactions are legally enforceable and comply with all applicable regulatory requirements

OneSpan Vault provides the most flexible deployment options and state-of-the-art data centers to ensure compliance with your company’s risk and security protocols. Start with a cloud or on-premises deployment, then easily switch methods in the event your IT policies change.

Moreover, OneSpan Vault captures detailed and secure audit logs of every action related to the management, assignment and transfer of notes and contracts – to and from the vault.

Scalable Platform


Scale OneSpan Vault across your global enterprise, quickly and cost-effectively

Implement the solution as a shared service across your organization for a quicker time-to-market. Only OneSpan provides a single platform solution and integration framework, enabling  you maintain high security, compliance and performance as your needs grow.

  • Multiple eVault databases supported on a single registry
  • Load-tested to a capacity of 3 billion documents per year
  • Carrier-grade SLA with 99.999% uptime

Our Integration Partners

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Our Expertise

Go live with an digital mortgage and lending expert who is deeply committed to your success

Our solutions are built on decades of experience helping banks and lenders achieve paperless processes, and we have a proven track record helping them to increase adoption and accelerate time-to-revenue. What’s more, we do whatever it takes to make our customers successful. That’s why we have the highest customer satisfaction, retention and net promoter scores out of all providers in the market.
Implementation experience with high-volume, customer transactions

20 years e-signature & vaulting experience

We pioneered the e-signature and e-vaulting markets more than 20 years ago and have vast knowledge of managing and protecting digital assets.

15+ years digital lending experience

We were the pioneering participant in industry standards associations, such as MERS, MISMO and the Electronic Signatures and Records Association (ESRA). We have a deep understanding of compliance requirements in financial services, with over 15 years of experience helping banks and lenders manage and track the lifecycle of financial assets.