TheLOSDirectory

DigiFi

Full LOS

DigiFi is a cloud-native, API-first digital origination platform founded in 2018, offering no-code workflow configuration, automated decisioning, and multi-language applicant portals supporting 15+ languages with SOC 2 Type II certification.

Lenders who want an API-first, no-code decision engine with full loan origination capabilities

BanksCredit UnionsFintechs
Consumer Auto Small Business Commercial Mortgage Cloud

Quick Facts

Company
DigiFi, Inc.
Founded
2018
HQ
New York, NY
Best Fit
Small to Midsize
Pricing
SaaS subscription (tiered by volume and modules)
Market
Growing presence among banks, credit unions, and fintechs
Visit DigiFi, Inc. →

Overview

DigiFi is a cloud-native, API-first digital origination platform that combines loan origination, automated decisioning, and account opening in a single system. Founded in 2018, the platform distinguishes itself through a no-code configuration approach that lets non-technical teams manage, improve, and deploy lending workflows without writing code, while still offering a full developer toolkit (APIs, webhooks, SDK, and integration builder) for deeper customization. DigiFi supports virtually any loan product — from personal loans and credit cards to auto, HELOC, small business, and solar — and includes multi-language applicant portals supporting 15+ languages. The platform is SOC 2 Type II certified with 99.95%+ uptime and provides 24x5 global customer support.

Key Features

  • ▸ No-code workflow and decisioning configuration
  • ▸ API-first architecture with webhooks, SDK, and integration builder
  • ▸ Automated credit decisioning engine
  • ▸ Multi-product LOS supporting any loan type
  • ▸ Account opening system for banking and investment products
  • ▸ Integration marketplace with pre-built credit bureau and core connectors
  • ▸ Applicant and partner digital portals in 15+ languages
  • ▸ AI Agents for automated task completion
  • ▸ SOC 2 Type II certified with SSO, 2FA, and user permissions
  • ▸ Built-in testing and deployment capabilities with change logs

Pricing

What we know about DigiFi pricing:

Custom pricing; contact sales for quote based on volume and configuration

Like most enterprise LOS vendors, DigiFi, Inc. doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.

Core Banking Integrations

DigiFi offers pre-built integrations with the following core banking platforms:

API-first — integrates with any core via REST APIs and webhooks

Ideal Customer Profile

Asset Size
$100M–$10B
Loan Volume
Growing multi-product lending operation
Staff Size
5–50 lending staff
Best When
You want a modern, API-first origination platform where business teams can configure workflows without code, and you need flexibility to support multiple loan products on one system

Pros & Cons

Strengths

  • ✓ No-code configuration empowers business teams to manage workflows independently
  • ✓ API-first design with full developer toolkit for deep customization
  • ✓ Supports any loan product on a single platform
  • ✓ SOC 2 Type II certified with 99.95%+ uptime guarantee
  • ✓ Multi-language portals make it viable for diverse borrower populations

Limitations

  • ✗ Newer platform with a smaller installed base than established LOS vendors
  • ✗ Less proven in high-volume enterprise mortgage origination
  • ✗ Limited publicly available user reviews for independent validation
  • ✗ No-code approach may not satisfy deeply complex compliance workflows
  • ✗ Pricing not publicly disclosed — harder to budget without sales engagement

User Reviews & Reputation

Review scores and snippets from third-party sources. Ratings reflect aggregate user reviews and may change over time.

Frequently Asked Questions

How much does DigiFi cost?
DigiFi uses custom SaaS pricing that is not publicly disclosed, requiring sales engagement for a quote based on volume and configuration. While this makes budgeting harder without direct vendor contact, the platform's flexible pricing structure is designed to scale with lending volume and module selection.
Does DigiFi integrate with banking core systems?
DigiFi uses an API-first architecture with webhooks, SDK, and an integration builder that connects to any core system via REST APIs. It includes an integration marketplace with pre-built credit bureau and core banking connectors, supporting both traditional banks and fintech lenders.
Is DigiFi good for banks with diverse borrower populations?
Yes, DigiFi's multi-language applicant portals supporting 15+ languages make it particularly well-suited for institutions serving diverse borrower populations. Its configurable digital portals can be tailored to different language preferences and borrower journeys without custom development.
What makes DigiFi different from traditional LOS platforms?
DigiFi's no-code configuration approach lets non-technical business teams manage and deploy lending workflows without writing code, while still offering a full developer toolkit for deeper customization. This dual approach bridges the gap between business agility and technical flexibility that most traditional LOS platforms struggle to achieve.

Last updated: April 4, 2026

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