Residential

Intelligent, scalable residential lending—designed for today’s borrowers and tomorrow’s growth.

End-to-end residential lending solution built for Canadian lenders

Cloud-based, modular, and API-first for fast integration and connection

Agentic AI-ready adjudication and underwriting to reduce operational costs and increase speed

Real-time decisioning and data ingestion into our cloud unified data layer

Collaborative experience on the same platform for borrowers interacting with Mortgage Advisors, Processors and underwriters

Fully compliant with Canadian lending regulations

Security is at the heart of our lending solutions

Explore our products for the residential loan lifecycle

Solutions for the entire residential loan lifecycle with a modular approach that fosters dynamic collaboration between clients and mortgage experts.

Explore each stage to see how it supports your journey

Client Acquisition

Reach borrowers through every channel – self-serve, branch, advisor, realtor, or broker – all connected in one seamless platform. Modules included: Advisors and Point of Sales Systems (POS)

Client Advice

Empower borrowers and members with personalized guidance and tailored recommendations at every step of the mortgage journey.
Modules included: Mortgage Recommendations Engine, Dynamic Document Center and Conditions Management

Origination

Streamline applications with dynamic borrower and broker portals, real-time updates, and a fully digital document and conditions experience.
Modules included: Mortgage Broker Dashboard, Mortgage Broker Portal and Client Portal

Adjudication

Accelerate decisioning with AI-driven document review, credit assessment, fraud prevention, and configurable approval workflows.
Module included: Optimus AI Decision Engine

Underwriting & Funding

Orchestrate underwriting and funding with workflow automation, role-based access, and proactive coordination for a smoother closing.
Modules included: Underwriting and Funding Consoles (LOS)

Servicing

Deliver always-on servicing with a self-serve client portal, collaborative agent tools, and a white-labeled experience fully integrated with your ecosystem.

Modules included: Client Servicing Portal and Servicing Console

Technology powered by people

Our strength comes from the balance of cutting-edge technology and the people who shape it. With decades of lending expertise, our teams design tools that reflect how lenders actually work — and manage operations with the same precision and care.

Because real success comes from more than great tech. It comes from the people behind it.

Meet our team

Flexible Delivery Models

We offer flexible delivery models to meet your operational needs, whether you want to enhance in-house operations or fully outsource your lending process.

Fully Outsourced (BPO)
Let us manage your entire lending lifecycle — powered by our technology and backed by our mortgage experts.

  • End-to-end loan management, from adjudication to servicing
  • White-labeled experience for borrowers and brokers
  • Compliance-ready, scalable, and built for performance

SaaS
Empower your team with our end-to-end lending technology. Use Nesto Cloud as a standalone platform to power your in-house lending operations.

  • Cloud-based, secure, and fully configurable
  • AI Ready to accelerate decision-making
  • Integrates easily with your existing systems

Plans

Powered by technology and delivered
by experts through a 360 delivery model.

Core

End-to-end residential lending technology core module to run your lending business.

Enterprise

A complete solution suite for top-tier financial institutions.

Add-ons

Explore our add-ons for a
complete solution.

AI Agent

Our proprietary AI assistant for faster decisioning and smarter automation.

Servicing

Empower borrowers with a self-serve portal, equip your team with a robust servicing console, and unlock cross-sell opportunities.

Strategic implementation, backed by experts

Every Nesto Cloud rollout is guided by deep industry experience - whether led by our in-house team or through one of our trusted partners. Together, we help you build the right framework, adapt quickly, and unlock value faster.

Nesto Cloud Experts

Work directly with our team to leverage best practices in implementation and integration, ensuring maximum value from day one.

Preferred Partners

We can recommend certified integration partners, trained and experienced in delivering the Nesto Cloud platform seamlessly.

Trusted by leading financial institutions

    A platform you can trust

    Canadian Residential Mortgage Servicer Ranking of MOR RS1

    Highest possible ranking for a Canadian Residential Mortgage Servicer, which signifies our operational excellence and trusted mortgage servicing practices.

    Nesto Cloud is part of Nesto Group

    Canada’s leading provider of mortgage technology and financing solutions, with over $73 billion in residential and commercial mortgages under administration. We are trusted by many of the country’s most prominent financial institutions. Learn more

    Great Place To Work Certification

    Recognizes employers who create an outstanding employee experience and an amazing workplace culture.

    Ready to modernize your lending with advanced cloud technology?

    Let's talk.