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"Innovation has nothing to do with how many R & D dollars you have. When Apple came up with the Mac, IBM was spending at least 100 times more on R & D. It's not about money. It's about the people you have, how you're led, and how much you get it."

Steve Jobs



Creative Thinking, Inc. has been and continues today to innovate in loan origination software.


We did not invent the laser printer but we were the first to make it work.  We began the transformation from pre-printed forms to laser in 1985.  We started doing software as a service in 1985 as well.  We started that before there as an acronym for it.


We have been letting our customers decide who they want to provide them with compliant forms since 1990.  We did not need to create huge overheads to deliver blank compliant forms we just learned how to make them all work.  This also means that we have been allowing internal forms as a no cost addition because our technological innovation allows us to leverage the knowledge of the customer as well.  We now, with OEDNA technology, can readily adapt any form to make it an organic form.  Something only we can do.  We have made quality resources better maximizing return without the attendant overhead.


We did not create the single solution but we made it work in 1995.  The industry broke the solution down into multiple software solutions during this same time.  Because we did this in 2010 we started providing just in time compliance avoiding all the pitfalls of post compliance analysis.  ULDDs and other solutions will not solve the problem.  Single solution for all participants is what we created while others looked for easy solutions.  Single solution was not easy to do but it pays huge dividends today because we were not afraid to innovate.


We have been doing application data and verified data in our single solution since 1995.  Ability to repay and qualified mortgages are not upsetting requirements when you innovate and do what is right.  Dodd-Frank only helped us to see that we have been going in the right direction for 30 years while the industry was on a dead end path.


We did not invent the internet but we have been using that communications structure since 2000.  Today closed firewalled systems cannot deliver.  All people involved with the origination event must have access.  Multiple systems with multiple data bases is a disaster waiting to happen.  A complete story book is the only way to prove compliance.  Our innovation allows us to help without being pretenders that we help.


In 2009 we delivered talking images.  Temporal data solutions have been tried but we have succeeded.  Without talking images you will need a good lawyer to convince the jury that your story of compliance is better than the borrower's story.  We were the first to do laser printing and we are the first to make sure your practice prints don't become your final prints in a court of law or a regulators mind.  Others promote back dating of forms as a feature we have innovated to get the form printing on time and protect the integrity of your organization.


Our innovation continues to this day.  We will be leveraging Telerik, Microsoft and Rackspace technology that will allow us to maintain compliance, access and total solution through all platforms and devices.  Innovation is the answer and we have been thinking Creatively for over 30 years.  Money doesn't innovate.  People with a passion for what we do are the innovators.

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