MBA Premier Member Spotlight: Pragma

(One in a continuing series of profiles of Premier Members of the Mortgage Bankers Association. Please contact MBA’s Alicia Goncalves, CMB for information about Premier Member spotlights.)

MBA NewsLink: Share a brief overview of your company.

Pragma: Pragma is a Custom Software Development and Digital Transformation company founded over 29 years ago to improve lives by transforming businesses. With deep expertise in the financial sector, we specialize in building solutions that enhance customer engagement, streamline loan processes, and optimize digital experiences for Banks.

Our approach combines innovation with a deep understanding of financial services, empowering mortgage lenders to offer faster, more transparent, and cost-efficient solutions while enhancing customer trust and loyalty.

By leveraging automation, integrations, AI, data-driven insights, and seamless digital interactions, we help banks reduce friction, accelerate approvals, and build stronger customer relationships.

We offer the Big Tech Consultants’ capabilities, with the client obsession of a Boutique, meaning: a team of highly skilled consultants with experience working for top companies, strong credentials from certifications and leading partners, along with client-focused needs, providing specialized support tailored to each company’s unique situation, allowing us to develop long-term relationships with our clients.

MBA NewsLink: What key products or services would you like to showcase?

Pragma: We help modernize and streamline the lending process for banks, credit unions, and non-QM lenders, while also supporting broker networks and multiple borrower types. We do it through MOSS (Mortgage Origination Solution)—our end-to-end digital mortgage origination framework.

Standout features include:
Seamless Integrations with LOS, PPE, and services.
Borrower-Centric Experience that reduces reliance on manual communication and simplifies the application journey.
Intelligent Automation that drives efficiency, reduces email volume, and speeds up loan cycle times.
Scalability & Flexibility to support multiple channels, product types, and future growth without costly rework.

MOSS combines modern technology, integrations, and measurable ROI to help lenders grow and adapt in today’s mortgage market. Learn more here.

MBA NewsLink: How would you describe your company’s culture?

Pragma: At Pragma, culture is a lived experience driven by core values, continuous growth, and meaningful impact. We believe that when individuals thrive, innovation happens naturally, and lasting change is possible.

Our foundation is built on honesty, respect, transparency, tenacity, and courage, shaping a workplace where people feel empowered to learn, evolve, and reinvent themselves.

We foster a culture of mentorship, career development, and knowledge-sharing, ensuring that every Pragmatic has the support and opportunities to grow both professionally and personally. Agility is part of our DNA—it defines how we approach challenges, make decisions, and build solutions.

We experiment boldly, adapt quickly, and drive meaningful change, creating a dynamic and forward-thinking environment.

We are passionate about working hand in hand with our clients, deeply understanding their challenges to co-create innovative solutions that deliver extraordinary results.

At the same time, we support social initiatives rooted in education, believing that knowledge is a powerful tool for driving positive change in communities.

Our sense of belonging and collaboration thrives through team-building activities, internal communities, and shared experiences, fostering authentic connections and a supportive work environment.

At Pragma, we empower people, challenge boundaries, and create a lasting impact on businesses and society.

MBA NewsLink: How is your company engaged with MBA?

Pragma: By joining MBA, Pragma is committed to working alongside industry leaders to shape the future of mortgage lending. We bring cutting-edge technology, deep financial expertise, and a customer-first approach to help MBA members reduce costs, improve efficiency, and enhance borrower experiences.

We look forward to collaborating with the MBA community to drive innovation and create more innovative, faster, and more secure mortgage solutions. As part of our engagement, we will actively share knowledge and provide education in key areas such as artificial intelligence, system integrations, and process optimization—helping lenders streamline operations, improve decision-making, and accelerate their workflows.

Additionally, we are committed to actively participating in MBA committees to better understand industry challenges firsthand and continue developing solutions that address lenders’ most pressing needs.

Together, we can advance the industry with technology-driven solutions that empower lenders and benefit borrowers.

MBA NewsLink: What opportunities do you see for collaboration with lenders and servicers?

Pragma: Enhancing Borrower Experiences: With MOSS, we see collaboration opportunities that go beyond technology, partnering with lenders and servicers to reimagine how mortgages are originated, processed, and managed.

By combining intelligent automation, seamless integrations, and borrower-centric design with their deep market expertise, we can jointly reduce friction in the loan lifecycle, unlock real-time data insights for smarter decision-making, and deliver the kind of modern digital experience today’s borrowers expect, all while driving measurable ROI and long-term growth.

Automating and Streamlining Loan Processing: Our automation and AI-driven solutions eliminate manual inefficiencies, accelerating loan origination, underwriting, and servicing. We develop smart workflows and digital document management systems to reduce processing times and improve compliance.

Driving Data Intelligence for Better Decision-Making: We enable lenders to harness real-time data insights to enhance risk assessment, improve loan performance tracking, and optimize portfolio management.

Our expertise in predictive analytics and AI helps servicers make data-driven decisions that enhance operational efficiency.

Seamless System Integration for Greater Efficiency: We specialize in integrating mortgage technology ecosystems, connecting loan origination systems (LOS), customer relationship management (CRM) platforms, servicing solutions, and third-party data providers.

By streamlining data flow and reducing system fragmentation, we enhance operational efficiency, improve compliance, and create a more unified lender experience.

(MBA Premier Member Spotlights are provided by the Mortgage Bankers Association as a service to MBA Premier Members. Publication does not constitute an endorsement of a particular company, product or service. For more information about the MBA Premier Member program, contact MBA Director of Associate Membership Alicia Goncalves, CMB, at agoncalves@mba.org or call 202/557-2920.)