Loan file intake
We read every document in the borrower file, sort each one, and post clean data to your LOS. Personnel is two-thirds of your per-loan cost today.
Mortgage & Specialty Lending
AI that reads every loan file and speeds the decision. We build it and run it for you.
We read every document in the borrower file, post clean data to your loan origination system (LOS), and re-check each file against investor and agency rules.
Deeply trusted by enterprises globally
Cost per loan comes down
A single mortgage costs $10,965 to produce. The top quartile of lenders already does it for about $6,900, and two-thirds of that cost is personnel.
Fewer defects and buybacks
About 1 in 56 closed loans has a critical defect, and income and employment is the leading defect category. Every defect is a loan an investor can make you buy back.
Files stop sitting
A purchase mortgage still takes about 42 days to close. Every extra day makes borrowers nervous and keeps your capital tied up.
Your applications, pay stubs, and bank statements still get read by hand
A borrower file lands as a stack of documents, and someone on your team reads each one and keys it into your loan origination system (LOS). Underwriting waits while conditions get chased one at a time, and when that backs up, closings slip.
The documents in scope
- Pay stubs
- W-2s
- Bank statements
- Tax returns
- Appraisals
- Title documents
- Insurance certificates
- Mortgage pre-approvals
- Mortgage statements
$10,965
Cost to produce a single mortgage
$6,900
What the top quartile of lenders spends
1 in 56
Closed loans carrying a critical defect
Five jobs AI does for your team
Start where the backlog is visible and the cost is measurable. The same agents cover the adjacent work once the first one is live.
Income and asset verification
We check pay stubs, bank statements, and tax forms against the application, then flag what is missing. This is the number one thing that sends loans back.
Conditions and stips
We re-check every file against investor and agency rules before you deliver it. This is what keeps your defect rate and buybacks down.
Post-close QC
After closing, we sample funded loans and audit them against investor and agency rules, catching defects before they turn into repurchase demands.
Financial spreading for specialty credit
We spread financials and read cash flow for equipment, auto, and small and medium-sized business lending. What took weeks of review now takes hours.
How we deliver it
01
Process redesign
Senior engineers map your document workflow and find the highest-return automation. They redesign the workflow around AI-first processes, then build the automation into it.
02
Solutions
We deploy AI agents from a library built across 100+ production projects. Tailoring a proven agent to your documents takes weeks. Building one from scratch takes months.
03
Managed delivery
We run the system after launch. We monitor accuracy, handle exceptions, and keep the integration to your systems of record current.