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AI Loan Processing

Process Loans Faster. Close Sooner.

Your AI Loan Processing Teammate automates document gathering, credit assessment, eligibility validation, and closing coordination — tripling throughput while cutting cost per loan by 40%.

SOC 2 Compliant PCI DSS Fully Auditable
What This Teammate Does

End-to-End Loan Processing — Fully Automated

From application intake to closing coordination, your AI teammate handles every step of the loan lifecycle with speed, accuracy, and regulatory compliance.

Document Gathering

Automates the collection and classification of loan documents — pay stubs, tax returns, bank statements — with intelligent follow-up for missing or incomplete items.

Credit Assessment

Pulls credit reports, analyzes borrower profiles, and generates preliminary risk assessments — accelerating underwriting decisions with data-driven insights.

Eligibility Validation

Validates borrower eligibility against product requirements, regulatory guidelines, and investor overlays — flagging issues before they cause delays or rejections.

Loan Packaging

Assembles complete loan packages with all required documentation, disclosures, and compliance artifacts — ready for underwriter review and investor delivery.

Compliance Checks

Automatically validates against TRID, HMDA, fair lending, and state-specific regulations — ensuring every loan meets compliance standards before closing.

Closing Coordination

Orchestrates closing logistics — title, appraisal, insurance, and settlement — with automated scheduling and status tracking to ensure on-time closings.

Who It's For

Built for Lending Leaders Who Need Throughput & Efficiency

Designed for the executives and operations leaders responsible for loan volume, processing speed, and cost management.

VP of Lending

Lending leaders who need to increase throughput, reduce time-to-close, and improve borrower experience without proportional staff increases.

  • Triple loan processing throughput
  • Reduce time-to-close by 60%
  • Improve borrower satisfaction

COOs & CFOs

C-suite executives accountable for operational efficiency, cost per loan, and regulatory compliance — looking for measurable ROI within 30 days.

  • Cut cost per loan by 40%
  • Scale without adding headcount
  • Maintain regulatory compliance

Loan Operations Managers

Operations managers who need to eliminate document-chasing bottlenecks, reduce manual processing, and handle volume surges without adding temporary staff.

  • Eliminate document chase delays
  • Reduce manual touches per loan
  • Handle rate-lock rush volumes
What It Replaces

Replace Manual Loan Processing with Intelligent Automation

AI Loan Processing directly displaces slow, error-prone manual workflows — without changing your compliance standards.

Traditional Model
AI Teammate
Manual document collection and chasing
Automated collection and follow-up
Manual eligibility and compliance checks
Real-time automated validation
Phone and email closing coordination
Automated closing orchestration
Spreadsheet-based pipeline tracking
Intelligent pipeline management
Temp staff during volume surges
Elastic AI capacity on demand
Measurable Impact

KPIs That Move the Business

Every AI Loan Processing deployment is benchmarked against the metrics that matter most to lending operations leaders.

3xThroughput Increase

Process three times more loans with the same team by automating document handling and validation workflows.

60%Faster Time-to-Close

Automated processing and closing coordination dramatically shorten the time from application to funded loan.

↓40%Cost per Loan

Eliminate manual touches, reduce rework, and cut overhead across every stage of the loan lifecycle.

99%Document Accuracy

AI-powered extraction and validation ensures near-perfect data accuracy from the very first document submission.

↓70%Fewer Conditions

Complete, validated loan packages result in significantly fewer conditions from underwriting and investors.

↑35%Borrower Satisfaction

Faster processing, proactive communication, and fewer delays improve the borrower experience dramatically.

Seamless Integration

Connects to Your Existing Lending Systems

Your AI teammate integrates with the LOS, credit, and closing systems you already use — no rip-and-replace required.

FIS

Native integration with FIS lending solutions for loan origination, servicing, and pipeline management.

Fiserv

Bi-directional sync with Fiserv for loan data, compliance checks, and automated workflow triggers.

Encompass (ICE)

Deep integration with Encompass for document management, compliance validation, and closing coordination.

Credit Bureaus

Connects to Equifax, Experian, and TransUnion for automated credit pulls, scoring, and borrower analysis.

Title Companies

Integrates with title and settlement companies for automated closing coordination and document exchange.

API & Webhook Support

RESTful APIs and configurable webhooks for any system not covered by out-of-the-box connectors — fully extensible.

Deployment Timeline

Live in Weeks — Not Quarters

A structured, phased deployment that delivers measurable results from the first sprint. No multi-year transformation required.

Week 1–2

Discovery & Configuration

  • Map existing loan processing workflows and bottlenecks
  • Configure LOS and credit bureau integrations
  • Define product eligibility rules and compliance checks
  • Set up security controls and audit logging
Week 3–4

Pilot Launch & Validation

  • Deploy AI on a selected loan product or channel
  • Underwriter validation of AI-prepared packages
  • Benchmark: throughput, time-to-close, cost per loan
  • Iterate on rules based on real loan data
Week 5+

Scale & Optimize

  • Expand to all loan products and channels
  • Continuous improvement from underwriter feedback
  • Onboard additional branches and teams
  • Quarterly reviews with lending performance metrics
Governance & Trust

Enterprise-Grade Security for Lending Operations

Every decision is auditable. Every action is governed. Built from the ground up for regulated lending environments.

Human-in-the-Loop by Default

Every loan decision routes through underwriter review. AI prepares and validates — underwriters approve.

SOC 2 & PCI DSS Compliant

Full audit trails, role-based access control, and compliance logging designed for regulatory examinations.

Data Residency & Encryption

Borrower data encrypted at rest and in transit with AES-256, configurable data residency, and retention policies.

Works With Your LOS

Connects to Encompass, FIS, Fiserv, and credit bureaus via secure APIs and certified integration protocols.

Get Started in 30 Days

Launch Your AI Loan Processing Pilot

See measurable results — faster closings, lower cost per loan, and higher throughput — within your first month. No multi-year commitment. No rip-and-replace. Just results.

Live in 2–4 Weeks SOC 2 & PCI DSS Human-in-the-Loop No Data Lock-in