Solution
For lending operations, underwriting and credit teams at banks, credit unions and non-bank lenders: mixed loan packets turned into validated, stipulation-checked data in your LOS, with every field cited to its page.
The problem
Borrowers upload IDs, bank statements, tax returns and appraisals as one mixed file, and trained staff spend the day splitting pages and re-keying fields before underwriting can start.
The lag between document receipt and verified data is the lag between application and funding — and borrowers with a slow lender find a faster one.
Surges mean overtime and temporary staff, with error rates rising exactly when the volume — and the scrutiny — peaks.
The product, not a promise
How it works
Ingests complete loan packages from portals, email or LOS uploads — PDFs, scans, images and e-forms.
Separates mixed files into distinct document types and indexes each one, no templates required.
Captures borrower identity, income figures, collateral descriptions and covenant terms from any layout.
Cross-references extracted data against credit policy, compliance checklists and external databases.
Delivers a complete, stipulation-checked file to underwriting with every field cited to its page.
Who it's for
Loan operations analyst
Head of lending operations
Credit risk & compliance
Loan operations stall at the packet. Borrowers send IDs, bank statements, tax returns and appraisals as one mixed upload, in whatever format they have, and skilled staff spend their day sorting pages and re-keying fields before underwriting can start. The lag between document receipt and verified data is the lag between application and funding — and slow funding sends borrowers elsewhere.
The agent ingests complete loan packages from any channel, separates mixed PDFs into distinct document types, and extracts what underwriting needs: borrower identity, income, collateral descriptions, covenant terms. No templates — it works from document understanding, so a new lender format or a new appraisal layout needs no configuration.
Validation is where the time goes back to the business. Extracted data is cross-referenced against your credit policies and external databases; the agent verifies that all required stipulations are present and current before a file moves to underwriting, and flags missing signatures, expired documents and data mismatches for a human to resolve. Compliance checks map to the frameworks lenders answer to — TRID, HMDA, RESPA — with the evidence attached.
Every field in your LOS keeps a direct link to the page it came from, so an internal audit is a click-through rather than a file hunt. After closing, the same agent keeps working: it extracts data from periodic borrower submissions to track covenant health, and flags fraud markers and anomalies as they appear. The loan file becomes a maintained digital record rather than a folder that goes stale at funding.
Volume spikes stop being staffing events. End-of-quarter surges flow through the same pipeline at the same accuracy, and exceptions — never every file — are what humans review. Every exception decision stays with a person; the agent makes sure it is the only kind of decision left.
Objections, answered
Every field keeps a direct link to the page it came from, so verification is a click. Data is cross-referenced against your credit policy and external databases before handoff, and anything uncertain — a mismatch, a missing stipulation — routes to a person instead of passing through silently.
Yes. Stipulation checks run against your required-documents lists and your credit policy, and compliance validation maps to the frameworks you answer to — TRID, HMDA, RESPA — with the triggering evidence attached to each finding.
Source page, extracted value, validation result, reviewer and decision — kept for every field, for the life of the loan. Post-close, the same agent tracks covenant submissions and flags anomalies, so the file stays a maintained record instead of going stale at funding.
Weeks. Intake connects to your portals, email and LOS uploads; output maps to your LOS fields. Because extraction works from document understanding rather than templates, onboarding new document formats later requires no configuration.
Watch it split, extracted, validated against your checklist and cited to the page — live.
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