The AI Underwriting Agent That Never Makes a Mistake
Revolutionary mortgage underwriting with institutional memory, real-time AUS integration, and 100% regulatory compliance across all loan programs.
AI Underwriting Engine
AUS Findings - Real Time
Risk Assessment Matrix
Document Verification Status
Eliminating Every Underwriting Challenge
Our AI agent solves the most critical pain points that slow down mortgage underwriting operations.
AUS Integration & Interpretation
- • Real-time LP, DU, GUS integration
- • Automated findings interpretation
- • Instant re-submission for improved findings
Non-Conforming & Complex Scenarios
- • Bank statement programs, asset depletion
- • Self-employed, commission, 1099 analysis
- • Foreign national and investor expertise
Regulatory Compliance & Certification
- • QM/Non-QM determination and ATR
- • HMDA, CRA, and fair lending compliance
- • Automated certification workflows
Post-Closing Quality Control
- • Pre-purchase QC and loan delivery prep
- • Investor guideline compliance verification
- • Automated deficiency identification
Income & Asset Verification
- • VOE, VOD, tax return analysis automation
- • Bank statement income calculation
- • Asset sourcing and seasoning verification
Condition Management
- • Intelligent condition tracking
- • Automated document receipt and review
- • Borrower communication for outstanding items
Institutional Memory Meets AI Intelligence
Advanced underwriting capabilities that combine decades of institutional knowledge with cutting-edge AI.
Multi-Program Expertise
- • Conventional, FHA, VA, USDA, Non-QM
- • Jumbo, portfolio, and investor products
- • Construction and renovation lending
- • Commercial and investment property
Advanced Risk Assessment
- • Layered risk analysis and compensating factors
- • Credit event analysis and re-establishment
- • DTI flex and residual income calculations
- • Automated risk rating and pricing
Documentation Intelligence
- • OCR and data extraction from any document
- • Automated stip generation and tracking
- • Version control and document comparison
- • Electronic signature workflow integration
Lender-Specific Overlays
- • Custom underwriting guidelines implementation
- • Exception approval workflow automation
- • Investor-specific requirement mapping
- • Portfolio retention criteria analysis
Seamless Integration with Your Entire Tech Stack
Connect with all your existing systems for a unified underwriting workflow.
LOS & AUS Systems
- • Encompass, Calyx, Byte
- • LP, DU, GUS integration
- • Real-time data synchronization
Document & Verification
- • eFolder, ImageRight
- • 4506-C, VOE/VOD providers
- • Credit reporting and re-score
Closing & Post-Closing
- • Closing disclosure preparation
- • Post-closing audit systems
- • Investor delivery platforms
Proven Underwriting Performance
AI-Powered Risk Assessment Matrix
Intelligent risk categorization with automated decision routing and escalation workflows.
Low Risk
Auto-Approve
• DTI < 36%
• LTV < 80%
Moderate Risk
Conditional Approval
• DTI 36-45%
• Standard conditions
High Risk
Manual Review Required
• Compensating factors
• Senior underwriter review
Unacceptable Risk
Decline
• Fraud indicators
• Automatic decline
Coordinated Intelligence Across All Channels
Underwriting Agent coordinates with Voice Agent to handle all human interactions required during the underwriting process.
Borrower Communication
Status updates, condition requests, document collection, and clarification calls with borrowers throughout the underwriting process.
Loan Officer Coordination
Complex scenario discussion, alternative structuring options, and exception handling coordination with loan officers.
Management Reporting
Pipeline analysis, capacity planning, exception reporting, and performance metrics for management oversight.
Complete Compliance & Certification
Automated compliance monitoring and certification across all regulatory requirements.
QM/Non-QM Determination
Automated ATR analysis and safe harbor compliance verification.
TRID Integration
CD preparation and tolerance monitoring with automated compliance checks.
Fair Lending
Automated pricing review and exception flagging for fair lending compliance.
Investor Compliance
Fannie, Freddie, Ginnie, and portfolio investor guideline compliance.
Ready to Transform Your Underwriting Operations?
See how our AI agent eliminates underwriting bottlenecks while ensuring perfect compliance and documentation.