Underwriting Intelligence that Saves Time
Focus on decisions, not data entry. Turn complete loan packages into decision-ready outputs in under 3 minutes—with Excel-accurate calculations, built-in compliance checks, and full audit trails that compress 5 hours of manual work into a few clicks.
87% cost savings vs manual underwriting
The Manual Underwriting Burden
Underwriting teams spend countless hours manually reviewing loan packages, leaving little time for what matters most: making informed credit decisions.
Hours of Manual Data Entry
You spend 2.5-5 hours per loan package manually extracting borrower info, property details, and financial data from 20-30 documents
Automated extraction from all 20+ document types in ~3 minutes
Risk of Calculation Errors
Manual DSCR and LTV calculations are error-prone. One transcription mistake can lead to incorrect risk assessment
Excel-formula precision with deterministic calculations—never guesses, returns null when data missing
Compliance Gaps
Easy to miss expired insurance certificates, outdated credit reports, or identity verification mismatches
Automated compliance checking: document expiration, identity verification, missing critical fields
No Audit Trail
When auditors ask "where did this number come from?", you're manually cross-referencing documents
Every field traceable to source document with page number and confidence score
Inconsistent Data
Same borrower information appears differently across documents, requiring time-consuming reconciliation
Cross-document validation with authority hierarchy and format standardization
Blind Until Package Complete
Traditional underwriting can't start until all documents arrive. No visibility into deal quality during collection phase
Lifecycle-aware intelligence from the first document. Know your risk posture at every stage, not just at the end
Underwriting Intelligence in Action
Watch it evaluate a loan package against your credit policies in minutes
Processing Timeline
Multi-Format Intelligence Deliverables
Access underwriting intelligence as PDF report, JSON API, or spreadsheet export
Loan Intelligence Report
NEEDS DOCUMENTATIONBorrower
John Doe
Main Street Properties LLC
Property
123 Main St, Columbus, OH 43215
Underwriting Assessment
CONDITIONAL APPROVALOverall Score
76
The loan demonstrates strong fundamentals across all key dimensions. The borrower presents excellent creditworthiness with a FICO score of 740, substantial financial reserves ($800K liquidity, $2M net worth), and conservative leverage at 80% LTV. Conditional approval pending receipt of title commitment and tax returns.
Risk Assessment
Credit
Low
Collateral
Low
Liquidity
Low
Documentation
Medium
Strengths
- Strong borrower creditworthiness (FICO 740)
- Excellent liquidity position ($800K available)
- Conservative LTV at 80% provides equity cushion
- Adequate DSCR of 1.25x meets minimum requirements
- Net worth of $2M demonstrates financial capacity
Action Required
- Submit title commitment before closing
- Provide 2023-2024 tax returns for final verification
- Rent roll required to confirm DSCR calculation
Credit Policy
Standard DSCR GuidelinesLoan meets all standard DSCR policy requirements. Strong credit profile and conservative leverage position this loan well within guidelines.
Ready to transform your underwriting workflow?
Transparent Pricing
$1.00/document. No hidden fees. Instant activation. Pay only for what you use.
Frequently Asked Questions
How accurate are the calculations?
We use deterministic formulas with Excel formula parity. DSCR, LTV, and P&I calculations are 100% accurate when input data is present. We never hallucinate—if data is missing, we return null.
What if documents are scanned or poor quality?
Our hybrid OCR + AI vision handles scanned documents automatically. If OCR produces sparse results, we re-extract using vision models (106x more effective). Most scanned docs process without issues.
Can I trust this for compliance audits?
Yes. Every field includes source document reference, page number, confidence score, and any corrections applied. Complete audit trail for every data point. SOC 2 Type II infrastructure.
Do you store our loan documents?
No. Zero document retention. Processing is ephemeral—documents deleted immediately after analysis. We maintain a 24-hour AI cache for cost protection (structured data only, not your documents).
How does this integrate with our LOS?
Simple JSON API. POST documents, receive structured data. Full API documentation. Works with any LOS or platform.