Review Loan Packages with More Clarity
Turn complete or partial loan packages into review-ready outputs in under 3 minutes. Surface missing documents, discrepancies, deterministic DSCR/LTV outputs, and audit trails so underwriters can focus on judgment, not manual file assembly.
Typical 20-30 document package in ~3 minutes
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Easy to miss expired insurance certificates, outdated credit reports, or identity verification mismatches
Surface document expiration, identity mismatches, and missing critical fields before final review
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 package intelligence from the first document. Know what is missing and what already aligns before the file is complete
Operational Intelligence, Human-Reviewed Decisions
Automated package extraction, validation, calculation, and issue detection so reviewers can focus on judgment instead of manual reconstruction.
Your Workflow with LoanIntelligence.ai
Upload
Drop complete loan package via API or Google Drive
Process
The system extracts, validates, and calculates in ~3 minutes
Review
Review dashboard, PDF, and auditable JSON outputs with calculations and package findings
Decide
Apply human judgment with clearer package and policy context
Real-World Underwriting Scenarios
Complete Package Review
30-document DSCR loan package processed in 2.5 minutes. All borrower info extracted, DSCR calculated (1.28), expired insurance flagged, identity verified. Ready for underwriter review.
Multi-Property Portfolio
Portfolio loan with 4 properties. AI detected portfolio structure, parsed addresses, aggregated rents across properties, calculated combined DSCR. Complete portfolio analysis in <4 minutes.
Progressive Submission
Borrower submitted documents over 5 days. Dashboard updated with each submission. Day 1: Basic info. Day 3: Calculations available. Day 5: Complete review context with clearer next steps.
Compliance Intelligence in Action
Watch it turn a loan package and credit policy into review-ready outputs 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
Review Summary
CONDITIONS IDENTIFIEDPackage Readiness
76
The package demonstrates strong fundamentals across 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. Missing documentation still needs follow-up before final review: 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 GuidelinesBased on the documents provided, the package aligns with key DSCR policy requirements. Human review remains required for any lending decision.
Ready to transform your underwriting workflow?
Transparent Pricing
Package-scale pricing for lenders, operators, and developers.
Frequently Asked Questions
How accurate are the calculations?
We use deterministic formulas with Excel formula parity. DSCR, LTV, and P&I calculations are deterministic when the required inputs are present. If data is missing, we return null rather than guessing.
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. Outputs include source-linked context, page references, confidence signals, and corrections metadata where available. Third-party providers maintain relevant certifications, and your team remains responsible for the lending decision.
Do you store our loan documents?
No. Zero document retention. Processing is ephemeral, so loan documents are not retained after analysis. Structured outputs may be cached briefly for operational cost protection, but never the original loan documents.
How does this integrate with our LOS?
Use the JSON API to submit documents and retrieve structured outputs. Auditable JSON and PDF reports are designed to fit existing LOS or platform workflows.
Review Loan Packages with Your Credit Policy
Get review-ready dashboard, PDF, and auditable JSON outputs without turning package review into a document chase.
Instant activation. No setup fees. Cancel anytime.