Credit, capacity, and collateral analysis on every loan. AUS findings interpretation across DU, LP, and GUS. Lender-specific overlay tests. The agent generates a decision recommendation with a conditions packet and a full workflow audit trace; the human underwriter approves. Built to operate well below the 2.24% best-in-class post-closing error rate.
AUS interpretation, complex-scenario handling, regulatory tests, post-close QC, income and asset verification, condition management — automated end-to-end and handed to the underwriter.
Conventional, FHA, VA, USDA, jumbo, non-QM, and bank-statement programs. Lender overlays — DTI ceilings, FICO floors, reserves, property-type restrictions — encoded as a versioned rule pack. Every decision is tagged with the rule-pack version that produced it.
Connect with all your existing systems for a unified underwriting workflow.
Intelligent risk categorization with automated decision routing and escalation workflows.
Auto-Approve
Conditional Approval
Manual Review Required
Decline
Underwriting Agent coordinates with Voice Agent to handle all human interactions required during the underwriting process.
Status updates, condition requests, document collection, and clarification calls with borrowers throughout the underwriting process.
Complex scenario discussion, alternative structuring options, and exception handling coordination with loan officers.
Pipeline analysis, capacity planning, exception reporting, and performance metrics for management oversight.
Automated compliance monitoring and certification across all regulatory requirements.
Automated ATR analysis and safe harbor compliance verification.
CD preparation and tolerance monitoring with automated compliance checks.
Automated pricing review and exception flagging for fair lending compliance.
Fannie, Freddie, Ginnie, and portfolio investor guideline compliance.
See how our AI agent eliminates underwriting bottlenecks while ensuring perfect compliance and documentation.
