Mortgage Underwriting Automation For 20x Faster Results

AI Agents approve and deny loans based on applicants’ data and current market conditions. Just like human underwriters. Only 20x faster.
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“I could not be happier with where we are right now. It's by far a net positive for us, and I don't see that journey really slowing down. (...) Being able to go from three and a half hours to 45 minutes while quality goes up is unbelievable.”
Byron Matthews
CEO @ Talent Inc.
“Nobody is doing what we’re doing with Multimodal, not even close."
Jim Beech
CEO @ Direct Mortgage Corp.

Make Expert Loan Decisions

AI Agents analyze hundreds of data points to make minimum-risk loan decisions.

Ensure Year-Round Compliance

They are designed to follow relevant regulations, like TILA and GDPR, to keep your business legal.

Prevent Fraud

Stop fraud before it occurs. AI Agents detect data discrepancies with unparalleled speed.

Get Consistently Better Results

Our AI Agents learn from your data and feedback 24/7. That way, they only become smarter over time.

Serve 20x More Customers

Expand your customer base without adding overhead. AI Agents process loans 20x faster than human underwriters.

Assess Risk Your Way

AI Agents can analyze any document you want to accurately assess risk. The possibilities are endless.

Customer Statistics

80%
Cost reduction
Direct Mortgage Corp. partnered with us to automate their mortgage application process.
Read the customer story
20%
Increase in client user base
AI Agents help companies make money by increasing their paid customer base and improving their product offering.
Read the customer story
97%
Workflow automation
On average, one AI Agent can automate 80-97% of end-to-end workflows. We call this SuperAutomation. 

Use Cases

AI Agents can automate your end-to-end lending process.

Extract applicant data in custom fields

Extract data from massive amounts of documents in exactly the fields you need — without giving extra instructions.

We train Document AI on your schema before you even adopt it.
Eliminate manual data entry and edits
Boost efficiency
Minimize the risk of errors and oversights

Make automated, minimum-risk loan decisions

Automatically verify data, analyze it, and make loan decisions based on it.

Decision AI also generates reports that explain its decisions and help you ensure compliance.
Analyze hundreds of data points at once
Ensure loan application authenticity
Boost your risk assessment process

Retrieve data from your databases in seconds

Database AI retrieves data from your databases when prompted by employees and clients.

It returns it in the form of natural-language responses, providing a chat-like experience.
Improve employee and client support
Get immediate, data-driven answers
Easily retain and access in-house knowledge

Provide superior employee and customer support

Conversational AI and Database AI answer employee and client questions using data from your documents and databases.

They can interpret it, draw conclusions from it, and return it in the form of natural-language responses.
Provide superior employee and client support
Analyze data faster than ever
Easily retain and access in-house knowledge

AI Agents Mimic In-House Human Underwriters

Here’s what makes them different from any other automated underwriting system.

Latest Generative AI

Our AI Agents are powered by large language models. This lets them mimic human thinking skills —and interact with you in natural language.

Custom LLM Training

We train AI Agents on your documents, data, and tasks, ensuring they master your workflow before you adopt them.

Multimodal Platform

With our platform, you can manage AI Agents through a chat interface, connect them with your databases, and maximize their value for your business.

See Automated Underwriting In Action

See how AI Agents work live before you commit. Get 30 minutes with our experts.
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FAQs

Will you need a lot of time to customize AI Agents for us?

No. We need approximately eight weeks to customize and integrate AI Agents with your systems.

Is there anything you will need from us?

We will need to discuss your current underwriting processes and desired outcomes. We will also need a minimum of 10 sample documents/data you want us to train the AI Agents on.

Can underwriting really be done by AI?

Yes, underwriting can be done by AI. Artificial intelligence mimics human intelligence. This allows AI Agents to make decisions the same way as humans do—by considering hundreds of data points, adapting to different circumstances, and tailoring loan decisions to different applicants and market conditions.

What type of artificial intelligence do your AI Agents use?

Our AI Agents are based on Generative AI or, more specifically, large language models (LLMs). LLMs leverage natural language processing and machine learning to automate knowledge-based tasks, which leads to two major advantages:

- LLMs can understand human language. Most tech solutions can only “read” numbers; LLM-powered AI Agents can read text written in normal human language. This increases their accuracy, efficiency, and versatility.
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- LLMs can learn from data. They are autonomous learners; they continuously learn from data and improve their performance with no human intervention.

LLMs can also be easily retrained on new data and tasks if your needs change over time, making scaling easier than ever.

Is automated underwriting better than manual?

Automated underwriting is quicker and more cost-efficient than manual underwriting, further leading to increased employee and customer satisfaction.

On average, our clients achieve an 80% cost reduction and a 20x faster time-to-decision. Keeping human experts in the loop helps ensure accuracy, but automation gives them a valuable, significant head start.

How does Generative AI compare to other solutions and approaches, like robotic process automation?

In short, Generative AI allows for more sophisticated automation than robotic process automation (RPA):

- RPA focuses on automating repetitive, rule-based tasks. It is well-suited for structured processes that follow predefined rules, but not for processes that require autonomous decision-making and high adaptability. Generative AI is a much better choice here, as it can perform complex tasks based on patterns and examples – instead of needing predefined rules.

- RPA typically requires explicit instructions and manual configuration to automate specific tasks. Generative AI learns from new data and can adapt to new tasks more easily.

- When it comes to mortgage underwriting, RPA can automate repetitive tasks like data entry or document extraction. However, it can’t interpret that data, transform it into human language, or make decisions. Generative AI can perform all of those tasks - both high - and low-level.

Do you also have AI Agents for insurance underwriting?

Yes, we also have AI Agents for automated insurance underwriting. Find more details here.
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