banking

Close More Loans.
Cut Review Time.
Stay Exam-Ready.

Every day a credit decision sits in queue, a borrower moves on. Close faster on every file, meet OCC and FDIC standards, and let your team focus on the decisions only they can make.

80% reduction in loan processing costs

“Nobody is doing what we’re doing with Multimodal, not even close.”

Jim Beech

CEO Direct Mortgage Corp.

Same-Day Memos. Higher Throughput.

Your analysts work through more files in less time. Spreading, policy checks, and memo drafting are complete before they open the application.

80% Lower Processing Cost per Loan

Lower the cost of building and validating the credit file with consistent automation across intake, spreading/extraction, and exception packaging.

OCC and FDIC-Ready, Always

Same policies applied, same documentation produced, on every single file. Pull any credit file at random, and your examiner will find exactly what they expect.

A Prebuilt Process For Every Loan File

Your credit team already knows this process. Bank lending automation with Playbooks means it runs to the same standard, on every file, across every loan type, in 3 steps.

Covenant Monitoring Review

Every borrower in your commercial portfolio monitored to the same standard, covenants extracted, thresholds tested, and exceptions surfaced before your next exam

Business Loan Evaluation

Financials spread, debt service calculated, and collateral documented, a complete C&I credit memo ready for your committee, not your analyst's inbox

SBA Loan Evaluation

Eligibility confirmed, size standards checked, and program requirements mapped, a complete SBA evaluation package that holds up under agency review

Mortgage Loan Analysis

Borrower data extracted, TRID timelines confirmed, and HMDA fields validated, the mortgage lending automation your compliance team needs, built into every residential file

We've Built A Library Of 91 Playbooks.
‍Find Your Workflow.

Explore The Library

A Platform Built For Every Role In Your Credit Department

Risk & Compliance Leaders

Credit Analysts

Lending Operations

Relationship Managers

Underwriters

Loan Officers

Plugs Into The Systems Your Credit Team Already Uses

The Governance Layer Your Examiners Expect

SOC 2 Type II

Single-Tenant Deployment

0 Data Retention

OCC

FDIC

TRID

HMDA

Reg B

See How Your Committee Gets Complete Files, Every Time

Book a 30-minute proof-of-concept. Pick a loan type, CRE, C&I, SBA, or mortgage. We'll run it on your actual files, live.

Book A Proof-of-Concept

FAQs

How does this support OCC and FDIC examination readiness?

Every credit file includes a complete audit trail, source document cited, policy version applied, reviewer action logged. Your examiner sees exactly how each decision was reached.

What documentation do you provide for vendor due diligence?

A security evidence pack: data handling overview, access model, logging, incident response summary, and subprocessor transparency, aligned to FFIEC-style vendor review expectations.

Do you have SOC 2 Type II?

Yes. Our SOC 2 Type II report is available under NDA.

Can we keep customer data under bank control?

Yes. Encryption in transit and at rest, role-based access, and configurable retention so customer PII stays governed by your policies throughout.

Can we deploy privately (VPC/on-prem)?

Private deployment options are available where supported, depending on your environment and requirements.

How do you handle model governance and credit policy explainability?

You configure thresholds, concentration limits, and review gates. The system records inputs, outputs, committee actions, and overrides to support internal audits and model risk governance.

What happens when a lender overrides a recommendation?

Overrides are logged with reason codes and preserved in the audit trail, maintaining a complete, examination-ready record regardless of how the decision was reached.

Can your commercial loan origination software integrate with our core and LOS?

Our automated lending software connects to your loan origination system and core, Jack Henry, Fiserv, FIS, nCino, via secure integrations, policy checks, decision packages, and verification outcomes flow in without rip-and-replace.

How do you support SBA and consumer loan origination alongside commercial?

Pre-built workflows cover your full portfolio, commercial loan origination, SBA 7(a) and 504, consumer loan origination, and mortgage, all running the same policy standards, documented and exam-ready across every file.