bank lending

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.

See It in 30 mins

80% reduction in loan processing costs

80%
reduction in loan processing costs

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

Jim Beech
CEO Direct Mortgage Corp.

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Results That Matter To Lending Teams

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.

CRE Loan Analysis

Extract property financials from appraisals, rent rolls, and T12 statements. Calculate NOI, DSCR, and cap rate comps, then generate a complete credit memo with underwriting narrative.

Consumer Loan Origination

Automate intake and decisioning for personal loans, auto loans, and lines of credit. Extract application data, pull and reconcile credit, apply policy rules, and generate approval packages.

HELOC Underwriting Analysis

Process HELOC applications by extracting property valuations, calculating combined LTV, verifying income and employment, and producing a structured underwriting memo with draw schedule terms.

SBA Loan Evaluation

Run eligibility checks against SBA size standards, match borrowers to the right program, analyze creditworthiness, and produce evaluation packages ready for SBA submission.

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

Explore our playbooks

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

Zero 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.