AI For Financial Services Lending

From 4 Hours To 15 Minutes Per Review,  Across All 38 Loan Types

Your team originates across nine lending categories, each reviewed manually and with a different process. Move 20x faster per review, same policy applied, every memo and exception tied to source, across all 38 loan types.

See It in 30 mins

80% cost reduction per processed document

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

Jim Beech
CEO @ Direct Mortgage Corp.

read the full story

What Financial Institution Lending Teams Deliver

Your Lending Team Scales Without Adding Headcount

Your analysts cover CRE, SBA, mortgage, consumer, and agricultural, handling more loan volume across every category your institution originates, without adding review capacity.

CRE To Consumer. One Documentation Standard.

Your CRE desk, SBA specialists, mortgage underwriters, and consumer team follow the same documentation standard, with policies cited, exceptions flagged, and rationale recorded on every origination file.

100% SLA compliant

Your borrower experience improves across every loan category, your team stops absorbing the backlog on weekends, and your institution hits every turnaround deadline.

How Financial Institutions Run Lending In Three Steps

Your institution originates across nine lending categories. Every loan runs through the same policy-checked workflow, regardless of type, complexity, or volume.

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 The Library

Built For Every Lending Role In Financial Institutions

Loan Officers

Credit Analysts

Underwriters

Loan Operations

Chief Lending Officers

Risk & Compliance Reviewers

Integrate With Your Core And Legacy Financial Systems

Governance For Credit Decisions

SOC 2 Type II

Single-Tenant Deployment

Zero Data Retention

TRID

HMDa

Reg B

ATR/QM

SBA

OCC

FDIC

NCUA

Find Out Which Loan Category Costs Your Team The Most Time

Tell us which loan category takes your team the longest to close. We'll run that workflow on your actual files and show you what changes.
Book A Proof-of-Concept

FAQs

Does this cover all nine lending categories our institution originates?

Yes. Pre-built playbooks cover 38 loan origination and review workflows across CRE, C&I, SBA, mortgage, consumer, auto, agricultural, construction, and HELOC, each running to the same documentation standard.

Can we configure our own credit policy across different loan categories?

Yes. LTV thresholds, DSCR floors, DTI limits, and exception categories configured to your credit policy per loan type. Your underwriters review and approve every output before any decision is made.

How does this handle loan types with very different document packages?

Each playbook is built for the documents that loan type requires, appraisals and rent rolls for CRE, FSA program documents for agricultural, project budgets for construction. No generic process adapted to every loan type.

Can we keep borrower data under our institution's control?

Yes. Encryption in transit and at rest, role-based access, and zero data retention by default, borrower data stays governed by your policies throughout every review cycle.

What happens when an underwriter disagrees with an output?

Human review is built into every workflow. Underwriters override any output, overrides logged with reason codes and preserved in complete audit trails your examiner can pull at any time.

Can this connect to our existing LOS and core systems?

Yes. Credit memos and underwriting packages flow into your lending stack, nCino, Encompass, MeridianLink, Jack Henry, Fiserv, and FIS, via secure integrations.

Do you have SOC 2 Type II?

Yes. Available under NDA as part of your vendor management review.

How does your platform handle high volume across multiple categories simultaneously?

Lending operations run in parallel across all nine categories, your CRE desk, consumer team, and agricultural lenders producing the same documentation standard simultaneously, without review bottlenecks slowing any category down.

Can your platform scale as we add new lending categories?

Yes. Pre-built Playbooks cover the full loan lifecycle, origination through annual review, across all nine categories. New loan types are activated by configuring the relevant Playbook to your credit policy, no new process to build from scratch.